98win Terms and Conditions — Pakistan Platform Rules & Policy

1 Introduction

Welcome to 98win. These Terms and Conditions ("Terms") form a legally binding agreement between you ("Player," "User," "you") and 98win ("we," "us," "the Platform"), the operator of the website accessible at 98win-bangla.net and all associated mobile interfaces.

By creating an account, making a deposit, or placing any bet on 98win, you confirm that you have read, understood, and agreed to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use the 98win platform.

98win operates under a valid international gaming licence. We are committed to fair play, transparent operations, and the responsible gaming standards required by our licence obligations.

2 Eligibility

To open an account and use 98win's services, you must meet all of the following conditions at all times:

• You are at least 18 years of age. 98win strictly prohibits access by minors, and any account found to be held by a person under 18 will be immediately closed and all funds forfeited.
• You are acting on your own behalf and not as an agent or representative of any third party.
• You have full legal capacity to enter into binding agreements.
• You are not accessing the platform from a jurisdiction where online gambling is prohibited.
• You have not previously had an account on 98win that was suspended or terminated for breach of these Terms.
• You are not a current employee, contractor, or close family member of a current employee or contractor of 98win or any of its associated entities.

3 Account Registration

Each player is permitted to hold only one account on 98win. Creating duplicate accounts — whether using the same identity details, payment method, device, or IP address — is strictly prohibited and constitutes grounds for immediate account suspension.

3.1 Registration Information

When registering, you must provide accurate, truthful, and complete information. This includes your legal full name, date of birth, valid email address, and a Pakistani mobile number. You are responsible for keeping this information up to date. 98win accepts no liability for issues arising from inaccurate account information provided by the player.

3.2 Account Security

You are solely responsible for keeping your username and password confidential. Do not share your login credentials with anyone. 98win will never ask for your password via email, chat, or phone. If you believe your account has been compromised, contact support immediately. Any bets or transactions completed under your credentials before a compromise is reported to 98win are your responsibility.

3.3 Verification

98win reserves the right to request supporting documentation to verify your identity, age, address, and payment methods. This may include a copy of your CNIC, bank statement, or mobile wallet screenshot. Accounts that fail verification within a reasonable timeframe may be restricted from withdrawals or closed entirely.

4 Deposits & Payments

98win accepts deposits in Pakistani Rupees (PKR) via the following payment methods: Easypaisa, JazzCash, NayaPay, SadaPay, IBFT bank transfer, and Visa/Mastercard debit or credit cards. Minimum and maximum deposit amounts per method are displayed in the cashier section and may be updated from time to time.

4.1 Deposit Processing

The vast majority of deposits are credited to your 98win account balance instantly. In rare cases involving IBFT or card transactions, processing may take up to two business hours. 98win does not charge fees on deposits, though your bank or wallet provider may apply their own charges.

4.2 Accepted Funds

All funds deposited must belong to you personally and must originate from a payment account registered in your own name. Depositing funds on behalf of another person is not permitted. 98win reserves the right to return deposits that cannot be verified as belonging to the registered account holder.

4.3 Failed Deposits

If a deposit does not reflect in your account balance within two hours, please contact 98win support with your transaction reference number. Do not attempt to deposit again before confirming the status of the original transaction, as this may result in duplicate charges.

5 Withdrawals

Withdrawal requests can be submitted at any time through the cashier section of your 98win account. Withdrawals are processed to the same payment method used for the most recent deposit, where technically possible. This anti-money-laundering requirement protects both you and the platform.

5.1 Processing Times

Easypaisa and JazzCash withdrawals are typically processed within a few hours of the request being submitted during business hours. IBFT bank transfers may take one to two business days. 98win targets same-day processing for all withdrawal requests submitted before 17:00 PKT on working days.

5.2 Verification Before Withdrawal

If your account has not previously completed full identity verification, 98win may request documentation before processing your first withdrawal. This is a standard compliance requirement and is not a reflection of any suspected wrongdoing. Documents required may include a copy of your CNIC (front and back) and a screenshot of the payment method being used.

5.3 Withdrawal Limits

Minimum and maximum withdrawal amounts per transaction and per day are displayed in the cashier section. These limits may vary by payment method and account tier. High-value withdrawal requests above a defined threshold may require additional verification and take longer to process.

