39ko's Terms & Conditions

1 Introduction & Acceptance

These Terms & Conditions ("Terms") govern the use of the 39ko platform and all its services. By browsing the 39ko website, creating an account, or using any game or betting service, you are automatically considered to have accepted these Terms. If you disagree with any part of these Terms, please refrain from using this platform.

These Terms have been drawn up in accordance with the laws and regulations of Bangladesh. The 39ko platform is for adults only — only individuals aged 21 or above may use this service.

1.1 Definitions

• "Platform" refers to the 39ko website, mobile version, and all associated services.
• "User" or "Member" refers to any individual registered on the platform.
• "Product" refers to casino games, sports betting, live games, and all other entertainment services.
• "Wallet" refers to the balance held in a user's account on the platform.
• "Bonus" refers to any promotional credit or reward granted by 39ko.

2 Account Registration & Eligibility

2.1 Eligibility Requirements

• You must be 21 years of age or older.
• You must be a resident of Bangladesh or located in a jurisdiction where use of this platform is legally permitted.
• Each individual may operate one account only. Creating multiple accounts is strictly prohibited and may result in account termination.
• All information provided at the time of account creation must be accurate, complete, and up to date.

2.2 Account Security

It is your responsibility to keep your login credentials (username and password) completely confidential. You are responsible for all activity carried out from your account. If you suspect that unauthorised access to your account has occurred, notify the 39ko support team immediately.

2.3 Account Verification

In the interest of security and fraud prevention, 39ko may request identity verification documents at any time. Deposits or withdrawals may be temporarily put on hold until verification is complete.

3 Deposits, Withdrawals & Payments

3.1 Accepted Payment Methods

39ko processes deposits and withdrawals exclusively through the following mobile banking methods:

• bKash
• Nagad
• Rocket (Dutch-Bangla Bank mobile wallet)
• Upay

3.2 Minimum Amounts

• Minimum deposit: ৳500 (per method)
• Minimum withdrawal: ৳800

3.3 Withdrawal Timeframe

Approved withdrawal requests are generally processed within 10 to 45 minutes. This time may increase if verification is pending or unusual activity is detected.

3.4 General Conditions

• Deposits and withdrawals must be made to and from an account in the same name and using the same method.
• Transactions using third-party wallets or accounts are not permitted.
• 39ko reserves the right to put any payment on hold for investigation if it appears suspicious.

7 Responsible Gaming & Self-Control

39ko is committed to responsible gambling. We prioritise player wellbeing and safety. This platform should be used for entertainment purposes only — not as a means of solving financial problems.

7.1 Self-Exclusion & Limits

Users may contact 39ko support to request deposit limits, betting limits, or a temporary break. We support responsible gaming measures and also offer permanent self-exclusion where needed.

7.2 Underage Protection

Use of this platform by anyone under the age of 21 is strictly prohibited. Parents and guardians are advised to use parental control software on their devices and to keep their login credentials secure.

For more information, visit our Responsible Gaming page.

8 Privacy & Data Protection

Your personal information is collected, stored, and used in accordance with 39ko's privacy policy. The platform uses SSL encryption technology to keep all transactions and personal data secure.

Your data is never sold to third parties. We use information solely to improve our service, verify security, and meet legal obligations.

To learn more, please read our Privacy Policy page.

9 Limitation of Liability

39ko provides its service on an "as is" basis. 39ko will not be liable for:

• Losses caused by technical issues, server downtime, or loss of internet connectivity.
• Errors or failures by third-party game software providers.
• Losses caused by the user's own negligence or breach of these Terms.
• Losses resulting from a security breach on the user's device or network.

In cases where 39ko's direct negligence is established, liability will be limited to the amount of the transaction in question.

10 Changes to Terms & Enforceability

10.1 Right to Amend

39ko reserves the right to change, amend, or update these Terms at any time. Users will be given as much advance notice as reasonably possible for significant changes. Continued use of the platform after a change to the Terms will be considered acceptance of the new Terms.

10.2 Severability

If any individual clause of these Terms is found to be invalid or unenforceable, the remaining clauses will continue in full effect.

10.3 Entire Agreement

These Terms, the Privacy Policy, and the Responsible Gaming guidelines together form the entire agreement between the user and 39ko, and replace all previous oral or written understandings.

11 Contact & Complaints Process

If you have any questions, objections, or complaints about these Terms or 39ko's services, please contact our support team. We provide assistance in both Bengali and English, 24 hours a day, 7 days a week.

After a complaint is submitted, our team will aim to respond within a reasonable time. Complex matters may take additional time.