Joiya's Terms & Conditions — Complete Guide

Welcome to the Joiya platform. These Terms & Conditions form a legal agreement between Joiya and its users. By accessing Joiya's website, mobile application, or any of its services, you automatically agree to these Terms & Conditions.

Joiya provides online Sports Betting and casino services to users in Bangladesh under an international license. These Terms may be updated from time to time. Any changes take effect immediately upon publication on the website.

These Terms apply to: (a) visiting the Joiya website; (b) registering and using an account; (c) any betting or gaming activity; (d) any financial transactions; and (e) claiming promotions or bonuses.

To open an account on Joiya, you must meet all of the following requirements:

• Age: You must be at least 18 years of age. Use of Joiya by minors is strictly prohibited.
• Identity: All information provided at registration must be accurate and up to date.
• Single Account: Each person may hold only one account. Creating multiple accounts is prohibited.
• Verification: joiya may request identity verification documents at any time.

After registration, Joiya may ask you to complete a KYC (Know Your Customer) process. Completing KYC is mandatory before making any withdrawals. This may require you to submit a national ID or passport along with proof of address.

The following rules apply to all deposits made on joiya:

The following conditions apply when withdrawing winnings from Joiya:

• Minimum Withdrawal: The minimum withdrawal amount is ৳500.
• KYC Verification: Identity verification is mandatory before making your first withdrawal.
• Same Method: Withdrawals must be made through the same method used for the original deposit.
• Processing Time: Under normal circumstances, withdrawals are completed within 5–15 minutes. If verification is required, it may take up to 24 hours.
• Bonus Wagering: Bonus funds cannot be withdrawn until the specified wagering requirements have been met.

Joiya reserves the right to suspend or cancel withdrawals in cases of suspicious activity or rule violations. The user will be notified and may be asked to provide supporting documents.

The following rules apply when playing Sports Betting and casino games on Joiya:

• Bet Acceptance: All bets are considered final once accepted by Joiya's system. If odds change, the odds at the time the bet was accepted will apply.
• Maximum Bet Limit: Each market has a set maximum bet limit. This limit may be adjusted based on the user's betting patterns.
• Event Cancellation: If a sporting event is cancelled, all bets on that event will be voided and stakes will be refunded.
• Technical Error: If a server or software error affects the outcome of any game, Joiya reserves the right to void that round and refund the stake.

Joiya reserves the right to investigate any bet it deems suspicious and to void it if necessary. Betting involving match-fixing or manipulation is strictly prohibited, and accounts found to be involved will be permanently closed.

Joiya regularly offers various bonuses and promotions. While each offer has its own specific terms, the following general rules apply to all bonuses:

The following activities are strictly prohibited on Joiya. Any violation will result in permanent account closure:

• Creating or operating multiple accounts
• Depositing using another person's payment method
• Exploiting the bonus system to gain unfair profits (Bonus Abuse)
• Using software or automated/robotic systems to place bets
• Placing bets using match fixing or insider information
• Money laundering or transactions involving illegal funds
• Assisting minors in creating an account

Joiya reserves the right to temporarily or permanently close an account under the following circumstances:

• Where clear evidence of a terms violation is found
• If evidence of false identity or misrepresentation is found
• Extended period of inactivity (more than 12 months)
• At the user's own request
• For legal or regulatory reasons

Before closing an account, joiya will generally notify the user by email or SMS — unless the violation requires immediate action. Any valid balance will be refunded, though balances may be forfeited in cases of rule violations.

Joiya believes betting should be a fun and recreational activity, but recognizes that for some people it can become addictive. That's why joiya offers the following responsible gaming tools:

• Deposit Limits: Set daily, weekly, or monthly deposit limits.
• Session Limits: Set a daily limit on how long you spend playing.
• Self-Exclusion: Take a break from the platform for a set period of time.
• Reality Check: You will be reminded periodically of how long you have been playing.

For any dispute or complaint, contact joiya's customer support first. Most issues are resolved within 24–48 hours.

• Email: support@joiya.net
• Live Chat: Available 24/7 via website or app
• Language: Support Available in English

If your issue cannot be resolved through customer support, you may escalate it to Joiya's licensing authority. Any legal disputes relating to these Terms & Conditions will be governed by the laws of Joiya's licensing jurisdiction.