These Terms and Conditions govern your access to and use of the 99y platform, including all casino games, sports betting markets, account services, and payment facilities. By registering an account or using any part of the 99y platform, you agree to be bound by these terms in full.
Access to 99y is strictly limited to users who are 21 years of age or older. Creating an account constitutes a declaration that you meet this requirement. 99y enforces age verification at withdrawal and reserves the right to verify identity at any point.
Each user is permitted to hold exactly one 99y account. Duplicate accounts — whether registered under different names, email addresses, or mobile numbers — will be closed and any balances forfeited. Using another person's account is prohibited.
All promotions, bonuses, and free bets offered on 99y are subject to specific wagering requirements, time limits, and game restrictions. Bonus terms are published at the point of offer. Attempting to abuse bonus structures will result in account suspension.
All 99y account balances are held in Pakistani Rupees (PKR). Deposits and withdrawals are processed via JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank. Withdrawal requests are subject to identity verification and may be held pending KYC completion.
You are solely responsible for maintaining the confidentiality of your 99y login credentials. Any activity conducted through your account is your responsibility. Report any suspected unauthorised access to 99y support immediately via live chat.
Use of automated tools, bots, collusion, match-fixing, or any other fraudulent activity on 99y is strictly prohibited. 99y monitors for irregular play patterns. Accounts found to be engaged in prohibited conduct will be suspended and funds withheld pending investigation.
Please read these Terms and Conditions carefully. These Terms constitute a legally binding agreement between you ("the User") and 99y ("the Platform", "we", "us", "our") in relation to your use of the 99y website, mobile platform, and all associated services. If you do not agree to any part of these Terms, you must not create an account or use the 99y platform.
1.1 These Terms and Conditions ("Terms") apply to all users of the 99y platform and all services provided by 99y, including but not limited to online casino games, sports betting, live dealer games, instant-win games, and associated account, payment, and promotional services.
1.2 99y is operated under an international gaming licence. The platform is subject to the regulatory requirements of its licencing jurisdiction, including standards for game fairness, player fund protection, and responsible gaming compliance.
1.3 These Terms are published in English. Where any translation is provided for convenience, the English version shall prevail in the event of any inconsistency.
1.4 99y reserves the right to amend, update, or replace these Terms at any time. Continued use of the platform following notification of any amendment constitutes acceptance of the revised Terms. Users are encouraged to review these Terms periodically.
1.5 By accessing or using any part of the 99y platform, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Responsible Gaming Policy, each of which is incorporated into these Terms by reference.
2.1 Access to the 99y platform is strictly limited to individuals who satisfy all of the following eligibility criteria:
2.2 It is your sole responsibility to ensure that your use of the 99y platform complies with all applicable laws and regulations in your jurisdiction. 99y makes no representation that access to the platform is lawful in any particular jurisdiction outside of those covered by its operating licence.
21+ Age Restriction: 99y operates a strict minimum age policy. Creating an account on 99y constitutes a declaration that you are 21 years of age or older. 99y will request documentary proof of age at the withdrawal stage and reserves the right to request such documentation at any time during the account lifecycle. Any account found to be held by an individual under the age of 21 will be immediately closed, all gameplay transactions voided, and any deposits returned minus any winnings accrued.
2.3 Residents or citizens of jurisdictions where online gambling is explicitly prohibited by law are not eligible to register or use the 99y platform. It is the user's responsibility to determine whether their jurisdiction permits such activity.
3.1 To access 99y's real-money gaming and betting services, you must create a registered account. Account registration requires you to provide accurate, complete, and current information, including but not limited to your full legal name, date of birth, residential address, email address, and mobile phone number.
3.2 You are permitted to hold only one (1) registered account on the 99y platform. The creation of multiple accounts — whether using different names, email addresses, mobile numbers, or payment methods — is strictly prohibited and will result in the closure of all associated accounts and forfeiture of any balances held therein.
3.3 You must keep your registration information accurate and up to date. Any changes to your personal details — including address, contact information, or payment methods — must be updated promptly via your account settings or by contacting 99y support.
99y operates a Know Your Customer (KYC) verification process in accordance with its licence obligations. You may be required to provide documentary proof of identity and address at any stage of your account lifecycle. Acceptable identity documents include a valid Pakistani CNIC (Computerised National Identity Card), passport, or other government-issued photo identification. Proof of payment method ownership may also be required for JazzCash, EasyPaisa, or bank account withdrawals.
3.5 99y reserves the right to suspend withdrawals, restrict account functionality, or close accounts where satisfactory KYC documentation is not provided within a reasonable timeframe of request.
3.6 You are solely responsible for maintaining the security and confidentiality of your 99y account login credentials, including your username, password, and any two-factor authentication codes. 99y will not be liable for any losses resulting from unauthorised access to your account caused by your failure to maintain credential security.
