cd99 Terms & Conditions — Your Complete Player Agreement

1. Introduction and Acceptance

These Terms and Conditions (hereinafter "Terms") constitute a legally binding agreement between you (the "Player" or "User") and cd99 (hereinafter "cd99", "we", "us", or "our"), the operator of the online betting and casino platform accessible at https://cd99.io. By accessing the cd99 platform, creating an account, making a deposit, or placing any bet or wager, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree to any part of these Terms, you must not use the cd99 platform. cd99 reserves the right to update or amend these Terms at any time. Continued use of the platform following notification of any amendment constitutes your acceptance of the revised Terms.

These Terms should be read in conjunction with the cd99 Privacy Policy and the Responsible Gaming Policy, both of which are incorporated herein by reference and form part of the overall agreement between you and cd99.

2. Eligibility

Access to and use of the cd99 platform is subject to the following eligibility conditions, all of which must be satisfied at the time of registration and at all times during your use of the platform:

• You must be a natural person aged 21 years or older. cd99 does not permit access by any person under the age of 21 under any circumstances.
• You must be accessing the platform from a jurisdiction in which online betting and casino gaming is not explicitly prohibited for individual users.
• You must not be a current employee, director, officer, or contractor of cd99, or an immediate family member of such a person.
• You must not have been previously excluded, banned, or suspended from the cd99 platform for any reason, including self-exclusion.
• You must have the legal capacity to enter into a binding contract under the laws applicable to you.

cd99 reserves the right to request documentary proof of eligibility at any time. Failure to provide satisfactory proof within the timeframe specified by cd99 may result in account suspension or closure and forfeiture of any pending withdrawals pending resolution.

3. Account Registration

To access the full range of services on cd99, you must register a personal account. The following rules apply to account registration and maintenance:

3.1 One Account Per Person

Each individual may register and maintain only one cd99 account. Operating multiple accounts — whether under your own name, under a different name, using a different email address, mobile number, or device — is strictly prohibited. Where duplicate accounts are identified, cd99 will close all accounts associated with that individual and may forfeit any balances held therein.

3.2 Accurate Information

You must provide complete, accurate, and current information at the time of registration and must update your account details promptly if any information changes. cd99 will not be liable for any loss arising from inaccurate, incomplete, or outdated account information provided by you.

3.3 Login Credentials

You are solely responsible for the security and confidentiality of your username and password. You must not share your login credentials with any other person. cd99 will treat any activity carried out using your credentials as activity authorised by you, unless you have reported a security breach to cd99 in writing at [email protected] prior to the activity in question.

3.4 Account Currency

All cd99 accounts are denominated in Bangladeshi Taka (BDT). The ৳ symbol is used throughout the platform to denote amounts in BDT. cd99 does not currently support multi-currency accounts. All deposits, wagers, winnings, bonus amounts, and withdrawals are processed in BDT.

4. Identity Verification (KYC)

cd99 operates a Know Your Customer (KYC) verification process in accordance with responsible gaming and anti-money laundering obligations. You may be required to provide identity verification documentation at any of the following stages:

• Prior to processing your first withdrawal request.
• When your cumulative deposits or withdrawals exceed specified thresholds as determined by cd99 from time to time.
• When cd99 has reasonable grounds to suspect that account activity is irregular, fraudulent, or inconsistent with the information provided at registration.
• At any time at the reasonable discretion of the cd99 compliance team.

Acceptable verification documents include, but are not limited to: a valid National Identity Card (NID), passport, birth certificate, or other government-issued photo identification. cd99 may also request proof of address or proof of payment method ownership (for example, a screenshot of your bKash or Nagad account showing your registered mobile number).

Withdrawals may be placed on hold pending completion of the KYC process. cd99 is not liable for any delay in withdrawal processing caused by a player's failure to provide the required documentation in a timely and satisfactory manner.

5. Deposits and Withdrawals

5.1 Accepted Payment Methods

cd99 currently accepts deposits and processes withdrawals via the following payment channels: bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, BRAC Bank, and City Bank. The availability of specific payment methods may change from time to time; players should consult the Cashier section of the platform for the current list of active methods.

5.2 Minimum and Maximum Transaction Limits

Minimum and maximum deposit and withdrawal limits apply to each payment method and are displayed in the Cashier section of the platform. cd99 reserves the right to adjust these limits at any time. Deposits that fall below the stated minimum will not be credited to your account.

5.3 Processing Times

Deposits via bKash and Nagad are typically credited to your cd99 wallet within 60 seconds of a successful transaction. Rocket and Upay deposits are processed within a similar timeframe. Bank transfers may take longer depending on the processing schedules of the relevant financial institution. Withdrawal processing times are as follows: mobile wallet withdrawals (bKash, Nagad, Rocket, Upay) are typically completed within 30 to 60 minutes; bank transfers may take up to two business days. All times are indicative and may be affected by KYC requirements, payment provider downtime, or cd99 compliance reviews.