6 Betting Rules

The following general rules apply to all sports betting markets on 98win, including cricket, football, and esports. Sport-specific rules may apply in addition to these general provisions.

6.1 Placement of Bets

Bets are only accepted when you have sufficient verified funds in your 98win account balance. A bet is only confirmed once you receive an on-screen confirmation with a bet reference number. If a confirmation is not displayed, the bet should be treated as not placed.

6.2 Bet Settlement

Bets are settled based on the official result declared by the relevant sporting governing body or tournament organiser. In the case of cricket, the ICC or PCB official result is used. For esports, the official result declared by the tournament platform is final.

6.3 Void Bets

A bet may be voided in the following circumstances: the event is cancelled or abandoned before a valid result is established; an obvious pricing error occurred at the time of bet placement; 98win identifies evidence of match manipulation. Voided bets have the full stake returned to the player's account.

6.4 In-Play Betting

In-play (live) markets may be temporarily suspended at any point during a match at 98win's discretion — for example, during a DRS review, a rain delay, or a power outage at the venue. Bets placed before a suspension are not affected by the suspension itself; they will be settled in accordance with the final match result for that market.

6.5 Maximum Winnings

98win applies maximum payout limits per bet, per event, and per day. These limits vary by sport and market type and are displayed in the individual bet slip before confirmation. Any winnings exceeding the stated maximum payout will be capped at the applicable limit.

7 Casino & Slots

All casino games on 98win — including jackpot slots, baccarat, and roulette — use certified random number generation (RNG) technology or live dealer feeds from licensed game providers. Return-to-Player (RTP) percentages for each game are available within the individual game information screens.

Players are responsible for understanding the rules of each game before placing real-money wagers. 98win provides free-to-view rules and paytable information within each game lobby. The use of any external software, bots, or automated tools to interact with casino games is strictly prohibited and will result in immediate account suspension.

8 Bonuses & Promotions

98win offers various promotions including welcome bonuses, reload bonuses, free spins, and cashback offers. Each promotion has its own specific terms, including minimum deposit requirements, wagering requirements, eligible games, minimum odds, and expiry dates. These specific terms are published alongside each promotional offer.

8.1 Wagering Requirements

Bonus funds are subject to wagering requirements before they can be converted to withdrawable cash. The required wagering multiple is specified for each promotion. Only bets placed with bonus funds that meet the minimum odds requirement (where stated) contribute to wagering requirements.

8.2 Bonus Abuse

98win monitors betting patterns to detect bonus abuse, including but not limited to: placing offsetting bets across multiple accounts or platforms to guarantee a risk-free return, using bonus funds primarily on games with very high RTP to meet wagering requirements, or creating multiple accounts to claim the same welcome offer more than once. Detected bonus abuse will result in the cancellation of the bonus and any associated winnings, and may result in account suspension.

8.3 Bonus Expiry

All bonuses and free spins credited to your 98win account expire after the period stated in the promotion's specific terms. Expired bonuses are forfeited automatically without prior notice.

9 Prohibited Conduct

You agree that while using 98win you will not:

• Provide false or misleading information at registration or during any subsequent verification process.
• Open more than one account, whether in your own name or using another person's identity or details.
• Use a payment method that does not belong to you or is not registered in your name.
• Attempt to manipulate, exploit, or reverse-engineer 98win's software, APIs, or odds pricing systems.
• Use bots, automated scripts, or any artificial intelligence tool to place bets or interact with casino games on the platform.
• Collude with other players to manipulate the outcome of any bet or casino game session.
• Engage in any activity that may constitute money laundering, fraud, or any other criminal activity using the 98win platform.
• Share your account access with any other person or allow a third party to operate your account.
• Harass, abuse, or threaten 98win staff, support agents, or other platform users.

Any breach of the above prohibitions will be treated as a material breach of these Terms and will entitle 98win to immediately suspend or permanently close your account, withhold any pending withdrawals pending investigation, and report the activity to the relevant authorities where required.

