joya Terms and Conditions — Complete User Agreement

These terms and conditions ("Terms") govern the legal relationship between the joya platform and you ("User"). By using the joya.cam website, completing registration, or using any service, you are considered to have accepted all of the terms below. If you do not agree with these terms, please refrain from using the platform.

1. Definitions and Interpretation

The following terms used in these conditions have specific meanings:

• "Platform" — The joya.cam website and all pages, services and applications under it.
• "User" / "You" — Any person who accesses, registers on, or uses the platform.
• "Account" — A personal user profile created through registration on the platform.
• "Balance" — The total amount of funds held in a user's account (real money and bonuses are tracked separately).
• "Bonus" — Additional credits or rewards granted by the platform for promotional purposes.
• "Bet" — An amount allocated from the balance to participate in a game or event.
• "KYC" (Know Your Customer) — The process of verifying a user's identity.

2. Eligibility and Registration

2.1 Age Requirement

Only individuals aged 21 or older may register on the joya platform and use its services. By registering, you confirm that you are at least 21 years of age. We may request relevant documents to verify your age at any time. We reserve the right to suspend an account if the required documents are not provided.

2.2 One Person, One Account

Each person may create only one account. If the same person operates multiple accounts, all accounts will be closed and the balances in them may be forfeited. Creating multiple accounts for fraudulent purposes is strictly prohibited.

2.3 Accuracy of Registration Information

All information provided at the time of registration must be fully accurate and up to date. We reserve the right to close an account if incorrect information is provided or information is withheld. If any of your details change, please inform us via live chat or email.

3. Account Management

3.1 Login Security

You are solely responsible for keeping your account password and login details completely confidential. You are responsible for any activity carried out from your account. If you suspect unauthorized access, notify our support team immediately.

3.2 KYC Verification

For withdrawals or transactions above a certain amount, joya may request the following documents for identity verification (KYC):

• Copy of National ID (NID) or passport
• Proof of current address (utility bill, bank statement)
• Confirmation of the payment method used

Withdrawals may be delayed until the KYC process is complete. This is a mandatory step for the protection of users.

3.3 Closing an Account

A user may request to close their account at any time via live chat or email. Any existing balance should be withdrawn before the account is closed.

4. Deposits and Withdrawals

4.1 Deposit

Funds can be deposited on the joya platform using the following methods: bKash, Nagad, Rocket and Upay. The minimum deposit amount for each method is ৳200. Deposited amounts are added to the account balance immediately. If you experience any issue during the deposit process, save your transaction ID and contact support.

4.2 Withdrawal

The minimum withdrawal amount is ৳500. Withdrawals can only be made using the same method that was used to deposit. For fully verified accounts, withdrawals are generally processed within 5–30 minutes. Withdrawals may be delayed if KYC verification is pending.

4.3 Transaction Rejection

We reserve the right to reject any deposit or withdrawal in cases of fraudulent activity, suspected money laundering, or breach of these terms. This decision is final and we are not obliged to provide an explanation.

5. Bonuses and Promotions

5.1 Welcome Bonus

New users will receive a 100% bonus on their first deposit up to a maximum of ৳20,000. Before withdrawing this bonus, a wagering requirement of at least 10 times must be completed. For example: if you deposit ৳1,000 you will receive ৳1,000 as a bonus, and you can withdraw once you have placed a total of ৳10,000 in bets.

5.2 Bonus Terms and Conditions

Bonus balance can only be used to place bets on the platform and cannot be withdrawn directly. Winnings earned from bonuses are not withdrawable until the wagering requirement is met. The following conditions apply:

• If the wagering requirement is not completed within the specified period from the date the bonus is received, the bonus will be cancelled.
• Multiple bonus offers may not apply at the same time.
• joya reserves the right to modify or cancel bonus offers.
• If a bonus is claimed for affiliate or fraudulent purposes, all bonuses and winnings will be cancelled.

5.3 Other Promotions

From time to time, joya offers special promotional offers, cashback and VIP rewards. Each offer will have its own terms and conditions, which will be detailed on the offer page.

6. Betting and Gameplay

6.1 Game Fairness

All games offered on joya are operated by accredited game providers and use certified random number generators (RNG). Results are completely impartial and not predetermined. Users have no means to interfere with or manipulate gameplay.

6.2 Technical Issues

If a game session is interrupted mid-way due to a technical fault, joya reserves the right to review the result of that round. joya will not be liable for losses caused by server or network issues.

6.3 Betting Limits

Each game or betting market has set minimum and maximum bet limits. These limits will be clearly stated on the game page. joya reserves the right to change betting limits for any user.

7. Prohibited Conduct

The following activities are strictly prohibited and may result in account termination and forfeiture of balance:

• Money laundering or depositing funds from illegal sources.
• Obtaining bonus or promotion benefits through fraudulent means.
• Using automated bots, scripts or software to operate games.
• Operating multiple accounts from the same device or IP address.
• Unauthorized access to another user's account.
• Cyber attacks or hacking attempts against the platform.
• Exploiting errors or vulnerabilities in the game system.
• Fraudulent collusion with other users.

8. Responsible Gaming

joya believes that gambling should be for entertainment purposes only. We are committed to responsible gaming and offer the following features:

• Deposit Limits: Users can set daily, weekly or monthly deposit limits.
• Self-Exclusion: You can temporarily close your account for a set period of time.
• Reality Check: A feature that reminds you of your gaming session at set intervals.
• Permanent Exclusion: You can request to be permanently excluded from the platform.

For help with any gambling-related issue, contact our 24/7 live chat support. For more details, visit our Responsible Gaming page.

9. Intellectual Property

All content on the joya platform — logos, designs, text, graphics, software and other elements — is the intellectual property of joya. No part of this content may be reused, reproduced or distributed without prior written permission. Software from third-party game providers (Pragmatic Play, Evolution Gaming, PG Soft, JILI, Spribe, etc.) is subject to the intellectual property rights of the respective companies.

10. Limitation of Liability

joya will bear no liability in the following circumstances:

• Losses in a game session due to disruption of the user's own internet connection.
• Financial losses resulting from unexpected technical failures.
• Payment delays by third parties (banks, mobile financial services).
• Losses resulting from a user sharing their login details with another person.
• Service interruption due to legal restrictions or government orders.

To the maximum extent permitted by applicable law, joya's total liability in any case will not exceed the amount of the transaction in question.

11. Privacy

The manner in which user personal data is collected, stored and used is described in detail in our Privacy Policy. By accepting these terms, you also consent to the privacy policy. We keep all data secure using SSL encryption and do not disclose information to third parties without authorization.

12. Changes to Terms

joya reserves the right to modify these terms at any time. Users will be notified of significant changes via email or through the platform. Continuing to use the platform after updated terms are published will be considered acceptance of the new terms. The latest version of the terms will always be available on this page.

13. Contact

If you have any questions or complaints about these terms, please contact us:

• Live Chat: 24/7 instant support (in Bengali)
• Email: [email protected]

We do not offer phone or WhatsApp support. For a faster resolution, please use live chat.