Legal Document

99ab Terms & Conditions

Please read all the terms below carefully before using this platform — they define your rights and responsibilities.

Last updated: January 2026

General Rules & Definitions

Clause 1.1

Acceptance of Agreement

By accessing or using the 99ab platform, you automatically agree to these Terms & Conditions, our Privacy Policy, and our Responsible Gaming guidelines. If you do not agree with any part of these terms, please refrain from using the platform.

This document forms a legal agreement between 99ab ("Platform", "we", "us") and the user ("you", "member"). This agreement is effective in accordance with Bangladesh Standard Time (BST, UTC+6).

Clause 1.2

Key Definitions

The following terms used in this document have the meanings set out below:

  • "Platform" — 99ab's website, applications, and all associated services.
  • "Member" — any individual who holds a registered account on 99ab.
  • "Real Money Balance" — actual funds deposited into a member's account.
  • "Bonus Balance" — credits awarded through promotional activities that cannot be withdrawn before specific wagering requirements are met.
  • "Wagering Requirement" — the obligation to place a specified amount in bets before winnings from a bonus can be withdrawn.
  • "KYC" (Know Your Customer) — the identity verification process.
Clause 1.3

Applicable Law

99ab is committed to providing a safe and fair online gaming environment. The platform uses SSL encryption technology to protect all transactions and personal data. We use certified Random Number Generator (RNG) software to ensure fair play.

Account Registration & Eligibility

Clause 2.1

Age Requirement

To open an account on 99ab and use any gaming or betting services, a member must be at least 21 years of age. Use of the platform by minors is strictly prohibited.

Important: For those aged 21 and above only. Providing a false age when opening an account will result in account cancellation and deposited funds may be forfeited.
Clause 2.2

One Account Policy

Each individual may operate only one account. If multiple accounts are opened by the same person, household, device, or IP address, all associated accounts will be permanently closed.

  • More than one account cannot be opened using the same mobile number.
  • Depositing funds from the same bank or mobile banking account into multiple 99ab accounts is prohibited.
  • 99ab reserves the right to conduct verification at any time if suspicious activity is detected.
Clause 2.3

Providing Accurate Information

Members must provide accurate and up-to-date personal information at the time of registration. Providing false or misleading information may result in account cancellation and forfeiture of deposited funds. If any information needs to be changed, please contact the customer support team.

Account Security & Verification

Clause 3.1

Password & Login Security

It is entirely your responsibility to keep your account login credentials (username and password) confidential. Never share your password with any third party. If you suspect any unauthorized access to your account, notify 99ab customer support immediately.

  • Use a strong password — a combination of letters, numbers, and special characters.
  • Change your password regularly.
  • Avoid logging in from public or shared devices.
Clause 3.2

KYC Verification Process

In the interest of security and fraud prevention, 99ab may request identity verification documents from any member. KYC may be mandatory in particular for large withdrawal amounts or cases of suspicious activity.

Documents that may be required from a member include: National Identity Card (NID), passport, or driving licence. After documents are submitted, 99ab will endeavour to complete verification promptly.

Please note: Certain withdrawal facilities may be restricted until the verification process is complete. This is done for the member's own protection.

Deposit & Withdrawal Policy

Clause 4.1

Accepted Deposit Methods

99ab currently accepts deposits via the following mobile banking methods:

  • bKash — Bangladesh's most widely used mobile wallet.
  • Nagad — the postal department's digital financial service.
  • Rocket — Dutch-Bangla Bank's mobile banking service.
  • Upay — United Commercial Bank's mobile wallet.
Minimum deposit amount: ৳100 for all methods.
Clause 4.2

Withdrawal Policy

Withdrawal requests are generally processed within 10 to 45 minutes. The following conditions apply to withdrawals:

  • Minimum withdrawal amount: ৳800.
  • Withdrawal requests will be processed via the same mobile banking method used for the deposit.
  • Withdrawals may be delayed if account verification is not complete.
  • Bonus balance cannot be withdrawn until wagering requirements have been met.
Please note: 99ab may request additional documentation to verify a withdrawal request. This is part of our anti-money laundering policy.
Clause 4.3

Transaction Confirmation

99ab maintains a transaction record for all deposits and withdrawals. If a member experiences any issue with a transaction, they must contact the support centre immediately. Transaction details can be viewed in the member's account history.

Bonus & Promotion Terms

Clause 5.1

Welcome Bonus

New members will receive a 200% bonus on their first deposit, up to a maximum of ৳5,000. For example:

  • Deposit ৳1,000 and receive a ৳2,000 bonus, giving a total balance of ৳3,000.
  • Deposit ৳6,000 or more and receive the maximum ৳5,000 bonus, giving a total balance of ৳11,000.

Once a bonus is credited, it cannot be withdrawn directly; wagering requirements must first be met.

Clause 5.2

Wagering Requirement

The wagering requirement for the welcome bonus is 20 times the bonus amount. Wagering is calculated based on the bonus amount only — the deposit amount is not included.

Example: ৳2,000 bonus × 20 = a total of ৳40,000 must be wagered before bonus winnings can be withdrawn.

The deadline for meeting wagering requirements applies from the date the bonus is awarded. If requirements are not met within the specified time, the bonus and any winnings derived from it will be forfeited.

