99ad Terms & Conditions

In these Terms and Conditions, the following definitions apply unless the context expressly requires otherwise:

• "99ad" refers to the online gaming platform accessible at 99ad.bio, operated under an internationally licensed framework and offering gaming services to Pakistani players.
• "Account" means the registered personal account held by a Player on the 99ad platform, denominated in Pakistani Rupees (PKR).
• "Agreement" means these Terms and Conditions together with the Privacy Policy, Responsible Gaming Policy, and any applicable bonus or promotional terms.
• "Bonus Funds" means any promotional credits, free bet allocations, cashback credits, or matched deposit amounts credited to a Player's account under a 99ad promotional offer.
• "Gaming Services" means all cricket betting, live casino, slot, instant-win, and other wagering products accessible via the 99ad platform.
• "KYC" means Know Your Customer identity and age verification procedures conducted by 99ad in accordance with its licensing obligations.
• "PKR" means Pakistani Rupees, the sole account currency supported by the 99ad platform.
• "Platform" means the 99ad website, any associated mobile-optimised interface, and all software, tools, and content made available thereunder.
• "Player" means any natural person who has successfully registered and maintains an active Account on the 99ad platform.
• "Wagering Requirement" means the number of times Bonus Funds must be staked on eligible games before the resulting winnings become eligible for withdrawal.

By registering an Account on the 99ad platform, accessing any Gaming Service, or making a deposit into your 99ad PKR Account, you confirm that you have read, understood, and unconditionally agreed to be bound by this Agreement in its entirety. If you do not accept any provision of this Agreement, you must immediately cease use of the 99ad platform and close your Account.

This Agreement is entered into between you, the Player, and 99ad. It is a legally binding contract. You acknowledge that your acceptance is not conditional upon the provision of a physical signature and that electronic acceptance via account registration carries the same legal weight as a written agreement under the applicable framework.

To be eligible to register and maintain a 99ad Account, you must satisfy all of the following requirements at the time of registration and on a continuing basis throughout your use of the platform:

• You must be a natural person aged 21 years or older. 99ad operates a strict 21+ policy. Minors are strictly prohibited from registering or accessing any Gaming Service on the platform.
• You must provide accurate, complete, and current personal information during registration, including your full legal name, date of birth, residential address, and valid contact details.
• You may hold only one (1) Account on the 99ad platform at any time. Multiple accounts per individual are prohibited and will result in all accounts being suspended and balances forfeited.
• You must not be a current employee, contractor, director, or immediate family member of any employee of 99ad or its affiliated platform operators.
• You must not be accessing the platform from a jurisdiction in which online gaming is expressly prohibited under applicable local law, and you accept sole responsibility for determining the legality of your participation.
• You must successfully complete 99ad's KYC verification process, which may require submission of government-issued identity documents and proof of address before withdrawals are authorised.

You are solely responsible for maintaining the confidentiality of your 99ad account credentials, including your username, password, and any two-factor authentication codes associated with your account. You must not disclose your credentials to any third party under any circumstances.

You agree to notify 99ad immediately via the customer support channels if you suspect that your account has been accessed without your authorisation, or if your login credentials have been compromised. 99ad will not be held liable for any losses arising from unauthorised access to your account resulting from your failure to maintain adequate credential security.

• Do not use easily guessable passwords. 99ad recommends a minimum of 12 characters combining uppercase and lowercase letters, numerals, and symbols.
• Enable two-factor authentication (2FA) where available. This is the single most effective measure you can take to protect your 99ad account from unauthorised access.
• Never access your 99ad account from a shared, public, or unsecured device or Wi-Fi connection.
• Log out of your account completely after each session, particularly when using a shared device.
• 99ad will never contact you by phone, SMS, or email to request your password or full payment card details.

All 99ad accounts are held in Pakistani Rupees (PKR). 99ad supports nine PKR-denominated payment methods: JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, Bank Alfalah, Visa, Mastercard, and IBFT bank transfer. No currency conversion is applied to PKR deposits or withdrawals.

You may only deposit funds into your 99ad account from payment instruments registered in your own name. Third-party deposits — including deposits made by family members, friends, or any other person on your behalf — are strictly prohibited and will result in account suspension pending investigation.

• JazzCash & EasyPaisa: Mobile wallet deposits are typically credited to your 99ad PKR balance within seconds of payment confirmation.
• Bank Transfers (HBL, UBL, Meezan Bank, Bank Alfalah, IBFT): Processing times vary by institution but are generally within one banking business day for standard transactions.
• Visa & Mastercard: Card deposits are subject to your issuing bank's international transaction policies and are typically processed within minutes.
• Minimum and maximum deposit limits apply per transaction and per calendar day. Current limits are displayed in the cashier section of your 99ad account.
• 99ad does not charge processing fees on standard deposits; however, your payment provider may apply their own transaction charges.

