Terms & Conditions — 12hbaj Platform Rules and User Agreement

1 Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("the Player", "you", "your") and 12hbaj ("we", "us", "our", "the Platform") with respect to your use of the 12hbaj online casino and sports betting platform, accessible at https://12hbaj.net and any associated mobile-optimised versions of the site.

By completing the account registration process, logging in to an existing account, making a deposit, placing a bet, or accessing any game, promotion, or content on the 12hbaj platform, you agree to be fully bound by these Terms. These Terms apply to all users of the platform regardless of whether they are registered account holders or unregistered visitors browsing the site.

12hbaj reserves the right to modify, update, or replace any part of these Terms at any time and without prior notice. When material changes are made, we will endeavour to communicate these changes to registered players via the email address associated with their account or via an on-site notification. Your continued use of the platform after any such modification constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically to ensure you remain aware of the current version.

These Terms should be read in conjunction with our Privacy Policy and Responsible Gaming Policy, both of which form an integral part of the overall agreement between you and 12hbaj.

2 Eligibility & Age Restriction

Access to the 12hbaj platform is restricted to individuals who meet all of the following eligibility criteria:

• You are at least 18 years of age. The minimum legal age to gamble on 12hbaj is 18. We do not permit gambling by anyone under the age of 18 under any circumstances.
• You are accessing the platform from a jurisdiction where online gambling is not explicitly prohibited by the applicable laws of your country or region of residence.
• You are acting on your own behalf as an individual, and not on behalf of any third party or as a representative of a business or commercial entity.
• You do not currently hold a self-exclusion status with 12hbaj or any affiliated platform, and you have not been excluded from gambling by a court order or regulatory directive.
• You are of sound mind and are not under the influence of alcohol or any other substance that may impair your judgement when making decisions on the platform.

12hbaj takes its age verification obligations seriously. We employ a multi-stage Know Your Customer (KYC) verification process and reserve the right to request proof of age documentation at any time. Where a player is found to be under the age of 18, the account will be immediately suspended, all funds will be returned to the payment method used for the original deposit (net of any bonuses claimed), and the matter may be referred to the relevant authorities. Any winnings accumulated by an underage player will be forfeited in their entirety.

3 Account Registration & Verification

To access the full functionality of 12hbaj — including making deposits, placing bets, and withdrawing winnings — you must register a player account. The registration process requires you to provide accurate, current, and complete information, including your full legal name, date of birth, residential address, email address, and preferred payment method details. You are responsible for maintaining the accuracy of this information throughout the life of your account.

One account per person: Each individual may register and maintain only one account on 12hbaj. The registration of duplicate accounts — whether using the same identity under different details, or using a different identity entirely — is strictly prohibited. Where duplicate accounts are identified, 12hbaj reserves the right to merge, suspend, or permanently close all accounts associated with that individual, and to forfeit any bonus funds or winnings generated across those accounts.

Account security: You are solely responsible for maintaining the confidentiality of your account login credentials, including your username and password. You must not share your account credentials with any other person. Any activity conducted through your account — whether or not authorised by you — is your sole responsibility. In the event that you suspect unauthorised access to your account, you must notify 12hbaj support immediately via live chat or by emailing [email protected].

KYC verification: Before processing any withdrawal request, 12hbaj is required to complete a full identity verification of the requesting account. Acceptable KYC documents include:

• A valid National Identity Card (NID), passport, or driving licence issued by the Government of Bangladesh
• A recent utility bill, bank statement, or official correspondence confirming your residential address (dated within the last three months)
• Proof of ownership of the payment method used for deposits (e.g., a screenshot of your bKash or Nagad registered mobile number)

12hbaj may request additional documentation at its discretion. Failure to provide the required KYC documentation within a reasonable timeframe (typically 14 days of the request being made) may result in withdrawal restrictions being applied to the account.

4 Deposits, Withdrawals & Payment Methods

All financial transactions on 12hbaj are processed in Bangladeshi Taka (BDT). The platform supports the following payment methods for both deposits and withdrawals: bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, Islami Bank, and Sonali Bank. Payment method availability may be subject to change; please refer to the cashier section of the platform for the current list of supported options.