Clause 5.3

Bonus Abuse Policy

If any attempt is made to abuse or misuse bonuses, 99ab reserves the right to investigate and suspend the relevant account. Bonus abuse includes: hedging risk by altering betting patterns, claiming the same promotion from multiple accounts, or collecting bonuses as part of a group.

Clause 5.4

VIP & Cashback Program

99ab's VIP program has three tiers. Weekly cashback is awarded at each tier based on regular play:

  • Bronze — up to 0.5% cashback per week.
  • Silver — up to 1.0% cashback per week.
  • Gold — up to 1.5% cashback per week.

VIP tier upgrades are based on regular and active play. Additional benefits and priority service are provided at each tier.

Betting & Gaming Rules

Clause 6.1

Betting Rules

All bets on 99ab are processed in real time. Once a bet is confirmed, it cannot be cancelled or changed. If a bet is not correctly registered due to a technical error, 99ab reserves the right to void the bet and refund the staked amount.

Clause 6.2

Sports Betting

The sports betting section allows bets on cricket, football, kabaddi, and various other sports. Bet outcomes are determined based on official results. If a match is cancelled for an unforeseen reason, bets are generally refunded.

Markets available in sports betting include: Match Winner, Over/Under, Handicap Betting, and more. For matches such as Bangladesh vs India, you can choose from a variety of markets.

Clause 6.3

Casino Games & Fairness

All casino games on 99ab — slots, live casino, table games — are operated by certified software providers and use RNG technology to ensure fair outcomes. Each game's result is completely independent and unaffected by previous results.

Prohibited Activities

Clause 7.1

Fraud & Manipulation

Any of the following activities are strictly prohibited and may result in immediate account cancellation:

  • Intentionally exploiting any bug or vulnerability in the platform's software.
  • Using bots, scripts, or automated software to play games.
  • Colluding or coordinating with other players to influence outcomes.
  • Using the platform for money laundering or illegal financial activities.
  • Attempting unauthorized access to another person's account.
  • Harassing or showing disrespectful behavior toward other members.
Clause 7.2

Professional Player Policy

99ab reserves the right to impose betting limits or suspend accounts of those who use professional or advantage-play strategies in certain games. This policy helps maintain a fair environment for all members.

Account Suspension & Closure

Clause 8.1

Account Closure by 99ab

99ab may suspend or permanently close an account without prior notice in the following circumstances:

  • If any part of these terms and conditions is violated.
  • If false or misleading information is provided.
  • If fraudulent or illegal activity is suspected.
  • If a KYC verification request goes unanswered.

Upon account closure, any valid balance (excluding bonuses) will generally be returned, unless evidence of fraud is found.

Clause 8.2

Account Closure by the Member

Any member may request to close their account at any time. To do so, contact the customer service team. It is advisable to withdraw all valid balance before closing the account.

Self-Exclusion Feature: If you want to take a break from gaming, learn about the self-exclusion feature on our Responsible Gaming page.

Limitation of Liability

Clause 9.1

Technical Issues & Service Disruptions

99ab is committed to providing uninterrupted service at all times. However, 99ab will not be held liable if the service is temporarily unavailable due to network outages, server maintenance, issues with third-party payment providers, or any other unavoidable circumstances.

In cases where a balance or winnings are displayed incorrectly due to a technical error, 99ab reserves the right to correct that error and, if necessary, void the relevant bets.

Clause 9.2

Maximum Liability Cap

In any circumstances, 99ab's total liability will be limited to the actual balance held in the member's account. 99ab accepts no liability for indirect, incidental, or consequential losses.

Dispute Resolution

Clause 10.1

Complaint Submission Process

If you have a dispute or complaint, please contact 99ab's customer service team first. Available contact methods:

When submitting a complaint, please provide your account details, the relevant transaction ID, and a full description. Our team will review the matter promptly.

Clause 10.2

Dispute Resolution Policy

99ab will examine all disputes fairly and impartially. During the investigation, game logs, transaction records, and other relevant information will be reviewed. 99ab's decision will be considered final.

Please note: The relevant account and funds may be temporarily suspended during an investigation. This is done in the interest of a thorough review.

Commitment to Responsible Gaming

Clause 11.1

99ab's Commitment

99ab believes that gaming should be for entertainment purposes. We place responsible gaming at the core of our values. The platform provides various tools to protect members.

  • Deposit Limits: Set daily, weekly, or monthly deposit limits.
  • Self-Exclusion: Take a break from the platform for a set period of time.
  • Time Limits: Set a limit on how long you play each day.
  • Reality Check: Receive reminders at set intervals.
Clause 11.2

Problem Gaming

If you feel that gaming is having a negative impact on your financial life, family relationships, or mental health, please seek help. 99ab's customer service team is always ready to provide the support you need.

For more information on responsible gaming, visit our Responsible Gaming page.

Changes to Terms

Clause 12.1

Right to Update

99ab reserves the right to change, amend, or update these rules and terms and conditions at any time. For significant changes, members will be notified as far in advance as possible.

Continued use of the platform after any changes will be taken to mean that you have accepted the new terms and conditions. It is therefore recommended that you review this page regularly.

Date of Change: The "Last Updated" date at the top of this page always reflects the date of the current version.
Clause 12.2

Contact & Support

If you have any questions or need clarification regarding these terms and conditions, please contact our customer service team. 99ab's support team provides service 24/7 in both Bengali and English.

Email: [email protected] | Live Chat: Available 24/7.

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