joya nai Terms and Conditions

1 General Provisions and Definitions

These terms and conditions ("Terms") apply to the use of the joya nai platform and all its services. "Platform" refers to joya nai's website, mobile application and all services included within them.

The following definitions are used with specific meanings throughout these Terms:

• "User" or "Member" — any person who owns a registered account on joya nai.
• "Services" — all online casino, slots, live casino, sports betting and related gaming features provided by joya nai.
• "Account" — the user's registered profile through which the services are accessed.
• "Balance" — the combined total of real money and bonus amounts held in an account.
• "Bonus" — any promotional credit or reward granted by joya nai.

Where any part of these Terms is published in both Bengali and English, the Bengali version shall take precedence.

2 Account Registration and Eligibility

2.1 Registration Requirements

To open an account on joya nai, the applicant must meet the following requirements:

• Must be at least 21 years of age.
• Must hold a valid national identity card or passport.
• Must have an active mobile number and email address.
• All information provided at the time of registration must be accurate and complete.
• Only one account per person is permitted.

2.2 Identity Verification (KYC)

To maintain a safe and secure environment, joya nai may verify a user's identity at any time. Documents that may be required include: National Identity Card (NID), passport, driving licence or a utility bill. joya nai reserves the right to hold withdrawals until verification is complete.

2.3 Multiple Accounts Prohibited

Opening more than one account by the same person, household or address is strictly prohibited. If this condition is breached, all accounts will be closed and deposited funds may be forfeited.

3 Account Security and Responsibility

Each user is solely responsible for the security of their own account. joya nai will never ask for a password or OTP by email or phone.

• Do not share your password with anyone.
• Always log out after accessing your account.
• If you notice any suspicious activity, notify the support team immediately.
• Managing an account through a third party is prohibited.

joya nai is not responsible for any loss resulting from unauthorised use of an account, unless it is proven that the incident was caused by a fault in our system.

4 Deposits and Withdrawals

4.1 Deposits

The following payment methods are accepted for deposits on joya nai: bKash, Nagad, Rocket and bank transfer (for example: Dutch-Bangla Bank, BRAC Bank, Islami Bank). The minimum deposit amount is ৳200 (for each method).

4.2 Withdrawals

The same methods apply for withdrawals: bKash, Nagad, Rocket and bank transfer. The minimum withdrawal amount is ৳1,000. Withdrawals are generally processed within 15 minutes to 2 hours. However, additional time may be required if identity verification is needed.

4.3 General Conditions

• At the time of withdrawal, the payment method used must be registered in the user's name.
• Withdrawals to third-party accounts are not permitted.
• If an active bonus is present, withdrawal is not possible until the wagering requirement has been met.
• If an unusual transaction is detected, joya nai may hold the payment until verification is complete.

5 Bonuses and Promotions

5.1 Welcome Bonus

New members will receive a 100% bonus on their first deposit, up to a maximum of ৳20,000. For example: a deposit of ৳1,000 adds ৳1,000 in bonus, bringing the total balance to ৳2,000; and to meet the wagering requirement, the bonus amount of ৳1,000 × 15 = ৳15,000 must be wagered.

5.2 General Bonus Terms

• A bonus may only be used in the account to which it was credited.
• Bonuses cannot be transferred to another account or converted to cash.
• Attempting to claim the same promotion more than once may result in account cancellation.
• joya nai reserves the right to change, suspend or cancel any bonus offer at any time.
• Using automated software or bots to take advantage of promotions is strictly prohibited.

5.3 VIP Cashback

The joya nai VIP programme has five tiers: Bronze, Silver, Gold, Platinum and Diamond. The weekly cashback rate differs at each tier — up to 0.2% at Bronze, 0.3% at Silver, 0.5% at Gold, 0.6% at Platinum and 0.8% at Diamond. Cashback is calculated on weekly net losses. For example: if a Gold member's net loss in a week is ৳20,000, they will receive ৳20,000 × 0.5% = ৳100 in cashback.

