fi99 Terms & Conditions

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

By accessing fi99.club, creating an account, depositing funds, or placing any bet or wager on the fi99 platform, you unconditionally accept these Terms & Conditions in their entirety, together with the fi99 Privacy Policy and Responsible Gaming Policy, which are incorporated herein by reference and form an integral part of the agreement between you and fi99.

If you do not agree with any provision of these Terms & Conditions, you must immediately cease using the fi99 platform and must not register an account. Continued use of the platform after any update to these Terms & Conditions constitutes acceptance of the revised terms.

These Terms & Conditions constitute a legally binding agreement. fi99 recommends that all Players print or save a copy of this document for their personal records at the time of registration. The current version is always accessible via the fi99 footer navigation under "Terms & Conditions".

3.1 Minimum Age. fi99 strictly enforces an 18+ age restriction on all account registrations and all uses of the platform. You must be at least 18 years of age to register a fi99 account, to deposit funds, to place any wager, or to access any game. By registering, you confirm and warrant that you are 18 years of age or older.

3.2 Age Verification. fi99 may, at its sole discretion, require documentary proof of age at any point — including at registration, before processing a withdrawal, or following any suspicious activity indicator. Acceptable documents include a valid National Identity Card (NID), valid passport, or other government-issued photo identification showing date of birth. fi99 reserves the right to suspend an account and withhold any funds pending successful age verification.

3.3 Geographic Eligibility. fi99 primarily serves adult players located in Bangladesh. You are solely responsible for ensuring that accessing and using the fi99 platform complies with the laws of your jurisdiction of residence. fi99 makes no representation that the platform is legal, licensed, or accessible in any specific jurisdiction. If using fi99 is contrary to local laws in your location, you must not register or continue to use the platform.

3.4 Single Account Rule. Each individual Player is permitted to hold only one fi99 account. Opening multiple accounts — whether under the same identity or under different names — constitutes a violation of these Terms & Conditions and may result in the permanent suspension of all associated accounts and the forfeiture of all balances therein.

3.5 Excluded Persons. The following individuals are not eligible to register or maintain a fi99 account: (a) persons under 18 years of age; (b) persons who have previously been self-excluded from fi99 or any affiliated platform during an active self-exclusion period; (c) persons who have been permanently banned from fi99 for violations of these Terms & Conditions; (d) employees, contractors, directors, or agents of fi99 or its technology and payment partners, together with their immediate family members residing in the same household.

4.1 Registration Requirements. To open a fi99 account, you must provide accurate, complete, and current information at the time of registration. Required information includes your full legal name, date of birth, valid Bangladeshi mobile number, and a chosen password. You must not impersonate any other person or use false identity information at any stage of the registration process.

4.2 Account Credentials. You are solely responsible for maintaining the confidentiality of your fi99 account username and password. You must not share your login credentials with any third party. fi99 will not be liable for any loss or damage arising from unauthorised access to your account resulting from your failure to keep your credentials secure.

4.3 Two-Factor Authentication. fi99 offers two-factor authentication (2FA) via SMS one-time password (OTP) to your registered Bangladeshi mobile number. Players are strongly encouraged to enable 2FA on their account. When 2FA is active, every login requires both your password and a time-limited OTP code sent to your registered mobile number, significantly reducing the risk of unauthorised access.

4.4 Account Information Updates. You are responsible for keeping your account information up to date. If any of your registration details change — including your mobile number or payment method details — you must update your account profile promptly or contact [email protected] to request an update. Failure to maintain accurate account information may delay withdrawal processing or trigger additional KYC requirements.

4.5 Account Security Obligations. You must notify fi99 immediately at [email protected] if you become aware of or suspect any unauthorised access to your account, any breach of your login credentials, or any suspicious transactions or activity on your account. fi99 may temporarily suspend an account pending investigation of a security incident at its sole discretion, without liability to the Player.

5.1 Accepted Payment Methods. fi99 accepts deposits and processes withdrawals via the following payment methods: bKash, Nagad, Rocket (Dutch-Bangla Bank), Upay, and direct bank transfer to and from accounts held at City Bank, BRAC Bank, Islami Bank, Sonali Bank, and Dutch-Bangla Bank (DBBL). All transactions are denominated in Bangladeshi Taka (৳). fi99 does not accept cryptocurrency, international credit card payments, or transfers from payment methods not listed in your account profile.

