joya Terms & Conditions

1 General Terms

These Terms and Conditions ("Terms") form a legally binding agreement that applies to the use of the joya platform and all its services. By accessing the joya platform, opening an account, or using the services, you agree to all the provisions of these Terms.

These Terms apply to all individuals residing in Bangladesh who are legally able to access online gaming services. If you disagree with any part of these Terms, please refrain from using our platform.

1.1 Changes to Terms

joya reserves the right to change, amend, or update these Terms at any time. For significant changes, we will provide notice via your registered email or on the platform. Continued use of the platform after any change means you have accepted the updated terms.

1.2 Interpretation of Terms

In this document, "we", "our", or "joya" refers to the organisation operating the platform. "You", "member", or "user" refers to any individual registered on the platform or using the services.

2 Account Registration & Management

A personal account is required to use the full services of the joya platform. You must provide accurate and complete information at the time of registration.

2.1 Registration Conditions

• Each individual may open only one account. Creating multiple accounts is strictly prohibited.
• The name, address, date of birth, and contact information provided at registration must be completely truthful and accurate.
• Keeping the account password confidential is the member's responsibility. The member is solely responsible for any activity carried out through the account.
• The account may not be transferred, sold, or shared with anyone else.
• Operating an account on behalf of another person or any corporate entity is not permitted.

2.2 Updating Information

If any of your personal details change — especially your mobile number or banking information — please notify the joya support team immediately. joya will not be responsible for payment delays or difficulties in account verification resulting from outdated information.

3 Age Verification & Identity Confirmation

At the time of registration, you must confirm that you are 21 years of age or older. joya may at any time request a government-issued identity document (national ID card, passport, or other valid document) to verify age and identity.

3.1 KYC Process

In the interest of security and fraud prevention, joya may ask members to complete a Know Your Customer (KYC) verification if it deems it necessary. Until this process is completed, deposits, withdrawals, or both may be temporarily suspended. It is every member's responsibility to cooperate with the verification process.

4 Deposit & Withdrawal Policy

joya provides transaction facilities for members in Bangladesh through convenient and familiar payment methods. All transactions are conducted in Bangladeshi Taka (BDT / ৳).

4.1 Accepted Payment Methods

joya currently supports the following methods:

• bKash — Mobile Financial Service
• Nagad — Mobile Financial Service
• Rocket — Mobile Financial Service
• Bank Transfer — Major Bangladeshi banks including Dutch-Bangla Bank, Islami Bank, and BRAC Bank

4.2 Minimum Limits

• Minimum deposit: ৳200 (per method)
• Minimum withdrawal: ৳800

4.3 Withdrawal Processing Time

Approved withdrawal requests are generally processed within 15 minutes to 2 hours. However, additional verification may be required if KYC verification is incomplete or the amount is unusually large.

4.4 Transaction Policy

• Deposited funds must come only from your own registered payment account.
• Withdrawals will be made to the same method used for the deposit (subject to method availability).
• Withdrawals to third-party accounts are not permitted.
• joya reserves the right to investigate any transaction where suspicious activity is observed.

5 Bonuses & Promotional Offers

joya offers various bonuses and promotional offers to members from time to time. Each offer is subject to its own terms and conditions.

5.1 Welcome Bonus

New members can receive a 120% bonus on their first deposit, up to a maximum of ৳15,000.

5.2 Wagering Requirements

Bonus winnings must meet the wagering requirements before withdrawal. The wagering requirement is 20 times the bonus amount only — not the deposit and bonus combined.

5.3 General Bonus Rules

• Each member may receive the welcome bonus only once.
• If multiple accounts attempt to claim a bonus, all accounts will be closed.
• The specified wagering must be completed before a bonus can be cashed out.
• joya reserves the right to reject unreasonable or abusive bonus claims.
• Each promotion has its own expiry date and additional terms and conditions.