4.1 All 99y account balances are denominated in Pakistani Rupees (PKR). 99y supports deposits and withdrawals via the following payment methods: JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank. Additional payment methods may be added or removed at 99y's discretion.
4.2 Minimum deposit and withdrawal amounts are published on the 99y payments page and may be updated from time to time. Users are responsible for checking current minimum and maximum transaction limits before initiating any transaction.
Deposits made via JazzCash and EasyPaisa are typically credited to your 99y account balance immediately upon confirmation from the payment provider. Bank transfers via HBL, UBL, or Meezan Bank may take longer to reflect, depending on the sending institution's processing times. 99y is not responsible for delays caused by payment providers or banking institutions.
Withdrawal requests are processed by 99y upon satisfactory completion of identity verification. Withdrawal requests submitted after KYC clearance are typically processed within the timeframe published on the payments page. 99y reserves the right to conduct enhanced due diligence on withdrawal requests that exceed certain thresholds or that display unusual patterns, which may extend processing times.
4.5 Withdrawals will only be processed to a payment method previously used to fund the account, or to a method that has been verified as belonging to the account holder. 99y will not process withdrawals to third-party accounts under any circumstances.
Player Fund Protection: 99y maintains player funds in segregated accounts, separate from the company's operational funds, in compliance with its operating licence requirements. This means that your PKR balance is protected in the event of the company's insolvency.
4.6 99y does not charge fees on deposits or withdrawals. However, your payment provider or bank may apply their own transaction charges. 99y has no control over and accepts no liability for third-party payment fees.
5.1 99y may offer bonuses, free bets, cashback, reload promotions, and other promotional offers to registered users from time to time. All promotions are subject to the specific terms and conditions published at the point of offer, which are incorporated into and form part of these Terms.
5.2 Unless expressly stated otherwise in the promotion-specific terms, the following general bonus conditions apply to all 99y promotions:
5.3 99y reserves the right to withdraw, amend, or cancel any promotion at any time without prior notice. 99y further reserves the right to reclaim any bonus funds or bonus-derived winnings where there is reasonable evidence of bonus abuse, including but not limited to: creating multiple accounts to claim duplicate bonuses, using low-risk betting strategies to fulfil wagering requirements, or engaging in coordinated play with other users.
5.4 In the event of a dispute regarding bonus terms, 99y's interpretation of the applicable terms shall be final and binding, subject to the dispute resolution process set out in Section 14.
6.1 All bets and wagers placed on the 99y platform are subject to the specific product rules applicable to that game or market, which are published within the relevant game or betting interface. In the event of any conflict between product-level rules and these Terms, product-level rules shall prevail in respect of the specific game or market.
6.2 All bets are placed in PKR. Once a bet has been confirmed by the platform, it cannot be altered, cancelled, or reversed by the user. 99y reserves the right to void any bet that was placed at an incorrect price due to a technical error, palpable error, or data feed failure.
Cricket betting, PSL markets, and all other sportsbook products on 99y are governed by the 99y Sportsbook Rules, published within the sportsbook interface. Key provisions include settlement rules for abandoned or postponed matches, live bet confirmation procedures, and the handling of voided selections within accumulators.
Casino game outcomes are determined by certified Random Number Generator (RNG) software where applicable, and by live dealing procedures in the case of live dealer games. Return-to-player (RTP) percentages for slot games are determined by the game provider and are not within 99y's control. Game provider RTP disclosures are the authoritative source for RTP information on any given title.
6.5 In the event of a disconnection during a live casino or in-play betting session, 99y's server logs shall constitute the authoritative record of the state of play at the time of disconnection. 99y will make reasonable efforts to honour wagers in progress at the time of a platform-side disconnection, but accepts no liability for losses caused by the user's own connectivity issues.
7.1 The following conduct is strictly prohibited on the 99y platform. Users found to be engaged in any of the following will have their accounts suspended pending investigation, and may have balances withheld or forfeited:
Match Fixing & Integrity: 99y has zero tolerance for any activity related to match fixing, spot fixing, or the manipulation of sporting events. Any user found to have placed bets in connection with a fixed event — whether or not they were aware of the fixing — will have their account closed and the matter may be reported to relevant sports integrity authorities.
8.1 All content on the 99y platform — including but not limited to the 99y logo and brand identity, website design and layout, game interfaces, promotional graphics, written content, and software — is the property of 99y or its licensors and is protected by applicable intellectual property laws.
8.2 Users are granted a limited, non-exclusive, non-transferable licence to access and use the 99y platform for personal, non-commercial entertainment purposes only. This licence does not include the right to copy, reproduce, distribute, modify, publicly display, or create derivative works from any platform content without 99y's prior written consent.
8.3 Any feedback, suggestions, or ideas submitted to 99y by users may be used by 99y without restriction or compensation to the submitting user.
