Joya 44 Terms & Conditions – Please Read Before Use

Joya 44 (referred to herein as the "Platform" or "we") is an online betting and gaming platform operated for users in Bangladesh. These Terms & Conditions apply to all use of joya 44's services.

By creating an account or using any service on joya 44, you automatically agree to these terms and conditions. If you do not agree, please do not use joya 44.

Joya 44 does not condone any illegal activity. The platform is intended for lawful use only, and we are committed to complying with all applicable laws.

To open an account on joya 44, you must meet the following eligibility criteria:

• You must be at least 18 years old.
• You must be a resident of Bangladesh.
• You must have an active mobile number and email address.
• Only one account per person is permitted.
• You must provide accurate and truthful information at the time of registration.

Joya 44 may verify the accuracy of the information you provide at registration at any time. Accounts created with false information will be suspended and any associated balance may be forfeited.

Joya 44 reserves the right to reject any registration application without providing a reason. A national ID card, passport, or birth certificate may be requested for account verification.

Before placing a bet on joya 44, please read the specific rules for each event. General betting rules include:

• Once a bet is confirmed, it cannot be changed or cancelled.
• Pre-match bets close before the match or event begins.
• Odds in live betting can change rapidly; bets will be settled at the odds confirmed at the time of placement.
• If a match is cancelled or abandoned mid-play, the stake will be refunded.
• For bets left unresolved due to technical issues, joya 44's decision is final.
• If a palpable error is identified in the odds, joya 44 reserves the right to void or correct the affected bet.

Joya 44 reserves the right to suspend or permanently close any betting market or event at any time. If match-fixing or unusual betting patterns are suspected, the relevant bets will be held pending investigation.

Joya 44 supports the popular mobile banking and online payment methods used in Bangladesh. Key payment rules:

• Deposit: A minimum deposit amount applies. Deposits are generally processed instantly.
• Withdrawal: Withdrawal requests are processed within 24–72 business hours.
• KYC verification must be completed before any withdrawal can be processed.
• Withdrawals can only be made using the same payment method used for the deposit.
• Joya 44 may review any transaction as part of its anti-money laundering obligations.

Joya 44 does not charge any payment processing fees. However, third-party payment providers may apply their own fees, for which joya 44 is not responsible.

Joya 44 offers a variety of bonuses and promotions, each with its own specific terms. General bonus policy:

• The welcome bonus is available to new members only and applies to the first deposit.
• A specified wagering requirement must be met before any bonus can be withdrawn.
• Voucher codes are single-use only and will not be valid after their expiry date.
• Multiple bonuses cannot be active at the same time unless a promotion explicitly states otherwise.
• Bets placed with bonus funds must have minimum odds of 1.50 or higher.

Detailed Terms for Bonuses & Promotions on the Promotions page and on the Voucher page available. If anything is unclear, please contact customer support.

Joya 44 takes the protection of your personal information seriously. Our data collection and usage policy:

• Your information is used solely for operating the platform and improving our services.
• Your information is not shared with any third party except where required by law.
• All data is secured with SSL encryption.
• You have the right to request access to, correction of, or deletion of your personal data.

For more details, visit our Privacy Policy Read.

Joya 44 believes betting is a form of entertainment — not a livelihood. We encourage responsible play and are committed to helping prevent problem gambling.

• You can set your own daily, weekly, or monthly betting limits at any time.
• Accounts may be suspended temporarily or closed permanently.
• The self-exclusion option allows you to take a break from betting for a set period of time.
• If a complaint about addiction is received from a family member or friend, joya 44 will investigate.

For more details, visit our Responsible Gambling Page View.

The following activities are strictly prohibited on joya 44:

• Creating multiple accounts or using another person's account.
• Coordinated betting for the purpose of bonus misuse (Bonus Abuse / Arbitrage).
• Using the platform for money laundering or any unlawful purpose.
• Exploiting system vulnerabilities or bugs to gain an unfair advantage.
• Placing bets using automated bots or software.
• Fraudulent conduct or threats directed at joya 44 staff.
• Placing bets based on match fixing or insider information.

Joya 44 may suspend or close an account under any of the following circumstances:

• If evidence of a terms violation is found.
• Failure to complete KYC verification or providing false information.
• Accounts that have been inactive for an extended period (more than 12 months).
• Based on a court order or government directive.
• At the user's own request.

You may also request to close your account at any time through customer support. You will be given the opportunity to withdraw any valid balance before closure, unless the account is being closed due to a breach of these Terms & Conditions.

Joya 44 is not liable for the following:

• Bets or opportunities lost due to internet disconnection.
• Failure or delays caused by third-party payment providers.
• Unexpected technical issues or server downtime.
• If account credentials are compromised due to user negligence.
• Financial losses from betting — betting always carries risk.

Joya 44 reserves the right to modify these terms and conditions at any time. In the event of changes:

• Users will be notified of significant changes via email or platform notification.
• The date of any update will be noted at the top of the page.
• Continued use of the platform after any changes take effect will be considered acceptance of the updated terms.

We recommend checking this page regularly. If you object to any changes, you have the option to close your account.

For any questions or complaints regarding the terms and conditions, please contact the joya 44 customer support team:

• Email: support@joya44.com
• Live Chat: Use the chat button at the bottom right of any page on the platform.
• Hours: 24/7, with support available in Bengali.

Any dispute will first be addressed through customer support. If you are not satisfied with the support team's decision, you may escalate the matter to senior management. joya 44's final decision is binding.