Terms & Conditions — 92koko

These Terms and Conditions (hereinafter "Terms", "Agreement" or "T&C") govern the contractual relationship between 92koko (hereinafter "the Platform", "we", "us" or "our") and any individual who accesses, registers on or uses the 92koko online casino and sports betting platform available at 92koko.cam (hereinafter "the User", "you" or "Player").

By accessing the Platform, creating a player account or placing any wager, you acknowledge that you have read these Terms in their entirety, that you understand them, and that you agree to be legally bound by them. If you do not agree to any part of these Terms, you must not use the Platform.

These Terms apply to all services offered by 92koko, including but not limited to sports betting markets, live in-play wagering, online casino games, live dealer tables, slot titles, instant games, promotional offers and any support services accessed in connection with the Platform.

92koko is operated under an internationally recognised gaming license. For the avoidance of doubt, 92koko is not licensed, approved, regulated or endorsed by the Government of Pakistan, the Pakistan Telecommunication Authority (PTA), the State Bank of Pakistan, any provincial authority, or any Pakistani financial institution. Users are solely responsible for determining whether their access to and use of the Platform is lawful in their jurisdiction.

In these Terms, the following words and phrases shall have the meanings ascribed to them below, unless the context expressly requires otherwise:

Access to and use of the Platform is restricted to individuals who satisfy all of the following eligibility criteria at the time of registration and on an ongoing basis:

• You are at least 18 years of age, or such higher minimum age as required by the operator's license jurisdiction or applicable local law, whichever is greater;
• You have full legal capacity to enter into a binding contract in your jurisdiction;
• You are not a resident of or physically located in a Restricted Territory at the time of placing any wager;
• You are not accessing the Platform on behalf of another person;
• You are not subject to a self-exclusion order, either through 92koko or any third-party responsible gambling scheme that covers this Platform;
• You are not an employee, contractor, director, officer or agent of 92koko or any of its affiliates, nor a close family member of such a person.

The Platform does not constitute an invitation to participate in gambling in any jurisdiction where such activity is unlawful. It is the Player's sole responsibility to verify their eligibility before registering.

4.1 Account Creation. Each Player may hold only one (1) registered account on the Platform. The creation of multiple accounts by the same individual is strictly prohibited and will result in the suspension of all associated accounts and forfeiture of balances.

4.2 Accurate Information. You must provide accurate, complete and current information during registration, including your full legal name, date of birth, residential address and valid contact details. You must not register using a false identity, pseudonym or another person's details.

4.3 KYC Process. Prior to processing any withdrawal request, and at any other time we deem necessary, you will be required to complete identity verification by submitting:

• A valid, government-issued photo identification document (e.g., National Identity Card (CNIC/NICOP), passport or driving licence);
• Proof of residential address (e.g., a recent utility bill or bank statement, no older than three months);
• Proof of payment method ownership where required;
• Any additional documentation reasonably requested by our compliance team.

4.4 Delays. 92koko accepts no responsibility for delays in withdrawals or other services arising from a Player's failure to provide complete and accurate KYC documentation promptly.

5.1 Account Security. You are solely responsible for maintaining the confidentiality of your login credentials, including your username and password. You must not share your account access with any third party. 92koko will not be liable for any loss or damage arising from unauthorised access resulting from your failure to protect your credentials.

5.2 Notification of Breach. If you suspect that your account has been accessed without your authorisation, you must notify our support team immediately via Live Chat or email so that your account can be secured.

5.3 Account Closure by Player. You may request to close your account at any time by contacting our support team. Any outstanding real-money balance (net of bonus funds and subject to completed KYC verification) will be returned to you in accordance with our withdrawal procedures.

5.4 Account Closure by 92koko. We reserve the right to suspend or permanently close your account, void bets, and withhold balances if we have reasonable grounds to believe that you have:

• Violated any provision of these Terms;
• Provided false or misleading information during registration or KYC;
• Engaged in fraudulent, abusive or collusive behaviour;
• Attempted to manipulate game outcomes or exploit software vulnerabilities;
• Breached applicable laws or regulations.

5.5 Dormant Accounts. Accounts that have had no login activity for a period of twelve (12) consecutive months may be classified as dormant. Dormant account administration fees may apply as set out in the current fee schedule published on the Platform.

6.1 General. All deposits must be made using payment methods that are (a) accepted by the Platform, and (b) held in your own name. Third-party deposits are not permitted.

6.2 Currency. The Platform operates with PKR as its primary display currency. Where a deposit is made in an alternative currency, conversion rates applicable at the time of processing will be applied. 92koko accepts no liability for exchange-rate fluctuations.

6.3 Minimum Deposit. Minimum deposit amounts are specified on the Platform's cashier page for each available payment method. These minimums are subject to change without prior notice.

6.4 Payment Method Context. Familiar Pakistan payment references — including Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank and Bank Alfalah — may be listed on the Platform as general local context only. These payment providers do not endorse, partner with or support 92koko in any way. Availability of specific payment methods is subject to change.

