zoy9 Terms & Conditions

1 Introduction

Welcome to zoy9. These Terms & Conditions ("Terms", "Agreement") govern your access to and use of the zoy9 website at https://zoy9.io and all associated products, services, features, games, and promotions offered by zoy9 (collectively, the "Platform"). The Platform is operated by zoy9 and is directed at players based in Bangladesh and other permitted jurisdictions.

By creating an account, making a deposit, placing a bet, or otherwise accessing the Platform, you agree to be legally bound by these Terms in full. If you do not agree with any part of these Terms, you must discontinue use of the Platform immediately and close your account by contacting our support team at [email protected].

These Terms should be read alongside our Privacy Policy and Responsible Gaming Policy, both of which are incorporated by reference into this Agreement and form part of the overall legal framework governing your use of zoy9.

2 Definitions

In these Terms, the following words and phrases carry the meanings set out below unless the context expressly requires otherwise:

• "Platform" means the zoy9 website, mobile interface, applications, and all associated services.
• "Account" means the personal member account registered by you on the Platform.
• "Player" / "You" / "User" means any individual who registers and uses the Platform.
• "zoy9" / "We" / "Us" / "Our" means the entity operating the Platform.
• "Balance" means the total real-money funds held in your Account at any given time.
• "Bonus Funds" means promotional credits granted to your Account that are subject to wagering requirements before withdrawal.
• "KYC" means Know Your Customer — the identity and age verification process required before withdrawals are processed.
• "BDT" / "৳" means Bangladeshi Taka, the currency used for all real-money transactions on the Platform.
• "Wagering Requirement" means the number of times a bonus amount must be staked before it becomes eligible for withdrawal.
• "Self-Exclusion" means a voluntary tool that prevents a Player from accessing their Account for a defined or indefinite period.

3 Eligibility & Registration

3.1 Age Requirement

You must be at least 21 years of age to register an Account and use the Platform. By registering, you confirm that you meet this age requirement. zoy9 reserves the right to request proof of age at any time. Accounts found to belong to individuals under the age of 21 will be suspended immediately and any funds held in such accounts may be forfeited pending investigation.

3.2 One Account Per Person

Each individual is permitted to hold only one registered Account on zoy9. Operating multiple accounts — whether under the same or different identity details — constitutes a material breach of these Terms and will result in all associated accounts being closed, all balances being forfeited, and a permanent ban from the Platform.

3.3 Accurate Information

You are required to provide accurate, current, and complete information during registration and to keep that information updated throughout the life of your Account. Providing false, misleading, or incomplete information — including a false date of birth — is a serious breach of these Terms and may constitute fraud.

3.4 KYC Verification

Before processing any withdrawal, zoy9 requires all Players to complete identity verification (KYC). You may be asked to provide a government-issued photo ID (such as a National Identity Card or passport), proof of address, and proof of the payment method used for deposits. Failure to provide satisfactory documentation within a reasonable period may result in withdrawal requests being declined and the Account being suspended.

4 Account Management

4.1 Account Security

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your username, password, and any two-factor authentication codes. zoy9 will never request your password through any channel, including email, live chat, or telephone. If you suspect that your Account has been accessed without your authorisation, you must notify us immediately at [email protected].

4.2 Account Suspension and Closure

zoy9 reserves the right to suspend or close any Account at its sole discretion, including — but not limited to — where: (a) we have reasonable grounds to suspect fraudulent activity; (b) the Account holder is found to be under 21; (c) KYC documentation is not provided upon request; (d) the Account is involved in bonus abuse or collusion; (e) a chargeback is initiated by the Account holder; or (f) the Account holder is found to be in breach of any provision of these Terms.

4.3 Dormant Accounts

An Account that has not recorded any login activity for a continuous period of 12 months will be classified as dormant. zoy9 may apply a monthly dormancy administration fee of ৳200 to dormant accounts, deducted directly from the Account balance, until the balance reaches zero or the Account is reactivated by the Player logging in and contacting support.