Withdrawal requests may only be submitted to a payment method that is registered in the same name as your verified 99ad account. Withdrawals to third-party accounts are not permitted under any circumstances.

Before any withdrawal is processed, 99ad may require the completion of KYC verification, including submission of a government-issued identity document (such as a CNIC or passport), proof of address, and, where applicable, proof of payment method ownership. Withdrawals will not be processed until verification is complete to 99ad's satisfaction.

• Withdrawal requests are typically reviewed and approved within one (1) to three (3) business days, subject to verification status.
• Where a deposit was made using JazzCash or EasyPaisa, 99ad will return withdrawals to the same mobile wallet wherever technically possible.
• Minimum withdrawal amounts and any applicable processing fees are displayed in the cashier section of your account at the time of requesting a withdrawal.
• Bonus Funds that have not met the applicable Wagering Requirement are not eligible for withdrawal and will be voided if a withdrawal is requested before completion of the requirement.
• 99ad reserves the right to apply enhanced due diligence reviews to withdrawal requests that exceed specified thresholds or that are flagged by risk management systems.

99ad offers a range of promotional offers to registered Players, including welcome bonuses, reload bonuses, cashback programmes, free bets, and cricket-specific promotional markets. All promotional offers are subject to these Terms and Conditions as well as any specific terms attached to the individual offer at the time of its publication.

• Each promotional offer specifies a Wagering Requirement, eligible games or markets, minimum qualifying deposit (where applicable), and an expiry date. These terms must be satisfied before Bonus Funds or winnings derived from Bonus Funds become eligible for withdrawal.
• Bonus Funds are credited to a separate bonus wallet and are not withdrawable until the Wagering Requirement is met in full.
• 99ad reserves the right to withdraw, modify, or cancel any promotional offer at any time. Players who have already opted into a promotion will be subject to the terms that were in effect at the time of their opt-in.
• Bonuses may not be used in combination unless explicitly stated in the promotional terms. Stacking of bonuses without authorisation constitutes a breach of this Agreement.
• 99ad reserves the right to decline any withdrawal request and void any associated winnings where it determines, in its reasonable discretion, that a Player has engaged in bonus abuse, including but not limited to low-risk hedging strategies designed to extract bonus funds without genuine wagering intent.
• Players who have opted into a self-exclusion programme are not eligible to receive or use any promotional offers during their exclusion period.

All Gaming Services offered on the 99ad platform, including cricket betting, live casino games, slots, and instant-win products, are governed by the individual game rules applicable to each product. These rules are available within each game interface and constitute a binding part of this Agreement by reference.

• All cricket and sports betting outcomes are settled in accordance with 99ad's official sports betting rules, which govern void markets, postponed events, walkovers, and rule 4 deductions where applicable.
• In the event of a technical failure or communication error during a gaming session, 99ad will apply its error resolution policy, which may involve game round cancellation and return of the relevant stake to the Player's PKR balance.
• Obvious pricing errors on betting markets — including odds that are significantly out of line with fair market value — will be voided. 99ad reserves the right to cancel bets placed on erroneous odds, regardless of whether such odds have already been confirmed.
• All live casino games are operated by licensed third-party providers. The random number generators and live dealer systems used are independently certified. Return-to-player rates for slot and instant-win products are available on request.
• Maximum win limits apply per gaming session and per game type. Details are available in the relevant game rules or cashier section.

The following activities are strictly prohibited on the 99ad platform. Engaging in any prohibited activity will result in immediate account suspension, forfeiture of all funds held in the account, and, where applicable, referral to law enforcement or regulatory authorities.

• Multiple Accounts: Operating more than one registered account, whether in your own name or under a third party's identity, is expressly prohibited.
• Identity Fraud: Providing false, stolen, or otherwise misleading personal information during registration or KYC processes constitutes identity fraud and will be reported to the relevant authorities.
• Collusion: Coordinating with other Players to manipulate game outcomes, share cards or hand information in live poker formats, or otherwise gain an unfair advantage over other participants or the platform.
• Match Fixing & Insider Information: Placing wagers on the basis of non-public information regarding the outcome of a sporting event, or in any way facilitating or participating in match fixing, is prohibited and constitutes a serious criminal offence.
• Automated Wagering: Use of bots, scripts, automated betting tools, artificial intelligence systems, or any other software designed to place wagers or interact with the platform without direct human input is strictly forbidden.
• Exploitation of Errors: Deliberately exploiting technical errors, miscalculated odds, software bugs, or payment processing anomalies is prohibited. Any winnings generated through such exploitation will be voided.
• Money Laundering: Use of the 99ad platform for the purpose of laundering the proceeds of criminal activity is a serious criminal offence. 99ad maintains a zero-tolerance AML policy and cooperates fully with all relevant financial intelligence and law enforcement authorities.
• Chargebacks: Initiating a chargeback or payment reversal through your bank or payment provider while retaining winnings generated from the disputed deposit constitutes fraud and will result in permanent account closure and legal proceedings.

