to99 Terms & Conditions

Introduction

These Terms and Conditions ("T&C", "Terms", or "Agreement") constitute a legally binding agreement between you ("Player", "User", or "You") and to99 ("Platform", "We", "Us", or "Our") governing your access to and use of the to99 website, mobile platform, and all associated services including online casino games, sports betting, and related features. By registering an account, logging in, or in any way using the to99 platform, you confirm that you have read, understood, and agreed to be bound by these Terms in their entirety.

to99 reserves the right to modify these Terms at any time. Continued use of the platform following any amendment constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically. These Terms were last updated in January 2026 and supersede all previous versions.

Key Terms at a Glance

Definitions

The following terms carry the meanings set out below wherever they appear in these Terms and Conditions:

• "Account" means the personal account registered by a User on the to99 platform, used to access games, place wagers, and manage funds.
• "Balance" means the total amount of real-money funds held in a User's Account at any given time, excluding bonus funds unless stated otherwise.
• "Bonus Funds" means promotional credits awarded to a User's Account that are subject to wagering requirements before they may be converted to withdrawable real-money funds.
• "Wagering Requirement" means the total amount a User must wager using bonus funds before those funds become eligible for withdrawal, expressed as a multiplier of the bonus amount (e.g. 20x means wager twenty times the bonus value).
• "KYC" means Know Your Customer — the identity verification process to99 uses to confirm a User's identity and age prior to processing withdrawals.
• "Platform" means the to99 website, mobile browser interface, and all associated services and features accessible at to99.ws and any associated URLs.

1Eligibility and Account Registration

Eligibility Requirements

To register an account and use the to99 platform, you must meet all of the following eligibility conditions at the time of registration and on a continuing basis for as long as your account remains active:

• You must be at least 21 years of age. to99 is strictly an adult entertainment platform.
• You must be capable of entering into a legally binding agreement under the laws applicable to you.
• You must not be a resident of any jurisdiction in which online gambling is explicitly prohibited by law.
• You must register using your own true and accurate personal information. Registration using false, fictitious, or third-party information is strictly prohibited.
• You must not already hold an active to99 account. Only one account per person is permitted. Multiple accounts registered by the same individual are subject to immediate closure and forfeiture of balances.

KYC Verification

to99 is required to verify the identity of all account holders as part of its KYC obligations. KYC verification is mandatory before to99 will process any withdrawal request. You may be asked to provide one or more of the following documents:

• National ID Card (NID) or Passport — for proof of identity and age verification.
• Proof of address — a recent utility bill, bank statement, or government-issued document showing your current residential address in Bangladesh.
• Proof of payment method — screenshot or confirmation from your bKash, Nagad, or bank account confirming ownership of the payment method used to fund your to99 account.
• Any other documentation reasonably requested by to99 to satisfy its due diligence and anti-money-laundering (AML) obligations.

2Account Security and Responsibilities

You are solely responsible for maintaining the security and confidentiality of your to99 account credentials, including your username, password, and any verification codes sent to your registered mobile number. to99 shall not be held liable for any loss or damage arising from your failure to maintain account security. Specifically, you agree to the following obligations:

• You must never disclose your password or account credentials to any third party, including individuals claiming to represent to99 support. to99 will never ask for your password via SMS, email, phone call, or social media.
• You must notify to99 immediately via the contact email if you become aware of or suspect any unauthorised use of your account or any breach of account security.
• You must use a strong, unique password for your to99 account and must not reuse a password that you use for other services, websites, or applications.
• You must log out of your to99 account after each session, particularly when using a shared or public device. to99 accepts no liability for losses incurred where a third party gains access to your account due to your failure to log out.

to99 implements industry-standard SSL encryption across all platform communications. However, to99 cannot guarantee absolute security against all possible threats and you acknowledge that you use the platform at your own risk in respect of data security beyond what to99 reasonably controls.

3Deposits and Withdrawals

Deposits

to99 accepts deposits via the following payment methods available to Bangladesh players. All deposits are processed in Bangladeshi Taka (BDT) unless otherwise agreed. Minimum and maximum deposit amounts are displayed at the point of transaction and may be updated from time to time:

• Mobile banking: bKash, Nagad, Rocket, and Upay — deposits typically credit to your to99 balance within 60 seconds.
• Bank transfer: Dutch-Bangla Bank, BRAC Bank, City Bank, Islami Bank, Sonali Bank, and other supported Bangladeshi banks — processing times vary by bank but are typically completed within the same business day (Bangladesh Standard Time, UTC+6).
• to99 does not charge deposit fees . However, your payment provider (bKash, Nagad, bank, etc.) may apply their own transaction fees. to99 is not responsible for third-party payment provider fees.
• Deposits made using a payment method that does not match the verified account holder's name may be rejected or held pending KYC verification. to99 reserves the right to return deposits to the originating payment method if identity cannot be confirmed.