5 Deposits & Withdrawals

5.1 Accepted Payment Methods

zoy9 accepts the following payment methods for both deposits and withdrawals: bKash, Nagad, Rocket, Upay, Visa, and Mastercard. All transactions are denominated in Bangladeshi Taka (৳). The minimum deposit amount is ৳100. Minimum withdrawal amounts may vary by payment method and will be displayed at the time of the transaction.

5.2 Deposit Processing

Deposits via mobile financial services (bKash, Nagad, Rocket, Upay) are credited to the Account balance instantly in the majority of cases. In rare instances where a technical delay occurs, deposits will be credited within 30 minutes. If a deposit is not reflected after 30 minutes, Players should contact support with proof of the transaction.

5.3 Withdrawal Processing

Withdrawal requests are processed subject to satisfactory completion of KYC verification. Once KYC is approved, withdrawal requests submitted before 6:00pm Bangladesh Standard Time (UTC+6) on a business day are typically processed within 15 minutes to 2 hours. Requests submitted after 6:00pm BST or on public holidays may take up to 24 hours. zoy9 does not accept liability for delays caused by third-party payment providers.

5.4 Withdrawal Restrictions

Withdrawals may only be made to the same payment method used for the original deposit. Where multiple payment methods have been used, withdrawals will be processed proportionally back to each method. zoy9 reserves the right to request additional verification before processing any withdrawal at its discretion.

6 Bonuses & Promotions

6.1 General Bonus Terms

All bonuses, free spins, cashback offers, and promotional credits offered by zoy9 are subject to the specific terms attached to each promotion, in addition to these general bonus conditions. In the event of any conflict between a specific promotion's terms and these Terms, the specific promotion terms shall prevail in relation to that promotion only.

6.2 Wagering Requirements

Bonus funds must be wagered a minimum number of times (the "Wagering Requirement") before they can be converted to withdrawable real-money funds. The applicable Wagering Requirement for each bonus will be stated clearly on the promotion page. Wagering Requirements must be completed within the validity period of the bonus; any uncompleted bonus will expire and be removed from the Account at the end of the validity period.

6.3 Bonus Abuse

zoy9 employs fraud detection systems to identify patterns of bonus abuse, including but not limited to: opening multiple accounts to claim the same promotion; placing low-risk or hedging bets designed to satisfy wagering requirements without genuine risk; and coordinating with other players to exploit promotional offers. Any Account found to be engaging in bonus abuse will be immediately suspended, all bonus funds and associated winnings will be forfeited, and the matter may be referred to our security team for further action.

6.4 Seasonal Promotions

zoy9 periodically offers promotions aligned with Bangladeshi cultural and sporting events, including BPL cricket season, IPL, T20 World Cup, Eid, Pohela Boishakh, Victory Day (16 December), and Independence Day (26 March). These promotions are subject to their own specific terms and are available for the stated promotion period only.

7 Betting & Gaming Rules

All sports betting markets, casino games, live casino tables, and other wagering products on the zoy9 Platform are governed by product-specific rules in addition to these Terms. Key principles that apply across all products include:

• Bets are final once confirmed. zoy9 does not accept requests to cancel or reverse confirmed bets except where a manifest error has occurred on our part.
• In the event of a manifest error — including incorrect odds displayed due to a technical fault — zoy9 reserves the right to void affected bets and return stakes to the relevant Accounts.
• For live in-play betting, odds are subject to change up until the moment the bet is confirmed. The odds displayed at confirmation are the final odds applicable to the bet.
• Maximum bet limits and maximum payout limits apply to all betting markets and will be displayed at the time of bet placement. zoy9 reserves the right to restrict maximum stakes on individual Accounts where irregular betting patterns are detected.
• All casino games use certified Random Number Generators (RNGs) sourced from established, audited software providers including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi. Game outcomes are determined by the RNG and cannot be influenced by the Platform or the Player.
• Technical malfunctions during a game session void all play for that session. Stakes will be returned to the Account balance.