5.2 Minimum Deposit. The minimum deposit amount per transaction is ৳500. fi99 reserves the right to adjust minimum deposit thresholds for specific payment methods or promotional periods, with notice provided in the relevant promotional terms or the account deposit interface.

5.3 Deposit Processing. Deposits made via bKash, Nagad, Rocket, and Upay are typically credited to your fi99 Real Money Balance within 60 seconds of successful payment confirmation. Bank transfer deposits may take up to one (1) business day to credit, subject to the processing schedules of Bangladeshi banking institutions. fi99 is not responsible for delays caused by third-party payment processors or banking systems outside its control.

5.4 Withdrawal Requests. Withdrawal requests are processed to the same payment method used for the Player's most recent qualifying deposit, subject to KYC verification being complete. The minimum withdrawal amount is ৳1,000. fi99 aims to process approved withdrawal requests to bKash, Nagad, and Rocket wallets within the same session where possible, and within twenty-four (24) hours in all ordinary circumstances.

5.5 KYC and Withdrawal Holds. fi99 may place a temporary hold on any withdrawal pending completion of KYC documentation review. Players who have not previously submitted identity verification documents may be required to provide a copy of their National Identity Card (NID) or passport and a payment method confirmation before their first withdrawal is approved. fi99 undertakes to complete KYC reviews within forty-eight (48) hours of receiving complete documentation.

5.6 No Third-Party Payments. fi99 strictly prohibits deposits from or withdrawals to payment accounts that are not registered in the Player's own legal name. Any transaction identified as originating from or directed to a third-party payment account will be reversed. Associated accounts may be suspended pending investigation, and any winnings generated from third-party funds may be voided.

5.7 Currency and Fees. fi99 does not charge transaction fees for standard deposits or withdrawals. However, your mobile financial service provider (bKash, Nagad, Rocket, Upay) or bank may apply their own service charges, which are outside fi99's control and are the sole responsibility of the Player.

6.1 General Bonus Conditions. All bonuses, free bets, cashback offers, and promotional credits offered by fi99 are subject to specific wagering requirements and terms published at the time the promotion is made available. In the event of any conflict between a specific promotion's terms and these general Terms & Conditions, the specific promotion terms shall prevail for that promotion only.

6.2 Wagering Requirements. Unless otherwise stated in a specific promotion's terms, bonus funds credited to a Player's account must be wagered a minimum of twenty times (20x) the bonus amount before any associated winnings become eligible for withdrawal. For example, a ৳500 bonus requires ৳10,000 in total qualifying wagers before withdrawal eligibility is established.

6.3 Game Contribution Rates. Not all games contribute equally toward satisfying wagering requirements. Live casino table games (baccarat, roulette, blackjack) typically contribute at 10% of each wager toward the requirement. Slots typically contribute at 100%. fi99 will publish applicable contribution rates within each promotion's specific terms. Bets placed on games with 0% contribution do not count toward wagering requirements under any circumstance.

6.4 Bonus Abuse. fi99 operates a zero-tolerance policy toward bonus abuse. This includes but is not limited to: opening multiple accounts to claim the same promotion more than once; using arbitrage strategies or low-risk coverage betting patterns specifically to exploit a bonus offer; colluding with other Players to jointly exploit promotional terms. fi99 reserves the right to void any bonus and associated winnings, and to suspend or permanently close any account found to be engaged in bonus abuse.

6.5 Bonus Expiry. Unless stated otherwise in the promotion-specific terms, bonus funds that remain unused and associated wagering requirements that remain unsatisfied for a period of thirty (30) calendar days from the date of bonus credit will expire automatically. Expired bonus funds and any associated winnings will be removed from the Player's account without further notice.

6.6 fi99's Right to Withdraw Offers. fi99 reserves the right to withdraw, modify, or discontinue any bonus or promotion at any time with reasonable notice. Any wagering requirements already in progress at the time of withdrawal of a promotion will be honoured under the terms applicable at the time the bonus was credited.

7.1 Game Rules. Each game available on the fi99 platform — whether a live casino table game, a slot title, an arcade game, or a sports betting market — is subject to its own specific rules as provided by the relevant game provider (including Evolution Gaming, Ezugi, Pragmatic Play, NetEnt, Microgaming, and Spribe). In the event of a discrepancy between the game interface and any other source of information, the rules displayed within the game interface shall be definitive.

