ao99 Terms & Conditions

By accessing, browsing, or using the ao99 website located at ao99.io (the "Platform"), whether as a guest or a registered user, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, together with the ao99 Privacy Policy and Responsible Gaming Policy, each of which is incorporated herein by reference.

These Terms & Conditions apply to all visitors, users, and registered players of the ao99 platform. Use of the platform constitutes your full acceptance of these terms. If you are accessing the platform on behalf of a third party, you represent that you have authority to bind that party to these terms.

ao99 reserves the right to update, revise, or replace any part of these Terms & Conditions at any time. The most current version will always be available at ao99.io/terms-conditions. Your continued use of the platform following any amendment constitutes acceptance of the revised terms. It is your responsibility to review these terms periodically.

To register and maintain an account on ao99, you must satisfy all of the following eligibility conditions at the time of registration and at all times thereafter:

1. Age: You must be at least 21 years of age. ao99 is strictly an adults-only platform. Players under the age of 21 are prohibited from registering, depositing, or participating in any game or betting activity on the platform. ao99 actively enforces age verification and reserves the right to request documentary proof of age at any time.
2. Legal Capacity: You must have full legal capacity to enter into a binding agreement. You must not be under any legal restriction that prevents you from engaging in online gaming or sports betting activities.
3. Single Account: You may only hold one (1) registered account on ao99 at any time. The registration of multiple accounts by the same individual is strictly prohibited and will result in the suspension of all associated accounts and the forfeiture of any balances held therein.
4. Accuracy of Information: All information provided during registration must be accurate, complete, and current. ao99 will not be responsible for any loss or inconvenience arising from inaccurate registration details provided by the player.
5. Not a Restricted Person: You must not be an employee, director, officer, consultant, contractor, or close family member of ao99 or any of its affiliated companies, game providers, or technology partners.

ao99 reserves the right to decline registration or suspend an account where it reasonably believes that any eligibility condition has not been met or has ceased to be met.

To access the full features of ao99 — including placing wagers, making deposits, and claiming bonuses — you must register a player account. Registration is free and requires you to provide your full legal name, date of birth, email address, mobile number, and a secure password.

You are solely responsible for maintaining the security and confidentiality of your account credentials, including your username and password. You must not share your login details with any other person. Any activity conducted through your account, whether authorised by you or not, is your sole responsibility. ao99 shall not be liable for any loss arising from the unauthorised use of your account credentials.

If you suspect that your account has been accessed without your authorisation, you must notify ao99 immediately by contacting support at [email protected]. ao99 will take reasonable steps to investigate and, where appropriate, temporarily freeze the account pending investigation.

ao99 will never request your password by email, live chat, telephone, or any other communication channel. Any communication purportedly from ao99 requesting your password should be treated as fraudulent and reported to the support team immediately.

ao99 operates a Know Your Customer (KYC) verification process in accordance with its obligations as a responsible online gaming platform. ao99 reserves the right to request identity verification documents from any player at any time, including but not limited to:

• A valid government-issued photo identification document (National ID card, passport, or driving licence)
• Proof of address (utility bill, bank statement, or official correspondence dated within the past three months)
• Proof of payment method ownership (screenshot of bKash or Nagad account registered in the player's name)
• Source of funds documentation where transaction volumes warrant additional scrutiny

Withdrawal requests may be held pending successful completion of KYC verification. ao99 reserves the right to withhold funds where KYC documentation has not been provided within a reasonable timeframe or where the documentation provided is insufficient or potentially fraudulent.

All KYC documents submitted to ao99 are treated as confidential and are handled in accordance with the ao99 Privacy Policy. ao99 will not share your personal documentation with any third party except where required to do so by applicable law or in connection with fraud prevention activities.

ao99 accepts deposits via the following payment methods available to Bangladesh-based players: bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank (DBBL), City Bank, BRAC Bank, Islami Bank, and Sonali Bank. All transactions on the ao99 platform are processed in Bangladeshi Taka (BDT, ৳).