5.4 Withdrawal Conditions

Withdrawals will only be processed to a payment method that has previously been used to make a deposit into the same account, or to a method that has been verified as belonging to the account holder through the KYC process. cd99 reserves the right to request additional verification before processing any withdrawal, regardless of the amount. cd99 does not charge a withdrawal fee, but your payment provider may apply their own charges.

5.5 Unclaimed Balances

If your cd99 account remains inactive (no login, deposit, or withdrawal activity) for a continuous period of 12 months or more, cd99 reserves the right to classify the account as dormant. Dormant accounts may be subject to an administrative fee as notified to the account holder. You may reactivate a dormant account by contacting [email protected].

6. Bonus and Promotional Terms

cd99 offers a range of bonuses and promotional offers to both new and existing players. All bonuses are subject to the following general terms in addition to any specific terms published alongside each individual promotion:

• Wagering Requirements: Bonus funds must be wagered a specified number of times (the "wagering requirement" or "playthrough requirement") before they or any winnings derived from them may be withdrawn. The wagering requirement for each promotion is stated in its specific terms and conditions.
• Minimum Odds and Game Restrictions: Some bonuses may only be used on bets at or above a minimum odds threshold, or may be restricted to specific game categories (for example, cricket betting markets, live casino tables, or slots). Game restrictions are stated in the relevant promotion's terms.
• Time Limits: All bonuses have an expiry period from the date of issue. Bonus funds and any associated winnings that have not been withdrawn before the expiry date will be forfeited automatically.
• One Bonus at a Time: Only one bonus may be active in your account at any given time unless the specific promotion terms expressly state otherwise.
• Abuse and Fraud: cd99 reserves the right to void any bonus and withhold any associated winnings where there is evidence of bonus abuse, exploitation of a system error, or bad-faith participation in a promotion. This includes but is not limited to creating multiple accounts to claim the same welcome offer, or using arbitrage strategies designed to produce a guaranteed profit from bonus funds.
• Seasonal Promotions: Special offers tied to cultural events such as Eid, Pohela Boishakh, BPL season, or the T20 World Cup are subject to their own specific terms published at the time of the promotion.

7. Betting and Gaming Rules

All bets and wagers placed on the cd99 platform are subject to the specific rules of the relevant game or sports market, as well as the following general provisions:

7.1 Bet Acceptance

A bet is considered accepted and confirmed only when cd99's system has issued a unique bet confirmation reference number. Until such confirmation is issued, no bet has been placed. In the event of a technical fault during the bet placement process, the relevant bet will be voided and any staked amount will be returned to your account balance.

7.2 Minimum and Maximum Stakes

Minimum and maximum stake limits apply to all betting markets and casino games on cd99. These limits are displayed within each game or market. cd99 reserves the right to apply individual account-level stake limits where there are reasonable grounds to do so, including in cases of suspected professional or syndicate betting.

7.3 Errors and Obvious Mistakes

In the event that a bet is offered or accepted due to an obvious error in pricing, odds, or game configuration — including but not limited to system errors, human error, or feed errors — cd99 reserves the right to void the relevant bet(s) and return the staked amount to the player's account. cd99 will not be liable for any loss of anticipated winnings arising from an error that has been voided under this provision.

7.4 Live Betting

In-play (live) betting markets on cricket, football, and other sports are subject to rapid change. Bets placed on live markets are accepted at the odds displayed at the precise moment of acceptance. cd99 is not responsible for odds changes that occur between the time a player initiates a bet and the time the bet is confirmed by the system.

7.5 Casino Games

All casino games available on cd99, including live dealer games from Evolution Gaming, Ezugi, and Pragmatic Play Live, as well as slot titles and card games, are governed by the rules of the respective game as published by the game studio. cd99 hosts these games under agreements with certified providers and does not alter the underlying game mechanics or RNG configurations.

8. Prohibited Conduct

The following conduct is strictly prohibited on the cd99 platform. cd99 reserves the right to void bets, suspend accounts, close accounts permanently, and withhold balances where prohibited conduct is identified:

• Using automated betting software, bots, scripts, or any other technology that enables non-human interaction with the platform.
• Colluding with other players to gain an unfair advantage in any game, tournament, or betting market.
• Engaging in match-fixing or using inside information not available to the general public when placing sports bets.
• Attempting to launder money or use the cd99 platform as a vehicle for any financial crime.
• Exploiting software glitches, errors, or vulnerabilities for financial gain.
• Engaging in systematic arbitrage or "sure-betting" strategies that are designed to guarantee a profit at cd99's expense, where such activity falls outside the bounds of normal recreational betting.
• Providing false identity information, submitting fraudulent documentation, or impersonating another person.
• Attempting to access another player's account without authorisation.
• Engaging in any conduct that is abusive, threatening, or harassing toward cd99 staff or other players.
• Circumventing a self-exclusion by registering a new account or accessing the platform through a third party.