6 Gaming Rules

The joya platform offers various types of games including slots, fishing games, casino games, and sports betting. Each game is governed by the rules of the respective game provider.

6.1 Fair Play Policy

joya is committed to ensuring fair play. A Random Number Generator (RNG) is used in all games, which ensures the impartiality of results. joya reserves the right to review outcomes if game results are affected by a technical fault or disconnection.

6.2 Technical Issues

If a game is interrupted midway or produces an erroneous result due to server outages, network problems, or other technical reasons, joya reserves the right to make a decision after investigation. In such cases, log data will be considered the final evidence.

6.3 Game Restrictions

Some games may be restricted in certain regions or for certain accounts. Any game may be temporarily or permanently removed at the direction of the game provider.

7 Prohibited Activities

The following activities are strictly prohibited on the joya platform:

• Creating multiple accounts or using another person's account
• Abusing the bonus system or attempting to obtain bonuses through dishonest means
• Using a VPN or proxy to circumvent the platform's geo-based restrictions
• Using automation software, bots, or other unauthorised tools in games
• Attempting to influence game outcomes through collusion with other members
• Using the platform for money laundering or other illegal financial activities
• Attempting to gain unauthorised access to the platform's security systems
• Operating an account on behalf of a minor
• Providing false or misleading information

If any such activity is proven, the account will be closed immediately and the associated balance may be forfeited.

8 Account Suspension & Closure

8.1 Closure by joya

joya may temporarily or permanently close any account in the following circumstances:

• If evidence of prohibited activities described in Section 7 is found
• If KYC verification is not completed or false information is provided
• At the direction of a legal or regulatory authority
• If suspicious financial activity is observed

8.2 Closure by Member

If you wish to close your account yourself, email the joya support team at [email protected]. It is your responsibility to withdraw any withdrawable balance before closure.

9 Privacy & Data Protection

joya places the highest importance on protecting members' personal information. All data is kept secure through SSL encryption technology.

For details on how your personal information is collected, stored, and used, please read our Privacy Policy.

9.1 Data Sharing

joya does not sell or share personal information with third parties except where required by law or with the member's explicit consent. However, necessary partners for service delivery (payment processors, game providers) may have limited access to information.

10 Responsible Gaming

joya is committed to responsible gaming. We believe gaming is an entertainment activity — not a source of income.

10.1 Self-Exclusion Feature

If a member feels that gaming is becoming harmful to them, they can contact the joya support team for temporary or long-term self-exclusion. Account access will be disabled while self-exclusion is active.

10.2 Age Restriction

joya strictly prevents minors from gaming. If you become aware that a family member who is not an adult is using the platform, please notify us immediately.

For more details, visit our Responsible Gaming page.

11 Limitation of Liability

To the maximum extent permitted by applicable law, joya will not be liable for the following:

• Game losses caused by internet disconnection or issues with a personal device
• Issues related to third-party services (payment providers, game developers)
• Unavoidable circumstances (force majeure) — natural disasters, government restrictions, cyber attacks
• Losses resulting from a member's own negligence or violation of these terms

In no circumstance shall joya's maximum liability ever exceed the total deposit amount made by the relevant member in the last 30 days.

12 Dispute Resolution

If you have any objection or dispute regarding any matter, please contact the joya support team first. We are committed to reaching a resolution through discussion.

12.1 Complaint Process

1. First, report the issue via live chat.
2. If it is not resolved, send a detailed email to [email protected]. Include your account number, a description of the issue, and any relevant screenshots.
3. joya will provide a written response within the designated timeframe.

12.2 Final Decision

In disputes regarding game outcomes, joya's log data will be considered as conclusive evidence. In disputes regarding financial transactions, the payment provider's records will apply.

13 Contact & Support

If you have any questions or feedback regarding these terms, please contact our support team:

• Email: [email protected]
• Live Chat: Available 24/7, in Bengali and English

Our support team is available for you seven days a week, twenty-four hours a day. Feel free to reach out for any issue.