95ko Terms and Conditions

1 General Terms

This document is a legally binding agreement between 95ko ("Platform", "we", "us") and the user of the platform ("you", "member", "player"). 95ko is an online betting and casino platform that provides services to players in Bangladesh.

1.1 Scope of Application

These terms and conditions apply to the 95ko website, mobile version, and all services under it. By accessing the platform or using any of its services, you agree to these terms.

1.2 Age Restriction

To participate on 95ko, you must be at least 21 years of age. Use of this platform by minors is strictly prohibited. We reserve the right to verify your age at any time.

1.3 Language and Interpretation

This document is written in Bengali and the Bengali interpretation shall be considered final. In the event of any dispute or ambiguity, the interpretation of the 95ko authority shall be definitive.

2 Account Registration

To register successfully on 95ko, you must meet the following requirements.

2.1 Registration Eligibility

• You must be 21 years of age or older.
• You must provide accurate and truthful information — providing false information may result in account closure.
• Only one account per person is permitted; holding multiple accounts is strictly prohibited.
• One phone number, one bank account, or one mobile wallet may only be used on a single account.
• Multiple accounts cannot be operated from the same IP address or device.

2.2 Identity Verification (KYC)

For security purposes, 95ko may at any time request the following documents for identity verification:

• A clear photo of your National ID (NID) or passport.
• Proof of current address (utility bill, bank statement).
• Proof of ownership of the payment method.

2.3 Account Security

You are required to keep your account login details (username and password) completely confidential. Any unauthorized access to your account must be reported to us immediately via live chat. 95ko will bear no responsibility if account details are shared with a third party.

3 Deposits and Withdrawals

3.1 Deposit Rules

3.2 Withdrawal Rules

• The minimum withdrawal amount is ৳1,000.
• Standard withdrawal processing time is 10 to 45 minutes.
• Withdrawals must be made using the same method used for the deposit.
• Large withdrawals may be held until KYC verification is complete.
• Withdrawals cannot be made while active bonus wagering requirements remain unfulfilled.
• Withdrawals to third-party accounts are strictly prohibited.

3.3 Currency

All transactions on 95ko are conducted in Bangladeshi Taka (BDT / ৳). An applicable exchange rate may apply for transactions in foreign currencies.

4 Bonuses and Promotions

4.1 Welcome Bonus

95ko offers new members a 120% bonus on their first deposit, up to ৳20,000. The following conditions apply to claiming this bonus:

• The wagering requirement for the bonus is 20x (deposit and bonus combined).
• No withdrawals can be made while the bonus is active.
• The wagering requirement must be met within 30 days of claiming the bonus.
• One account is eligible for one welcome bonus only.
• Wagering contribution may differ for certain game categories — contact the support team for details.

4.2 VIP Cashback Program

95ko's VIP program has 5 tiers. Weekly cashback is provided at each tier:

Advancement to a VIP tier depends on active participation and regular play on the platform. 95ko reserves the right to amend the VIP terms and conditions at any time.

4.3 General Promotion Terms

• Bonuses are acceptable on one account only, per household or per device.
• If abuse of promotions or bonus hunting is suspected, 95ko may cancel the bonus and suspend the account.
• The terms of all promotions are subject to the decision of the 95ko authority.
• Multiple bonuses cannot be activated at the same time.

5 Betting and Gaming Rules

5.1 Bet Confirmation

Once a bet is successfully placed, it is final and cannot be changed. If a bet is not properly registered due to a technical error, 95ko will make a decision based on server logs.

5.2 Game Fairness

95ko uses certified game software — games from recognized providers such as Pragmatic Play, JILI, PG Soft, Spribe, Evolution Gaming, Ezugi, NetEnt, and Microgaming are offered. All game outcomes are determined by a Random Number Generator (RNG).

5.3 Bet Cancellation

95ko reserves the right to cancel bets in the following circumstances:

• In the event of a technical error or software crash.
• If incorrect odds or payout information is displayed.
• If evidence of match-fixing or fraud is found.
• In the event of a violation of applicable rules and regulations.

5.4 Dispute Resolution

If a dispute arises regarding a game result, it must be reported within 72 hours via 24/7 live chat or email. Complaints submitted after the specified time may not be considered.

6 Prohibited Activities

The following activities are strictly prohibited on 95ko. If they occur, the account may be closed and the balance forfeited:

• Using multiple accounts to claim bonuses or advantages.
• Money laundering, fraud, or any illegal financial activity.
• Using bots, automated software, or artificial intelligence to play games.
• Exploiting platform vulnerabilities or bugs to gain an unfair advantage.
• Colluding with other players to secure unfair outcomes.
• Hacking, use of viruses, or malicious software.
• Operating an account using another person's identity.
• Operating an account on behalf of a minor.

7 Account Closure and Suspension

7.1 Account Closure at User's Request

You may request closure of your account at any time via live chat or email. Available balances may be withdrawn before closure (subject to conditions being met).

7.2 Account Suspension by 95ko

95ko may suspend or permanently close any account without prior notice for the following reasons:

• Violation of any provision of these terms and conditions.
• Providing false or incomplete information.
• Failure to cooperate with KYC verification.
• Fraudulent or suspicious activity.
• Extended inactivity (generally more than 12 months).

7.3 Balance of a Suspended Account

If an account is closed due to a rule violation, the bonus balance may be forfeited. However, if there is no evidence of fraudulent activity, 95ko will consider returning the original deposited funds.

8 Responsible Gaming

95ko firmly believes in responsible gaming. Gaming is a form of entertainment — it should never be viewed as a solution to financial problems.

8.1 Self-Control Tools

• Deposit Limits: You can set daily, weekly, or monthly deposit limits.
• Self-Exclusion: You can request to exclude yourself from the platform for a specific period or permanently.
• Reality Check: You can receive alerts about your gaming time at set intervals.
• Cooling-Off Period: The option to take a temporary break is available.

8.2 Minor Protection

Use of the platform by anyone under 21 is strictly prohibited. Parents and guardians are advised to use parental control tools to prevent underage family members from accessing the platform. If you suspect a minor is using 95ko, please notify us immediately.

9 Privacy & Security

Protecting your personal information is 95ko's top priority. We use SSL encryption to keep all data secure.

9.1 Data Collection and Use

• Personal information provided at the time of registration is used for service improvement and security purposes.
• Your information is not sold to third parties.
• Information may be disclosed to government authorities where required by legal obligation.

For more details, please see our Privacy Policy.

9.2 Cookies

95ko uses cookies to improve the user experience. By using the platform, you consent to the use of cookies.

10 Limitation of Liability

95ko bears no responsibility for financial or other compensation in the following cases:

• If a game or bet is interrupted due to loss of internet connection.
• If loss occurs due to technical errors or server unavailability.
• If loss occurs due to the user's own mistake (wrong bet, wrong amount, etc.).
• If loss occurs due to a fault in third-party software or hardware.
• If the service is suspended due to unforeseen circumstances (force majeure) such as natural disasters or government directives.

In any circumstance, 95ko's maximum liability will never exceed the total amount you have deposited during the relevant period.

11 Changes to Terms

95ko reserves the right to change, amend, or update these terms and conditions at any time. In the event of changes:

• The updated terms will be published on the website and will take effect from that date.
• Members will be notified of significant changes via email or live chat.
• Continued use of the platform after any changes will be considered as acceptance of the new terms.
• If you object to the new terms, you must request that your account be closed.

12 Contact

If you have any questions, feedback, or complaints regarding these terms and conditions, please contact us:

We take all your complaints seriously and do our best to resolve them as quickly as possible. Your satisfaction is our priority.