99ad is committed to promoting responsible gaming practices and providing meaningful tools to help Players maintain control of their gaming activity. The following responsible gaming features are available to all registered Players at no cost and without restriction:

• Deposit Limits: Set daily, weekly, or monthly PKR deposit limits on your account. Limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Loss Limits: Set a maximum PKR loss threshold per day, week, or month. Once reached, further wagers will be declined until the limit period resets.
• Session Time Reminders: Configure automated reminders at set intervals to alert you to the duration of your current gaming session.
• Reality Checks: Periodic on-screen notifications during active gaming sessions displaying your current session duration and net gaming result.
• Cooling-Off Period: Temporarily suspend your 99ad account for a defined period ranging from 24 hours to 6 weeks. During a cooling-off period, your account cannot be accessed for any gaming activity.
• Self-Exclusion: Request permanent or long-term self-exclusion (minimum 6 months, up to permanent closure) by contacting the 99ad support team. Self-exclusion is irreversible for the chosen period and cannot be reversed by the Player once applied.

Players who are concerned about their gaming behaviour are encouraged to use the self-assessment tools available in the Responsible Gaming section of their account, or to contact the 99ad support team at any hour. Our support staff are trained in responsible gaming escalation procedures and can refer Players to appropriate support resources.

All content on the 99ad platform, including but not limited to software, source code, databases, game content, artwork, logos, trademarks, trade names, text, graphics, audio, video, and user interface designs, is the exclusive intellectual property of 99ad or its licensed content providers and is protected by applicable intellectual property law.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the 99ad platform solely for your personal, non-commercial gaming activity in accordance with this Agreement. This licence does not include the right to reproduce, modify, distribute, publish, reverse-engineer, decompile, or create derivative works from any 99ad content or software.

• You may not use the 99ad name, logo, or any associated branding in any manner without prior written consent from 99ad.
• Screen captures, recordings, or broadcasts of 99ad live casino streams are prohibited without explicit written authorisation from 99ad and the relevant content provider.
• Any unauthorised use of 99ad intellectual property will result in immediate account termination and may give rise to civil and criminal liability.

To the maximum extent permitted by applicable law, 99ad, its directors, officers, employees, affiliates, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the 99ad platform, including but not limited to loss of profits, loss of data, loss of goodwill, or service interruption.

99ad's total aggregate liability to any Player for any claim arising under or in connection with this Agreement shall not exceed the total amount of funds deposited by that Player into their 99ad account in the thirty (30) days immediately preceding the event giving rise to the claim.

• 99ad does not warrant that the platform will be uninterrupted, error-free, or free from viruses or other harmful components.
• 99ad is not liable for any losses arising from network outages, payment system failures, or other technical issues beyond its reasonable control.
• Nothing in this Agreement limits or excludes liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence, to the extent that such limitation is not permitted by applicable law.

Either party may terminate this Agreement and close the associated 99ad account at any time, subject to the following conditions:

• Player-Initiated Closure: You may request account closure at any time by contacting 99ad customer support. Any real-money balance remaining in your account at the time of closure, after deduction of any outstanding Bonus Funds subject to Wagering Requirements, will be returned to your verified payment method within the standard withdrawal processing timeframe.
• 99ad-Initiated Suspension: 99ad reserves the right to suspend, restrict, or permanently close any account at its sole discretion where it has reason to believe that a Player has breached any provision of this Agreement, provided false information during KYC, engaged in any prohibited activity, or where required by applicable law or regulatory instruction.
• Effect of Termination: Upon termination, your licence to use the 99ad platform is immediately revoked. Provisions of this Agreement that by their nature should survive termination — including intellectual property, liability limitations, dispute resolution, and governing law — shall remain in full force and effect.

This Agreement and any dispute or claim arising out of or in connection with it, including non-contractual disputes, shall be governed by and construed in accordance with the terms of 99ad's international licensing framework. The parties agree to attempt to resolve any dispute informally in the first instance by contacting 99ad's customer support team.

Where a dispute cannot be resolved informally within thirty (30) days of the initial complaint being raised, either party may refer the matter to the dispute resolution mechanism specified under 99ad's applicable licensing authority. 99ad's formal complaints procedure is outlined in the FAQ and responsible gaming documentation available on the platform.

For any questions relating to these Terms and Conditions, your 99ad account, or any gaming dispute, you may contact the 99ad support team via live chat, available 24 hours a day, 7 days a week, in both English and Urdu. The 99ad support email address is displayed in the footer of this page.

Formal written complaints should include your full registered name, your 99ad account username, the date and nature of the issue, any relevant transaction reference numbers, and a clear statement of the resolution you are seeking. Complaints submitted without sufficient detail may be returned for clarification before being progressed.