Terms & Conditions — xbjl Platform Rules & User Agreement

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("the User", "you", "your") and xbjl ("we", "us", "our", "the Platform"), the operator of the online casino and sports betting platform accessible at xbjl.app and all associated subdomains, mobile applications, and related services.

By accessing any part of the xbjl platform — including but not limited to creating an account, logging in, making a deposit, placing a wager, or claiming a bonus — you confirm that:

• You have read and fully understood these Terms in their entirety;
• You agree to be legally bound by these Terms and all policies referenced herein, including the Privacy Policy and Responsible Gaming Policy;
• You meet all eligibility requirements set out in Section 2 of these Terms;
• You are acting on your own behalf and not as an agent for any third party.

If you do not agree to any part of these Terms, you must immediately cease using the xbjl platform and close your account. We reserve the right to update or amend these Terms at any time. Continued use of the platform following notice of any change constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Eligibility & Registration

2.1 Age Requirement

Use of the xbjl platform is strictly restricted to individuals who are 18 years of age or older. By registering an account, you warrant that you are at least 18 years old and that you have the legal capacity to enter into a binding contract in your jurisdiction. xbjl reserves the right to request age-verification documentation at any time. Any account found to belong to a user under the age of 18 will be immediately suspended and all funds may be confiscated in accordance with applicable law.

2.2 Geographic Eligibility

The xbjl platform is intended for use by residents of Bangladesh. It is your sole responsibility to ensure that online gambling is permitted in your specific location. xbjl makes no representations that its services are legal in any jurisdiction other than Bangladesh, and access from restricted territories is expressly prohibited. Users accessing the platform via VPN or proxy services in order to circumvent geographic restrictions do so in breach of these Terms.

2.3 One Account Per User

Each user is permitted to hold exactly one account on the xbjl platform. Creating duplicate, multiple, or linked accounts — whether under your own name or using different identities — constitutes a material breach of these Terms and will result in the suspension or permanent closure of all associated accounts, forfeiture of any balance held, and potential reporting to relevant authorities.

2.4 Registration Requirements

To register a valid xbjl account, you must provide accurate, complete, and up-to-date personal information, including your legal full name, date of birth, residential address in Bangladesh, and a valid mobile number or email address. xbjl relies on the accuracy of registration information to comply with its anti-money-laundering obligations and to facilitate Know Your Customer (KYC) verification. Any deliberate falsification of registration data will result in immediate account closure and forfeiture of all funds.

3. Account Obligations

3.1 Account Security

You are solely responsible for maintaining the confidentiality of your xbjl login credentials, including your username and password. You must not share your login details with any third party under any circumstances. xbjl will never ask you to disclose your full password via any communication channel. You agree to notify xbjl's customer support team immediately if you suspect any unauthorised access to your account or any breach of security.

All activity that occurs under your xbjl account — including bets placed, deposits made, and bonuses claimed — will be treated as having been authorised by you. xbjl accepts no liability for losses arising from your failure to keep your login credentials secure.

3.2 Accurate Account Information

You agree to keep all personal information registered to your xbjl account accurate and current at all times. If your name, address, mobile number, or payment details change, you must update your account promptly. Failure to maintain accurate account information may delay withdrawal processing and could result in account suspension pending re-verification.

3.3 Account Currency

xbjl accounts are denominated in Bangladeshi Taka (BDT, ৳). All deposits, wagers, winnings, bonuses, and withdrawals are processed in BDT. No currency conversion is applied to BDT transactions. Where a deposit is made in a different currency via an international payment method, xbjl's prevailing conversion rate will apply at the time of the transaction.

3.4 Self-Exclusion and Cooling-Off

If you have previously requested a self-exclusion period or a cooling-off break from xbjl, you must not attempt to open a new account or access the platform during that period. Any account opened in breach of a self-exclusion request will be closed immediately and all activity voided. If you need assistance with responsible gaming tools, please visit our Responsible Gaming page or contact our 24/7 support team.