Minimum and maximum limits: The minimum deposit amount is ৳200 for mobile financial services (bKash, Nagad, Rocket, Upay) and ৳500 for bank transfers. Minimum withdrawal amounts and maximum daily limits vary by payment method and are displayed in the cashier section at the time of requesting a withdrawal. 12hbaj reserves the right to adjust these limits at any time.

Deposit processing: Deposits made via bKash, Nagad, Rocket, and Upay are typically credited to your 12hbaj account within seconds of the transaction being confirmed by the mobile financial service provider. Bank transfer deposits may take between one and three business days to clear depending on the sending institution. 12hbaj is not responsible for delays caused by the payment provider.

Withdrawal processing: Withdrawal requests are processed by the 12hbaj finance team within 24 to 48 hours of the request being submitted, subject to successful KYC verification. Mobile financial service withdrawals are typically received within minutes of processing. Bank transfer withdrawals may take one to three business days to appear in your receiving account.

Payment method matching: For anti-money-laundering compliance, withdrawals must be made to the same payment method used for the original deposit wherever technically possible. 12hbaj does not process withdrawals to payment methods not previously used for deposits on the account.

• 12hbaj does not charge fees for standard deposits or withdrawals. However, your payment provider may impose their own transaction fees, for which 12hbaj accepts no responsibility.
• Players must not use third-party accounts to fund their 12hbaj wallet. All deposits must originate from a payment method registered in the player's own name.
• Any deposits that cannot be verified as originating from the account holder's own payment source may be held pending investigation and returned at 12hbaj's discretion.

5 Bonuses & Promotions

12hbaj offers a range of bonuses and promotional offers to both new and existing players, including a welcome bonus of up to ৳20,000 for new registrations, regular reload bonuses, cashback offers, and seasonal promotions tied to events such as the BPL cricket season, Eid, Pohela Boishakh, and T20 World Cup tournaments. The availability, terms, and conditions of individual promotions are subject to change and are published on the relevant promotion page within the platform.

Wagering requirements: All bonus funds awarded to a player account — whether received as part of a deposit match, a free spin award, or a cashback promotion — are subject to wagering requirements before they may be withdrawn as real money. The specific wagering multiplier, eligible games, and time limit for each bonus are stated on the promotion page at the time the offer is claimed. Players are responsible for reading and understanding the wagering requirements of any bonus before opting in.

Bonus eligibility: Bonuses are available to eligible players only. Unless the specific promotion states otherwise, each offer is available to one account per person, per household, per IP address, and per device. 12hbaj reserves the right to decline bonus eligibility at its discretion where patterns of behaviour consistent with bonus abuse are identified.

Bonus abuse: The following activities are considered bonus abuse and will result in the immediate forfeiture of all bonus funds and associated winnings, as well as potential account suspension:

• Opening multiple accounts in order to claim a welcome bonus or other first-deposit offer more than once
• Placing bets that collectively cover most or all possible outcomes of a game or event specifically to fulfil wagering requirements with minimal risk
• Coordinating with other players to manipulate the outcome of promotional wagering
• Using automated software or scripted betting strategies to fulfil wagering requirements

Promotional offers cannot be used in conjunction with one another unless the specific promotion explicitly states that it is combinable with another active offer. 12hbaj reserves the right to withdraw, modify, or cancel any promotion at any time. In the event of a conflict between a promotion's specific terms and these general Terms & Conditions, the promotion's specific terms take precedence for that offer only.

6 Fair Use & Prohibited Conduct

12hbaj is committed to providing a fair, secure, and enjoyable platform for all players. The following activities are strictly prohibited and constitute a material breach of these Terms, subject to immediate account closure and forfeiture of all funds held:

• Collusion: Sharing information with other players at the same table, or coordinating betting strategies in a way designed to gain an unfair advantage over the house or other players.
• Use of automated software: Employing bots, scripts, macros, artificial intelligence tools, or any other automated system to place bets, navigate the platform, or fulfil wagering requirements on your behalf without direct human input.
• Exploitation of software errors: Intentionally exploiting software bugs, glitches, or display errors to gain credits, winnings, or advantages that would not arise under normal platform operation. Any winnings derived from exploiting a known or suspected error will be voided.
• Fraudulent chargebacks: Initiating a chargeback or payment reversal with your bank or payment provider in respect of a deposit that has been used to place bets on 12hbaj. Such action constitutes fraud and will result in the immediate closure of your account and referral to the relevant authorities.
• Money laundering: Using the 12hbaj platform to deposit, transfer, or withdraw funds as part of any money laundering operation, or to conceal the origin or ownership of any funds. 12hbaj is required to report suspicious financial activity and cooperates fully with law enforcement agencies in Bangladesh and internationally.
• Identity fraud: Registering an account using a false identity, using another person's payment method without their express consent, or providing falsified KYC documentation.

