92co Terms and Conditions

1Introduction

These Terms and Conditions ("Terms") govern the relationship between you ("the Player", "you", "your") and 92co ("we", "us", "the Platform") in connection with your use of the website at 92co.win and the associated mobile application. By accessing or using any part of the 92co platform — including sports betting, live casino, slots, bingo, deposits, withdrawals or any promotional offer — you are confirming that you have read these Terms, that you understand them, and that you agree to be bound by them.

These Terms apply to all registered users of 92co, including users who access the platform via the mobile app or through a browser on any device. These Terms should be read alongside the Privacy Policy and the Responsible Gaming Policy, both of which form part of the agreement between you and 92co.

We reserve the right to update or amend these Terms at any time. When changes are made, the "Last Updated" date at the top of this page will be revised. Continued use of the platform after changes are published constitutes your acceptance of the revised Terms.

2Eligibility

To be eligible to use 92co, you must:

• Be at least 18 years of age at the time of registration.
• Be accessing the platform from a location where doing so is not restricted or prohibited by local law.
• Not have been previously excluded or banned from the platform.
• Be registering as an individual for personal use only — corporate or commercial use is not permitted without prior written approval.
• Not be acting on behalf of another person or organisation.

92co reserves the right to request proof of age at any time. If a player is found to be under 18 or has provided false age information, the account will be closed immediately and any balance — including winnings — will be forfeited pending investigation.

3Account Registration

Each person is permitted to hold one account only on 92co. Creating duplicate or multiple accounts is a breach of these Terms and may result in all associated accounts being suspended, balances being frozen and winnings being voided.

When registering, you must provide accurate, current and complete information including your name, date of birth, and contact details. You are responsible for keeping your account information up to date. If you change your phone number, email address or payment details, please update your account as soon as possible.

You are responsible for maintaining the security of your login credentials. You must not share your username or password with any other person. 92co will never contact you to ask for your password. If you suspect that your account has been accessed without your permission, contact our support team immediately through in-app chat.

Account verification may be required before withdrawals are processed. This typically involves confirming your identity through a government-issued document and confirming the payment method you are using. This is a standard process and exists to protect your account and funds.

4Deposits & Payments

All deposits on 92co are processed in Pakistani Rupees (PKR). There is no currency conversion required, and no exchange rate margin applied to your balance. What you deposit is what appears in your account.

Supported deposit methods currently include:

• JazzCash — mobile wallet transfers processed in minutes.
• Easypaisa — mobile wallet transfers, same-day processing.
• Raast — instant bank-to-bank transfer via Pakistan's national payment system.
• Bank Transfer — standard interbank transfer, typically processed within one business day.
• Debit/Credit Cards — Visa and Mastercard where supported by your issuing bank.

Minimum and maximum deposit amounts vary by payment method and may be updated from time to time. The current limits are displayed on the Deposit page. 92co does not charge a processing fee on deposits, though your bank or mobile wallet provider may apply their own charges.

All deposits must come from a payment method registered in your own name. Deposits made from third-party accounts — whether a friend, family member or any other person — are not permitted and may be returned or result in account review.

5Withdrawals

Withdrawal requests are processed to verified accounts only. Before your first withdrawal, you may be asked to complete an identity verification step. This is a one-time process designed to protect your funds and ensure that withdrawals are sent to the correct person.

Withdrawals are processed to the same payment method used for the most recent deposit. This is a standard anti-fraud measure. If you wish to withdraw to a different method, please contact support to discuss your options before submitting the request.

Processing timelines for withdrawals are as follows:

• JazzCash / Easypaisa: Typically same-day for verified accounts during business hours.
• Raast: Usually within a few hours on business days.
• Bank Transfer: One to two business days depending on your bank.

92co does not charge a withdrawal fee. However, if your account has an active bonus with pending wagering requirements, the bonus-related funds cannot be withdrawn until those conditions are completed. Real-money balances that are not tied to an active bonus are available for withdrawal at any time.

We reserve the right to delay or decline a withdrawal request if we have reasonable grounds to suspect fraudulent activity, account misuse, or a breach of these Terms. In such cases, we will contact you to explain the situation and request any necessary information.

6Betting Rules

92co offers sports betting across cricket, Pakistan Super League (PSL), T20 internationals, football, esports and other markets. Bets may be placed pre-match or in-play, depending on the market and event.

The following rules apply to all bets placed on the platform:

• Once a bet is confirmed and accepted by the platform, it cannot be cancelled or modified by the player.
• Bets are settled based on the official result of the relevant sporting event as confirmed by the governing body (e.g. the Pakistan Cricket Board for PSL matches).
• In the event of a match being abandoned or postponed, bets will be settled according to the specific rules for that market, which are displayed alongside the market at the time of betting.
• 92co reserves the right to void any bet that was placed at an obviously incorrect price due to a technical error or human error in the odds compilation process. In such cases, the stake will be returned to your account balance.
• Bets placed after the official start time of an event — where this is not an in-play market — may be voided at our discretion.
• Maximum payout limits per bet and per event may apply. Current limits are displayed in the platform.

7Casino & Bingo

92co offers live casino games including roulette, blackjack and baccarat, as well as slots and bingo rooms. These games are available through the same PKR account balance used for sports betting. All casino and bingo activity is subject to these Terms in addition to any game-specific rules displayed within the game interface.