8 Prohibited Conduct

The following conduct is strictly prohibited on the zoy9 Platform. Engaging in any of the following will result in immediate Account suspension and may lead to criminal referral:

• Using the Platform for any money laundering activity or to fund, conceal, or convert proceeds of crime.
• Using automated software, bots, scripts, or artificial intelligence tools to place bets or interact with the Platform.
• Colluding with other Players to fix match outcomes, share hands in card games, or otherwise manipulate the outcome of any game or sporting event.
• Registering more than one Account or using another person's Account.
• Providing false identification documents or misrepresenting your age, identity, or location.
• Initiating chargebacks or payment disputes with your bank or payment provider without first attempting to resolve the matter through zoy9 support.
• Exploiting software bugs, glitches, or errors in the Platform for financial gain. Any winnings generated through a technical error must be reported and are subject to forfeiture.
• Accessing the Platform from a jurisdiction where online gambling is explicitly prohibited under local law.

9 Intellectual Property

All content on the zoy9 Platform — including but not limited to text, graphics, logos, icons, images, audio clips, software, game interfaces, and the overall design and layout of the website — is the exclusive property of zoy9 or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial entertainment purposes only. You may not copy, reproduce, republish, upload, post, transmit, distribute, or create derivative works from any content on the Platform without the express prior written consent of zoy9.

10 Privacy & Data

zoy9 collects, stores, and processes personal data in accordance with our Privacy Policy, which is available at https://zoy9.io/privacy-policy and is incorporated into these Terms by reference. By using the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

All personal and financial data transmitted between your device and the zoy9 Platform is protected by 256-bit SSL encryption. We do not sell, rent, or share your personal data with third parties except as required for the operation of the Platform (e.g., payment processing, KYC verification, fraud prevention) or as required by applicable law.

11 Responsible Gaming

zoy9 is committed to promoting responsible gambling among all of its members. We provide a suite of responsible gaming tools that Players may activate at any time by contacting support at [email protected]:

• Deposit Limits: Set daily, weekly, or monthly limits on how much you can deposit.
• Session Time Limits: Receive notifications after playing for a specified period.
• Cooling-Off Period: Temporarily suspend your Account for a period of 24 hours, 7 days, or 30 days.
• Self-Exclusion: Permanently or indefinitely exclude yourself from the Platform. Self-exclusion requests are processed within 24 hours of receipt and cannot be reversed for a minimum period of 6 months.

If you feel that gambling is negatively affecting your life, relationships, or finances, we strongly encourage you to make use of these tools and to seek independent support. The zoy9 Platform is strictly for adults aged 21 and above. For more detail, please visit our Responsible Gaming page.

12 Limitation of Liability

To the fullest extent permitted by applicable law, zoy9 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the Platform. This includes but is not limited to loss of winnings, loss of data, loss of goodwill, service interruption, or computer damage arising out of your access to or use of the Platform.

The Platform is provided on an "as is" and "as available" basis. While we make every reasonable effort to maintain Platform availability, we do not guarantee uninterrupted access and accept no liability for downtime caused by scheduled maintenance, technical faults, force majeure events, or the acts of third parties including payment providers, internet service providers, and game software vendors.

In any event, the maximum aggregate liability of zoy9 to you arising out of or in connection with these Terms or the Platform shall not exceed the total amount deposited by you in the 30-day period immediately preceding the event giving rise to the claim.

13 Amendments to These Terms

zoy9 reserves the right to amend, update, or replace these Terms at any time. When material changes are made, we will notify registered Players by email (to the address registered on the Account) and/or by posting a prominent notice on the Platform no fewer than 7 days before the changes take effect.

Your continued use of the Platform after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree with the revised Terms, you must stop using the Platform and request closure of your Account before the effective date of the changes.

14 Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with applicable law. Any disputes that cannot be resolved through our internal complaints process shall be subject to the exclusive jurisdiction of the competent courts, as determined by the applicable regulatory framework.

zoy9 operates on a best-efforts basis to comply with all applicable laws and regulations relevant to its players in Bangladesh. We do not make representations regarding the legality of online gambling in any specific jurisdiction and it is your sole responsibility to ensure that your use of the Platform is lawful under the laws of your jurisdiction.

15 Contact Us

If you have any questions about these Terms & Conditions or need assistance with your Account, please contact our support team:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 through the Platform
• Support Hours: 24 hours a day, 7 days a week, Bangladesh Standard Time (UTC+6)