fo99 Terms & Conditions — Your Rights and Obligations as a Player

1. Introduction

fo99 is an internationally licensed online casino and sports betting platform. The fo99 website, accessible at fo99.io, provides registered players with access to casino games, live dealer tables, sports betting markets, crash games, card games, and associated promotional services. These Terms & Conditions ("Terms") govern the relationship between fo99 and each individual player who registers and uses the fo99 platform.

These Terms should be read alongside the fo99 Privacy Policy and the Responsible Gaming Policy, both of which form part of the agreement between you and fo99. In the event of any conflict between these documents, these Terms take precedence unless expressly stated otherwise.

fo99 reserves the right to update, modify, or replace any part of these Terms at any time. Continued use of the fo99 platform following notification of any changes constitutes your acceptance of the revised Terms. Players are encouraged to review these Terms periodically.

2. Eligibility

Access to fo99 is strictly limited to individuals who satisfy all of the following eligibility criteria:

• Age: You must be at least 21 years of age. fo99 enforces a strict 21+ policy across all products and services. Players found to be under the minimum age will have their accounts immediately suspended, all winnings forfeited, and deposits returned subject to verification.
• Legal Capacity: You must be legally capable of entering into a binding contract under the laws applicable to you in your jurisdiction.
• Jurisdictional Compliance: You are solely responsible for determining whether accessing and using fo99 complies with the laws of your jurisdiction. fo99 does not represent or warrant that its services are lawful in any specific jurisdiction. Accessing fo99 from a jurisdiction where online gambling is prohibited is done entirely at your own risk.
• Single Account: Each individual may hold only one registered fo99 account. Operating multiple accounts is a serious breach of these Terms and may result in permanent account closure and forfeiture of funds.
• Not Self-Excluded: You must not be subject to any active self-exclusion order, either applied voluntarily through the fo99 responsible gaming tools or imposed by fo99 as a result of a breach of these Terms.

3. Account Registration

To access fo99's services, you must complete the account registration process via the fo99 Login page. During registration, you are required to provide accurate, current, and complete information including your full legal name, date of birth, contact email address, and mobile number.

You are responsible for maintaining the confidentiality of your fo99 account credentials, including your username and password. You must not share your login details with any third party. fo99 will not be liable for any loss or damage arising from unauthorised access to your account resulting from your failure to maintain the security of your credentials.

fo99 reserves the right to request identity verification documents ("KYC" — Know Your Customer) at any time, including but not limited to a government-issued photo ID, proof of address, and proof of ownership of any payment method used. Failure to provide satisfactory documentation within the requested timeframe may result in account suspension or closure.

You must promptly notify fo99 if you suspect any unauthorised access to your account by contacting our support team at [email protected]. fo99 recommends using a strong, unique password for your account and changing it regularly.

• All registration information must be truthful and accurate at the time of submission.
• fo99 reserves the right to reject any registration application without providing a reason.
• Players must update their account information promptly if any details change after registration.
• Accounts registered using false, misleading, or fraudulent information will be permanently closed and balances forfeited.

4. Deposits & Withdrawals

fo99 supports a range of payment methods tailored to players in Bangladesh, including bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, Islami Bank, Sonali Bank, Visa, and Mastercard. The availability of specific payment methods may vary and is subject to change without notice.

Deposits: The minimum deposit amount at fo99 is ৳200. Deposits via bKash and Nagad are processed instantly under normal operating conditions. fo99 does not charge fees on standard bKash and Nagad deposits, though your mobile wallet provider may apply its own transaction charges. Players are responsible for verifying the applicable fees with their payment provider before initiating a transaction.

Withdrawals: Withdrawal requests are processed by fo99 within 5 to 30 minutes under standard conditions. fo99 reserves the right to conduct additional verification checks before processing any withdrawal, particularly for first-time withdrawals or withdrawals exceeding a threshold amount. Withdrawals will only be processed to a payment method previously used for deposits or verified in the player's account, to prevent money laundering.

• fo99 operates a strict same-source withdrawal policy. Funds deposited via bKash will be returned to the same bKash account.
• Withdrawals may be delayed if account verification (KYC) has not been completed to fo99's satisfaction.
• fo99 reserves the right to request additional documentation for any withdrawal request.
• Deposits must be used for wagering purposes. Depositing funds and immediately requesting withdrawal without playing may be treated as an attempt to exploit payment processing and may be refused.
• fo99 is not responsible for delays caused by third-party payment processors, mobile wallet providers, or banking institutions.

5. Bonuses & Promotions

fo99 offers various bonuses and promotional incentives to registered players from time to time, including welcome bonuses, deposit match bonuses, free spins, cashback offers, and seasonal promotions tied to events such as BPL, IPL, T20 World Cup, Eid, and Pohela Boishakh. All bonuses are subject to specific terms and conditions which are published alongside each promotion.

Unless stated otherwise in the specific promotion terms, the following general bonus conditions apply to all fo99 bonuses:

• Wagering Requirements: Bonus funds are subject to wagering requirements before they or any winnings derived from them may be withdrawn. The applicable wagering multiplier will be clearly stated in each promotion's terms.
• Time Limits: All bonuses carry an expiry period. Bonuses and associated winnings that are not wagered within the specified period will be forfeited automatically.
• Game Contributions: Not all games contribute equally towards wagering requirements. Slots typically contribute 100%, while table games, live dealer games, and sports bets may contribute at a reduced rate as specified in the individual promotion terms.
• One Bonus at a Time: Players may not hold more than one active bonus simultaneously unless expressly permitted by fo99.
• Abuse Prevention: fo99 reserves the right to cancel any bonus, void associated winnings, and suspend an account if it determines that a player is abusing the bonus system, including through the use of multiple accounts, coordinated play, or systematic exploitation of promotional terms.
• Eligibility: Bonuses are available to eligible registered players only. fo99 may restrict bonus availability based on player location, deposit method, account history, or other criteria at its sole discretion.

