Please read these Terms & Conditions carefully before using our platform. They define the rights and responsibilities of both you and us.
Last Updated: January 2026No complex legal jargon — everything is written in plain, simple Bengali.
Your personal information is stored with the highest level of security.
Balanced terms designed to protect the interests of both parties.
Any changes are communicated in advance — no surprises.
Welcome to Joy 99 (joy99.im). These Terms & Conditions ("Terms") constitute a legally binding agreement governing your use of the Joy 99 platform. By accessing our website, mobile app, or any of our services, you are deemed to have accepted these Terms.
Joy 99 operates as Bangladesh's leading online gaming and betting platform. We want every user to fully understand these terms and conditions before using the platform, so there are no misunderstandings down the line.
If you disagree with any part of these terms and conditions, we ask that you refrain from using our services. If you have any questions, please reach out to our support team — we're always here to help.
Joy 99 reserves the right to amend these Terms. Registered users will be notified in advance of any changes via email or in-app notification.
You must be 18 years of age or older to use the Joy 99 platform. Use of this platform by minors is strictly prohibited. Joy 99 maintains an age verification system and reserves the right to request identity verification at any time in cases of suspected underage use.
To open an account on Joy 99, you must provide accurate and complete information. Each individual may only hold one account. Creating multiple accounts is a violation of Joy 99's rules and may result in account forfeiture.
Registering with Joy 99 takes just 2 minutes. KYC verification is typically completed within 24 hours.
You are solely responsible for keeping your Joy 99 account credentials (username and password) confidential. Joy 99 will not be held liable for any activity carried out by someone else using your account. Sharing your password or granting third-party access to your account is strictly prohibited.
KYC (Know Your Customer) verification is mandatory for transactions above a certain amount on the Joy 99 platform. You may be required to submit one of the following government-issued ID documents:
Withdrawals may be temporarily suspended until KYC verification is complete. Once verified, no further verification will be required in the future.
If there is no account activity for 12 consecutive months, Joy 99 may mark the account as inactive. Any balance held in an inactive account remains safe and can be accessed again at any time by simply logging back in.
Joy 99 supports all major mobile banking and payment methods in Bangladesh. All transactions are processed through secure, encrypted channels.
| Payment Methods | Minimum Deposit | Minimum Withdrawal | Processing Time |
|---|---|---|---|
| BKash | ৳ 100 | ৳ 500 | Instant – 1 Hour |
| Nagad | ৳ 100 | ৳ 500 | Instant – 1 Hour |
| Rocket | ৳ 200 | ৳ 500 | 1 – 3 hours |
| Bank Transfer | ৳ 1,000 | ৳ 1,000 | 1 – 3 business days |
Withdrawal requests are typically processed within 24 hours. A completed KYC verification is required before any withdrawal can be made. Withdrawals must be made through the same method used for the original deposit — no alternative methods are permitted.
Wagering requirements must be met before withdrawing from your bonus balance. Full details are covered in the Bonuses section below.
Newly registered users on Joy 99 may receive a welcome bonus on their first deposit. A specified wagering requirement must be met before this bonus can be withdrawn as cash.
Joy 99 periodically offers reload bonuses, cashback deals, and free spins to regular users. Each offer carries its own terms and conditions, which are clearly stated in the offer details.
Enrollment in Joy 99's VIP program is automatic. You earn points on every bet placed, and your VIP tier advances progressively. Higher tiers come with greater rewards and benefits.
If bonus abuse is detected — such as using multiple accounts or coordinated betting — Joy 99 reserves the right to forfeit the bonus and any associated winnings.
Once a bet is confirmed on Joy 99, it cannot be changed or cancelled. It is the user's responsibility to review all details carefully before placing a bet.
Odds in Live Betting change in real time. The odds displayed at the moment your bet is confirmed are final. If a bet is confirmed late due to network issues, the odds at that exact moment will apply.
All casino games on Joy 99 are RNG (Random Number Generator) certified. RTP (Return to Player) information for each game is available in the game lobby. In the event of a technical error during gameplay, the affected round will be voided and the stake returned.
The following activities are strictly prohibited on the Joy 99 platform. If detected, the account will be closed immediately:
Joy 99 reserves the right to report suspicious activity to the relevant authorities. Legal action may be taken in the event of any breach of applicable law.
Joy 99 believes gaming should be a source of entertainment, never a source of problems. That's why responsible gaming sits at the heart of everything we do.
To learn more about these tools, visit our Responsible Gaming View page.
You may close your Joy 99 account at any time by contacting our support team. Any pending bets and withdrawals should be settled before submitting an account closure request.
Joy 99 reserves the right to temporarily suspend or permanently close an account for any of the following reasons:
If an account is closed, any valid balance will be returned through the appropriate process, unless it has been forfeited due to fraudulent activity.
Joy 99 is not liable for the following:
In the event of any complaint or dispute, the decision of Joy 99 shall be considered final. We are committed to making fair decisions at all times and to protecting the interests of our users.
Joy 99 reserves the right to update these Terms & Conditions at any time. For significant changes, users will be notified in advance through the following channels:
Continuing to use the platform after any changes have been made will be considered acceptance of the updated Terms & Conditions. If you object to the changes, you may close your account.
For any questions or complaints regarding these terms and conditions, please contact the Joy 99 support team. We provide 24/7 assistance in Bengali.
Joy 99's support team is available 7 days a week, around the clock. Chat in Bengali and get answers straight away.
We want you to play with full confidence — that's why our policies are straightforward, transparent, and user-friendly.
All Joy 99 policies are written in plain Bengali — no complicated legal language, so everyone can understand them.
Fees, limits, and bonus terms are all clearly stated. No hidden conditions.
Our policies are built to protect your interests. Your data, funds, and identity are kept secure.
Should any dispute or issue arise, Joy 99 works to provide a fair resolution promptly — within 48 hours at most.
Whether you're on web, Android, or iOS, the same Terms & Conditions apply when using Joy 99.
We respect our users. Our Terms are designed to uphold the rights and responsibilities of both parties.
Register on Joy 99, play safely, and enjoy fresh bonuses every day. Join the trusted platform of over 500,000 users across Bangladesh.