joia9 Terms and Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") apply to the use of the joia9 platform and all related services ("Services"). By registering on joia9 or using the Services in any way, you are agreeing to be fully bound by these Terms.

If you disagree with any part of these Terms, please refrain from using the joia9 Services. Accessing the Services means you are accepting these Terms as a legally binding agreement.

2. Account Registration and Eligibility

2.1 Registration Requirements

To open an account on joia9, you must meet the following requirements:

• You must be at least 21 years of age.
• All information provided at registration must be true, accurate and complete.
• You may only have one account in your own name.
• joia9 reserves the right to verify your identity and may request valid identification documents when necessary.
• Managing an account on behalf of someone else or handling third-party funds is prohibited.

2.2 Account Security

It is entirely your responsibility to keep your account username and password confidential. You are accountable for any activity carried out through your account. If you suspect unauthorised access to your account, contact our support team immediately.

3. Deposit and Withdrawal Policy

3.1 Payment Methods

joia9 currently supports the following payment methods: bKash, Nagad, Rocket and Upay. All transactions are processed in Bangladeshi Taka (BDT / ৳).

3.2 Withdrawal Conditions

• Withdrawals can only be made via the same payment method used for the deposit.
• Withdrawal request processing time is generally 30 minutes to 3 hours.
• If unusual activity is suspected, joia9 reserves the right to temporarily hold a withdrawal and verify identity.
• If money laundering or fraud is suspected, the relevant authorities may be notified.

3.3 Transaction Responsibility

joia9 is not liable for any loss resulting from incorrect account numbers or information provided. Please double-check all details before completing a transaction.

4. Bonuses and Promotional Offers

4.1 Welcome Bonus

New members will receive a 120% bonus on their first deposit up to ৳10,000. A minimum deposit of ৳100 is required to receive this bonus.

4.2 Wagering Requirements

• Bonus funds cannot be withdrawn directly.
• Multiple bonus offers cannot be claimed at the same time unless specifically stated.
• The bonus applies when depositing via bKash, Nagad, Rocket or Upay.
• joia9 reserves the right to modify or cancel any bonus offer.
• If bonus abuse is suspected, the account may be verified or suspended.

4.3 VIP Program

The joia9 VIP Program has three tiers. You can advance step by step based on regular play and activity:

• Bronze: Weekly cashback up to 0.3%
• Silver: Weekly cashback up to 0.5%
• Gold: Weekly cashback up to 0.8%

joia9 reserves the right to change VIP benefits.

5. Game Rules and Prohibited Activities

5.1 Permitted Use

The joia9 platform may only be used for lawful personal entertainment. All games are conducted fairly and transparently.

5.2 Prohibited Activities

The following activities are strictly prohibited and may result in permanent account closure:

• Creating multiple accounts or using another person's account.
• Placing artificial or coordinated bets for the purpose of obtaining bonuses ("bonus abuse").
• Using software, bots or automated methods.
• Exploiting technical errors or vulnerabilities in the platform.
• Using the platform for money laundering or concealing the source of illegal funds.
• Registering using a false identity or another person's information.

6. Responsible Gaming

joia9 places the highest priority on responsible gaming. We believe that recreational gaming should be enjoyable and should never be a cause of financial difficulty or stress.

6.1 Self-Control Tools

• You can set deposit limits at any time.
• You may apply for a temporary break or self-exclusion if needed.
• For support, contact us via 24/7 live chat in Bengali.

For more details, visit our Responsible Gaming page.

7. Privacy and Data Protection

joia9 is committed to protecting the privacy of your personal information. We use SSL encryption technology and all transactions are processed on secure servers.

To learn in detail how your personal information is collected, stored and used, please read our Privacy Policy.

• Your information is not sold to any third party.
• Information required for identity verification is stored securely.
• Information may be shared with relevant authorities due to legal obligations.

8. Intellectual Property and Content

All content on the joia9 platform — including logos, designs, text, graphics, software and other elements — is protected under joia9's intellectual property rights.

• No content from the platform may be reproduced or distributed without prior written permission.
• Game software is covered by the intellectual property rights of the respective game providers.
• Copying or modifying content for any personal or commercial purpose is prohibited.

9. Service Interruptions and Limitation of Liability

9.1 Service Interruptions

joia9 strives to provide uninterrupted service, however the service may be temporarily disrupted due to technical issues, maintenance or other reasons. In such situations, joia9 will work to resolve the issue as quickly as possible.

9.2 Limitation of Liability

• joia9 is not liable for losses in games or bets due to internet connection disruptions.
• joia9 is not liable for financial losses caused by the user's own errors.
• joia9 is not directly liable for issues with third-party payment methods.

10. Account Suspension and Closure Policy

joia9 reserves the right to temporarily suspend or permanently close an account without prior notice in the following circumstances:

• If any provision of these Terms is violated.
• If there is suspicion that registration was completed with false information.
• If there is a risk of fraud, bonus abuse or money laundering.
• When necessary to fulfil legal obligations.

10.1 Voluntary Account Closure

You may request account closure at any time by contacting our support team. Any remaining balance will be returned in accordance with the withdrawal policy before closure.

11. Dispute Resolution

In case of any dispute or complaint, please contact our support team first. We will work to resolve the matter as quickly as possible.

• After a complaint is submitted, our team will review it on business days.
• In disputes relating to game outcomes, the game provider's logs will be considered final evidence.
• If a resolution cannot be reached through support, a settlement will be sought through negotiation.

12. Right to Modify Terms

joia9 reserves the right to change, amend or update these Terms and Conditions at any time. The date on which changes take effect will be noted on this page.

Continued use of the platform after any changes will be considered acceptance of the new Terms. We therefore recommend visiting this page regularly.