joya3 Terms & Conditions

Account Registration & Eligibility

Age & Legal Requirements

You must be at least 18 years old to create a joya3 account. joya3 does not accept players under 18. By registering, you confirm that you are of legal age and permitted to gamble under Bangladesh law. You are responsible for complying with all local laws and regulations in your jurisdiction.

Account Information

During registration, you must provide accurate, complete, and truthful information including your full name, date of birth, email address, phone number, and national ID (NID) or passport number. You must not create multiple accounts. If we detect duplicate or fraudulent accounts, we will close them and forfeit any funds. Each person is entitled to one active account only.

Account Security

You are solely responsible for maintaining the confidentiality of your username and password. Do not share your login credentials with anyone. joya3 will never ask you for your password via email or chat. Any transactions made from your account using your credentials are deemed authorized by you. You must notify us immediately if you suspect unauthorized access.

Deposits, Withdrawals & Payments

Minimum & Maximum Deposits

The minimum deposit on joya3 is ৳200. The maximum deposit limit is set per transaction; deposits above the limit will be rejected. We accept deposits via bKash, Nagad, Rocket, Bank Transfer, and Upay. Deposits are typically credited within 5 minutes. Processing may take longer during peak hours or technical issues.

Withdrawal Policy

Withdrawals are processed within 20 minutes on average. The minimum withdrawal amount is ৳600. Your daily withdrawal limit is ৳150,000 (Bronze tier). Withdrawals must be made to the same payment method used for deposit. We may request verification documents (KYC) before processing your first withdrawal. Withdrawal requests made after our cutoff time will be processed the following day.

Deposit & Withdrawal Fees

joya3 does not charge fees on deposits or withdrawals. Any charges from your payment provider (bKash, Nagad, Rocket, etc.) are their responsibility. Exchange rates, if applicable, are determined by your bank or payment gateway. joya3 is not liable for third-party fees or delays caused by financial institutions.

Bonuses & Promotions

Welcome Bonus Terms

New players receive a 150% welcome bonus on their first deposit, up to ৳20,000. To claim this bonus, you must make a qualifying deposit of at least ৳200 and opt in during registration. The bonus is credited immediately and is non-withdrawable until wagering requirements are met.

Wagering Requirements

All bonuses on joya3 carry an 11x wagering requirement. This means you must wager 11 times the bonus amount before you can withdraw it. Not all games contribute equally to wagering: slots and fishing games count 100%, while card games and live casino count 50%. Sports betting does not count toward bonus wagering. Wagering must be completed within 7 days; unused bonuses expire after this period.

Promotional Bonuses

Reload bonuses (30% on subsequent deposits), daily cashback (0.7%), and referral rewards (৳600 per referred friend) are subject to separate terms displayed at the time of promotion. Bonuses cannot be combined unless explicitly stated. We reserve the right to modify, suspend, or cancel any promotion at our discretion with 7 days' notice.

Gameplay Rules & Fair Play

Game Integrity & RTP

All games on joya3 are provided by licensed third-party developers including Evolution, Sexy Gaming, JILI, FA Chai, and Playtech. Each game displays its Return to Player (RTP) percentage, ranging from 95.2% to 97.7%. RTPs are calculated over millions of spins and reflect theoretical long-term returns. Individual sessions may vary significantly. Games use certified random number generators (RNG) tested and audited by independent labs.

Betting Limits & Game Rules

Each game has a minimum and maximum bet. You cannot place bets outside these limits. Bets must be placed before the game round closes. Once a round is completed, the result is final. Disputes regarding game outcomes must be reported within 24 hours with screenshot evidence. joya3 will investigate claims and escalate to the game provider if needed.

Prohibited Conduct

You must not: engage in collusion with other players, use automated betting tools or bots, exploit game bugs or loopholes, use abusive language toward staff or other players, or attempt to manipulate game outcomes. Violation of these rules will result in immediate account suspension and forfeiture of all funds.

Account Suspension & Closure

Grounds for Suspension

joya3 reserves the right to suspend your account if we suspect fraud, money laundering, underage gambling, breach of terms, or violation of local laws. We may also suspend accounts showing unusual betting patterns or risk indicators. During suspension, you cannot place bets or withdraw funds. We will notify you of the reason for suspension where legally permitted.

Self-Exclusion & Cooling-Off

If you wish to exclude yourself from gambling, contact our support team at [email protected]. Self-exclusion requests are effective within 24 hours and last a minimum of 30 days. You can request a longer period (up to 5 years) by submitting written notice. During self-exclusion, your account remains closed and you will not receive promotional emails.

Account Closure & Fund Recovery

You may close your account at any time by contacting support. Upon closure, any remaining balance will be refunded to your registered payment method within 10 business days. Closed accounts cannot be reopened for 12 months. If you have a pending withdrawal when closing, it will be processed before closure is finalized.

Responsible Gaming Obligations

Gambling Risks

joya3 reminds all players that gambling carries financial and emotional risks. Games of chance have a built-in house edge. Only gamble money you can afford to lose. Never borrow money to gamble or use gambling to escape problems. If you experience signs of problem gambling—chasing losses, lying about gambling, or neglecting responsibilities—seek help immediately.

Support Resources

joya3 is committed to responsible gaming. Players showing signs of problem gambling can set deposit limits, session time limits, or betting limits through their account dashboard. These controls are enforced in real time. For counseling and support, contact the National Problem Gambling Council or reach out to your local healthcare provider. We also partner with Gamblers Anonymous to offer free resources to players in crisis.

Limitation of Liability

Disclaimers

joya3 provides its services on an "as is" basis. We do not guarantee uninterrupted access, error-free operations, or specific earnings. We are not liable for technical failures, server downtime, connectivity issues, or third-party payment processor failures. If a technical glitch affects your account, we will investigate and remedy the issue in good faith, but we do not guarantee compensation.

Dispute Resolution

Any disputes between you and joya3 must be reported within 30 days of the incident. Claims filed after 30 days will not be considered. We will respond to dispute reports within 7 business days. If a dispute cannot be resolved directly, either party may escalate to independent arbitration under Bangladesh jurisdiction. Legal fees are the responsibility of each party unless otherwise awarded.

Contact & Support

Customer Support

joya3 offers 24/7 customer support via live chat on our website and app. For email inquiries, contact [email protected]. We aim to respond to emails within 12 hours. Support is available in English. For urgent account issues, use live chat for fastest response.

These terms are binding and govern your use of joya3. We reserve the right to update these terms at any time. Continued use of joya3 after updates constitutes acceptance of revised terms. For questions or concerns, contact our support team.