ze99 Terms & Conditions

01 Definitions

In these Terms & Conditions, the following terms shall have the meanings set out below unless the context requires otherwise:

• "ze99," "we," "us," or "our" refers to the operator of the ze99 platform at ze99.asia.
• "Player," "you," or "your" refers to any individual who has registered an account with ze99 or is otherwise using the ze99 platform.
• "Platform" refers to the ze99 website accessible at ze99.asia, including all games, betting markets, cashier functions, and account management features.
• "Account" refers to the personal gaming account created by a Player upon registration with ze99.
• "Real Money Balance" refers to PKR funds deposited into an Account and available for wagering and withdrawal.
• "Bonus Balance" refers to promotional funds credited to an Account that are subject to wagering requirements before withdrawal is permitted.
• "Wagering Requirement" refers to the number of times a Bonus Balance must be played through before it qualifies for conversion to the Real Money Balance.
• "KYC" refers to Know Your Customer identity verification procedures, including submission and confirmation of government-issued identification documents.
• "AML" refers to Anti-Money Laundering procedures required under ze99's operating licence.
• "Responsible Gaming Tools" refers to deposit limits, loss limits, session time reminders, cooling-off periods, and self-exclusion options available within the Account settings.

02 Acceptance of Terms

By accessing the ze99 Platform, creating an Account, making a deposit, or placing a bet, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety, together with ze99's Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

If you do not agree to any part of these Terms & Conditions, you must immediately cease use of the Platform and, if applicable, close your Account by contacting ze99 support.

ze99 reserves the right to amend these Terms & Conditions at any time. Amendments will be published on the Platform. If the amendment is material, ze99 will notify registered Players via SMS to their registered mobile number. Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms & Conditions.

03 Player Eligibility

To be eligible to open and use a ze99 Account, you must:

1. Be at least 21 years of age at the time of registration;
2. Be a natural person — corporate entities and non-human entities are not permitted to hold Accounts;
3. Have full legal capacity to enter into a binding agreement under the laws applicable to you;
4. Not be a resident of, or accessing the Platform from, a jurisdiction in which online gaming is explicitly prohibited by applicable law;
5. Not be a current employee, contractor, or immediate family member of an employee or contractor of ze99 or any of ze99's game suppliers;
6. Not be subject to a self-exclusion order with ze99 or any gaming operator participating in a shared self-exclusion programme.

Players are solely responsible for ensuring that their use of the Platform is lawful in their jurisdiction. ze99 does not represent or warrant that access to or use of the Platform is legal in every jurisdiction from which it is accessible.

04 Account Registration & Management

4.1 One Account Policy

Each Player may hold only one Account. The creation of multiple Accounts by the same individual — whether using the same or different personal details, payment methods, or devices — is strictly prohibited. ze99 reserves the right to close all Accounts associated with a Player found to hold multiple Accounts and to forfeit any balances held in those Accounts.

4.2 Accurate Registration Information

You must provide accurate, complete, and current information during registration, including your full legal name, date of birth, CNIC number, registered Pakistani mobile number, and current residential address. Providing false or misleading registration information is grounds for immediate Account closure and forfeiture of any balance.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your username and password. ze99 strongly recommends enabling two-factor authentication (2FA) on your Account. You must notify ze99 support immediately if you suspect that your Account credentials have been compromised. ze99 is not liable for losses arising from unauthorised access to your Account where you have failed to maintain adequate security of your credentials.

4.4 KYC Verification

ze99 is required to verify the identity of all Players before processing withdrawals. KYC verification requires submission of:

• A clear copy of your valid CNIC (both sides) or Passport;
• A recent utility bill or bank statement confirming your residential address (dated within the last three months);
• Where required, a copy of the payment method used for deposits (e.g., screenshot of JazzCash or EasyPaisa account details).

ze99 may request additional documentation at any time for AML compliance purposes. Failure to provide requested documentation within 14 days of the request may result in Account suspension.

4.5 Account Closure by Player

You may close your Account at any time by contacting ze99 support via live chat. Prior to closure, any pending bets will be settled according to their outcome and the resulting balance processed. Any Real Money Balance will be returned to the Player's verified payment method. Bonus Balances and associated winnings are forfeited upon voluntary Account closure.

05 Deposits

ze99 accepts deposits via the following payment methods available to Pakistani players:

• JazzCash (instant credit)
• EasyPaisa (instant credit)
• HBL bank transfer (processed within 24 hours)
• UBL bank transfer (processed within 24 hours)
• Meezan Bank transfer (processed within 24 hours)
• General interbank bank transfer (processed within 24 hours)

The minimum deposit amount is Rs 500. ze99 does not charge fees on deposits; however, your payment provider may apply their own transaction charges. ze99 bears no responsibility for delays caused by payment processors or third-party banking systems.

ze99 reserves the right to request evidence that a deposit has been made from the Player's own funds in compliance with AML obligations. ze99 does not accept deposits that it has reason to believe constitute proceeds of unlawful activity.

