joya Terms and Conditions

joya is an online gaming and betting platform that provides casino games, sports betting and related services to users in Bangladesh. These terms and conditions ("Terms") form a legal agreement between joya ("Platform", "we", "us") and the registered user ("you", "member").

By accessing the joya website, creating an account, or starting to use any service, you are considered to have accepted these terms fully and unconditionally. If you do not agree with any term, please refrain from using the platform.

joya reserves the right to change or update these terms at any time. Continuing to use the platform after any change means you have accepted the new terms. For important changes, we will attempt to send a notification to your registered email address.

2.1 Age Limit and Identity Verification

To open an account on joya, you must be 21 years of age or older. By creating an account, you confirm that you meet this age requirement. joya reserves the right to verify age and identity at any time and may hold withdrawals until verification is complete.

2.2 One Account Policy

Each individual may open only one account. If multiple accounts belonging to the same person are detected, all accounts will be closed and the associated balances may be forfeited. If different members of the same household use separate accounts from the same device or network, please contact our support team in advance.

2.3 Obligation to Provide Accurate Information

At the time of registration, you must provide accurate and up-to-date information — including your name, date of birth, mobile number and email address. If false or incorrect information is provided, joya reserves the right to cancel the account and forfeit any winnings.

2.4 Account Security

It is your responsibility to keep your account password and login details confidential. You must not allow any third party to use your account. If you suspect unauthorised access to your account, notify our support team immediately.

3.1 Deposit Methods and Limits

Accepted deposit methods on joya are: bKash, Nagad, Rocket, Upay and bank transfer (such as Dutch-Bangla Bank, BRAC Bank, Islami Bank). The minimum deposit amount is ৳300 for each method.

After a successful deposit, funds are added to your account automatically. If a deposit fails or your balance does not increase within the expected time, contact the support team with a screenshot of the transaction and the reference number.

3.2 Withdrawal Policy

The minimum withdrawal amount from joya is ৳500. Withdrawal processing generally takes 5 to 30 minutes. The same method used for depositing must be used for withdrawal. Available withdrawal methods are: bKash, Nagad, Rocket, Upay and bank transfer.

3.3 Mandatory Identity Verification

Before processing a withdrawal request, joya may ask for identity verification. A copy of a national ID card, passport or other government-issued document may need to be submitted. Withdrawals may be delayed or held if verification is not completed.

3.4 Suspicious Transactions

If money laundering or fraudulent activity is suspected, joya may hold or investigate any transaction. In such cases, the relevant account may be temporarily suspended and related information may be provided to the appropriate authorities.

4.1 Welcome Bonus

New members will receive a 100% bonus on their first deposit, up to a maximum of ৳5,000. Before using this bonus, a wagering requirement of 20 times the bonus amount must be completed. For example: if you deposit ৳1,000 and receive a ৳1,000 bonus, your total balance will be ৳2,000, and you will need to wager ৳1,000 × 20 = ৳20,000 before withdrawing.

4.2 General Bonus Terms

• A bonus offer is applicable to one account, one household or one IP address only.
• Bonus funds cannot be withdrawn directly — withdrawal is only possible after the wagering requirement has been met.
• There may be restrictions on placing bets with bonus funds in certain games or betting categories.
• joya reserves the right to change or cancel any bonus offer at any time.
• If bonus abuse is suspected, joya may cancel the bonus.

4.3 Other Promotional Offers

joya runs various offers from time to time, including weekly reload rewards, slot festival bonuses, cricket mania offers, birthday gifts and referral rewards. Each offer has its own terms and wagering requirements, which are clearly stated at the time of the promotion.

5.1 General Betting Rules

On joya, each bet is finalised at a set moment — once confirmed, a bet cannot be cancelled or changed. For determining the results of sporting events, the official results of the relevant international governing body are accepted.

5.2 Technical Issues

If a game is interrupted due to a server outage, network disconnection or software error, joya will make a decision based on the circumstances. Game logs and server records will be treated as the final evidence.

5.3 Bet Limits

Minimum and maximum bet limits apply to each game or betting market and are clearly displayed on the platform. joya reserves the right to adjust bet limits for any user if needed.

5.4 Prohibited Activities

Using automated bots, scripts or software to place bets on joya is strictly prohibited. If multiple accounts are used to abuse bonuses, place fraudulent bets or exploit system vulnerabilities for gain, the account will be permanently closed and the balance will be forfeited.

joya believes that gaming should be done for entertainment. We help users build healthy gaming habits under our Responsible Gaming Policy.

Users can set their own deposit limits, session time and bet limits. There is also an option to temporarily suspend or permanently close an account for a set period if needed.

If you feel that gaming is having a negative effect on your daily life, family relationships or financial stability, seek help without delay. joya's support team is available 24/7 via live chat and email in both Bengali and English.

joya places the highest importance on collecting, storing and using your personal information. Our Privacy Policy describes in detail what information is collected, how it is used, and under what circumstances it may be shared with third parties.

Your financial and personal information is kept secure through SSL encryption. joya will never ask for your password or complete bank details via email or chat.

8.1 Closure at User's Request

Any member may request to close their account at any time. There will be an opportunity to withdraw the remaining balance before the account is closed, however any bonus balance without a completed wagering requirement will be cancelled.

8.2 Suspension or Closure by joya

joya may suspend or permanently close an account without notice in any of the following circumstances:

• If registration was completed using false or incorrect information.
• If multiple accounts are being operated.
• If bonuses or promotional offers are being abused.
• If the account is involved in fraudulent or illegal activity.
• If harassing behaviour towards other users is found.
• If an age limit violation is proven.

In such circumstances, joya has the right to forfeit all balances in the account.

joya is not liable for losses caused by technical failures on the platform, disruptions to third-party services, or issues with your own device or internet connection. Full responsibility for any financial losses from gaming or betting lies with the user.

joya does not guarantee winnings in any game or a specific RTP — all games operate on the basis of a random number generator (RNG). Game outcomes are outside joya's control.

10.1 How to Submit a Complaint

If you have a dispute or complaint, please contact our support team directly in the first instance. Support is available 24 hours a day, 7 days a week in Bengali and English via live chat or email. The support team will try to resolve your complaint as quickly as possible.

10.2 Final Decision

If a complaint is not resolved, the matter will be escalated to senior management for review. The decision of joya's management will be considered final and binding. The applicable laws and jurisdiction will apply to the resolution of any legal disputes.

The intellectual property rights for the joya website, design, logo, graphics, software and all content belong to joya or its licensed partners. Copying, distributing or using these materials for commercial purposes without our written permission is prohibited.

Content from third-party game providers on the platform (such as Pragmatic Play, PG Soft, JILI, Evolution, etc.) is governed by their respective intellectual property rules.

12.1 Right to Modify Services

joya reserves the right to add or remove its services, game catalogue, betting markets or any features at any time without giving reasons. The platform may be temporarily taken down for maintenance or upgrades.

12.2 Force Majeure

joya is not liable for service disruptions caused by natural disasters, government directives, power outages, cyber attacks or other unforeseen circumstances.

12.3 No Assignment

You may not transfer any of your rights or obligations under these terms to a third party. joya may transfer its business rights to any affiliated entity if needed.

12.4 Entire Agreement

These terms and conditions, the Privacy Policy and any applicable promotional terms together form the complete legal agreement between you and joya. Any prior oral or written understandings are replaced by this agreement.

To learn more about any part of these terms, visit our About Us page or contact the support team.