6.5 Anti-Money Laundering. 92koko operates in compliance with applicable anti-money laundering (AML) regulations. Deposits suspected of originating from illegal activity may be frozen, and affected accounts suspended pending investigation. We are obligated to report suspicious activity to relevant regulatory authorities.

7.1 Eligibility. Withdrawal requests will only be processed after full KYC verification has been completed. Withdrawals are limited to the payment method(s) used for deposits where technically possible.

7.2 Processing Time. Standard withdrawal processing times are as follows, though these are estimates only and may vary depending on the payment method and verification status:

• E-wallets: typically 24–72 hours after approval;
• Bank transfers: typically 3–5 business days after approval;
• Cryptocurrency: subject to network confirmation times, typically 1–24 hours after approval.

7.3 Minimum and Maximum Withdrawals. Minimum and maximum withdrawal limits per transaction and per period are displayed on the cashier page. 92koko reserves the right to stage large withdrawals over multiple payments.

7.4 Pending Withdrawal Cancellation. Players may cancel a pending withdrawal request before it has been processed. Cancelled withdrawals return the funds to the player's account balance. However, this is not advisable and should be carefully considered.

7.5 Withholding. 92koko reserves the right to delay or withhold any withdrawal request where: (a) the KYC process has not been completed; (b) an ongoing investigation into suspected fraud or abuse is in progress; or (c) any bonus wagering requirement has not been satisfied.

8.1 General. 92koko may, at its sole discretion, offer bonuses and promotional incentives to new and existing Players. All bonuses are subject to the specific terms applicable to each promotion, which are published on the promotions page at the time of the offer.

8.2 Wagering Requirements. Unless expressly stated otherwise, all bonus funds and any winnings generated from bonus funds are subject to wagering (rollover) requirements. For illustrative purposes: a PKR 1,000 bonus with a 30× wagering requirement means the Player must wager a total of PKR 30,000 in qualifying bets before associated winnings become withdrawable.

8.3 Maximum Bet Restriction. During any active bonus period, a maximum single-bet stake restriction applies. Placing bets exceeding this limit while a bonus is active may result in the forfeiture of the bonus and any related winnings. Current maximum bet limits are specified in each promotion's terms.

8.4 Game Contribution. Not all games contribute equally to the fulfilment of wagering requirements. Slot games typically contribute at 100%; table games, live dealer games and certain other titles may contribute at a reduced rate (e.g., 10%–20%). Specific contribution rates are detailed in each promotion's terms.

8.5 Bonus Expiry. Bonuses and associated wagering requirements must be fulfilled within the validity window specified in the promotion's terms. Expired bonuses and any associated winnings will be removed from the Player's account without notice.

8.6 One Bonus at a Time. Unless expressly permitted, only one active bonus may be held at any time. Players must not attempt to claim multiple bonuses simultaneously unless the applicable promotional terms expressly allow it.

8.7 Abuse. 92koko reserves the right to void bonuses and related winnings, and to close accounts, where it determines at its sole discretion that bonus abuse has occurred, including but not limited to: exploitation of terms, arbitrage betting across promotions, or collusive claim strategies.

9.1 Bet Acceptance. All bets are subject to the rules applicable to the specific market, game or event. 92koko reserves the right to refuse, limit or void any bet at its sole discretion, including where system errors, incorrect odds or market integrity issues are identified.

9.2 Cricket and Sports Markets. Cricket betting markets — including those related to Pakistan cricket, PSL (Pakistan Super League) T20 events and ICC tournaments — are offered as sports betting markets only. Reference to these events and leagues is for sports-context purposes; 92koko does not claim any official partnership with, or endorsement from, the Pakistan Cricket Board (PCB), the PSL, the ICC or any participating team.

9.3 Live In-Play Betting. In-play (live) bets are accepted up to the point where the Platform closes the market. Results of in-play markets are determined on the basis of real-time data feeds. In the event of a data feed error or dispute, the official match result from the relevant governing body will take precedence.

9.4 Void Bets. Bets may be voided in circumstances including but not limited to: event cancellation, event abandonment before the void-rule completion point, obvious pricing errors, or market integrity concerns.

9.5 Final Settlement. All bet settlements are final once processed. Queries regarding bet settlement must be submitted to the support team within fourteen (14) days of the settlement date.

The following conduct is strictly prohibited on the Platform. Violation of any of the below may result in immediate account suspension, forfeiture of balances and, where applicable, referral to relevant authorities:

• Registering more than one account per individual, household, IP address or device;
• Using false, fraudulent or borrowed identity documentation during registration or KYC;
• Colluding with other players to gain an unfair advantage in any game or market;
• Using automated software, bots, scripts or any artificial intelligence tools to interact with the Platform;
• Exploiting software bugs, errors or vulnerabilities to gain a financial advantage;
• Laundering money or using the Platform to process proceeds of crime;
• Placing bets financed by illegally obtained funds;
• Chargebacks — disputing legitimate transactions with payment providers;
• Systematic exploitation of bonus terms through arbitrage or coordinated abuse;
• Accessing the Platform from a Restricted Territory using a VPN or other circumvention technology.

11.1 Ownership. All content on the Platform — including but not limited to text, graphics, logos, icons, images, audio clips, game interfaces, software code and data compilations — is the property of 92koko or its licensed content providers and is protected by applicable intellectual property laws.