9.1 To the fullest extent permitted by applicable law, 99y shall not be liable to any user for any indirect, incidental, special, consequential, or punitive losses or damages arising from or in connection with the use of the 99y platform, including but not limited to loss of winnings, loss of data, loss of opportunity, or loss of goodwill.
9.2 99y does not warrant that the platform will be uninterrupted, error-free, or free from viruses or other harmful components. The platform is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
9.3 Nothing in these Terms excludes or limits 99y's liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited by applicable law.
9.4 In jurisdictions that do not allow the exclusion or limitation of certain warranties or liabilities, 99y's liability shall be limited to the maximum extent permitted by law.
10.1 99y reserves the right to suspend, restrict, or permanently close any user account at any time, with or without prior notice, in the following circumstances:
10.2 Where an account is closed for reasons other than a breach of these Terms, any verified balance remaining in the account at the time of closure will be returned to the user via their registered payment method, subject to completion of applicable KYC requirements.
10.3 Where an account is closed due to a breach of these Terms or as a result of a fraud or prohibited conduct investigation, 99y reserves the right to withhold the account balance pending the outcome of such investigation. Where a breach is confirmed, funds may be forfeited in whole or in part.
10.4 Dormant accounts may be subject to an inactivity fee as disclosed in the fee schedule published on the 99y platform. This fee will not reduce any account balance below zero.
11.1 99y is committed to promoting responsible gaming among all users. 99y recognises that gambling can become harmful for some individuals and has implemented a range of tools and safeguards to support safe play.
11.2 The following responsible gaming tools are available to all registered 99y users via the account dashboard:
11.3 Self-exclusion requests will be acted upon within 24 hours of submission. During the self-exclusion period, 99y will take reasonable steps to prevent marketing communications being sent to the excluded account holder.
11.4 If you believe you may have a gambling problem, 99y strongly encourages you to visit the Responsible Gaming page of this platform for guidance on problem gambling recognition and access to support resources.
21+ Only — No Exceptions: All users must be at least 21 years of age. If you are aware of a minor attempting to access the 99y platform, please report this to 99y support immediately. 99y has zero tolerance for underage gambling and will cooperate fully with any relevant authorities in connection with such matters.
12.1 99y collects, processes, and stores personal data in accordance with its Privacy Policy, which is published on the 99y platform and incorporated into these Terms by reference. By using the 99y platform, you consent to the collection and use of your personal data as described in the Privacy Policy.
12.2 Personal data provided during registration and KYC verification is used for the purposes of account administration, identity verification, payment processing, fraud prevention, and compliance with applicable legal and regulatory obligations.
12.3 99y implements technical and organisational security measures to protect user personal data against unauthorised access, loss, or disclosure. These include TLS/SSL encryption for all data in transit and secure storage practices for data at rest.
12.4 99y will not sell or rent your personal data to third parties for marketing purposes. Personal data may be shared with regulated third parties — including payment processors, KYC verification providers, and regulatory bodies — only to the extent necessary for the purposes described in the Privacy Policy.
13.1 99y reserves the right to amend these Terms at any time. Where changes are material, 99y will notify registered users via email or in-platform notification prior to the changes taking effect. The date of the most recent amendment will be displayed at the top of this page.
13.2 Continued use of the 99y platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the amended Terms, you must cease using the platform and close your account.
13.3 It is your responsibility to review these Terms periodically. 99y recommends checking this page at least once every three months, or following any notification of an update.
14.1 These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which 99y holds its operating licence. Nothing in this clause limits any statutory rights you may have under the laws applicable in your own jurisdiction.
14.2 In the event of a dispute arising from your use of the 99y platform, you should first contact 99y's customer support team via live chat or email. 99y will endeavour to resolve all disputes informally within a reasonable timeframe.
14.3 Where a dispute cannot be resolved through informal channels, users may escalate the matter to the dispute resolution process provided by 99y's licencing authority. Details of this process are available on the 99y platform upon request.
14.4 For clarity, 99y's determination of the outcome of any in-game event, bet settlement, or bonus calculation is final. Disputes regarding the outcome of RNG-determined games are subject to the game provider's audit and certification records, which constitute authoritative evidence of game outcomes.
15.1 If you have any questions regarding these Terms and Conditions, or wish to raise a formal complaint, you may contact the 99y support team through the following channels:
15.2 When submitting a formal complaint, please include your registered account username, a clear description of the issue, and any relevant supporting documentation. This will allow the 99y compliance team to investigate and respond as efficiently as possible.
These Terms and Conditions were last reviewed and updated in January 2026. 99y will publish a revised version of this page whenever material changes are made. The version date displayed at the top of this page is always the currently operative version.
Now that you have reviewed our Terms, explore everything 99y has to offer — cricket betting, live casino, slots, and a PKR-native wallet built for Pakistani players.
21+ only. Real-money gaming products. Please play responsibly and within your means.