The minimum deposit amount is ৳500. There is no maximum deposit limit imposed by ao99, although individual payment providers may impose their own transaction limits. Deposits via bKash and Nagad are typically credited to the player's account within 60 seconds of a successful transaction. Bank transfer deposits may take longer depending on the processing times of the relevant financial institution.

ao99 does not charge any platform-side fees on deposits. However, players should be aware that their payment provider may apply its own transaction fees or service charges. ao99 is not responsible for any fees charged by third-party payment providers.

ao99 only accepts deposits made by the registered account holder. Deposits from third-party payment sources — including payment methods registered in another person's name — are not permitted. Any third-party deposit detected may result in the funds being returned and the account being subject to review.

ao99 reserves the right to reverse or withhold a deposit where it has reasonable grounds to suspect fraud, money laundering, or a violation of these Terms & Conditions. In such cases, ao99 will contact the player and, where appropriate, request supporting documentation before making any determination.

Players may request a withdrawal of their available balance at any time, subject to the conditions set out in this section. The minimum withdrawal amount is ৳500. ao99 does not impose a maximum single-withdrawal limit for standard account holders; however, ao99 reserves the right to apply withdrawal thresholds in certain circumstances and will communicate these to affected players directly.

Withdrawals are processed to the same payment method used for the most recent qualifying deposit wherever technically possible. Withdrawals to bKash and Nagad are typically completed within 1–3 hours of the request being approved. Withdrawals to bank accounts may take 1–3 business days depending on the receiving financial institution's processing schedule.

ao99 charges no platform fees on standard withdrawals. Before a withdrawal request can be approved, the player's account must have completed the KYC verification process. Additionally, any active bonus funds must comply with their applicable wagering requirements before bonus-derived winnings may be included in a withdrawal request.

ao99 reserves the right to delay, withhold, or decline a withdrawal request where it suspects fraudulent activity, account misuse, a violation of these terms, or where additional verification is required. In all such cases, ao99 will contact the player within a reasonable timeframe to explain the action taken and the steps required to resolve the matter.

ao99 offers a range of bonuses and promotional offers to both new and existing players. Each promotion is governed by specific terms and conditions that are communicated at the time the offer is made. Players are responsible for reading and understanding the terms of any promotion before opting in or making a qualifying deposit.

General conditions that apply to all ao99 bonuses unless specifically stated otherwise include:

• Bonuses are available to eligible registered players only and may not be claimed more than once per household, IP address, or payment method.
• Bonus funds are credited to a separate bonus balance and are subject to wagering requirements before they can be converted to withdrawable real-money funds.
• Bonuses have an expiry period, specified at the time of the offer. Any unwagered bonus funds remaining at the expiry date will be automatically forfeited.
• ao99 reserves the right to withdraw, amend, or cancel any bonus or promotion at any time without prior notice, provided that this does not adversely affect the active wagering progress of players who have already claimed the offer.
• Bonuses may not be transferred between player accounts or exchanged for cash outside of the standard wagering and withdrawal process.
• ao99 reserves the right to reclaim any bonus funds or bonus-derived winnings where it determines that a player has abused the bonus system, exploited an error, or acted in bad faith.

Wagering requirements specify the total amount that must be wagered using bonus funds (and in some cases the qualifying deposit) before any winnings derived from those funds can be withdrawn. The wagering requirement applicable to each bonus is stated clearly in the individual promotion terms.

For example: if a player receives a ৳1,000 bonus subject to a 20x wagering requirement, the player must place qualifying wagers totalling ৳20,000 before the bonus balance becomes eligible for withdrawal. The contribution of each game type towards the fulfilment of wagering requirements may vary and is stated in the promotion-specific terms.

In general, live casino games and sports bets may contribute differently to wagering requirements than slot games. Players should review the specific contribution percentages for each game category as stated in the applicable promotion terms before selecting games to fulfil their wagering obligations.

Wagers placed on prohibited games or markets, or wagers placed using real-money funds when a bonus is active, may not count towards the fulfilment of wagering requirements. ao99 reserves the right to void bonus-derived winnings where it determines that wagering requirements have been fulfilled through irregular or abusive play patterns.

ao99's game library is powered by internationally licensed and certified third-party game providers, including Evolution Gaming, Pragmatic Play, Pragmatic Play Live, NetEnt, Microgaming, Ezugi, Spribe, and others. All games use certified random number generator (RNG) technology and are subject to independent testing and certification by the respective providers and applicable regulatory bodies.