Withdrawals

Withdrawal requests are subject to the following conditions. to99 aims to process all eligible withdrawal requests promptly, subject to satisfactory completion of KYC verification and compliance with these Terms:

• KYC verification must be completed before your first withdrawal is processed. This is a firm requirement with no exceptions.
• Withdrawals will only be processed back to the same payment method used to make the most recent deposit, unless to99 approves an alternative in writing following a KYC review.
• Bonus funds that have not met their applicable wagering requirements are not eligible for withdrawal and will be forfeited if a withdrawal of real-money balance is requested before rollover is complete.
• to99 reserves the right to impose withdrawal limits, carry out enhanced due diligence checks, or delay processing where there are reasonable grounds to suspect fraudulent activity, money laundering, or a breach of these Terms.

4Bonuses and Promotions

to99 offers a range of bonuses and promotional offers to eligible players. All bonuses are subject to the specific terms attached to each offer, in addition to the general bonus terms set out in this section. In the event of any conflict between a bonus-specific term and these general Terms, the bonus-specific term shall prevail in respect of that bonus only.

General Bonus Terms

The following general conditions apply to all bonuses issued by to99 unless a bonus-specific term expressly states otherwise:

• Bonuses are intended for personal, recreational use only. Using bonuses in a systematic or professional manner designed to extract guaranteed profit (known as bonus abuse or bonus hunting) is strictly prohibited and will result in account suspension and forfeiture of bonus funds and any associated winnings.
• Each bonus offer may only be claimed once per eligible player unless the offer terms expressly permit multiple claims. Claiming the same bonus through multiple accounts constitutes a breach of these Terms.
• Bonus funds and real-money funds are tracked separately within your to99 account. Wagering requirements must be met before bonus-derived winnings become withdrawable. Specific wagering requirements are stated on each bonus offer page.
• to99 reserves the right to withdraw, amend, or cancel any bonus offer at any time without prior notice, subject to honoring bonuses already claimed by eligible players prior to any such change.
• Bonuses may not be transferred between accounts, exchanged for cash outside of applicable wagering requirements, or combined with other offers unless expressly permitted by the relevant offer terms.

Festival and Seasonal Promotions

to99 runs promotional campaigns tied to the Bangladesh cultural calendar, including Eid ul-Fitr, Eid ul-Adha, Pohela Boishakh (Bengali New Year), Victory Day, Independence Day, BPL cricket season, and other nationally significant occasions. Festival promotion terms are published at the time of each campaign launch and are incorporated into these Terms by reference. Players are encouraged to read individual promotion terms before participating.

5Gameplay Rules and Fair Use

All games available on the to99 platform are governed by game-specific rules published within the game interface itself, in addition to the following platform-wide gameplay standards:

• All slot and RNG-based game outcomes are determined by certified random number generator technology and are not influenced by previous results, account balance, bet size, or any action by to99 or its staff.
• Live casino games are operated by independent game studios including Evolution Gaming and Ezugi. Their studio rules and dealing procedures govern outcomes. to99 is not responsible for technical issues originating within the live studio environment.
• Sports betting markets and odds are set by to99 and are subject to change at any time prior to the market being closed or suspended. In-play markets may be suspended or voided in the event of technical failure, data feed interruption, or force majeure.
• In the event of a dispute regarding a game result or bet settlement, the decision of to99's management is final, subject only to the formal complaints procedure set out in these Terms. to99 will not accept disputes raised more than 30 days after the game result or bet settlement date.
• The use of automated betting software, bots, scripts, artificial intelligence tools, or any technology that provides an unfair advantage over other players or undermines the integrity of the platform is strictly prohibited.

Winnings derived from gameplay that to99 determines in good faith to have involved a technical error, software malfunction, or an obvious pricing error in sports odds may be voided by to99 in its reasonable discretion. In such cases, the original wager will be returned to the player's account.

6Responsible Gaming

to99 is committed to promoting responsible gaming among all players using the platform. The following responsible gaming tools and policies are part of the to99 platform as standard features available to all account holders:

• Deposit limits: you may set daily, weekly, or monthly deposit limits on your account. Once set, a limit reduction takes effect immediately. A limit increase requires a cooling-off period before taking effect.
• Session time limits: you may set a maximum session duration after which you will be automatically logged out, helping you maintain control over time spent on the platform.
• Self-exclusion: you may request a self-exclusion period of 1 month, 3 months, 6 months, 1 year, or permanent exclusion. During a self-exclusion period, your account will be suspended and you will not be able to log in or place wagers. Self-exclusion requests are irrevocable for their stated duration.
• Reality checks: periodic pop-up notifications reminding you of time spent on the platform during a session can be enabled from your account settings.

