92co Terms and Conditions – Pakistan Players

1Introduction

Welcome to 92co. These Terms and Conditions ("Terms") apply to all services offered through the 92co platform, including sports betting, casino games, fish games, live casino and any other gaming products available on the website or through the 92co mobile app. The platform is operated under the 92co brand and these Terms constitute the entire agreement between you and 92co regarding your use of the platform.

By creating an account, making a deposit or placing a bet at 92co, you confirm that you are at least 18 years of age, that the information you have provided is accurate and truthful and that you accept these Terms in full. These Terms apply to all players accessing 92co from Pakistan or elsewhere.

92co reserves the right to update or amend these Terms at any time. Changes will be posted on this page and will take effect from the date of publication. Continued use of the platform after any changes constitutes acceptance of the revised Terms. It is your responsibility to check this page periodically for updates.

2Eligibility

To register and use a 92co account you must meet all of the following requirements at all times:

• You must be at least 18 years of age.
• You must be a natural person — corporate accounts are not permitted.
• You must not already have an existing active or suspended 92co account.
• You must not be acting on behalf of another person or using a shared device to register on their behalf.
• You must have the legal capacity to enter into binding agreements under applicable law.

92co operates as an online entertainment platform. It is your sole responsibility to verify whether online gaming is permitted in your specific jurisdiction and to comply with all applicable local laws. 92co does not represent, warrant or imply any specific legal status in any territory.

3Account Registration and Management

3.1 One Account Per Player

Each player is permitted to hold exactly one 92co account. Creating multiple accounts — whether under the same name, CNIC, phone number, IP address or payment method — is strictly prohibited. Duplicate accounts will be closed and balances in secondary accounts may be forfeited.

3.2 Accurate Information

When registering, you must provide complete, accurate and up-to-date information including your full name as it appears on your CNIC, a valid Pakistani mobile number and a working email address. Any inaccurate information may result in account suspension and delayed withdrawals.

3.3 KYC Verification

Before your first withdrawal is processed, you are required to complete identity verification. This involves submitting a copy of your CNIC, confirming your mobile number and providing the bank account or mobile wallet details you will use for withdrawals. KYC is a one-time process. Accounts that have not completed verification will have withdrawals held until verification is completed.

3.4 Account Security

You are solely responsible for maintaining the security of your login credentials. Do not share your password with anyone. If you suspect your account has been accessed by an unauthorised person, contact support immediately. 92co will not be held liable for losses resulting from you sharing your account details with a third party.

3.5 Inactive Accounts

An account that has had no login activity for 12 consecutive months is considered inactive. 92co reserves the right to apply a monthly inactivity fee of PKR 100 to inactive accounts, deducted from the available balance. Accounts with a zero balance after prolonged inactivity may be closed. You can reactivate your account by logging in at any time before closure.

4Deposits and Payments

All deposits at 92co are made in Pakistani Rupees (PKR). The following payment methods are supported for deposits:

92co does not charge deposit fees. However, your bank or mobile wallet provider may apply transaction charges on their end — this is outside our control.

Deposits must be made from payment accounts that are registered in your own name and match the details on your 92co account. Deposits from third-party accounts are not accepted and will be reversed. Depositing funds does not guarantee that you will win — all games and bets carry a risk of loss.

5Withdrawals

Withdrawals are available to all verified 92co account holders. You can withdraw real money balances at any time, subject to the conditions below.

5.1 Minimum and Processing Times

The minimum withdrawal amount is PKR 500 for mobile wallets and PKR 1,000 for bank transfers. For verified accounts, JazzCash and Easypaisa withdrawals typically process within one to three hours during business hours. Bank transfers settle the same business day for requests submitted before 5pm PKT or by the following morning for later requests.

5.2 Withdrawal Method

Withdrawals must be made to an account registered in your own name that matches your verified CNIC details. 92co does not process withdrawals to third-party accounts under any circumstances. If your withdrawal account changes, you will need to re-verify the new payment details before a withdrawal can be processed.

5.3 Bonus Wagering Requirements

Funds received as a bonus — including welcome bonuses, reload bonuses and promotional credits — are subject to wagering requirements before they can be withdrawn. The wagering requirement for each bonus is stated at the time the bonus is offered. Generally, bonus funds must be wagered a minimum number of times (e.g., 10x or 20x) before a withdrawal of those funds is permitted. Real money deposits are not affected by bonus wagering requirements.

5.4 Right to Review

92co reserves the right to delay processing a withdrawal if there are reasonable grounds to investigate the account for fraud, bonus abuse or a breach of these Terms. In such cases, the player will be notified and verification may be requested. Reviews are typically completed within 48 hours.

6Bonuses and Promotions

92co regularly offers bonuses and promotions to both new and existing players. All bonuses are subject to the following general conditions unless the specific promotion states otherwise:

• Bonuses are available to one account per player, per household and per IP address.
• Bonus funds must be wagered the number of times specified in the promotion before withdrawal is permitted.
• Bets placed using bonus funds must meet the minimum odds requirement stated in the bonus terms (where applicable).
• Not all games contribute equally to wagering requirements. Fish games and slots typically contribute 100%; live casino table games may contribute less. The contribution rate for each game type is stated in the specific promotion terms.
• Bonuses have an expiry date. Any unwagered bonus funds remaining after expiry will be removed from your account automatically.
• 92co reserves the right to withdraw, modify or cancel any promotion at any time without prior notice.
• Evidence of bonus abuse — including coordinated play, deliberate low-risk bet strategies designed to clear wagering requirements, or creating multiple accounts to claim the same bonus — will result in the bonus being cancelled and the account reviewed.

