Terms & Conditions

1 Definitions

In these Terms & Conditions, the following terms carry the meanings set out below unless the context clearly requires otherwise.

2 Acceptance of Terms

By registering an account, accessing any game, placing any wager, or using any feature of the luck95 platform, you confirm that you have read these Terms & Conditions in full, that you understand them, and that you agree to be legally bound by them.

These Terms & Conditions constitute the entire agreement between you and luck95 with respect to your use of the platform. They supersede all prior representations, communications, and agreements — whether written or oral — relating to the same subject matter.

luck95 reserves the right to amend these Terms & Conditions at any time. Where a change is material, we will provide reasonable notice via email or an in-platform notification prior to the change taking effect. It is your responsibility to review these Terms periodically.

3 Eligibility

To register and maintain an account on luck95, you must meet all of the following eligibility criteria at all times:

• You are at least 21 years of age. luck95 operates a strict 21+ policy and will request age verification documents as part of the KYC process.
• You are a natural person acting on your own behalf. Registering on behalf of another individual, a corporation, or any other entity is not permitted.
• You have the legal capacity to enter into a binding agreement under the laws of your jurisdiction.
• The use of online casino and sports betting services is not prohibited by any law applicable to you in your country or region of residence.
• You are not a current employee, contractor, director, or officer of luck95, nor an immediate family member of any such person.
• You have not previously had an account on luck95 permanently closed due to a breach of these Terms & Conditions.
• You are not subject to a self-exclusion order on the luck95 platform.

luck95 reserves the right to request age and identity verification documents from any Player at any time. Failure to provide satisfactory documentation within the timeframe specified by luck95 will result in the suspension of account services, including withdrawals.

4 Account Registration & Security

Each individual player is permitted to hold one registered account on luck95. The creation of multiple accounts by a single individual — whether using different email addresses, payment methods, or personal details — is strictly prohibited and will result in the closure of all associated accounts and the forfeiture of any balances held therein.

When registering your luck95 account, you agree to provide accurate, current, and complete information. This includes your full legal name as it appears on your government-issued identification, your date of birth, your current residential address, and valid contact details. Providing false or misleading information is a serious breach of these Terms and will result in immediate account suspension.

You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. luck95 strongly recommends enabling two-factor authentication (2FA) on your account. You must notify luck95 support immediately via live chat if you suspect that your account has been accessed by an unauthorised third party.

• Do not share your account credentials with any other person under any circumstances.
• Do not allow any third party to access your account or place wagers on your behalf.
• Ensure that your registered email address and mobile number remain active and accessible, as they are used for security verification.
• Log out of your account after each session, particularly on shared or public devices.

5 Deposits & Withdrawals

All deposits and withdrawals on luck95 are processed in Pakistani Rupees (PKR). The platform supports the following payment methods: JazzCash, EasyPaisa, HBL, UBL, and Meezan Bank. luck95 does not charge deposit or withdrawal fees, though your payment provider may apply their own transaction charges — please check with your provider directly.

Minimum and maximum deposit and withdrawal limits apply and are displayed within the Cashier section of your account. These limits may vary depending on your account tier, your VIP level, and the payment method selected.

Withdrawal processing: All withdrawal requests are subject to KYC verification. Withdrawals will only be processed to a payment method that has been previously used to make a deposit into your luck95 account, or to a verified payment method registered in your name. luck95 reserves the right to request additional documentation before processing any withdrawal.

• Withdrawals requested before Bonus Funds wagering requirements are satisfied will not be processed.
• luck95 reserves the right to delay or decline a withdrawal where it has reasonable grounds to suspect fraud, money laundering, or a breach of these Terms.
• Player funds are held in accounts segregated from luck95 operational funds, in accordance with our licensing obligations.
• luck95 does not accept deposits from third-party payment accounts. The name on the payment account must match the registered name on your luck95 account.

6 Bonuses & Promotions

luck95 offers a range of promotional bonuses to registered players, including welcome bonuses, deposit match offers, free spins, cashback rewards, and VIP loyalty benefits. All promotions are subject to the specific terms published alongside each offer, including applicable wagering requirements, minimum deposit thresholds, game restrictions, and expiry periods.

General bonus principles that apply across all luck95 promotions unless a specific promotion's terms state otherwise:

• Bonus Funds must be wagered the stated number of times before any withdrawal can be made from the associated balance.
• Wagering contributions vary by game type. Live casino games, table games, and sports bets may contribute at a lower percentage than slots — the exact contribution schedule is displayed on each promotion's terms page.
• Bonuses are personal to the registered account holder and may not be transferred, sold, or assigned to any other person.
• Only one welcome bonus is available per player, per household, and per IP address.
• luck95 reserves the right to withdraw or modify any promotional offer at any time, with or without prior notice, where there is evidence of abuse or exploitation.
• If a player attempts to withdraw real-money funds while an active bonus is in their account without completing the wagering requirement, luck95 may, at its discretion, cancel the bonus and any associated winnings before processing the withdrawal.
• VIP programme benefits are non-transferable and are governed by the specific VIP programme terms applicable to each tier.