Each game available on ao99 is governed by its own set of game rules, which are made available within the game interface. Players are responsible for familiarising themselves with the rules of each game before placing real-money wagers. ao99 is not responsible for losses arising from a player's failure to understand the rules of a game.

In the event of a technical error, malfunction, or disconnection during gameplay, the following principles apply:

• Where a game round has not been completed due to a technical failure, ao99 will make reasonable efforts to reconstruct the game state from server logs and resolve the round fairly.
• Wagers placed on an interrupted game round will be refunded to the player's account where the round cannot be completed and the outcome cannot be determined.
• ao99 is not liable for losses arising from player-side technical failures, including internet disconnection, device malfunction, or browser incompatibility.
• In the event that a game pays out at incorrect odds due to a software error, ao99 reserves the right to void the affected round and refund the stake, even where the payout has already been credited.

The following activities are strictly prohibited on the ao99 platform. Engaging in any prohibited activity may result in the immediate suspension or permanent closure of your account, the forfeiture of all balances held therein, and, where appropriate, referral to relevant authorities.

1. Fraud and Misrepresentation: Providing false, inaccurate, or misleading information during registration or at any point during account operation, including submitting fraudulent identity or payment documents.
2. Multiple Accounts: Registering or operating more than one account on the ao99 platform, whether under your own name or any alias, with the intent to claim multiple bonuses or circumvent account restrictions.
3. Bonus Abuse: Systematically exploiting bonus offers, wagering requirements, or promotional mechanics in a manner that is contrary to the spirit of the offer and that constitutes bad-faith participation.
4. Collusion: Cooperating or conspiring with other players to gain an unfair advantage in any game or betting market, including but not limited to chip dumping in poker or coordinated betting on live casino games.
5. Software Exploitation: Using bots, automated scripts, artificial intelligence tools, or any other software designed to gain an advantage over other players or over the house in any game.
6. Charge-backs: Initiating unjustified payment reversals or charge-backs through a payment provider in relation to legitimate ao99 transactions. Any charge-back will result in immediate account suspension and recovery action.
7. Money Laundering: Using the ao99 platform for any activity that constitutes or facilitates money laundering, the financing of terrorism, or any other financial crime. ao99 cooperates fully with law enforcement and financial intelligence authorities in connection with any suspected financial crime.
8. Underage Use: Allowing or facilitating access to the ao99 platform by any person under the age of 21, including sharing your account credentials with a minor.

ao99 reserves the right to suspend, restrict, or permanently close a player account at any time and without prior notice where it has reasonable grounds to believe that:

• The player has breached any provision of these Terms & Conditions
• The player's account activity constitutes fraud, money laundering, or any other illegal activity
• The player has provided false or misleading registration or verification information
• Continued operation of the account would expose ao99 or third parties to regulatory, financial, or reputational risk
• The player has registered multiple accounts on the platform

In cases where an account is closed for reasons other than a breach of these terms (for example, at the player's own request or as a result of a responsible gaming self-exclusion), any remaining real-money balance will be returned to the player via the most recent qualifying withdrawal method, after deducting any applicable bonus funds that do not meet the minimum withdrawal criteria.

Players may close their ao99 account at any time by contacting the support team at [email protected]. Account closure requests will be processed within five (5) business days. During the processing period, the account may be temporarily restricted to prevent further deposits or wagering activity.

All content available on the ao99 platform — including but not limited to the ao99 brand name, logo, website design, interface layout, graphics, text, software, game content, and promotional materials — is the intellectual property of ao99 or its licensed content providers and is protected by applicable intellectual property laws.

No part of the ao99 platform may be copied, reproduced, distributed, republished, transmitted, displayed, modified, or sold without the prior written consent of ao99. Game content provided by third-party studios (including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Ezugi, and Spribe) remains the exclusive intellectual property of the respective studio and is licensed to ao99 for display on the platform.

Players are granted a limited, non-exclusive, non-transferable licence to access and use the ao99 platform for personal entertainment purposes only. This licence does not grant any right to use the ao99 brand, logo, or any platform content for commercial purposes.