Key rules for casino and bingo use:

• Game outcomes are determined by certified random number generators (RNG) or live dealer action. 92co does not influence the outcome of any game.
• Bingo tickets are purchased and confirmed at the time of purchase. Purchased tickets cannot be refunded once a game round has begun.
• Session history for all casino and bingo activity is stored in your account and available to review from the transaction history section.
• If a game session is disconnected due to a network error on your device, the game state is preserved server-side and the session can be resumed when you reconnect. In the event of a platform-side technical failure during a game, the relevant round will be resolved in your favour where the outcome was already determined, or voided and staked refunded where it was not.

8Bonuses & Promotions

92co runs a range of promotional offers including welcome bonuses, deposit match bonuses, free bet credits and seasonal promotions tied to PSL and international cricket. All active promotions are listed on the Promotions page with their full terms.

The following general rules apply to all bonuses unless a specific promotion states otherwise:

• Bonuses are credited in PKR and are subject to wagering requirements before they can be converted to withdrawable cash.
• Wagering requirements, eligible games, minimum odds and expiry dates are stated on the relevant promotion page. These terms take precedence over any general statement about bonuses.
• Only one welcome bonus is available per player, per household and per device. Attempting to claim a welcome bonus through multiple accounts is considered bonus abuse and will result in all bonuses being forfeited.
• 92co reserves the right to withdraw, amend or expire any promotional offer at any time. Where this happens, players who have already opted in to a promotion will be given reasonable notice or allowed to continue under the original terms where practicable.
• Bonuses cannot be transferred between accounts or exchanged for cash directly without meeting wagering conditions.

9Account Suspension & Closure

92co reserves the right to suspend, restrict or permanently close any account where we have reasonable grounds to believe that:

• The player has provided false or misleading information during registration or verification.
• The account is being used in a manner that constitutes fraud, money laundering or any other illegal activity.
• The player is under 18 years of age.
• The account is being used in breach of these Terms, including abuse of promotional offers.
• There is suspicious betting activity that suggests insider knowledge or coordination with others for corrupt purposes.
• The player has requested self-exclusion through the responsible gaming tools.

Where an account is suspended for investigation, we will aim to complete the review within a reasonable timeframe and communicate the outcome to the registered contact. Funds held in a verified account that are not subject to bonus conditions or an ongoing investigation will be returned to the player through their registered payment method once the review is concluded in their favour.

You may also choose to close your own account at any time by contacting the support team. If you are closing your account for responsible gaming reasons, we encourage you to use the self-exclusion tool first to ensure immediate effect while the closure is processed.

10Privacy & Data

92co collects and processes personal data in accordance with our Privacy Policy, which forms part of these Terms. By using the platform, you consent to the collection and use of your data as described in that document.

Key points regarding data on 92co:

• Personal data collected during registration and verification is used for account management, fraud prevention, identity verification and communicating with you about your account.
• Transaction data, including deposits, withdrawals and bet history, is retained as required for financial record-keeping and audit purposes.
• 92co uses industry-standard encryption to protect data in transit and at rest.
• Your data will not be sold to third parties for marketing purposes. It may be shared with payment processors and identity verification providers strictly as necessary to operate the platform.

11Responsible Gaming

92co is designed for adults who enjoy betting as a form of entertainment. We take responsible gaming seriously and provide tools to help every player stay in control of their spending and time on the platform.

The following tools are available to all registered players from the account settings dashboard:

• Deposit Limits: Set a maximum PKR amount you can deposit per day or per week. Limits take effect immediately when set and can only be decreased immediately — increases require a cooling-off period.
• Session Time Reminders: Configure an alert that notifies you after a specified period of continuous use, so you are always aware of how long you have been playing.
• Self-Exclusion: Temporarily or permanently block your own access to the platform. This applies across all product areas — sports, casino and bingo. Self-exclusion takes effect immediately and cannot be reversed during the chosen exclusion period.

If you feel that your betting is no longer within the bounds of enjoyable entertainment and is causing stress, financial pressure or other problems, we strongly encourage you to use the self-exclusion tool or contact our support team. Betting should be fun — if it stops being fun, it is time to step away.

For more information on managing your betting activity, visit our dedicated Responsible Gaming page.

12Limitation of Liability

To the fullest extent permitted by applicable law, 92co shall not be liable for any loss or damage arising from your use of the platform, including but not limited to:

• Loss of funds resulting from your own betting decisions.
• Technical failures caused by your device, internet connection or third-party services outside our control.
• Interruption to service caused by maintenance, security incidents or circumstances beyond 92co's reasonable control.
• Unauthorised access to your account where you have failed to maintain the security of your credentials.

Nothing in these Terms limits our liability for fraud, death or personal injury caused by negligence, or any other matter where limitation of liability is not permitted by law.

The platform is provided on an "as is" basis. While we work hard to maintain uptime and performance, we do not guarantee uninterrupted access to 92co at all times. Scheduled maintenance will be communicated in advance where possible.

13Changes to These Terms

92co reserves the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. For significant changes that materially affect your rights or obligations, we will endeavour to notify registered players via in-app notification or email.

Your continued use of the platform after any changes are published constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you should cease using the platform and may contact support to close your account.

We recommend checking this page periodically — particularly before using a new feature or claiming a new promotion — to ensure you are aware of the current terms governing your use of 92co.

14Contact Us

If you have any questions about these Terms and Conditions, or if you need clarification on any point, please contact the 92co support team. We are available through in-app live chat for the fastest response, and also by email.