99ar Terms & Conditions

These Terms and Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "Player", "you") and 99ar ("Platform", "we", "us", "our"), the operator of the online gaming platform accessible at https://99ar.cam. These Terms govern your access to and use of the 99ar website, mobile interface, gaming services, sportsbook, live dealer tables, and all related features and content.

By registering an account, accessing any area of the 99ar platform, or placing any wager or bet, you confirm that you have read these Terms in their entirety, that you understand them, and that you agree to be bound by them without reservation. If you do not agree with any provision of these Terms, you must immediately cease using the platform and close your account.

These Terms should be read alongside our Privacy Policy and our Responsible Gambling policy, both of which form an integral part of your agreement with 99ar.

For the purposes of these Terms, the following definitions apply:

• "Platform" means the 99ar website, all associated subdomains, mobile interfaces, APIs and services accessible at https://99ar.cam.
• "Account" means the registered user account created by a Player on the Platform.
• "Player" or "User" means any individual who has registered an Account or who accesses the Platform.
• "Wager" or "Bet" means any staked amount placed on a gaming event, sporting market, casino game or other wagering opportunity available on the Platform.
• "Bonus" means any promotional credit, free bet, cashback or incentive offered by 99ar to registered Players, subject to applicable wagering requirements.
• "KYC" means Know Your Customer — the identity and age verification process conducted by 99ar before permitting withdrawals or removing account restrictions.
• "Responsible Gambling Tools" means deposit limits, loss limits, session time limits, cooling-off periods and self-exclusion features available within the Account dashboard.
• "Restricted Jurisdiction" means any country, territory or region where access to or use of the Platform is prohibited or restricted by applicable law.
• "PKR" means Pakistani Rupee, the currency of Pakistan, used as a reference denomination on the Platform.
• "Operator" means the legal entity responsible for the 99ar Platform and its licensing, as detailed in the Platform's licensing disclosure section.

To register an Account and use the 99ar Platform, you must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout your use of the Platform:

• You must be at least 18 years of age, or the higher minimum age required by the laws of your jurisdiction or by the Operator's license conditions, whichever is the greater.
• You must have the full legal capacity to enter into a binding contract under the laws of your jurisdiction.
• You must not be a resident of or accessing the Platform from a Restricted Jurisdiction where gambling is prohibited by law.
• You must not be a current employee, officer, director, agent or contractor of 99ar, or an immediate family member of such a person.
• You must not hold more than one Account on the Platform at any time. Duplicate accounts may be suspended and balances forfeited.
• You must be accessing the Platform voluntarily and for your own personal, non-commercial entertainment purposes.

By registering, you warrant and represent that you satisfy all eligibility criteria above. 99ar reserves the right to request documentary evidence of eligibility at any time and to suspend Accounts pending verification.

When registering an Account on the 99ar Platform, you are required to provide accurate, complete and current information including your full legal name, date of birth, residential address and valid contact details. You must promptly update your Account information if any of these details change.

You are solely responsible for:

• Maintaining the confidentiality of your Account login credentials, including your username and password.
• All activity that occurs under your Account, whether or not authorised by you.
• Ensuring that your Account is not accessed by any third party, including minors.
• Notifying 99ar immediately if you suspect any unauthorised access to or use of your Account.

99ar will not be liable for any loss or damage arising from your failure to maintain the security of your Account credentials. You must not share your login details with any other person. Each Account is for the sole use of the registered Account holder.

99ar is required to conduct identity verification (KYC) checks on all Account holders before processing withdrawals, removing deposit restrictions, or as otherwise required by the Operator's licensing obligations. By registering, you consent to these verification procedures.

KYC verification may require you to submit one or more of the following:

• A government-issued photo ID (e.g., CNIC, passport, driving licence).
• Proof of residential address (e.g., utility bill or bank statement dated within 90 days).
• Proof of payment method ownership (e.g., screenshot of mobile wallet or bank account in your name).
• Source of funds documentation where required by applicable compliance obligations.

Failure to complete KYC verification within a reasonable time of being requested to do so may result in withdrawal restrictions, Account suspension, or Account closure. 99ar processes all KYC documentation in accordance with its Privacy Policy.