7.2 Bet Confirmation. A bet or wager is only valid once it has been confirmed by the fi99 system and a confirmation reference has been generated. Placing a bet that is not confirmed due to a technical error, connectivity failure, or system timeout does not constitute a valid wager, and no liability for any winnings associated with such an unconfirmed bet will be accepted by fi99.

7.3 Sports Betting — Cricket and Other Markets. fi99's sportsbook offers pre-match and live in-play betting on cricket matches (including BPL, IPL, T20 World Cup, and Bangladesh Tigers international fixtures), football, kabaddi, hockey, and other sports as available from time to time. All cricket and sports betting markets are subject to fi99's Sportsbook Rules, which govern settlement, void conditions, postponements, abandonments, and in-play rule specifics. The Sportsbook Rules are available within the sports betting section of the platform.

7.4 Errors and Malfunctions. In the event of a manifest error — including incorrect odds, payout errors, technical malfunctions, or software bugs — fi99 reserves the right to void the affected bets and return stakes to Players' accounts. fi99 is under no obligation to honour bets placed at odds that were clearly published in error or that arose from a system malfunction. "Clearly erroneous" odds are defined as odds that deviate materially from the true market price at the time of the event.

7.5 RNG Integrity. All fi99 casino games using random number generation (RNG) — including slots, virtual table games, and arcade titles — employ certified RNG software that has been independently tested and verified for statistical fairness. Published Return to Player (RTP) percentages are accurate and are not altered by fi99. Players accept that RTP is a long-run statistical average and does not guarantee outcomes on any individual session or wager.

7.6 Maximum Winnings. fi99 reserves the right to apply maximum winnings caps on individual games or market types as notified within the relevant game or market interface. Any winnings that exceed a published cap will be settled at the cap amount. Accumulator or parlay bets may be subject to additional maximum payout limits as detailed in the Sportsbook Rules.

The following conduct is strictly prohibited on the fi99 platform. Engaging in any prohibited conduct may result in immediate account suspension, permanent account closure, forfeiture of balances, and reporting to relevant authorities where legally required.

• Fraudulent Activity: Using stolen, fraudulent, or unauthorised payment methods; submitting falsified identity documents; impersonating another person; or using the platform to launder money or facilitate any financial crime.
• Multiple Accounts: Registering more than one account, whether under the same identity or different identities, for any purpose including exploiting welcome bonuses or circumventing a suspension or ban.
• Collusion: Collaborating with other Players — including at live casino tables — to gain an unfair advantage through coordinated betting, chip dumping, or sharing of hole-card information.
• Automated Play: Using bots, scripts, automated betting tools, artificial intelligence systems, or any software that interacts with the fi99 platform without human input to place bets or make decisions on a Player's behalf.
• Exploiting Technical Errors: Deliberately exploiting any software bug, pricing error, system vulnerability, or technical malfunction to generate winnings that would not have been available under normal platform operation.
• Chargebacks and Unauthorised Disputes: Initiating a chargeback, payment dispute, or reversal through your mobile financial service provider or bank for funds that were legitimately deposited to and used on your fi99 account.
• Underage Play: Accessing the fi99 platform if you are under 18 years of age, or assisting or enabling a person under 18 to access the platform.
• Abusive Behaviour: Directing abusive, threatening, discriminatory, or harassing language toward fi99 support staff, other players, or any party associated with the platform.

9.1 Voluntary Closure. A Player may request to close their fi99 account at any time by contacting [email protected]. Before closure, any Real Money Balance remaining in the account will be processed for withdrawal to your registered payment method, subject to KYC verification being complete and any applicable withdrawal minimums being met. Bonus Funds and any associated pending winnings subject to incomplete wagering requirements will be forfeited upon voluntary account closure.

9.2 fi99's Right to Suspend. fi99 reserves the right to suspend a Player's account at any time, with or without prior notice, where fi99 has reasonable grounds to believe that: (a) the Player has violated any provision of these Terms & Conditions; (b) the account has been accessed by an unauthorised third party; (c) the account shows signs of fraudulent activity, money laundering, or association with criminal conduct; (d) the Player has provided false or misleading registration information; or (e) a responsible gaming concern warrants temporary account restriction.

9.3 Permanent Closure. Following investigation of a suspected violation, fi99 may permanently close an account. In cases where the violation involved fraud, theft, money laundering, bonus abuse, or use of the platform by a person under 18, fi99 reserves the right to forfeit the entire account balance, including both Real Money Balance and Bonus Funds, without obligation to return deposited funds where those funds were involved in the prohibited activity.

