xo99 Terms and Conditions

1 General Provisions

1.1 Nature of the Agreement

These terms and conditions ("Terms") form a legally binding agreement between xo99 ("Company", "we", "us") and the user ("you", "member"). These Terms apply to the use of all xo99 services, games, promotions, and any part of the platform.

1.2 Supplementary Policies

In addition to these Terms, our Privacy Policy and Responsible Gaming Guidelines also apply to you. All of these documents together form the complete agreement between xo99 and you. In the event of any conflict, these Terms shall take precedence.

1.3 Applicable Law

These Terms are governed by applicable law. The xo99 platform is made available only in regions where online betting and casino services are legal. Users are solely responsible for ensuring they comply with the laws and regulations of their own jurisdiction.

2 Eligibility and Registration

2.1 Age Requirement

To open an account or use any service on xo99, you must be at least 21 years old. This platform is strictly prohibited for anyone under the age of 18. We are committed to the protection of minors.

2.2 Registration Requirements

When creating an account, you must confirm the following:

• All information provided is true, accurate, and up to date
• You are at least 21 years of age
• You are not registering from a country or region where this service is prohibited
• You are not subject to any prior ban from this service
• Each individual may create only one account

2.3 Identity Verification (KYC)

After registration, or upon exceeding certain thresholds, we may request a government-issued ID, proof of address, and other documents to confirm your identity. Withdrawals may be placed on hold until this process is completed.

3 Account Management

3.1 Account Security

It is your responsibility to keep your xo99 account password and login details completely confidential. Giving anyone else access to your account is not permitted. If you suspect any unauthorized access, contact our live chat support immediately.

3.2 One Account Policy

Only one account is permitted per individual, household, device, or IP address. Any attempt to create multiple accounts will result in all associated accounts being closed, and deposited funds and winnings may be forfeited.

3.3 Account Closure

You may request to close your account at any time via live chat. xo99 also reserves the right to suspend or permanently close an account for the following reasons:

• Violation of the terms and conditions
• Suspicion of fraud
• Suspicion of money laundering
• Providing false information
• Attempting to access the platform from a prohibited region

4 Deposits and Withdrawals

4.1 Accepted Payment Methods

xo99 currently accepts the following payment methods: bKash, Nagad, Rocket, Upay, and bank transfer. The list of available payment methods may change as needed.

4.2 Deposit Terms

Deposited funds must come from your own personal account. Deposits from third-party accounts or sources are not accepted. Suspicious transactions may be temporarily held for investigation.

4.3 Withdrawal Terms

Before a withdrawal request is processed, please ensure:

• Your account verification (KYC) has been completed
• If there is an active bonus, the wagering requirements have been met
• Priority will be given when the deposit method and withdrawal method are the same
• Withdrawal timings are calculated according to Bangladesh Standard Time (BST, UTC+6)

4.4 Transaction Verification

xo99 may request additional verification documents for any transaction. If a transaction is declined, the relevant funds will be returned to your account.

5 Bonuses and Promotions

5.1 Welcome Bonus

New members will receive a 100% bonus up to ৳8,000 on their first deposit. To receive this bonus, an eligible amount must be deposited after registration. The bonus will be credited to the account automatically.

5.2 General Bonus Terms

• Each promotion can only be claimed once per member
• Bonus funds cannot be withdrawn directly — they become withdrawable only after the wagering requirements are met
• Accepting a new bonus while another bonus is active may result in the previous bonus being cancelled
• If bonus abuse or strategic betting (arbitrage) is detected, the bonus will be cancelled
• All bonuses are valid for a set period — the time limit will be stated in each offer

5.3 VIP Program

xo99's VIP program has four tiers. Each tier offers a weekly cashback benefit:

• Bronze — weekly cashback up to 0.2%
• Silver — weekly cashback up to 0.5%
• Gold — weekly cashback up to 0.8%
• Platinum — weekly cashback up to 1.0%

You can advance to higher tiers through regular play and staying active on the platform. VIP tier benefits are subject to change and xo99 will notify members accordingly.

6 Gaming Rules

6.1 Fairness of Game Outcomes

All game outcomes on xo99 are determined through a neutral Random Number Generator (RNG) technology. Game providers (Pragmatic Play, JILI, PG Soft, Spribe, Evolution Gaming, Ezugi, and others) follow their own fairness policies.

6.2 Betting Limits

The minimum and maximum betting limits for each game are displayed within the game itself. Specific betting limits may apply when using a bonus — please refer to the bonus terms and conditions.

6.3 Technical Issues

If a game is left incomplete due to an internet disconnection or technical issue, the state of the game will be determined according to the server logs. The game provider's decision will be considered final.

6.4 Live Betting

When betting on live cricket or other sports, markets may be suspended or cancelled — particularly due to team announcements, injuries, or weather conditions. In such cases, xo99's decision is final.

7 Prohibited Activities

The following activities are strictly prohibited and subject to penalties:

• Creating or operating multiple accounts
• Coordinated betting for the purpose of bonus abuse
• Money laundering or illegal financial transactions
• Attempting to breach platform security
• Using software or automation to gain an unfair advantage
• Operating an account under a false identity
• Depositing or withdrawing from third-party accounts
• Abusive behavior toward xo99 staff

If such activities are detected, the account will be permanently closed, the balance may be forfeited, and applicable legal action may be taken.

8 Limitation of Liability

8.1 Liability for Financial Loss

Any financial loss resulting from participation in gaming is entirely the member's own responsibility. xo99 is not liable for the outcome of any bet. The company's liability for proven losses caused by technical errors will be limited.

8.2 Service Interruptions

The service may be temporarily unavailable due to maintenance, upgrades, or unforeseen circumstances. xo99 is not obligated to provide compensation for such periods. We will make every effort to give advance notice before significant maintenance.

8.3 Third-Party Services

xo99 is not directly liable for failures by game providers, payment gateways, or other third-party services. However, in such situations we will cooperate fully to find a resolution.

9 Privacy and Security

xo99 is committed to protecting your personal information. We use SSL encryption technology and your information will never be sold to third parties. Full details on how data is collected and used can be found in our Privacy Policy.

• Your financial information is transmitted through secure encryption
• Passwords are never stored directly — they are kept in hashed form
• Information may be provided to authorities due to legal obligations
• Transactions are monitored in compliance with Anti-Money Laundering (AML) policy

10 Responsible Gaming

xo99 is deeply committed to responsible gambling. Gaming is a form of entertainment — it should not be used as a source of income. We advise members to set their own limits before playing.

• Set a deposit limit and stay within your budget
• Avoid placing large bets to recover losses
• Do not bet when you are under stress or have been drinking
• If you feel there is a problem, seek help — the support team is always there for you

11 Changes to Terms

xo99 reserves the right to update or change these terms and conditions at any time. For important changes, we will notify members by email or via a notification on the platform.

If you continue using the platform after any changes, you will be considered to have agreed to the updated terms. We therefore recommend visiting this page regularly.

12 Dispute Resolution

12.1 Complaint Process

For any dispute or complaint, please first contact our 24/7 live chat support or email us at ([email protected]). We will work to resolve the issue as quickly as possible.

12.2 Resolution Steps

• Step 1: Speak directly with support via live chat
• Step 2: Send a detailed complaint by email — [email protected]
• Step 3: Submit a request for a formal review

12.3 Final Decision

In all disputes, the decision of xo99 shall be considered final and binding, unless a legal authority directs otherwise. We are committed to resolving all disputes through a fair and transparent process.