4. Deposits & Withdrawals

4.1 Accepted Payment Methods

xbjl supports the following payment methods for deposits and withdrawals by Bangladesh-based players:

• Mobile Financial Services: bKash, Nagad, Rocket (Dutch-Bangla Bank), Upay
• International Cards: Visa, Mastercard
• Bank Transfer: BRAC Bank, City Bank, and other participating Bangladesh commercial banks

The availability of specific payment methods may change without prior notice. xbjl reserves the right to add or remove supported payment options at any time. Minimum and maximum deposit and withdrawal amounts are displayed within your xbjl account dashboard and are subject to change.

4.2 Deposit Processing

Deposits via bKash and Nagad are typically credited to your xbjl account balance within seconds of a confirmed transaction. Deposits via bank transfer may take up to 24 hours to reflect. xbjl does not charge fees on deposits, though your payment provider may apply their own transaction charges. You are responsible for any third-party fees associated with your chosen payment method.

4.3 Withdrawal Processing

Withdrawal requests submitted by verified accounts to bKash or Nagad are typically processed within 15 to 30 minutes during business hours (BST). Withdrawals to bank accounts may take 1 to 3 business days. Before any withdrawal can be processed, your account must have completed KYC verification and any applicable bonus wagering requirements must have been satisfied in full. xbjl reserves the right to conduct additional identity checks before releasing withdrawal funds.

4.4 Funds Belonging to Players

xbjl holds player funds in accounts that are operationally separated from the company's own operating capital. Verified withdrawal requests will be processed within the published timeframes. xbjl does not withhold legitimate winnings. Any dispute regarding a withheld withdrawal must be raised with customer support, with supporting transaction evidence, within 30 days of the disputed transaction date.

5. Bonus & Promotions

5.1 General Bonus Terms

All bonuses, free bets, free spins, cashback offers, and promotional credits offered by xbjl are subject to specific terms and conditions stated at the time of the offer. In the event of any conflict between a promotion-specific term and these general Terms, the promotion-specific term shall take precedence for that promotion only.

5.2 Wagering Requirements

Most bonuses issued by xbjl carry a wagering requirement, which specifies the total amount you must wager before bonus funds or winnings derived from bonus funds can be withdrawn as cash. Wagering requirements are stated as a multiplier of the bonus amount (for example, a 20x wagering requirement on a ৳1,000 bonus means you must place a cumulative total of ৳20,000 in qualifying bets before withdrawal is permitted). Not all games contribute equally to wagering requirements — contribution rates per game category are published in the individual bonus terms.

5.3 Bonus Eligibility

Bonuses are available to eligible accounts only. xbjl reserves the right to determine, at its sole discretion, whether an account qualifies for any particular promotion. Bonuses may be restricted to new members, existing members, or specific geographic areas within Bangladesh. Players who have previously self-excluded or who are under a cooling-off restriction are not eligible for any bonus offers during that period.

5.4 Bonus Abuse

xbjl employs automated and manual systems to detect bonus abuse, including but not limited to: creating multiple accounts to claim the same bonus, placing opposing bets across multiple accounts to guarantee a wagering outcome, exploiting errors or system vulnerabilities, and colluding with other players to satisfy wagering requirements artificially. Any account found to be engaged in bonus abuse will be suspended, all bonus funds and derived winnings will be forfeited, and the matter may be referred to relevant fraud-prevention bodies.

6. Betting & Gaming Rules

6.1 Sports Betting

All sports bets placed on xbjl are subject to the applicable event rules published on the platform at the time the bet is placed. xbjl reserves the right to void any bet placed on an event that is subsequently cancelled, postponed beyond the published settlement cut-off, or affected by circumstances that materially alter the integrity of the result. Live in-play bets accepted after the actual event outcome has been determined (due to data feed latency or technical error) will be voided and stakes refunded.