99ar accepts deposits and processes withdrawals through the payment methods listed in the Platform's live cashier at the time of transaction. Payment method availability is subject to change without prior notice. Familiar domestic payment channels including Easypaisa, JazzCash, Raast and bank transfers via HBL, UBL, Meezan Bank and Bank Alfalah may be referenced as contextual examples; however, 99ar does not guarantee the availability of any specific payment method and does not claim that any named payment provider endorses, supports or permits gambling transactions.

• Minimum Deposits: Minimum deposit amounts are displayed in the cashier and are denominated in PKR or an equivalent currency as applicable.
• Withdrawal Processing: Withdrawal requests are subject to KYC verification. Processing times vary by payment method and are not guaranteed. 99ar will not be liable for delays caused by third-party payment providers.
• Currency: All transactions are processed in the currency displayed at the time of the transaction. PKR amounts are indicative; actual debited amounts may vary based on exchange rates where applicable.
• Withdrawal to Original Method: Withdrawals will generally be processed to the same method used for the corresponding deposit, subject to applicable limits and provider availability.
• Fees: 99ar does not charge fees for standard deposits or withdrawals, but your payment provider or bank may apply their own transaction charges. You are responsible for any such third-party fees.

99ar reserves the right to request additional documentation before processing any withdrawal. Any deposit made in error must be reported to our support team immediately. Funds cannot be deposited on behalf of another person.

99ar may offer bonuses, free bets, reload promotions and other incentives to registered Players from time to time. All bonuses are subject to specific terms and wagering requirements that will be clearly stated on the relevant promotional page at the time the bonus is offered.

• Wagering Requirements: Bonus funds are typically subject to a wagering requirement that must be met before conversion to withdrawable funds. The applicable multiplier will be stated per promotion.
• Game Contributions: Different game types may contribute at different rates towards meeting wagering requirements. Contribution rates are stated per promotion.
• Expiry: Bonus funds and free bets expire if wagering requirements are not met within the stated time period. Expired bonuses are forfeited without compensation.
• One Bonus at a Time: Only one promotional bonus may be active per Account at a time unless otherwise specified.
• Abuse: 99ar reserves the right to void bonuses, winnings and/or suspend Accounts where bonus abuse, arbitrage or fraudulent redemption is suspected.

All bets placed on the 99ar Platform are governed by the specific rules applicable to the relevant sport, market or casino game. General betting rules applicable across the Platform include the following:

• All bets are accepted at the odds displayed at the time of placement. In-play odds are subject to change in real time.
• Bets cannot be cancelled or amended after acceptance, except where a specific cash-out facility is available and exercised in time.
• In the event of a technical error, system fault or manifest pricing error, 99ar reserves the right to void affected bets and return stakes.
• Maximum payout limits apply per bet and per market. These limits are displayed in the relevant betting section.
• Cricket markets, including PSL, ICC tournaments and bilateral Test and T20 series, are subject to the specific cricket betting rules published in the sportsbook section.
• Live casino game outcomes are determined by the respective game's certified random number generation system. Results are final upon round completion.
• Collusion, match-fixing or any form of dishonest play is strictly prohibited and will result in immediate Account suspension and forfeiture of balances.

All disputes regarding bet settlement must be raised with our support team within 30 days of the relevant event outcome. Disputes raised after this period may not be considered.

The following conduct is strictly prohibited on the 99ar Platform:

• Registering or attempting to register from a Restricted Jurisdiction where gambling is prohibited by law.
• Providing false, inaccurate or misleading information during registration or KYC verification.
• Using automated software, bots, scripts or any other automated system to place bets or interact with the Platform.
• Exploiting software bugs, pricing errors or system vulnerabilities to gain an unfair advantage.
• Engaging in money laundering, fraud or any other unlawful financial activity through the Platform.
• Harassing, threatening or abusing 99ar staff or other Platform users.
• Attempting to reverse-engineer, copy or redistribute any Platform content or proprietary technology.
• Opening multiple Accounts or allowing third parties to use your Account.
• Any conduct that, in 99ar's reasonable judgment, is designed to circumvent these Terms or undermine the integrity of the Platform.