7 Gameplay Rules

All games available on the luck95 platform operate in accordance with the rules displayed within each individual game. It is the player's responsibility to familiarise themselves with the rules of any game before placing a wager. luck95 accepts no liability for losses arising from a player's misunderstanding of game rules.

Game outcomes on luck95 are determined by independently certified Random Number Generator (RNG) software or, in the case of live dealer games, by physical game equipment managed by trained dealers under live studio conditions. Neither luck95 nor its game providers have any ability to influence game outcomes once a wager has been placed and accepted.

• All bets placed and accepted by the system are final. luck95 will not void a bet solely because the outcome was unfavourable to the player.
• In the event of a technical malfunction — including a disconnection, server error, or game crash — luck95 will investigate and, where possible, reconstruct the game state from server-side logs. Where reconstruction is not possible, the wager may be returned to the player's balance at luck95's discretion.
• Sports betting markets are subject to the specific rules displayed for each market and sport. Results will be settled in accordance with those rules and with reference to official competition data sources.
• luck95 reserves the right to void any wager placed after the outcome of the relevant event is already known, or where there is evidence that the odds were published in error.
• Maximum win limits apply to certain games and promotional offers. These limits are displayed within the relevant game or promotion terms.

8 Prohibited Conduct

The following conduct is strictly prohibited on the luck95 platform. Engaging in any of the following will result in immediate account suspension, forfeiture of balances, and may result in legal action:

• Fraud and misrepresentation: Providing false identity information, using stolen payment methods, or misrepresenting your age or eligibility.
• Multiple account abuse: Registering more than one account to claim bonuses multiple times or circumvent restrictions placed on a suspended account.
• Collusion: Coordinating with other players in live casino, poker, or any other game to gain an unfair advantage over the platform or other players.
• Bonus abuse: Exploiting bonus terms through systematic, low-risk wagering patterns designed to extract bonus value without genuine gameplay intent, as determined by luck95's risk management systems.
• Software exploitation: Using any automated software, bots, scripts, or artificial intelligence tools to interact with the platform in a manner that is not the ordinary manual play of a human user.
• Money laundering: Using the luck95 platform to deposit, move, or withdraw funds obtained through illegal activity, or to otherwise launder proceeds of crime.
• Chargebacks: Initiating fraudulent payment chargebacks with your bank or payment provider in respect of deposits made to luck95.
• Reverse engineering: Attempting to decompile, reverse engineer, or otherwise access the source code of any luck95 software or game.

9 Responsible Gaming

luck95 is committed to providing a safe, fair, and responsible gaming environment for all Pakistani players. Gambling is intended to be a form of entertainment for adults — it should never be pursued as a source of income or as a means of recovering financial losses.

luck95 provides the following responsible gaming tools to all registered players, accessible at any time directly from account settings following the luck95 Login:

• Deposit Limits: Set daily, weekly, or monthly limits on the total amount you can deposit into your luck95 account. Deposit limit reductions take effect immediately; increases are subject to a 24-hour cooling-off period.
• Session Time Reminders: Set reminders to notify you after a specified period of play so you remain aware of time spent on the platform.
• Loss Limits: Cap the total amount you can lose within a defined time period across all gaming activity on luck95.
• Cooling-Off Period: Temporarily suspend your account for a defined period — from 24 hours to 6 weeks — during which you will be unable to log in or place wagers.
• Self-Exclusion: Permanently or indefinitely exclude yourself from the luck95 platform. During a self-exclusion period, luck95 will also make reasonable efforts to prevent you from receiving marketing communications. Self-exclusion requests are processed by the support team and take effect within 24 hours of confirmation.

luck95 also conducts ongoing monitoring for indicators of problem gambling behaviour. Where such indicators are identified, luck95 may contact the player with responsible gaming information or apply protective account restrictions in accordance with our licensing obligations.

10 Intellectual Property

All content on the luck95 platform — including but not limited to software, game engines, graphics, logos, trademarks, text, data, and design elements — is the intellectual property of luck95 or its licensed third-party providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the luck95 platform solely for your personal, non-commercial entertainment purposes, in accordance with these Terms & Conditions. This licence does not permit you to:

• Copy, reproduce, distribute, or publicly display any content from the platform without express written consent from luck95.
• Use any luck95 trademark, logo, or brand asset in any context outside the platform.
• Create derivative works based on any luck95 content or game.
• Remove or alter any copyright, trademark, or proprietary rights notice on the platform.

