95ko Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("the User", "you") and 95ko ("we", "us", "the Platform"). By accessing or using the 95ko website at https://95ko.ws, registering an account, making a deposit, placing a bet, or claiming a bonus, you acknowledge 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 95ko platform.

These Terms apply to all products and services offered through the 95ko platform, including but not limited to sports betting, live casino, slot games, crash games and all promotional offers. 95ko reserves the right to update or modify these Terms at any time. Users will be notified of material changes via the platform. Continued use of the platform following any such update constitutes acceptance of the revised Terms.

To register and use the 95ko platform, you must satisfy all of the following eligibility requirements at the time of registration and at all times during the use of the platform:

• You must be at least 21 years of age. 95ko does not permit gambling by persons under 21 years old under any circumstances.
• You must be a natural person acting on your own behalf. Corporate accounts or accounts operated on behalf of a third party are not permitted.
• You must not be a resident of any jurisdiction where online gambling is explicitly prohibited by applicable law.
• You must not be an employee, contractor, director or agent of 95ko or any associated company, nor a close family member of such a person.
• You must not be subject to a self-exclusion order previously applied to your 95ko account or any other gambling platform.

95ko reserves the right to request documentary evidence of eligibility at any time. Where eligibility cannot be confirmed, 95ko may restrict or close the account and withhold any funds pending investigation. Providing false information to circumvent eligibility requirements constitutes a material breach of these Terms and may result in permanent account closure and forfeiture of all balances.

To access the full functionality of the 95ko platform, including the ability to deposit funds and place bets, you must register an account. Registration requires a valid Bangladesh mobile number and a password of your choosing. You must ensure that all information provided during registration is accurate, complete and up to date at all times. 95ko may request additional identity or address verification documents at any stage in accordance with its KYC procedures.

Each user is permitted to hold only one account on the 95ko platform. Opening or attempting to open multiple accounts — whether using the same or different personal details, mobile numbers or payment methods — is strictly prohibited. 95ko will suspend all duplicate accounts and reserves the right to confiscate any balances held across those accounts. With respect to account security, you agree to:

• Keep your password and login credentials strictly confidential and not share them with any third party under any circumstances.
• Notify 95ko customer support immediately if you suspect that your account has been accessed without your authorisation.
• Not allow any other person to access or use your account, including family members and friends.
• Log out of your account after each session, particularly when using a shared or public device.

95ko will not be held liable for any losses or damages resulting from unauthorised access to your account where such access occurred due to your failure to maintain the confidentiality of your credentials or your failure to notify 95ko of a suspected breach in a timely manner.

95ko supports deposits and withdrawals through the following payment channels: bKash, Nagad, Rocket, Upay, Visa, Mastercard, BRAC Bank, Dutch-Bangla Bank and City Bank. The minimum deposit amount is ৳500 and the minimum withdrawal amount is ৳500. 95ko does not charge platform fees on any deposit or withdrawal transaction. Third-party payment providers may apply their own transaction fees; 95ko has no control over these and accepts no liability for them.

All deposits are processed in real time and credited to your account immediately upon confirmation by the payment provider. Withdrawals are subject to the following processing timelines:

• Standard bKash and Nagad withdrawals: processed within 10 minutes of request approval.
• VIP account withdrawals: processed within 5 minutes of request approval as a priority service.
• Bank transfer withdrawals (BRAC Bank, Dutch-Bangla Bank, City Bank): processed within 1 to 3 business days subject to the receiving bank's processing schedule.
• Withdrawal requests may be subject to identity verification before processing. 95ko reserves the right to request KYC documentation at any point before approving a withdrawal.

All funds deposited into a 95ko account must be used for genuine gaming activity. Depositing and withdrawing funds without engaging in substantive gambling activity — known as "churning" — is prohibited and may result in account suspension and recovery of associated payment processing costs. 95ko reserves the right to reverse any withdrawal request that appears to be associated with fraudulent activity, money laundering or a breach of these Terms.

95ko offers a range of bonuses and promotional offers to eligible players, including a welcome bonus of up to ৳20,000 on the first deposit. All bonuses and promotions are subject to the specific terms published alongside each offer at the time it is activated, as well as the general bonus conditions set out in this section. In the event of any conflict between offer-specific terms and these general conditions, the offer-specific terms shall prevail.

The following general conditions apply to all bonuses and promotions on the 95ko platform unless otherwise specified in the applicable offer terms:

• Bonuses are credited to the bonus balance and are subject to a rollover (wagering requirement) before any associated winnings may be withdrawn. The applicable rollover multiplier for each offer is stated in the offer terms.
• Bonuses may only be claimed by the registered account holder to whom the offer was directed. Bonuses are not transferable between accounts.
• Free spins awarded as part of a promotion will expire within the time period stated in the offer terms. Winnings from free spins are subject to the rollover conditions of the applicable promotion.
• 95ko reserves the right to withdraw or modify any promotion at any time. Where a promotion is withdrawn while a user has an active bonus balance subject to wagering, 95ko will honour the existing rollover requirement on the current balance.
• Players who are found to be abusing the bonus system — including but not limited to using multiple accounts to claim the same offer, placing low-risk bets solely to fulfil wagering requirements, or colluding with others to exploit promotion mechanics — will have their bonus and any associated winnings voided and may face permanent account closure.

Seasonal and event-based promotions — including BPL season offers, Eid deposit match bonuses, Pohela Boishakh free spin bundles and T20 World Cup specials — are subject to their own dedicated offer terms in addition to these general conditions. Promotional offers are not available to players who are subject to a self-exclusion arrangement or who have applied a deposit limit that prevents them from qualifying for the minimum deposit threshold of the relevant offer.

