99 XO's Terms & Conditions

1 General Terms & Conditions

99 XO is an online gaming and betting platform serving users in Bangladesh and other regions. These Terms and Conditions apply to the website, mobile app, and all services offered by 99 XO.

By accessing or using the platform, you confirm that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, please refrain from using our platform.

These terms must always be read alongside our Privacy Policy and Responsible Gaming Policy. Together, these three documents form the complete legal framework governing the use of 99 XO.

2 Account Registration

To register an account with 99 XO, you must meet the following requirements:

• You must be at least 18 years of age.
• You must not be a resident of any country or region where online gaming is prohibited by law.
• All information provided at registration must be truthful, accurate, and complete.
• You have not previously held an account with 99 XO, or any such account has not been closed.
• You are opening this account in your own name, not on behalf of anyone else.

Each person may register only one account. If multiple accounts are found linked to the same individual, all accounts will be closed and balances may be forfeited. It is your sole responsibility to keep your account information up to date.

3 Identity Verification (KYC)

99 XO follows a KYC (Know Your Customer) process to ensure the highest level of security. We may ask you to verify your identity in the following situations:

• Prior to your first withdrawal.
• When processing high-value transactions.
• Unusual activity detected on your account.
• As part of our annual routine review.

KYC verification typically requires a copy of your National ID (NID), passport, or driving licence, along with a recent utility bill or bank statement. Withdrawals may be held until verification is complete, though you can continue playing in the meantime.

4 Deposits & Withdrawals

99 XO supports the most popular payment methods available in Bangladesh. Deposits are generally credited instantly. Withdrawal processing times may vary depending on the payment method used.

• Minimum deposit: ৳500.
• Minimum withdrawal: ৳1,000.
• Withdrawal processing time: typically within 1–24 hours.
• The payment method used for withdrawals must match the one used for deposits.
• Bonus funds credited to your account cannot be withdrawn directly — wagering requirements must first be met.

If any transaction appears suspicious or unusual, 99 XO reserves the right to place it on temporary hold. In such cases, our support team will reach out to you directly. Compliance with anti-money laundering laws is a legal obligation of 99 XO.

5 Bonuses & Promotions

99 XO regularly offers a variety of bonuses and promotional offers. Each offer has its own terms and conditions, detailed on the relevant offer page. By claiming a bonus, you agree to the associated terms.

General Bonus Terms:

• A specific wagering requirement (typically 30x–40x) must be met to qualify for the welcome bonus.
• Different games may contribute varying amounts toward wagering requirements when playing with bonus funds.
• Wagering requirements must be completed within 30 days of receiving the bonus, or the bonus will be forfeited.
• The same bonus cannot be claimed more than once.
• If you withdraw before meeting the bonus wagering requirements, the bonus and any associated winnings will be forfeited.

6 Gaming Rules

All games on 99 XO are operated in accordance with internationally recognized standards. The rules for each game are available within the game interface. The highest level of transparency is maintained in determining all game outcomes.

• All slots and card games use certified RNG (Random Number Generator) technology.
• Live games are streamed in real time with live dealers.
• If a game is cancelled due to a technical error, the full bet amount will be refunded.
• Once a bet is placed, it cannot be changed or cancelled (except where a specific cash-out feature applies).
• For Sports Betting, official results shall be considered final.

Any dispute regarding game outcomes will be investigated by the 99 XO Security and Compliance Team. Funds related to the dispute may be placed on hold during the investigation. The team's decision shall be considered final.

7 Prohibited Activities

The following activities are strictly prohibited on 99 XO and may result in penalties:

• Using automated software, bots, or scripts to play games.
• Exploiting system vulnerabilities or bugs.
• Creating multiple accounts to claim bonus offers.
• Colluding with other players to manipulate game outcomes.
• Using the platform for money laundering or any form of illegal financial activity.
• Harassing other users or engaging in offensive behavior.
• Attempting to hack or gain unauthorized access to any part of the platform.

8 Privacy & Data Protection

Your personal information is of the utmost importance to 99 XO. We collect, use, and store your data solely for the purpose of providing our services. Your information is never sold to any third party.

To keep your account secure:

• Use a strong and unique password.
• Keep two-factor authentication (2FA) enabled.
• Avoid logging in on public devices or shared networks.
• Never share your account login credentials with anyone.

For more information, visit our Privacy Policy Read.

9 Limitation of Liability

99 XO is not liable for:

• Game cancellation or loss due to internet disconnection.
• Transaction delays caused by third-party payment providers.
• Service disruptions caused by issues with your device or software.
• Unauthorized access to your account by a third party due to your own negligence.
• Service unavailability due to unexpected technical disruptions or scheduled maintenance.

10 Account Closure & Suspension

99 XO may temporarily or permanently suspend an account under the following circumstances:

• Breaching any provision of these Terms and Conditions.
• Opening or operating an account using false information.
• Failure to complete KYC verification or submission of fraudulent documents.
• Involvement in prohibited activities.
• At your own request (self-exclusion).

You may request account closure at any time. You will be given the opportunity to withdraw any valid balance before the account is closed, unless the closure is due to a breach of these Terms.

11 Responsible Gaming

99 XO is firmly committed to responsible gaming. Gaming is a form of entertainment, not a means of income or an addiction. We want every member to enjoy our platform safely and in good health.

Our responsible gaming tools:

• Deposit Limit: Set daily, weekly, or monthly deposit limits.
• Session Limit: Set a limit on how long you play in a single session.
• Loss Limit: Gaming will automatically stop once a set loss limit is reached.
• Self-Exclusion: Temporarily or permanently close your account.
• Reality Check: Receive reminders about your gaming time and spending at set intervals.

To learn more, visit our Responsible Gaming Visit the page.

12 Amendments & Effective Date

99 XO reserves the right to update, modify, or amend these terms and conditions at any time. For significant changes, we will notify you via the email address registered to your account or through an on-platform announcement.

Continued use of the platform after any changes have been made will be considered acceptance of the updated Terms. We recommend checking this page regularly.

These terms and conditions are governed by international gaming laws and regulations. In the event of a dispute, both parties will first attempt to resolve the matter through mutual discussion. If no resolution is reached, the applicable international arbitration process will be followed.