A breach of this section may result in immediate Account suspension, forfeiture of all balances and bonuses, and referral to relevant law enforcement authorities where applicable.

99ar is committed to promoting responsible gambling practices. The Platform provides a range of tools within the Account dashboard to help Players maintain control over their gambling activity:

• Deposit Limits: Players may set daily, weekly or monthly deposit limits from their Account settings.
• Loss Limits: Players may set limits on the maximum amount they are prepared to lose over a given period.
• Session Time Limits: Players may configure time-based reminders or hard limits on session duration.
• Cooling-Off Periods: Players may request a temporary suspension of their Account for a defined period.
• Self-Exclusion: Players who wish to take a longer break from gambling may apply for self-exclusion, which will prevent Account access for the period requested.

Gambling is intended as entertainment only. It must never be viewed as a means of generating income or resolving financial difficulties. If gambling is no longer enjoyable, or if you believe you may have a gambling problem, please visit our Responsible Gambling page for guidance and support resources.

99ar reserves the right to suspend, restrict or permanently close any Account at its sole discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete KYC verification when requested.
• Suspected fraudulent activity, money laundering or other criminal conduct.
• A request from a regulatory authority or law enforcement body.
• Discovery that the Account holder is located in or accessing the Platform from a Restricted Jurisdiction.
• Discovery that the Account holder does not meet the minimum age eligibility requirements.

You may request voluntary Account closure at any time by contacting our support team. Pending any balance verification and outstanding withdrawal processing, your remaining verified balance will be returned to you in accordance with our standard withdrawal procedures. Any bonus funds that have not met applicable wagering requirements will be forfeited upon closure.

To the fullest extent permitted by applicable law, 99ar, its officers, employees, agents and partners shall not be liable for:

• Any loss of profits, revenue, data, goodwill or other intangible losses arising from your use of, or inability to use, the Platform.
• Any interruption, suspension or termination of the Platform or any service provided therein.
• Any errors, inaccuracies or omissions in Platform content, game results or odds data.
• Any unauthorised access to or use of your Account resulting from your failure to safeguard your credentials.
• Any loss arising from third-party payment provider delays, errors or service disruptions.
• Any indirect, incidental, special, consequential or punitive damages, regardless of the cause of action.

Nothing in this clause shall limit liability for death or personal injury caused by negligence, fraud or any other liability that cannot be excluded under applicable law.

All content, software, design elements, graphics, text, trademarks, logos and other materials on the 99ar Platform ("Platform Content") are the property of 99ar or its licensors and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal, non-commercial purposes only. You must not:

• Copy, reproduce, distribute or create derivative works from any Platform Content without prior written consent.
• Use any 99ar trademarks, logos or brand elements without authorisation.
• Frame, scrape or systematically extract data from the Platform.
• Reverse-engineer any software or technology underlying the Platform.

99ar collects and processes personal data in connection with your Account registration, identity verification, transaction processing and use of the Platform. The collection, use, storage and disclosure of your personal data are governed by our Privacy Policy, which is incorporated into these Terms by reference.

By registering an Account, you consent to the processing of your personal data as described in the Privacy Policy. If you do not consent, you must not register an Account or use the Platform.

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Operator is duly licensed and incorporated. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

99ar reserves the right to amend, update or replace these Terms at any time. Where a material change is made, 99ar will use reasonable efforts to notify registered Players via email or in-platform notification. The revised Terms will be published on this page with an updated effective date.

Your continued use of the 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 the Platform and close your Account before the effective date of the changes.

If you have any questions, concerns or complaints regarding these Terms & Conditions, or wish to exercise any rights under them, please contact the 99ar support team:

• Email (plain text — not a clickable link): [email protected]
• Support Hours: 24 hours a day, 7 days a week
• Languages: English and Urdu

We aim to respond to all enquiries within a reasonable time. Response times may vary during peak periods. For responsible gambling support, please visit our dedicated Responsible Gambling page.