Using ef99 Terms and Conditions — In plain English

1General Terms & Conditions

Ef99 (hereinafter referred to as the "Platform") is an online gaming and betting service provider. These Terms and Conditions constitute a legally binding agreement between ef99 and its users. By accessing or using the Platform, you automatically agree to be bound by these terms.

Ef99 reserves the right to amend these Terms and Conditions at any time. Any changes will be communicated via your registered email or published on the website. Continued use of the Platform following any update will be considered acceptance of the revised terms.

• These Terms and Conditions are written in English and apply to users in Bangladesh.
• In any dispute, ef99's interpretation shall be considered final.
• These Terms and Conditions should be read together with ef99's Privacy Policy and Responsible Gaming Policy.
• All content on this platform is the copyright of ef99.

2Account Registration & Eligibility

You must be at least 18 years old to open an account on ef99. Providing accurate name, date of birth, address, and contact details at registration is mandatory. Providing false or incorrect information may result in account closure at any time and forfeiture of your balance.

Each person may register only one account. Any attempt to open multiple accounts using the same device, IP address, or payment method will be flagged as duplicates and closed.

• A valid mobile number and email address are required at registration.
• A copy of your national ID or passport may be requested for identity verification.
• Keep your account password strong and never share it with anyone.
• If you notice any unusual activity on your account, contact support immediately.
• Any changes to your registered details must be verified through our support team.

3Deposit & Withdrawal Policy

Deposits on ef99 can be made via bKash, Nagad, and Rocket. Deposits are typically credited to your account instantly. If your deposit has not been reflected within 30 minutes, please contact support with your transaction reference number.

Identity verification must be completed before a withdrawal can be processed. The minimum withdrawal amount is BDT 500. Additional documentation may be requested for large first-time withdrawals.

• Withdrawals must be made through the same method used for the deposit — this is a requirement to prevent money laundering.
• Wagering requirements must be met before withdrawing bonus-related funds.
• Withdrawals are typically processed within 15 to 60 minutes.
• Multiple withdrawal requests made on the same day may be processed together.
• If fraud is suspected, a withdrawal may be temporarily placed on hold pending investigation.

4Bonus & Promotion Terms

Ef99 offers a variety of bonuses — including welcome bonuses, reload bonuses, free spins, cashback, and exclusive VIP offers. Each bonus has its own wagering requirements and validity period. Please read the full terms of any offer carefully before claiming it.

As a general rule, bonus amounts cannot be withdrawn directly. Bonus funds must be wagered a specified number of times before they convert to real money. The wagering requirement varies by offer and is clearly stated on the offer page.

• Bonuses may only be used on specific games or game categories.
• Multiple bonuses cannot be claimed simultaneously unless explicitly stated in the offer.
• Bonus validity is generally between 7 and 30 days. Any unused bonus will expire at the end of the validity period.
• If bonus abuse is detected, the bonus and any associated winnings will be voided.
• Ef99 reserves the right to modify or discontinue any promotion at any time.
• The referred person must be a genuine new user to qualify for the referral bonus.

5Betting Rules

All bets placed on ef99 are final once confirmed and cannot be changed or cancelled. Payouts for Sports Betting are determined based on live match results. If incorrect odds are displayed due to a technical error, the affected bets will be voided and the staked amount will be refunded.

Each casino game is governed by its own rules. All outcomes are determined by an RNG (Random Number Generator), ensuring completely fair and unbiased results. ef99 does not interfere with game outcomes in any way.

• Betting limits may vary by event and game.
• Abnormal winnings recorded due to a system error may be voided.
• If match-fixing or unfair advantage is proven, all related bets will be voided.
• Arbitrage betting by placing wagers on both sides of the same match is prohibited.
• Annual or monthly maximum win limits may apply under certain circumstances.

6Prohibited Activities

The following activities are strictly prohibited on the ef99 Platform. Violating these rules will result in permanent account closure and possible forfeiture of your balance.

• Operating multiple accounts or using another person's account.
• Placing strategic bets with the intent to abuse bonuses or promotions.
• Using automated software, bots, or scripts to play.
• Exploiting technical glitches or bugs on the platform to gain an unfair advantage.
• Using an account for money laundering or illegal financial transactions.
• Threatening, harassing, or attempting to harm other users.
• Unauthorized access attempts or hacking of ef99's systems.

7Responsible Gaming

Ef99 believes gaming is a form of entertainment — not a source of income. We are fully committed to responsible gaming and believe every user has the right to manage their own spending and time.

Ef99 provides every account with free tools to set daily deposit limits, weekly loss limits, and session time limits. If you feel you may have a gaming problem, you can request a voluntary temporary or permanent account closure at any time.

• Limits can be updated at any time from your account settings.
• Self-exclusion requests will take effect within 24 hours.
• Bonus offers and promotional emails will not be sent during suspension periods.
• Account registration is not available to anyone under 18 — verification is ongoing.

8Privacy & Data Protection

Ef99 takes the security of your personal information extremely seriously. Information provided at registration is used solely for account management, identity verification, and payment processing. Your data is never sold or shared with third parties.

• All data is stored on servers secured with SSL encryption.
• Payment information is stored in a separate, secured system.
• Information may be disclosed when required for legal purposes or upon request by a regulatory authority.
• For our full privacy policy, please visit our on the Privacy Policy page available.

9Account Closure & Suspension

Users may request account closure at any time. The account will be closed once the balance is cleared or a withdrawal has been completed via a verified payment method.

Ef99 reserves the right to temporarily suspend or permanently close an account for any of the following reasons — without prior notice:

• If evidence of a terms violation is found.
• If fraud or suspicious activity is suspected.
• If an account has been inactive for an extended period (more than 12 months).
• When required for legal or regulatory reasons.
• When a self-exclusion requested by the user takes effect.

10Dispute Resolution Process

For any complaints or disputes, please contact our support team in the first instance. The support team will endeavour to resolve your issue within 24 hours. If the matter cannot be resolved through support, it may be escalated to the management team.

• When submitting a complaint, please include the transaction date, amount, and reference number.
• If you have screenshots or supporting evidence, please attach them to your complaint.
• Ef99's decisions are final and binding on all parties.
• Ef99 always conducts impartial investigations in all dispute resolution cases.

11Amendments & Effectivity of Terms

Ef99 reserves the right to update these Terms and Conditions, in part or in full, at any time. A notice will be posted on the website and sent to your registered email before any changes take effect. Continued use of the Platform after such changes constitutes acceptance of the updated terms.

• If any part of these Terms and Conditions is found to be invalid, the remaining provisions will continue to be in full effect.
• The English version of the Terms and Conditions is the authoritative text — translations in other languages are for reference only.
• This agreement constitutes the entire legal contract between ef99 and the user.