06 Withdrawals

Withdrawals may only be processed to payment methods registered in the Player's name. The minimum withdrawal amount is Rs 1,000. Withdrawals to verified JazzCash and EasyPaisa accounts are typically processed within 15 minutes. Bank transfer withdrawals are processed within 24 hours on business days.

All withdrawals are subject to satisfactory completion of KYC verification. ze99 reserves the right to suspend a withdrawal request pending additional identity or source-of-funds documentation. Where a withdrawal cannot be processed for compliance reasons, ze99 will notify the Player within 48 hours.

6.1 Withdrawal Conditions

Before processing a withdrawal, ze99 requires that:

• The Player's Account is fully KYC-verified;
• The Player has wagered their deposited funds at least once;
• Any active Bonus Balance has been separated from the Real Money Balance, with the Real Money Balance only being eligible for withdrawal;
• The withdrawal amount does not exceed any applicable daily or weekly withdrawal limits as set out in the Account settings.

6.2 Withdrawal Refusal

ze99 may refuse a withdrawal request where there are reasonable grounds to suspect fraud, money laundering, or breach of these Terms & Conditions. In such cases, ze99 may freeze the Account and cooperate with relevant authorities as required by law.

07 Bonuses & Promotions

ze99 offers various promotional bonuses to registered Players from time to time, including welcome bonuses, reload bonuses, free spins, and sports betting credits. All bonuses are subject to the specific terms displayed at the time of the offer, which supplement and form part of these Terms & Conditions.

7.1 General Bonus Rules

• Bonuses may only be claimed once per Player, household, IP address, device, or payment method unless the specific promotion states otherwise;
• Bonus funds must be wagered the stated number of times before any withdrawal of bonus-related winnings is permitted;
• ze99 reserves the right to withdraw a bonus offer at any time prior to it being claimed;
• Bonuses are non-transferable and have no cash value unless specifically stated;
• ze99 will not award bonuses on deposits made using certain payment methods where this is stated in the specific promotion's terms;
• Exploiting bonuses through low-risk or zero-risk bet combinations to complete wagering requirements is classified as bonus abuse and may result in the bonus and related winnings being voided.

7.2 Bonus Expiry

Unclaimed bonuses expire at the end of the promotional period stated in the offer. Claimed but unwagered bonuses expire 30 days after the date of crediting unless a shorter period is stated in the specific promotion. Upon expiry, the Bonus Balance and any related winnings are removed from the Account without compensation.

08 Gameplay Rules

All casino games available on the ze99 Platform are supplied by certified third-party game providers. Each game operates according to its own individual rules, which are accessible within the game interface. In the event of a discrepancy between a game's displayed result and ze99's server records, the server records shall prevail.

ze99 does not manipulate game outcomes. All games use certified Random Number Generator (RNG) technology audited by independent testing laboratories. Published Return to Player (RTP) percentages are accurate as certified by the relevant provider's independent testing laboratory.

8.1 Malfunctions

In the event of a technical malfunction that affects a game session, ze99 reserves the right to void the affected bets and return the staked amount to the Player's Account. ze99 is not liable for any winnings that would have been generated but for the malfunction.

8.2 Minimum and Maximum Stakes

Minimum and maximum bet limits apply to all games and are displayed within each game. ze99 reserves the right to impose individual stake limits on Accounts where irregular wagering patterns are detected.

09 Sports Betting Rules

Sports betting on the ze99 Platform is subject to the following general rules in addition to any sport-specific or market-specific rules displayed within the sportsbook:

• Bets are accepted at the odds displayed at the time the bet is placed and confirmed. ze99 is not obliged to honour bets placed at clearly erroneous odds caused by technical errors;
• In-play betting markets are suspended and settled based on official data feeds. ze99 is not responsible for delays in live odds updates caused by third-party data providers;
• Cricket bets, including PSL markets, are settled according to the official result declared by the relevant governing body. Matches abandoned without a result will be settled as void unless a result has been declared under the Duckworth-Lewis-Stern (DLS) method;
• ze99 reserves the right to void any bet suspected of having been placed with knowledge of irregular or corrupt activity affecting the relevant event;
• Maximum payout limits apply per event and per market. Limits are displayed in the sportsbook cashier.