7Prohibited Conduct

The following conduct is strictly prohibited on the to99 platform and will result in immediate account suspension, forfeiture of funds, and may be reported to relevant authorities where applicable:

• Registering more than one account on the to99 platform, whether under your own identity or using false or third-party identities.
• Using automated software, bots, or scripts to place bets, generate gameplay patterns, or extract data from the to99 platform.
• Money laundering, whether involving depositing proceeds of crime, structuring transactions to avoid detection, or any other activity that involves the use of the to99 platform for the movement of illicit funds.
• Colluding with other players to manipulate game outcomes, share information in live dealer games, or coordinate betting patterns to exploit the platform.
• Providing false, misleading, or fraudulent information to to99 at any point, including during registration, KYC verification, or support interactions.
• Accessing the to99 platform for the purpose of gathering competitive intelligence, reverse-engineering platform functionality, or conducting security penetration testing without the express written permission of to99.

to99 reserves the right to determine, in its sole reasonable discretion, whether a player's conduct constitutes a breach of this section. Where a breach is determined, to99 will notify the player via their registered contact details and will set out the action taken, which may include permanent account closure and referral to law enforcement authorities in Bangladesh.

8Account Suspension and Termination

to99 reserves the right to suspend, restrict, or permanently terminate any player account in the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Failure to complete KYC verification within a reasonable period when requested.
• Suspected fraudulent activity, money laundering, or any other criminal conduct in connection with your use of the to99 platform.
• Your own request to close your account, submitted via the platform's account closure function or by contacting to99 support at [email protected].

Upon account termination, any real-money balance remaining in your account (net of applicable bonus amounts that have not met wagering requirements) will be returned to your verified payment method within a reasonable processing period, provided no fraud investigation is outstanding. If a fraud investigation is ongoing at the time of account closure, funds may be withheld pending the outcome of that investigation.

9Intellectual Property

All content on the to99 platform, including but not limited to software, game engines, graphics, logos, trademarks, page layouts, text content, promotional materials, and the to99 brand name and brand identity, is the exclusive property of to99 or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the to99 platform for personal, non-commercial recreational purposes only, subject to these Terms.

You may not copy, reproduce, adapt, distribute, modify, create derivative works from, publicly display, or commercially exploit any part of the to99 platform or its content without the prior written consent of to99. Unauthorised use of to99's intellectual property may give rise to civil and criminal liability.

10Limitation of Liability

To the fullest extent permitted by applicable law, to99's aggregate liability to you in connection with your use of the platform, whether arising in contract, tort, negligence, or otherwise, shall not exceed the total amount of real-money deposits made by you to to99 in the 30-day period immediately preceding the event giving rise to the claim. Specifically, to99 shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive losses or damages, including loss of profits, loss of data, loss of goodwill, or business interruption.
• Any loss arising from platform downtime, technical failures, internet connectivity issues, or circumstances beyond to99's reasonable control.
• Any loss arising from your reliance on information provided on the to99 platform that does not constitute gambling-specific advice tailored to your individual circumstances.

11Privacy and Data Protection

to99 processes your personal data in accordance with its Privacy Policy, which is incorporated into these Terms by reference and forms part of the agreement between you and to99. By accepting these Terms, you also accept the to99 Privacy Policy. The Privacy Policy sets out what data to99 collects, how it is used, how it is stored and protected, and your rights as a data subject. You can access the Privacy Policy at any time via the to99 website footer.

12Amendments to These Terms

to99 may amend, update, or replace these Terms and Conditions at any time by publishing a revised version on the to99 website. The revised Terms will take effect immediately upon publication unless a later effective date is stated. to99 will endeavour to notify registered players of material changes via the registered email address or a platform notification, but it is your responsibility to check these Terms periodically for updates.

Your continued use of the to99 platform following the publication of revised Terms constitutes your acceptance of those revised Terms. If you do not accept any revised Terms, you must stop using the platform and request account closure via [email protected].

13Governing Law and Disputes

These Terms and Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be subject to the laws applicable in the jurisdiction in which to99 operates. If you have a complaint or dispute regarding your use of the to99 platform, you should contact to99 customer support in the first instance at [email protected]. to99 will endeavour to resolve complaints within 14 business days of receipt. If you are not satisfied with to99's response, you may escalate the complaint using the procedure communicated to you by the support team at the time of your initial complaint.

14Contact Us

For questions, complaints, or requests relating to these Terms and Conditions, or for any other account-related matter, please contact the to99 support team using the email address below. The support team operates on Bangladesh Standard Time (UTC+6) and will respond to enquiries within 1 to 3 business days in most cases.