95ko is committed to promoting responsible gaming practices across its platform. The platform is strictly for entertainment purposes and is intended solely for adults aged 21 years and above. Gambling involves financial risk and is not a reliable source of income. 95ko strongly encourages all users to set personal limits on their gaming activity and to take regular breaks.

Every 95ko account holder has access to the following responsible gaming tools, available at no cost from within the account settings at any time:

• Deposit Limits: Set daily, weekly or monthly deposit caps to control your total spending on the platform.
• Session Time-Outs: Temporarily pause your account for a defined period (24 hours, 7 days or 30 days) without permanently closing it.
• Self-Exclusion: Permanently close your account and request that 95ko blocks any future registration attempts using your personal details.
• Reality Checks: Enable periodic on-screen reminders showing your session duration and net gaming activity to help you stay in control.

The following activities are strictly prohibited on the 95ko platform. Engaging in any of the actions listed below constitutes a material breach of these Terms and may result in immediate account suspension, permanent closure, forfeiture of all balances and reporting to relevant authorities where required by law:

• Using the platform for any form of money laundering, financial fraud, or any activity that violates applicable anti-money laundering legislation.
• Using automated bots, scripts, software tools or artificial intelligence to place bets, exploit game mechanics, or gain an unfair advantage over other players or the platform.
• Colluding with other players to manipulate the outcome of any game or betting market, including match-fixing or chip dumping.
• Registering multiple accounts for the purpose of claiming the same promotional offer more than once, or assisting others to do so.
• Accessing or attempting to access another user's account without their express authorisation, or attempting to interfere with the platform's technical systems in any way.

95ko monitors all account activity for indicators of prohibited behaviour. Where prohibited activity is detected, 95ko will take immediate action including account suspension, balance forfeiture and — where required by applicable law — reporting of the activity and associated user details to the relevant financial intelligence or law enforcement authorities in Bangladesh.

All content on the 95ko platform — including but not limited to the website design, logo, graphics, text, software, game interfaces, data compilations and promotional materials — is the exclusive property of 95ko or its licensed content providers and is protected by applicable intellectual property law. No user may reproduce, copy, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from the 95ko platform without express prior written consent from 95ko.

The 95ko name, logo and brand identity are trade marks of 95ko. Unauthorised use of these trade marks — including in domain names, social media handles, marketing materials or any other public-facing context — is prohibited and may give rise to legal proceedings. Users are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, non-commercial gambling entertainment purposes only. This licence does not extend to any other use.

To the fullest extent permitted by applicable law, 95ko shall not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of the platform, including but not limited to loss of profits, loss of data, loss of goodwill, service interruption, or failure of the platform to function as expected. 95ko's total aggregate liability to any user in connection with any single claim or series of related claims shall not exceed the total net deposits made by that user in the 30-day period immediately preceding the event giving rise to the claim.

95ko does not guarantee uninterrupted or error-free access to the platform. Scheduled maintenance, unplanned technical outages and events outside 95ko's reasonable control — including telecommunications failures, power outages, natural disasters and government-mandated internet restrictions — may affect platform availability. 95ko will endeavour to notify users of planned maintenance in advance but accepts no liability for losses incurred during unavailability periods, provided that 95ko takes reasonable steps to restore service promptly.

95ko collects, processes and stores personal data in accordance with its Privacy Policy, which forms part of these Terms by reference. By using the 95ko platform, you consent to the collection and processing of your personal data as described in the Privacy Policy. Personal data collected by 95ko includes registration information, identity verification documents, transaction records, gameplay history and communication records. This data is used to operate the platform, verify eligibility, process payments, prevent fraud and comply with applicable legal obligations.

95ko implements industry-standard technical and organisational security measures to protect personal data against unauthorised access, disclosure, alteration or destruction. These measures include 256-bit SSL encryption for all data in transit, tokenisation of payment credentials and role-based access controls on internal systems. 95ko does not sell personal data to third parties. Data may be shared with payment processors, identity verification providers and regulatory or law enforcement bodies only to the extent necessary to fulfil the purposes described in the Privacy Policy.

95ko reserves the right to amend, update or replace these Terms at any time. Where changes are material — meaning they materially affect your rights or obligations as a user — 95ko will provide advance notice via a prominent notification on the platform, by email to the address registered on your account, or both. The notice period for material changes will be no less than 14 days from the date of notification, unless a shorter period is required to comply with applicable law or to address an urgent security or fraud risk.

Minor amendments — including corrections of typographical errors, clarifications that do not change the substance of a clause, or updates required to reflect changes in applicable law — may be made without advance notice but will be reflected immediately in the published version of these Terms. The version of these Terms that applies to any specific transaction or gaming session is the version in force at the time that transaction or session was initiated. Continued use of the platform following any amendment constitutes acceptance of the revised Terms.

These Terms shall be governed by and construed in accordance with the laws applicable to online gaming operations as observed by 95ko. Any dispute arising out of or in connection with these Terms or your use of the 95ko platform that cannot be resolved through good-faith communication between the parties shall be subject to binding arbitration. 95ko is committed to resolving user disputes promptly and fairly. Users are encouraged to contact the 95ko support team as a first step before initiating any formal dispute process.

If you have any questions about these Terms, or if you wish to raise a complaint or dispute, please contact the 95ko support team via the live chat feature available within the platform. The support team is available 24 hours a day, 7 days a week, aligned to Bangladesh Standard Time (BST, UTC+6). You may also contact 95ko by email at the address published in the footer of this website. 95ko aims to acknowledge all formal complaints within 24 hours and to provide a substantive response within 5 business days.