joya's Terms and Conditions

1 Definitions and Interpretation

The meanings of key terms used in these terms and conditions are given below:

• "Platform" refers to joya's website, mobile application and all its services.
• "Member" refers to any person registered on this platform.
• "Account" refers to the specific user profile created in a member's name.
• "Balance" refers to the total amount of cash and bonus funds held in a member's account.
• "Bonus" refers to a financial benefit given to a member by the platform under specific conditions.
• "Wagering Requirement" refers to the obligation to complete a specified amount of bets before bonus funds can be withdrawn.
• "KYC" refers to the process of verifying a member's identity (Know Your Customer).

2 Account Registration

2.1 Registration Process

To open an account with joya, a member must complete the registration form with accurate and complete information. Each person may only create one account. The platform reserves the right to cancel multiple accounts found under the same person's name.

2.2 Accuracy of Information

The name, date of birth, mobile number and payment details provided at registration must be true and your own. If an account is opened with false or incorrect information, joya reserves the right to close that account without notice and withhold any pending withdrawals.

2.3 Password Security

It is your responsibility to keep your account username and password completely confidential. Sharing this information with any third party is strictly prohibited. If you suspect unauthorised access to your account, contact the joya support team immediately via live chat.

3 Eligibility Requirements

21+ This platform is only for individuals aged 21 or above. An account will not be fully activated until age is verified.

• Members must manage their account personally and for themselves — acting on behalf of or under the direction of another person is not permitted.
• Fraudulent activity, use of bots or any kind of automated software is strictly prohibited.
• Those who have self-excluded from gambling, or have done so at any time in the past, are not eligible to use this platform.
• Multiple members of the same household may hold separate accounts, but operating multiple accounts from the same device or network is prohibited.

4 Deposits and Withdrawals

4.1 Deposit Methods and Limits

Deposits at joya can be made via bKash, Nagad, Rocket and Upay. The minimum deposit amount for each method is ৳200. Deposited funds are added to the account balance after successful verification.

4.2 Withdrawal Methods and Limits

The minimum amount for a withdrawal is ৳1,000. Withdrawal requests are generally processed within 30 minutes to 3 hours. Withdrawals can be made via four methods: bKash, Nagad, Rocket and Upay.

4.3 Identity Verification (KYC)

Before processing a withdrawal request, joya reserves the right to verify a member's identity. This process may require a national identity card, proof of date of birth or any other valid document. Withdrawals may be put on hold until verification is complete.

4.4 Suspicious Transactions

If joya considers any transaction to be suspicious, it reserves the right to put that transaction on hold until the investigation is complete. In such situations, the member may be asked to provide additional information.

5 Bonuses and Promotions

5.1 Welcome Bonus

joya's welcome bonus is a 100% bonus on the first deposit, up to ৳8,000. The bonus amount must be wagered 10 times before it can be withdrawn. For example: a ৳1,000 deposit receives a ৳1,000 bonus, making the total balance ৳2,000, and the wagering requirement is ৳1,000 × 10 = ৳10,000.

5.2 Other Promotions

joya offers various promotional offers from time to time. Each promotion has its own wagering conditions and validity period. All promotions are for personal use only and cannot be shared with others.

5.3 Bonus Abuse

If a member abuses the bonus policy — by claiming bonuses from multiple accounts, coordinated betting or any other method — the relevant bonus and winnings will be cancelled and the account may be closed.

6 Gaming Rules

6.1 Betting Limits

Each game or betting market has specific minimum and maximum bet amounts, which are clearly shown in the game interface. Separate limits may apply when betting from a bonus balance.

6.2 Technical Errors

If a game is left incomplete due to a server outage, network issue or game engine error, joya reserves the right to cancel that round and refund the bet amount. Claims for winnings in such situations may be rejected.

6.3 Finality of Decisions

joya's decisions regarding game results will be considered final, unless different information is received from the studio operating the game. In sports betting, if a match or event is abandoned, the bet will be settled according to the relevant rules.

7 Account Suspension and Closure

joya may temporarily suspend or permanently close an account for any of the following reasons:

• Violation of any clause of these terms and conditions.
• Registration using a false identity or incorrect information.
• Evidence of operating multiple accounts.
• Fraudulent use of the bonus policy.
• Self-exclusion activated at the member's own request.
• No activity on the account for an extended period.

If there is any valid cash balance (not bonus) at the time of account closure, that amount will be returned to the member's payment method after KYC verification is complete.

8 Privacy and Data Protection

joya is committed to protecting members' personal information. The platform keeps members' data secure through SSL encryption and other technical measures. Full details of how information is collected, stored and used can be found in our Privacy Policy. Members' personal information is not shared with third parties, except where legally required.

9 Responsible Gaming

joya believes that gambling is entertainment only — not a means of earning income. We encourage members to play in a healthy and controlled way. The Responsible Gaming guide contains detailed steps for setting deposit limits, taking temporary breaks and self-exclusion.

• Members can set their own daily, weekly or monthly deposit limits.
• A temporary or long-term self-exclusion option is available if needed.
• The joya support team provides assistance 24/7 — if in doubt, get in touch right away.

10 Dispute Resolution

If a dispute arises between joya and a member, a resolution will first be attempted through discussion. The member must raise the complaint via live chat or email, and the joya team will respond as quickly as possible.

If a dispute arises over the technical outcome of a game, the server logs of the relevant game studio will be treated as the final proof. Screenshots or other third-party evidence provided by the member alone are not accepted as the sole basis.

11 Changes to Terms

joya reserves the right to change these terms and conditions at any time. Members will be notified of significant changes via the platform or by email. Continuing to use the platform after updated terms are published will be taken as the member's agreement to those changes.

To learn more about joya, visit our About Us page, where information about the platform's goals and how it works is provided.

12 Contact

If you have any questions about these terms and conditions, please contact us:

• Live Chat: 24 hours a day, 7 days a week — support available in Bengali and English.
• Email: [email protected]

For general queries, check our FAQ section — you will find answers to most questions there.