6.2 Casino and Slot Games

All casino game outcomes on the xbjl platform are determined by certified Random Number Generator (RNG) systems supplied by the respective game providers, including Pragmatic Play, NetEnt, Microgaming, Evolution Gaming, Ezugi, and Spribe. xbjl does not alter or influence game outcomes. Published Return to Player (RTP) percentages reflect theoretical long-term statistical averages and do not guarantee individual session results. Players are advised to review the game rules for each title before wagering.

6.3 Bet Acceptance

xbjl reserves the right to refuse or limit any bet, at any time and without providing a reason, at its sole discretion. This includes the right to set individual account stake limits where xbjl determines that unusual betting patterns may indicate fraud, match-fixing, or other integrity concerns. Bets are only confirmed once xbjl's system issues a confirmation reference. Oral acceptances, chat messages, or email communications do not constitute valid bet confirmations.

7. Prohibited Conduct

The following activities are strictly prohibited on the xbjl platform and constitute a material breach of these Terms:

• Registering or using an account if you are under 18 years of age;
• Providing false, misleading, or incomplete information during registration or KYC verification;
• Opening more than one xbjl account, whether in your own name or using a third party's identity;
• Using the platform for any money-laundering activity or depositing funds derived from illegal sources;
• Attempting to reverse-engineer, hack, scrape, or otherwise tamper with the xbjl platform or its underlying software;
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the platform in any way that circumvents normal user interaction;
• Exploiting software errors, bugs, or latency in data feeds to gain an unfair advantage in betting or gaming;
• Colluding with other players, dealers, or third parties to manipulate game or bet outcomes;
• Engaging in any form of match-fixing, insider betting, or corrupt wagering activity;
• Harassing, threatening, or abusing xbjl staff or other users via any communication channel;
• Accessing the platform from a jurisdiction where online gambling is prohibited;
• Allowing a third party to access or use your xbjl account on your behalf.

8. Account Suspension & Closure

8.1 Suspension by xbjl

xbjl may suspend or restrict an account at any time and without prior notice where it has reasonable grounds to believe that: the account holder has breached any provision of these Terms; the account is being used for fraudulent or illegal activity; or the account is subject to a dispute, investigation, or chargeback. During a suspension, the account holder may not deposit, wager, or withdraw funds. xbjl will endeavour to communicate the reason for suspension as soon as it is lawful and practical to do so.

8.2 Voluntary Account Closure

You may request the closure of your xbjl account at any time by contacting customer support via live chat. Before your account is closed, any pending withdrawal requests will be processed to your verified payment method. Bonus balances that have not met applicable wagering requirements will be forfeited upon account closure. xbjl will retain your account data in accordance with its Privacy Policy and applicable data-retention obligations.

8.3 Self-Exclusion Closure

Players who wish to close their account for responsible gaming reasons may request a self-exclusion, which prevents access to the platform for a specified period or permanently. Self-exclusion requests are processed within 24 hours and cannot be reversed during the chosen exclusion period. xbjl strongly encourages any player who feels that gambling is negatively affecting their life to use the self-exclusion tool immediately. Full details are available on the Responsible Gaming page.

8.4 Effect of Closure

Upon account closure, your right to access and use the xbjl platform ceases immediately. Any real-money balance remaining in a closed account (after deduction of any unmet wagering requirements) will be returned to you via your last verified payment method within a reasonable timeframe. xbjl is not liable for any losses incurred as a result of account closure where such closure was necessitated by a breach of these Terms.

8.5 Governing Law and Disputes

These Terms and any dispute or claim arising out of or in connection with them shall be subject to the laws of the applicable jurisdiction. In the event of any dispute between you and xbjl regarding these Terms, game outcomes, payment processing, or account management, you agree to contact xbjl's customer support team in the first instance to attempt an informal resolution. xbjl's decisions on disputes are final, subject to any applicable statutory rights you may hold as a consumer.

If you have any questions regarding these Terms & Conditions, please contact our support team via live chat or email at [email protected]. Our team is available 24/7, Bangladesh Standard Time (UTC+6).