7Sports Betting Rules

7.1 Bet Acceptance

All bets placed on 92co are subject to acceptance. 92co reserves the right to refuse or limit any bet at its discretion, including bets that appear to exploit a pricing error or system fault. Bets confirmed before a technical error is identified may be voided if the odds were clearly incorrect.

7.2 Bet Settlement

Sports bets are settled based on the official result declared by the relevant governing body — for cricket, this is the result confirmed by the Pakistan Cricket Board (PCB) or the ICC, depending on the competition. For PSL matches, the official result as declared by the PCB at the end of play governs settlement. Live in-play bets that have already been accepted and confirmed are not voided after the fact due to result changes, unless the match itself is declared void.

7.3 Abandoned or Void Matches

If a cricket match is abandoned before a valid result can be determined — for example, due to rain without a Duckworth-Lewis result being reached — pre-match bets will be voided and stakes returned. Matches that reach the minimum number of overs required for a valid result under DLS rules will be settled on the official result. Over-by-over and ball-by-ball live markets that settled before abandonment are not reversed.

7.4 Maximum Payouts

Maximum payout limits apply per event and per day. These limits are displayed at the time of bet placement. For major PSL fixtures and international cricket events, higher maximum bet limits typically apply. 92co reserves the right to limit the maximum stake on any market at any time.

7.5 Multiple / Accumulator Bets

Accumulator bets containing two or more selections will be settled based on all selections winning. If one leg of an accumulator is void — for example, due to a match abandonment — that selection is removed from the accumulator and the remaining legs continue. A single-selection accumulator after a void becomes a single bet.

8Prohibited Conduct

The following behaviours are strictly prohibited on the 92co platform and may result in account suspension, balance forfeiture and permanent ban:

• Registering or attempting to use more than one account.
• Providing false or misleading registration information.
• Using automated software, bots, scripts or other tools to place bets or interact with the platform.
• Exploiting bugs, errors or pricing mistakes in the platform to generate guaranteed profit.
• Colluding with other players to manipulate game or bet outcomes.
• Attempting to place bets on both sides of an outcome specifically to clear bonus wagering requirements with minimal risk.
• Using another person's payment method, account or credentials to deposit, play or withdraw.
• Money laundering or using the platform for any illegal financial transaction.
• Any attempt to hack, disrupt or interfere with the platform's systems.

9Responsible Gaming

92co is committed to providing a responsible gaming environment. Gaming and sports betting are forms of entertainment and should remain that way. It is your responsibility to manage your own gaming behaviour, set limits that are appropriate for your financial situation and take breaks when needed.

The following tools are available directly in your account settings:

• Deposit Limits: Set weekly or monthly maximum deposit amounts. Limits take effect immediately when reduced; increases require a cooling-off period.
• Session Reminders: Set notifications to alert you after a specified duration of continuous play.
• Self-Exclusion: Temporarily block access to your account for 30, 90 or 180 days. Reactivation after the period requires a deliberate action.

92co will never pressure players to continue playing, increase their deposits or ignore their own self-set limits. If you feel that your gaming is becoming a problem, please visit the Responsible Gaming page for guidance, tools and resources.

All players must be 18 or older. If you are aware of a minor using the platform, please contact support immediately.

10Privacy and Data

92co collects and processes personal data as described in the Privacy Policy. By registering an account, you consent to the collection and processing of your personal data for account management, payment processing, fraud prevention and marketing purposes (where you have opted in to marketing communications).

Your personal data — including CNIC details, mobile number and payment information — is stored securely and used only for the purposes described in the Privacy Policy. 92co does not sell your personal data to third parties. Data shared with payment processors and identity verification providers is limited to what is necessary for those specific purposes.

You have the right to request access to your personal data, correct inaccuracies and request account closure at any time by contacting support. Data retained for legal, fraud prevention or regulatory compliance purposes may be kept for up to seven years after account closure.

11Limitation of Liability

92co provides the platform on an "as available" basis. While we make every effort to ensure continuous, error-free service, we cannot guarantee that the platform will always be available or free from technical issues. Scheduled and emergency maintenance may temporarily affect access.

92co will not be held liable for:

• Losses arising from temporary platform unavailability, technical errors or connectivity issues.
• Losses resulting from your failure to secure your account credentials.
• Any indirect, consequential or financial losses beyond the funds held in your account.
• Decisions made by you regarding bets placed — including live bets made based on incorrect information from third-party sources.

In the event of a genuine platform error that results in an incorrect settlement, 92co reserves the right to correct the settlement and adjust balances accordingly. Players will be notified when such a correction affects their account.

12Changes to These Terms

92co may update these Terms at any time. When significant changes are made, we will display a notice on the platform and update the "Last Updated" date at the top of this page. It is your responsibility to review the Terms periodically.

If you disagree with any updated Terms, you should stop using the platform and contact support to close your account. Continued use of 92co after updated Terms have been posted constitutes acceptance of those changes.

For any questions about these Terms or your account, please contact our support team through the Live Chat or support email available on the platform.