12hbaj employs sophisticated fraud detection systems that monitor player behaviour, betting patterns, login activity, and payment flows in real time. Players whose accounts are flagged by these systems may be subject to additional verification requirements, temporary account holds, or permanent closure depending on the nature of the identified risk. 12hbaj's decisions in matters of prohibited conduct are final.

7 Game Rules & Dispute Resolution

All games available on the 12hbaj platform — including video slots, live dealer tables, RNG table games, crash games, and virtual sports — are governed by the individual game rules published within each game's help or information section. These game-level rules supplement these Terms and form part of the overall agreement between the player and 12hbaj. In the event of a conflict between a game's specific rules and these general Terms, these Terms take precedence unless the game rules expressly state otherwise.

Game outcomes: All slot and RNG table game outcomes on 12hbaj are determined by certified random number generator (RNG) technology supplied by the relevant game provider (Pragmatic Play, NetEnt, Microgaming, etc.). RNG systems are independently tested and certified to ensure statistical fairness. Live dealer game outcomes are determined by the physical actions of a live dealer in a professional studio environment, as supplied by Evolution Gaming or Ezugi. 12hbaj does not have the ability to manipulate game outcomes in any way.

Malfunctions: In the event of a technical malfunction during a game round — including but not limited to server disconnections, display errors, or interrupted live streams — the affected round may be voided and the stake returned to the player's account. 12hbaj will not pay out winnings based on a game result achieved during or following a technical malfunction that affected the integrity of the round.

Disputes: If you wish to raise a dispute regarding a game outcome, a transaction, a bonus calculation, or any other aspect of your 12hbaj account, you must contact our support team in the first instance via live chat or by emailing [email protected] within 30 days of the event giving rise to the dispute. Disputes raised after this period may not be considered. 12hbaj will investigate all disputes in good faith and provide a written response within 10 business days. Our dispute resolution decisions are final, subject to any applicable legal rights you may hold under the laws of Bangladesh.

8 Responsible Gaming Obligations

12hbaj is deeply committed to promoting responsible gambling practices across its entire player community. We recognise that for the vast majority of our players, gambling is an enjoyable and entertaining pastime. However, we also acknowledge that for a small number of individuals, gambling can become problematic. These Terms reflect our obligations and our genuine commitment to player wellbeing.

All account holders are encouraged to make use of the responsible gaming tools available within the 12hbaj platform, including:

• Deposit limits: Set daily, weekly, or monthly caps on the amount you can deposit. Decreases take effect immediately; increases require a 7-day cooling-off period.
• Session time reminders: Receive on-screen notifications after a defined period of active play to help you remain aware of time spent on the platform.
• Reality checks: Periodic pop-up notifications showing your net session win/loss to help you make informed decisions about whether to continue playing.
• Self-exclusion: Request a voluntary exclusion from the platform for periods ranging from 24 hours to indefinite. During any self-exclusion period, your account is fully locked and no marketing communications will be sent to you.
• Account cooling-off: Request a short-term break from gambling of between 24 hours and 6 weeks. Your account remains registered but is temporarily inaccessible.

To activate any of these tools, log in to your account and navigate to the Responsible Gaming section of your account settings, or contact our 24/7 support team via live chat. Our support agents are trained to handle responsible gaming requests with sensitivity and without judgement. All responsible gaming requests are processed promptly — typically within one hour of receipt.

If you believe that your gambling has moved beyond entertainment and is causing distress, financial difficulty, or conflict in your personal relationships, we urge you to reach out to our support team immediately. You can also visit our dedicated Responsible Gaming page for a full overview of the tools, resources, and guidance available to you. Gambling on 12hbaj is strictly for adults aged 18 and above. We reserve the right to enforce additional age checks or account restrictions at any time where we have reasonable grounds to believe a player may be vulnerable.