9. Account Suspension and Termination

cd99 reserves the right to suspend or terminate any player account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms.
• Failure to complete the KYC verification process within the required timeframe.
• Suspected fraudulent, illegal, or prohibited conduct as described in Section 8.
• Receipt of a valid legal order, court order, or regulatory instruction requiring account closure.
• A player's own request for self-exclusion submitted via the Responsible Gaming tools or by written request to [email protected].

Upon account termination for breach of these Terms, cd99 reserves the right to void all open bets, forfeit any bonus balances, and withhold any winnings derived from prohibited conduct. Real-money deposits (excluding bonus funds and winnings derived from prohibited conduct) may be returned to the player at cd99's discretion following the completion of any relevant investigation.

10. Intellectual Property

All content on the cd99 platform, including but not limited to text, graphics, logos, images, software code, game interfaces, and branding elements, is the intellectual property of cd99 or its licensed content providers. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, recreational purposes only.

You must not reproduce, distribute, publicly display, modify, or create derivative works from any cd99 content without the express written permission of cd99. The cd99 brand name and logo are proprietary marks and may not be used in any context without prior written authorisation.

11. Privacy and Data Protection

cd99 collects, processes, and stores personal data in accordance with its Privacy Policy. By registering an account, you consent to the collection and use of your personal information as described in the Privacy Policy. cd99 employs 256-bit SSL encryption across the platform to protect data transmitted between your device and our servers. cd99 does not sell or rent your personal data to third parties for marketing purposes.

12. Responsible Gaming

cd99 is committed to promoting responsible gambling and providing tools that help players manage their gaming activity. The following responsible gaming features are available to all registered players:

• Deposit Limits: Set daily, weekly, or monthly deposit limits via your account settings. Limits take effect immediately and can only be decreased without a waiting period; requests to increase a limit are subject to a 24-hour cooling-off period.
• Session Time Reminders: Configure alerts that notify you when you have been logged in for a specified period of continuous play.
• Cooling-Off Periods: Temporarily suspend your account for a period of your choosing (24 hours, 48 hours, one week, or one month) via your account settings or by contacting [email protected].
• Self-Exclusion: Permanently or indefinitely exclude yourself from the cd99 platform. Self-exclusion requests are processed immediately and cannot be reversed for a minimum period of six months. During self-exclusion, cd99 will take reasonable steps to prevent you from accessing the platform.

cd99 is strictly for adults aged 21 and above. If you are concerned that gambling is having a negative impact on your life or the life of someone you know, please visit our Responsible Gaming page for guidance and further resources. You may also contact our support team directly at [email protected] at any time.

13. Limitation of Liability

To the maximum extent permitted by applicable law, cd99 shall not be liable for any loss or damage — whether direct, indirect, incidental, consequential, or punitive — arising from:

• Your use of, or inability to use, the cd99 platform.
• Any interruption, suspension, or termination of the platform or any part thereof.
• Errors, omissions, or inaccuracies in any content displayed on the platform.
• Unauthorised access to your account arising from your failure to secure your login credentials.
• Actions taken by cd99 in accordance with these Terms, including account suspension or bet voidance.
• Delays in deposit crediting or withdrawal processing caused by third-party payment providers, banking institutions, or telecommunications outages.

Nothing in these Terms shall limit cd99's liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

14. Amendments to These Terms

cd99 reserves the right to amend, update, or replace these Terms at any time. Where amendments are material, cd99 will endeavour to provide reasonable notice to registered players via email or a prominent notice on the platform. Your continued use of the cd99 platform after any amendment takes effect constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically. The effective date at the top of this document indicates when the current version came into force.

15. Governing Law and Disputes

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with applicable law. cd99 operates as a platform serving Bangladeshi players and will endeavour to resolve any dispute through good-faith negotiation in the first instance. If a dispute cannot be resolved informally, the parties agree to pursue resolution through the appropriate legal channels available in the relevant jurisdiction.

If you have a complaint about any aspect of the cd99 service, you should contact cd99 support in the first instance by emailing [email protected] with a clear description of your complaint. cd99 will acknowledge your complaint within two business days and provide a substantive response within ten business days of receipt.

16. Contact Information

If you have any questions about these Terms and Conditions, or about any aspect of your cd99 account, please contact the cd99 support team:

• Email: [email protected] (plain text — not a clickable link)
• Response Hours: 24 hours a day, 7 days a week, including Bangladesh public holidays
• Language: English

cd99 does not provide support via telephone or postal address. All formal correspondence regarding account disputes, KYC queries, self-exclusion requests, and legal matters must be submitted in writing to [email protected].