10 Account Suspension & Closure

98win reserves the right to suspend, restrict, or permanently close any account at any time, with or without prior notice, if we have reasonable grounds to believe that:

• The account holder has breached any provision of these Terms.
• The account is being used for fraudulent or criminal purposes.
• Continued operation of the account poses a regulatory or reputational risk to 98win.
• The account holder has initiated a chargeback dispute with their bank or payment provider in bad faith.

If your account is closed for reasons other than a breach of these Terms, any genuine balance remaining (net of bonuses and pending unsettled bets) will be returned to you via your last known payment method after completion of any required investigation.

10.1 Self-Closure

You may request closure of your 98win account at any time by contacting customer support. If you are requesting closure for responsible gaming reasons, please inform the support agent, who can apply immediate self-exclusion. Self-exclusion cannot be reversed for the minimum period selected.

11 Responsible Gaming

98win is committed to promoting responsible gaming. We provide the following tools directly within your account settings, accessible at any time without needing to contact support:

• Deposit limits — set daily, weekly, or monthly caps on how much you can deposit into your 98win account.
• Session time reminders — receive an on-screen alert after a defined period of continuous play.
• Cooling-off periods — temporarily restrict access to your account for a set period (24 hours to 6 weeks).
• Self-exclusion — permanently or semi-permanently exclude yourself from the platform for a minimum of six months.

Increasing a deposit limit takes effect after a mandatory 24-hour cooling-off period. Decreasing a limit takes effect immediately. Self-exclusion is irreversible for the selected minimum period.

12 Intellectual Property

All content on the 98win platform — including the brand name, logo, website design, software, text, graphics, and data feeds — is the exclusive intellectual property of 98win or its licensed partners. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal entertainment purposes only.

You may not copy, reproduce, republish, modify, transmit, or distribute any content from 98win without prior written permission. Scraping odds data, game results, or any other platform data via automated means is strictly prohibited.

13 Limitation of Liability

98win provides its platform on an "as is" and "as available" basis. While we take all reasonable steps to ensure platform stability and data accuracy, we cannot guarantee uninterrupted access or error-free operation at all times.

To the fullest extent permitted by applicable law, 98win excludes all liability for indirect, incidental, consequential, or punitive damages arising from your use of the platform. This includes, without limitation, losses arising from: system outages during in-play events, delayed score updates, incorrect odds displayed due to data feed errors, or your inability to access your account due to factors outside our reasonable control.

98win's total liability to you for any claim arising from these Terms shall not exceed the amount of real-money funds in your account balance at the time the claim arises.

14 Privacy

98win collects, processes, and stores personal data in accordance with its Privacy Policy. By accepting these Terms, you also acknowledge and accept the Privacy Policy, which is incorporated by reference into these Terms. Key points include:

• Your personal data is used solely for account management, identity verification, payment processing, and regulatory compliance.
• 98win does not sell your personal data to third parties for marketing purposes.
• Data may be shared with licensed payment processors and compliance partners strictly as required to operate the platform and meet legal obligations.
• You have the right to request access to, correction of, or deletion of your personal data, subject to applicable legal retention requirements.

For the full Privacy Policy, visit 98win Privacy Policy.

15 Amendments to These Terms

98win reserves the right to amend, update, or replace these Terms at any time. When material changes are made, registered players will be notified via email or an in-platform notification at least seven days before the changes take effect. Continued use of the platform after the effective date of any amendment constitutes acceptance of the revised Terms.

It is your responsibility to review these Terms periodically. The "Last updated" date at the top of this page indicates when the most recent revision was made.

16 Governing Law & Disputes

These Terms are governed by the laws of the jurisdiction in which 98win holds its gaming licence. Any dispute arising from these Terms that cannot be resolved through direct negotiation with our support team shall be referred to binding arbitration in accordance with the rules of the licensing jurisdiction.

Before initiating any formal dispute, players are required to contact 98win support and allow a reasonable period — not less than 14 days — for the matter to be investigated and resolved internally. 98win will always aim to resolve disputes promptly and fairly.

17 Contact Us

If you have any questions about these Terms, your account, a specific bet, or any other matter relating to 98win, please contact our customer support team:

For responsible gaming concerns specifically, please also visit our dedicated Responsible Gaming page which lists independent support resources available in Pakistan.