6. Betting Rules

All bets placed on fo99 are subject to the platform's general betting rules and, where applicable, the specific rules governing individual sports, markets, and casino games. By placing a bet on fo99, you confirm that you have read and understood the applicable rules.

• All bets are final once confirmed. fo99 does not accept requests to cancel or amend a bet after it has been accepted by the system.
• fo99 reserves the right to void any bet placed on an event or market that was affected by a technical error, incorrect odds, or manifest error in the pricing of any market.
• Minimum and maximum bet limits apply across all markets and games on fo99. These limits are displayed within the game or betting interface and may be adjusted at fo99's discretion.
• In-play betting markets are subject to suspension and settlement delays. fo99 is not responsible for connectivity issues that prevent a player from placing or amending in-play bets.
• All casino game outcomes on fo99 are determined by certified Random Number Generator (RNG) software or by live dealer results. fo99 does not intervene in or alter the outcome of any game.
• Winnings from sports betting are calculated using the odds displayed at the time the bet was accepted. fo99 is not responsible for display errors that do not reflect the actual accepted odds.

7. Responsible Gaming

fo99 is committed to promoting responsible gambling among all players in Bangladesh. We provide a suite of tools designed to help players manage their gambling activity. These include deposit limits, loss limits, session time limits, cooling-off periods, and full self-exclusion. All responsible gaming tools are accessible directly from your fo99 account settings.

If you believe your gambling is becoming problematic, we strongly encourage you to make use of these tools or to contact fo99 support at [email protected] for confidential assistance. For more detailed information, please visit our dedicated Responsible Gaming page.

8. Prohibited Conduct

The following activities are strictly prohibited on fo99. Engaging in any prohibited conduct may result in immediate account suspension, permanent closure, forfeiture of balances, and reporting to relevant authorities where applicable:

• Registering more than one fo99 account, whether under your own identity or a false identity.
• Providing false, misleading, or fraudulent information at any stage of the registration or verification process.
• Using the fo99 platform while under the minimum age of 21.
• Colluding with other players to manipulate game outcomes, exploit bonuses, or engage in any form of coordinated cheating.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with fo99's games or betting markets without express written authorisation from fo99.
• Exploiting software bugs, glitches, or vulnerabilities in fo99's platform. Any suspected bugs must be reported to fo99 support immediately rather than being exploited.
• Engaging in any form of money laundering, terrorist financing, or other financial crime using the fo99 platform.
• Attempting to reverse engineer, copy, distribute, or commercially exploit any part of fo99's platform, software, or content.
• Harassing, threatening, or abusing fo99 staff or other players through any communication channel.

9. Intellectual Property

All content on the fo99 platform, including but not limited to the fo99 brand name, logo, website design, graphics, text, software, game interfaces, and promotional materials, is the intellectual property of fo99 or its licensed content partners and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the fo99 platform solely for your personal, non-commercial entertainment purposes. This licence does not permit you to copy, reproduce, distribute, sell, modify, or create derivative works from any fo99 content without prior written consent from fo99.

10. Limitation of Liability

To the maximum extent permitted by applicable law, fo99 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the fo99 platform, including but not limited to losses arising from:

• Platform downtime, technical errors, or interruptions to service.
• Delays in the processing of deposits or withdrawals caused by third-party payment providers.
• Losses sustained in the course of gambling activity on fo99.
• Unauthorised access to your account resulting from your failure to maintain the security of your login credentials.
• Force majeure events including natural disasters, government actions, civil unrest, or internet infrastructure failures.

fo99's total aggregate liability to any player, under any circumstance, shall not exceed the total deposits made by that player to their fo99 account in the 30 days immediately preceding the event giving rise to the claim.

11. Account Termination

fo99 reserves the right to suspend or permanently close any player account at any time, with or without prior notice, if fo99 determines that:

• The player has breached any provision of these Terms.
• The player has engaged in fraudulent, abusive, or illegal activity.
• The player has provided false or misleading information during registration or verification.
• Continued operation of the account poses a legal, regulatory, or reputational risk to fo99.

Players may also voluntarily close their fo99 account at any time by contacting support at [email protected]. Upon voluntary closure, any remaining real-money balance (excluding bonus funds subject to incomplete wagering requirements) will be returned to the player via their verified withdrawal method, subject to standard verification procedures.

12. Amendments to These Terms

fo99 reserves the right to amend, update, or replace these Terms & Conditions at any time. Material changes to these Terms will be communicated to registered players via the email address associated with their fo99 account or via a prominent notice on the fo99 platform. The date of the most recent revision is indicated at the top of this document.

Your continued use of the fo99 platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using fo99 and may request account closure by contacting support.

13. Governing Law and Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with internationally applicable principles of online gaming law. In the event of any dispute between you and fo99, both parties agree to attempt to resolve the matter through good-faith negotiation in the first instance.

fo99 operates as a player-focused platform and our support team is the first point of contact for any complaints or disputes. Disputes relating to game outcomes, account balances, bonus calculations, or payment processing should be submitted in writing to [email protected] with full details of the complaint. fo99 aims to acknowledge all formal complaints within 48 hours and to provide a substantive response within 14 calendar days.

14. Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions or the fo99 platform in general, please contact the fo99 support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 directly from the fo99 platform
• Response Hours: 24 hours a day, 7 days a week, including all Bangladesh public holidays

fo99 is committed to providing timely, respectful, and effective assistance to all players in Bangladesh. We treat every query seriously and aim to resolve all matters as quickly as possible.