11.2 Limited Licence. 92koko grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial entertainment purposes in accordance with these Terms.

11.3 Restrictions. You may not reproduce, distribute, modify, create derivative works of, publicly display or otherwise exploit any Platform content without prior written authorisation from 92koko.

12.1 Platform Availability. 92koko provides the Platform on an "as is" and "as available" basis. We do not warrant that the Platform will be uninterrupted, error-free or free from viruses or other harmful components.

12.2 Exclusion of Warranties. To the fullest extent permitted by applicable law, 92koko expressly disclaims all warranties, whether express, implied, statutory or otherwise, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

12.3 Indirect Losses. In no event shall 92koko be liable to you for any indirect, incidental, special, consequential, punitive or exemplary damages, including but not limited to loss of profits, loss of data or goodwill, arising from or in connection with your use of or inability to use the Platform.

12.4 Gambling Losses. 92koko accepts no liability for gambling losses incurred by Players. You acknowledge that gambling involves financial risk and that you accept that risk voluntarily in accordance with these Terms.

12.5 Maximum Liability. To the extent permitted by law, 92koko's total aggregate liability to you for any claim arising under or in connection with these Terms shall not exceed the total amount deposited by you in the ninety (90) days immediately preceding the event giving rise to the claim.

13.1 Commitment. 92koko is committed to promoting responsible gambling practices. Gambling should be an enjoyable entertainment activity and must not be used as a means of generating income or alleviating financial difficulties.

13.2 Player Tools. The following responsible gambling tools are available to all registered Players via the account settings dashboard:

• Deposit Limits — daily, weekly and monthly caps on deposits, which take effect immediately when set and cannot be increased within the cooling-off period;
• Session Time Limits — maximum duration controls for active gaming sessions;
• Loss Limits — caps on the amount a Player can lose within a defined period, after which further play is restricted;
• Reality Checks — periodic on-screen reminders of time elapsed during a session;
• Self-Exclusion — voluntary account access restrictions for a defined period (minimum: 6 months) or permanently.

13.3 Underage Gambling Prevention. 92koko employs age verification procedures at registration and during the KYC process. 18+ only, or the higher minimum required by the operator or license jurisdiction. Local laws in Pakistan may impose additional restrictions. It is also the responsibility of account holders to ensure that minors do not access the Platform through their devices or accounts.

13.4 Problem Gambling. If you believe you may have a gambling problem, we strongly encourage you to use the self-exclusion tool immediately and seek support from recognised problem gambling support resources available in the license jurisdiction. Our support team can assist in facilitating self-exclusion without judgment.

The collection, processing and storage of your personal data by 92koko is governed by our Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference.

By registering an account and using the Platform, you consent to the processing of your personal data as described in the Privacy Policy. 92koko will never sell your personal data to third parties for marketing purposes.

All data transmissions between your device and the Platform are encrypted using industry-standard SSL (Secure Sockets Layer) technology. Account security is further reinforced through two-factor authentication (2FA), which we strongly encourage all Players to activate.

15.1 Governing Law. These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which 92koko holds its operating license, without regard to its conflict-of-law provisions.

15.2 Pakistan-Specific Disclaimer. Pakistan has gambling restrictions, including under the Prevention of Gambling Act, 1977. 92koko is not licensed, approved, endorsed or regulated by the Government of Pakistan, the PTA, the State Bank of Pakistan, any provincial authority, or any Pakistani bank or payment institution. Reference to Pakistani payment methods (such as Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank and Bank Alfalah) on the Platform is for general local context only. None of these entities endorses, supports or is affiliated with 92koko.

15.3 Player Responsibility. It is the sole responsibility of each Player to determine whether their participation on the Platform is lawful in their jurisdiction. 92koko does not provide legal advice. If you are uncertain about the legality of online gambling in your location, you must seek independent legal counsel before registering.

15.4 Dispute Resolution. Any dispute arising from or in connection with these Terms shall first be referred to our customer support team for attempted informal resolution. If the matter cannot be resolved informally within thirty (30) days, it shall be referred to arbitration or the dispute resolution body of the applicable licensing authority.

16.1 Right to Amend. 92koko reserves the right to amend, update or replace these Terms at any time. Material changes will be notified to registered Players via email or an on-platform notification prior to the effective date of the changes.

16.2 Effective Date. Updated Terms shall take effect on the date specified in the revision notice. The version of the Terms in force at the time any transaction or wager is placed shall govern that transaction.

16.3 Continued Use. Your continued access to or use of the Platform after the effective date of any amended Terms constitutes your acceptance of those amendments. If you do not accept the amended Terms, you must cease using the Platform and contact support to request account closure.

16.4 Archives. Prior versions of these Terms are retained internally and are available on request by contacting our support team.

If you have any questions, concerns or complaints relating to these Terms & Conditions, or any other aspect of the 92koko Platform, please contact our support team through one of the following channels:

For disputes relating to specific bets or promotions, please include your account username, the relevant bet reference or promotion name, and a clear description of your query to help us resolve your matter efficiently.