Any unauthorised use of luck95 intellectual property may result in account termination and may expose the infringing party to civil and criminal liability.

11 Limitation of Liability

To the maximum extent permitted by Applicable Laws, luck95 excludes all liability for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to loss of profits, loss of data, loss of goodwill, or loss of opportunity — even if luck95 has been advised of the possibility of such damages.

luck95's total aggregate liability to any player in respect of any claim arising out of or in connection with these Terms & Conditions or the use of the platform shall not exceed the total amount deposited by that player in the 12-month period immediately preceding the event giving rise to the claim.

luck95 does not warrant that:

• The platform will be available continuously and without interruption at all times.
• The platform will be free from errors, bugs, or security vulnerabilities at all times.
• Any specific game, market, or feature will remain available indefinitely.

luck95 shall not be liable for any failure or delay in performance of its obligations under these Terms where such failure or delay arises from events beyond its reasonable control, including but not limited to acts of God, telecommunications failures, government actions, or regulatory interventions.

12 Privacy & Data Protection

luck95 collects, stores, and processes personal data in accordance with its Privacy Policy, which forms part of these Terms & Conditions by reference. By registering an account on luck95, you acknowledge and consent to the collection and use of your personal data as described in the Privacy Policy.

Key data practices include:

• Personal data is collected for the purposes of account management, KYC verification, fraud prevention, regulatory compliance, and the provision of platform services.
• All personal data is stored on secure servers using industry-standard encryption.
• luck95 does not sell your personal data to third parties for marketing purposes.
• Data is shared with regulated third parties — including KYC providers, payment processors, and game providers — only to the extent necessary for the provision of services.
• You have the right to access, correct, and request deletion of your personal data, subject to our legal retention obligations under our gaming licence.

For full details of how luck95 handles your personal information, including your data rights and how to exercise them, please review the Privacy Policy.

13 Suspension & Termination

luck95 reserves the right to suspend or permanently close any player account at any time, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Failure to pass KYC or age verification within the required timeframe.
• Reasonable suspicion of fraud, money laundering, collusion, or other prohibited conduct.
• Receipt of a chargeback instruction from a payment provider in respect of a deposit.
• A requirement to do so under Applicable Laws or a regulatory instruction.
• Where continued operation of the account poses a responsible gaming risk to the player.

Upon account closure, where the closure is not due to a breach by the player, any verified real-money balance (net of any pending or unresolved bonus wagering requirements) will be returned to the player via their registered payment method within a reasonable timeframe, subject to completion of any outstanding KYC requirements.

You may close your own luck95 account at any time by contacting the support team via live chat. Closure requests will be processed within 48 hours. Any verified real-money balance will be returned to you via your registered payment method following the completion of standard verification procedures.

14 Governing Law & Dispute Resolution

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which luck95 holds its international gaming licence. Any dispute, controversy, or claim arising out of or in connection with these Terms & Conditions, or the breach, termination, or invalidity thereof, shall first be referred to luck95's customer support team for resolution.

Where a dispute cannot be resolved through direct engagement with the luck95 support team, you may refer the matter to the dispute resolution body designated by our licensing authority. Details of the applicable dispute resolution mechanism are available upon request from the luck95 compliance team.

Nothing in this clause limits any statutory rights you may have under the laws of your jurisdiction that cannot be excluded or limited by contract.

15 Amendments to These Terms

luck95 reserves the right to update, amend, or replace these Terms & Conditions at any time. Where a change is material — meaning it affects your rights or obligations in a significant way — luck95 will provide notice of the change via email to your registered address or via an in-platform notification, with a minimum of 14 days' notice before the revised Terms take effect.

Non-material changes — such as clarifications, corrections of typographical errors, or updates that do not affect player rights — may take effect immediately without prior notice.

Your continued use of the luck95 platform after any revision to these Terms & Conditions constitutes your acceptance of the revised Terms. If you do not agree with the revised Terms, you must stop using the platform and may close your account in accordance with Section 13.

The current version of these Terms & Conditions is always available at luck95.org/terms-conditions. We recommend that you review this page periodically to stay informed of any updates.

16 Contact & Complaints

If you have any questions regarding these Terms & Conditions, or if you wish to raise a formal complaint, please contact the luck95 support team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week directly within the luck95 platform. This is the fastest way to reach the team for account, payment, and game-related queries.
• Email: [email protected] — for formal complaints and compliance-related correspondence. Please allow up to 2 business days for a response.

Formal complaints will be acknowledged within 24 hours of receipt and will be investigated and responded to within 14 business days. Where a complaint requires a longer investigation period, luck95 will notify you of the extended timeline and provide regular updates.

All communications with luck95 regarding complaints will be conducted in English. Records of all formal complaints and their resolution outcomes are maintained in accordance with our licensing obligations.