9.4 Dormant Accounts. An account that has had no login activity for a period of twelve (12) consecutive months is considered dormant. fi99 will contact the registered mobile number and email address (if provided) before applying a dormancy maintenance fee of ৳100 per month to the Real Money Balance to offset account administration costs. Players are encouraged to log in periodically or request account closure if they no longer wish to use the platform.

10.1 Platform Availability. fi99 does not guarantee uninterrupted or error-free access to the platform at all times. Scheduled maintenance, emergency outages, third-party infrastructure failures, and network disruptions may affect platform availability from time to time. fi99 will endeavour to notify Players of scheduled downtime in advance via the platform's notification system.

10.2 Exclusion of Consequential Loss. To the fullest extent permitted by applicable law, fi99 shall not be liable for any indirect, incidental, special, consequential, or punitive loss or damage suffered by a Player arising from use of or inability to use the fi99 platform — including but not limited to loss of winnings, loss of data, loss of goodwill, or interruption to play caused by technical failure.

10.3 Maximum Liability Cap. Where fi99 is found liable to a Player under any cause of action arising from these Terms & Conditions, fi99's total aggregate liability shall not exceed the amount deposited by the Player into their fi99 account in the thirty (30) days immediately preceding the event giving rise to the claim.

10.4 Third-Party Services. fi99 is not responsible for the performance, security, or reliability of third-party services that interface with the platform — including bKash, Nagad, Rocket, Upay, bank transfer infrastructure, or game provider software. Any disputes arising from third-party service failures should be directed to the relevant third-party provider.

10.5 Player's Own Risk. You acknowledge that all gambling involves risk and that the outcome of any game or bet is uncertain. fi99 provides the platform as a fair entertainment service; it does not guarantee winnings to any Player. You accept full responsibility for your own wagering decisions and any financial consequences thereof.

11.1 Core Principle. fi99 is committed to providing a safe gaming environment and takes its responsible gaming obligations seriously. Gambling is intended to be an enjoyable leisure activity. fi99 actively works to prevent problem gambling and to support Players who may be at risk.

11.2 Available Tools. The following responsible gaming tools are available to all fi99 Players upon request by contacting [email protected]:

• Deposit Limits: Set daily, weekly, or monthly deposit caps to control the amount you can deposit within any given period.
• Session Time Reminders: Receive in-platform notifications after a defined period of continuous play.
• Cooling-Off Period: Temporarily restrict access to your account for a period of 24 hours, 7 days, or 30 days without permanent closure.
• Self-Exclusion: Permanently exclude yourself from the fi99 platform. Self-exclusion requests are processed within 24 hours and, once active, cannot be reversed for a minimum period of six (6) months.

11.3 Seeking Help. If you believe that you or someone you know may have a problem with gambling, please contact the fi99 support team at [email protected] and clearly state that you are seeking responsible gaming assistance. Our team will respond promptly and in strict confidence to discuss the options available to you.

12.1 Right to Amend. fi99 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, fi99 will notify registered Players via their registered mobile number and/or in-platform notification at least seven (7) days before the changes take effect, except where an amendment is required immediately to address a legal obligation, security risk, or regulatory requirement, in which case it may take effect immediately upon publication.

12.2 Continued Use. Continued use of the fi99 platform following the effective date of any amendment constitutes acceptance of the revised Terms & Conditions. If you do not accept the amended terms, you must cease using the platform and may request account closure in accordance with Section 9.1 before the effective date.

12.3 Severability. If any provision of these Terms & Conditions is found to be invalid, unlawful, or unenforceable by a court or competent authority, that provision shall be deemed severed from the remainder of the Terms & Conditions, which shall continue in full force and effect as if the severed provision had not been included.

12.4 Entire Agreement. These Terms & Conditions, together with the fi99 Privacy Policy and Responsible Gaming Policy as incorporated by reference, constitute the entire agreement between you and fi99 with respect to your use of the platform and supersede all prior communications, representations, or agreements relating to the same subject matter.

12.5 Language. These Terms & Conditions are written and shall be interpreted in English. In the event of any translation being made available for convenience, the English version shall be the definitive and binding version.

12.6 Contact. For any queries relating to these Terms & Conditions, please contact the fi99 support team. The support team is available 24 hours a day, 7 days a week, Bangladesh Standard Time (UTC+6). Contact email: [email protected] (plain text — not a clickable link).