To the fullest extent permitted by applicable law, ao99, its officers, directors, employees, agents, affiliates, and technology partners shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the ao99 platform
• Any loss of winnings, profits, revenue, data, goodwill, or other intangible losses, whether or not ao99 has been advised of the possibility of such losses
• Any service interruption, technical failure, platform downtime, or data loss caused by factors outside ao99's direct control, including server outages, internet connectivity failures, or third-party provider issues
• Any losses arising from your reliance on information, odds, or statistics published on the ao99 platform that subsequently prove to be inaccurate

Nothing in these Terms & Conditions shall exclude or limit ao99's liability for death or personal injury caused by ao99's gross negligence, or for fraud or fraudulent misrepresentation. ao99's total aggregate liability to any player in respect of any claim arising out of or in connection with these terms shall not exceed the total net deposits made by that player in the twelve (12) months immediately preceding the date of the claim.

ao99 is firmly committed to responsible gaming and to providing a safe, controlled, and transparent environment for all players. The ao99 platform is intended solely for entertainment purposes and must not be used as a means of generating income or resolving financial difficulties. Gambling involves financial risk, and players should only wager amounts they can afford to lose.

ao99 provides the following responsible gaming tools, accessible directly from the player account dashboard:

• Deposit Limits: Set daily, weekly, or monthly deposit caps to control your spending.
• Session Time Reminders: Receive notifications after a specified period of continuous gaming activity.
• Cooling-Off Period: Take a short break from gaming activity for a defined period (24 hours to 30 days) without permanently closing your account.
• Self-Exclusion: Permanently or temporarily exclude yourself from the ao99 platform. Self-exclusion requests are processed promptly and cannot be reversed for the duration of the exclusion period.

If you feel that your gambling behaviour has become problematic, or if you are concerned about another person's gambling, please contact the ao99 support team at [email protected] for guidance and assistance. ao99 supports the 21+ age restriction absolutely and takes its obligations to protect vulnerable players with the utmost seriousness. For a full explanation of ao99's responsible gaming commitments, please visit the Responsible Gaming page.

ao99 collects, processes, and stores personal data in accordance with its Privacy Policy, which is incorporated by reference into these Terms & Conditions. By registering an account on ao99, you consent to the collection and use of your personal data as described in the Privacy Policy.

ao99 does not sell, rent, or trade your personal data to unaffiliated third-party advertisers or marketing entities. Personal data may be shared with payment processors, KYC verification providers, game studios, fraud prevention services, and regulatory authorities solely to the extent necessary to provide the ao99 service and fulfil applicable legal obligations.

All personal data transmitted to and from the ao99 platform is protected using SSL/TLS encryption. ao99 maintains appropriate technical and organisational security measures to protect personal data against unauthorised access, accidental loss, destruction, or disclosure.

ao99 reserves the right to amend, update, or replace these Terms & Conditions at any time. Where an amendment materially affects the rights or obligations of existing registered players, ao99 will endeavour to provide reasonable notice of the change via email or a prominent notice on the platform before the amendment takes effect.

The effective date of the current version of these Terms & Conditions is stated at the top of this document. Your continued use of the ao99 platform following the effective date of any amendment constitutes your acceptance of the revised terms. If you do not agree with any amendment, you must cease using the platform and may request account closure by contacting the support team.

These Terms & Conditions shall be governed by and construed in accordance with applicable international online gaming regulations. ao99 operates as an international online gaming platform. Nothing in these terms shall be construed as ao99 making any claim as to the legality of online gaming in any specific jurisdiction.

Players are solely responsible for determining whether accessing or using the ao99 platform is lawful in their jurisdiction. ao99 does not warrant or represent that the platform is available for legal use in any particular country or region. By accessing the platform, you confirm that you have satisfied yourself that your use of ao99 is lawful in your jurisdiction.

Any dispute arising out of or in connection with these Terms & Conditions that cannot be resolved through good-faith negotiation between the player and ao99 shall be submitted to binding arbitration under internationally recognised arbitration rules. The language of arbitration proceedings shall be English.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or any aspect of the ao99 platform, please contact the ao99 support team using the following details:

• Email (plain text — not a clickable link): [email protected]
• Support Hours: 24 hours a day, 7 days a week, including public holidays
• Support Language: English
• Operating Time Zone: Bangladesh Standard Time (BST, UTC+6)

ao99 aims to acknowledge all support queries within 24 hours and to resolve all disputes within a reasonable timeframe. Players with complaints that cannot be resolved through direct contact with the ao99 support team are encouraged to seek independent dispute resolution assistance.