6 Betting and Gaming Rules

6.1 Bet Acceptance and Cancellation

All bets placed on joya nai are settled according to the specific rules of the relevant game. If an incorrect result is displayed due to a technical error, the bet will be cancelled and the original amount will be refunded.

6.2 Sports Betting

Odds in the sports betting section may change at any time. If odds change after a bet has been confirmed, the odds at the moment of confirmation remain in effect. Live betting is also available before an event starts and subject to specific conditions.

6.3 Multi Bet

Multiple events can be combined in a single multi bet. The full reward is paid only if all selections are correct; if any one result is wrong, the entire bet is lost.

6.4 Game Results and Disputes

In the event of a dispute over a game result, the server logs of the relevant game provider will be treated as the final evidence. Any complaint must be reported to the support team within 72 hours of the incident.

7 Prohibited Activities

The following activities are strictly prohibited on the joya nai platform:

• Opening or operating an account using fraud, deception or false information.
• Deliberately operating multiple accounts with the intent to abuse bonuses.
• Using automated bots, scripts or software to play games or place bets.
• Intentionally exploiting any technical error or vulnerability on the platform.
• Using the platform for money laundering or any illegal activity.
• Harassing, threatening or deceiving other users.
• Renting out an account or playing on behalf of a third party.

8 Account Suspension and Closure

8.1 Suspension by joya nai

joya nai may suspend or close any account without prior notice in the following circumstances:

• A breach of these Terms is established.
• Fraud is suspected on the account.
• Identity verification has not been completed or false information has been provided.
• Evidence of operating multiple accounts is found.

8.2 Closure by the User

A user who wishes to close their own account must contact the support team. An opportunity to withdraw the balance will be provided before closure; however, if active bonus wagering requirements remain unmet, the bonus portion will be forfeited.

9 Responsible Gaming

joya nai believes that gaming is a form of entertainment. However, for some individuals it can become an addiction. For this reason, we place great importance on responsible gaming policy.

• Each member can set their own limits on deposits, bets and losses.
• Options for a temporary break or full self-exclusion are available.
• If professional help is needed, the support team will assist in connecting with the relevant organisations.
• Minors are strictly prohibited from opening an account or playing games (21+ is mandatory).

Full guidance on responsible gaming, how to set limits and support information can be found on our Responsible Gaming Policy page.

10 Privacy and Data Protection

joya nai gives the highest priority to protecting users' personal information. All information provided at the time of registration is stored under strict security measures.

• All transactions are secured using SSL encryption technology.
• Personal information is never sold to third parties.
• Marketing communications are not sent without the user's consent.
• Users may request to view, correct or delete their own information.

Full details on data collection, storage and use can be found in our Privacy Policy.

11 Limitation of Liability

joya nai will not accept any liability or pay compensation in the following circumstances:

• A game is interrupted mid-session due to an internet disconnection or a problem with the user's device.
• A bet or game is affected by a server issue on the part of a third-party game provider.
• Service is disrupted due to an unexpected technical fault, cyber attack or natural disaster.
• A user suffers a loss as a result of providing incorrect information.

However, if a user suffers actual loss due to a fault or negligence on the part of joya nai itself, the matter of refunding the relevant amount will be reviewed.

12 Changes to Terms & Contact

12.1 Right to Modify Terms

joya nai may modify, add to, or remove any part of these terms at any time. For significant changes, members will be notified via their registered email or through platform notifications. Continued use of the platform after any changes will be taken as acceptance of the updated terms.

12.2 Contact

If you have any questions or complaints about these terms, please reach us via our 24/7 live chat support or by email. Our support team is available in both Bengali and English.

Support Email: [email protected]

12.3 Applicable Law

International online gaming regulations will apply to the interpretation and enforcement of these terms. Any disputes will first be addressed through negotiation.

You can also visit our Frequently Asked Questions (FAQ) section for answers to common queries.