Xo99 Terms & Conditions — Read Before You Play

These Terms and Conditions apply to the xo99 platform (xo99.fun) and all associated services. xo99 is an international online gaming platform operating under a valid license. By using the platform, you confirm that you have read, understood, and agreed to these terms.

Xo99 reserves the right to update these Terms and Conditions at any time. Any changes will be posted on the website along with the effective date. Continued use of the platform after changes have been made constitutes acceptance of the updated terms.

• These Terms and Conditions are available in both English and Bengali. In the event of any conflict, the English version shall prevail.
• Xo99 reserves the right to revoke any user's access at any time, without providing a reason.
• All content on xo99 (logos, graphics, text, games) is copyright protected. Unauthorized use is strictly prohibited.

To register on xo99, you must meet all of the following requirements. Any account created in violation of these Terms and Conditions may be closed at any time.

• Each person may register only one account. If multiple accounts are detected from the same IP, device, or payment method, all associated accounts will be closed.
• You must provide accurate and truthful information at the time of registration. Providing incorrect information may cause account verification to fail and your balance to be withheld.
• You are solely responsible for keeping your account password confidential. Sharing your password with anyone else is strictly prohibited.
• Xo99 accounts are non-transferable. Operating an account on behalf of a third party is strictly prohibited.
• You may be required to submit a photo of your national ID or passport for KYC (Know Your Customer) verification.
• Residents of countries or regions where access to our services is prohibited are not permitted to register.

Xo99 ensures fast and secure financial transactions. Deposits and withdrawals are easy to make via popular Bangladeshi mobile banking services including bKash, Nagad, and Rocket. All financial transactions are governed by these Terms and Conditions.

Deposit Rules:

• Only payment methods registered in your own name may be used for deposits.
• The minimum deposit amount will be stated on the promotions page and is subject to change.
• Successful deposits are typically credited to your account within a few minutes. If there is a delay, please contact support.
• For failed transactions, you will need to contact the payment provider directly.

Withdrawal Rules:

• KYC verification must be completed before a withdrawal can be processed.
• Wagering requirements must be met before bonus funds can be withdrawn.
• Withdrawal requests are typically processed within 5–30 minutes, though some cases may take up to 24 hours.
• Xo99 maintains a strict stance against money laundering. Suspicious transactions are reviewed and may be blocked where necessary.
• Withdrawals must be made using the same payment method used for the deposit. Withdrawals to a different method may be approved in limited circumstances.

Xo99 regularly offers bonuses and promotions. Each offer comes with its own specific terms, which are detailed on the promotions page. Those promotion-specific terms apply in addition to these general Terms and Conditions.

• Bonuses are only valid on designated games and cannot be used on all games.
• Withdrawals will not be processed until the wagering requirements for each bonus have been met.
• Multiple bonuses cannot be active at the same time unless the specific promotion's terms state otherwise.
• If bonus abuse or misuse is detected, the relevant bonus and any associated winnings will be forfeited.
• The welcome bonus is available once only, exclusively for newly registered members.
• Xo99 reserves the right to modify, suspend, or cancel any bonus offer at any time.
• Winnings from free spins are credited to the bonus balance and are subject to wagering requirements before withdrawal.

All games on xo99 are powered by RNG (Random Number Generator) technology, which is regularly audited by independent third parties. Every game outcome is entirely random and not predetermined. xo99 makes no compromises when it comes to fair play.

• Using bots, scripts, or any automated software to play is strictly prohibited.
• Any player found deliberately exploiting a system bug or error for personal gain will have their account closed.
• Collusion or coordinated play across multiple accounts is strictly prohibited.
• If a game is interrupted due to a technical issue, xo99 will settle it based on recorded data.
• Any dispute regarding a game outcome must be raised with support within 48 hours.
• In Live Casino games, the dealer's decision is considered final.

Xo99 treats responsible gaming not merely as a policy, but as a core part of its culture. We believe gaming should be a source of entertainment — not financial stress or emotional harm. As part of these Terms and Conditions, xo99 encourages all players to enjoy games responsibly.

• Deposit Limit: You can set daily, weekly, or monthly deposit limits at any time.
• Loss Limit: Auto-stop is available to end your session once you have lost a set amount.
• Session Time Limit: Your account will be automatically logged out after exceeding the set play time.
• Cooling-Off Period: Your account can be temporarily suspended for anywhere between 24 hours and 30 days.
• Self-Exclusion: You can take a temporary or long-term break from the platform at any time.

If you notice signs of gaming addiction or feel you are losing control of your play, please Responsible Gaming Visit the page for full details or reach out to our support team.

Xo99 is committed to protecting the privacy of your personal information. Any data we collect is used solely to provide our services and ensure platform security. For more details, please refer to our Privacy Policy Read.

• Your personal data will never be sold to third parties.
• All data is protected with SSL encryption.
• Information may be shared when required by law or at the request of a regulatory authority.
• You have the right to view, correct, or request deletion of your personal data.

Xo99 reserves the right to suspend or permanently close an account without prior notice in any of the following circumstances:

• Registering with false or inaccurate information.
• For any breach of the Terms & Conditions.
• Failure to complete KYC verification or to submit the required documents.
• Intentional exploitation of technical vulnerabilities on the platform.

You can also contact our support team at any time to request account closure. It is your responsibility to withdraw any eligible balance before the account is closed.

If you have a complaint or dispute, please contact our customer support team in the first instance. xo99 takes all complaints seriously and aims to provide an initial response within 72 hours.

• Once your complaint is submitted, you will receive a reference number that you can use to track its progress.
• If the support team is unable to resolve your issue, it will be escalated to a higher authority.
• In the event of a dispute over a game outcome, server logs will serve as the definitive evidence.
• For financial disputes, submitting transaction receipts and screenshots helps speed up the resolution process.
• If no resolution is reached, an appeal may be submitted to the relevant licensing authority.

Xo99 reserves the right to update these Terms and Conditions, in whole or in part, at any time. Members will be notified of significant changes via email or platform notification.

• Updated terms take effect from the date they are published.
• Continued use of the platform after any changes are made will be treated as acceptance of the updated terms.
• If you do not agree to the revised terms, you may request to close your account.

For any questions regarding these Terms and Conditions, please contact our support team. xo99 operates on the principles of transparency and fairness at all times.