10 Prohibited Conduct

The following actions are strictly prohibited on the ze99 Platform and may result in immediate Account suspension, permanent ban, and forfeiture of all Account balances:

• Providing false or misleading registration information;
• Opening more than one Account;
• Using automated software, bots, scripts, or artificial intelligence tools to access or operate the Platform;
• Engaging in match-fixing, spot-fixing, or any form of corrupt activity in connection with events offered for betting;
• Exploiting software bugs, errors, or vulnerabilities in the Platform for financial gain — such instances must be reported to ze99 support immediately;
• Using the Platform for money laundering, fraud, or any other unlawful financial activity;
• Colluding with other Players in live casino games;
• Engaging in bonus abuse as defined in Section 7 above;
• Making chargebacks on legitimate deposits;
• Attempting to circumvent responsible gaming tools, age verification, or KYC procedures.

11 Account Suspension & Closure by ze99

ze99 reserves the right to suspend, restrict, or close any Account at any time, with or without prior notice, in the following circumstances:

• Suspected breach of these Terms & Conditions;
• Failure to complete KYC verification within the required timeframe;
• Receipt of a chargeback from the Player's payment provider;
• Suspicion of fraudulent, abusive, or unlawful activity;
• A valid self-exclusion request submitted by the Player;
• Instruction from a relevant regulatory or law enforcement authority;
• Any other circumstance in which ze99 determines, in its reasonable discretion, that continued operation of the Account poses a risk to ze99, other Players, or the integrity of the Platform.

Where an Account is closed by ze99 due to a breach of these Terms & Conditions, ze99 reserves the right to withhold the Account balance pending investigation. Where it is determined that no breach has occurred, the balance will be returned to the Player's verified payment method within 10 business days.

12 Limitation of Liability

To the maximum extent permitted by applicable law, ze99's total liability to any Player arising out of or in connection with their use of the Platform shall not exceed the total amount deposited by that Player in the 12 months preceding the event giving rise to the claim.

ze99 is not liable for:

• Loss of profits, revenue, or anticipated savings;
• Loss of data or interruption to the Platform caused by events outside ze99's reasonable control, including internet outages, power failures, or acts of third-party service providers;
• Decisions made by Players based on game results, sports results, or information displayed on the Platform;
• Any tax liability incurred by a Player on winnings.

Nothing in these Terms & Conditions excludes or limits ze99's liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

13 Privacy & Data Protection

ze99 collects, processes, and stores personal data in accordance with its Privacy Policy, which is available at ze99.asia/privacy-policy. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

ze99 uses your personal data for the purposes of account management, identity verification, payment processing, fraud prevention, AML compliance, customer support, and, with your consent, marketing communications. ze99 does not sell personal data to third parties for their own marketing purposes.

14 Responsible Gaming

ze99 is committed to promoting responsible gambling. Players are required to use the Platform in a responsible manner. ze99 provides the following Responsible Gaming Tools, accessible from the Account settings dashboard:

• Deposit Limits: Daily, weekly, or monthly caps on the amount you can deposit. Increases to existing limits are subject to a 24-hour cooling-off period;
• Loss Limits: Daily, weekly, or monthly caps on the net amount you can lose;
• Session Time Reminders: Alerts notifying you of the duration of your current gaming session;
• Cooling-Off Period: A temporary restriction on account access for a period of 24 hours to 90 days;
• Self-Exclusion: A permanent or time-limited closure of your Account for periods of 30 days, 90 days, 1 year, or indefinitely. Self-exclusions cannot be reversed before the chosen period expires.

ze99 complies with responsible gaming obligations imposed by its international operating licence. Players who have self-excluded must not attempt to re-register or access the Platform during the exclusion period. ze99 will take reasonable technical steps to prevent self-excluded Players from accessing their Accounts; however, ze99 cannot guarantee detection of all attempts to circumvent a self-exclusion where a Player provides different personal information.

15 Governing Law & Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which ze99 is licensed to operate. Any dispute arising out of or in connection with these Terms & Conditions that cannot be resolved through ze99's internal complaints procedure shall be referred to the dispute resolution mechanism specified under ze99's operating licence.

15.1 Internal Complaints Procedure

If you have a complaint about ze99's services, you should first contact ze99 support via live chat, providing full details of your complaint. ze99 will acknowledge your complaint within 48 hours and aim to resolve it within 14 days. Where a complaint cannot be resolved within 14 days, ze99 will provide a written update explaining the delay.

15.2 Final Decision

If you are not satisfied with ze99's final response to your complaint, you may escalate the matter to the relevant dispute resolution body under ze99's operating licence. Details of the applicable dispute resolution body are available on request from ze99 support.

16 Contact Information

For all enquiries relating to these Terms & Conditions, your Account, or ze99's services generally, you may contact ze99 via:

• Live Chat: Available 24/7 within the Platform
• Email: [email protected]

Please do not share your Account password, CNIC number, or full payment method details in any communication with ze99 support. ze99 support staff will never ask for your password.

These Terms & Conditions were last updated on 1 January 2026. Previous versions are available on request from ze99 support.