Terms and Conditions for Laki 91 — Know Before You Play

01 Acceptance of Terms

These Terms apply to all visitors and registered members of the Laki 91 platform, accessible at laki91.app. The platform provides online sports betting, live casino games, card games including Teen Patti, Poker, and Baccarat, and related services, all conducted in Pakistani Rupees (PKR).

By completing the registration process on Laki 91, clicking "I Agree" during signup, or by placing any bet or wager through the platform, you confirm that:

• You are at least 18 years of age;
• You are accessing the platform voluntarily and for personal entertainment purposes;
• You have read and agree to these Terms and the Privacy Policy;
• You accept that all gaming activity carries financial risk and that you bear sole responsibility for any losses incurred.

02 Eligibility & Registration

To register and use Laki 91, you must meet all of the following requirements:

• Age: You must be 18 years of age or older. This applies regardless of where in Pakistan you are located.
• Identity: You must register using your real name, a valid Pakistani phone number, and accurate personal details. Registration using false information is a breach of these Terms.
• Single account: Each individual may hold one and only one Laki 91 account. Using multiple accounts to receive bonuses, circumvent limits, or for any other purpose is strictly prohibited.
• Legal capacity: You must be legally capable of entering into binding agreements under applicable law.

Laki 91 reserves the right to request identity verification documents at any time. Where verification is requested, the account may be restricted from withdrawals until documentation is reviewed and accepted. This is standard practice for responsible gaming platforms and protects all members including you.

03 Account Responsibilities

Your Laki 91 account is personal to you. You are responsible for everything that happens through your account, including all bets placed and all transactions conducted. Specific responsibilities include:

• Keeping your password and login credentials confidential at all times;
• Logging out of the platform when using shared or public devices;
• Notifying Laki 91 customer support immediately if you suspect unauthorised access to your account;
• Keeping your registered phone number and payment details up to date;
• Not sharing, transferring, or selling your account to another person under any circumstances.

Laki 91 is not liable for losses resulting from your failure to maintain the security of your account credentials. Where unauthorised access is reported promptly and evidence is clear, Laki 91 will investigate and take reasonable steps to assist, but cannot guarantee recovery of funds transferred or bets placed by unauthorised parties prior to notification.

04 Deposits & Payments

All financial transactions on Laki 91 are conducted in Pakistani Rupees (PKR). The platform accepts deposits via the following methods:

• Easypaisa — minimum deposit Rs 100;
• JazzCash — minimum deposit Rs 100;
• NayaPay — minimum deposit Rs 200;
• SadaPay — minimum deposit Rs 200;
• IBFT Bank Transfer — minimum deposit Rs 1,000;
• Visa / Mastercard — Pakistani issued cards only.

Deposits are credited to your Laki 91 wallet balance in real time for mobile wallet methods (Easypaisa, JazzCash). Bank transfers may take up to a few hours depending on your bank's processing schedule. Laki 91 does not charge any processing fees on standard deposits. Any fees applied by your payment provider are outside Laki 91's control.

Laki 91 reserves the right to request proof of payment method ownership before processing withdrawals where a deposit method has not been previously verified. This is a fraud prevention measure and applies uniformly across all members.

05 Withdrawals

Withdrawal requests on Laki 91 are processed to the same payment method used for the original deposit wherever possible. Standard processing times are:

• Easypaisa / JazzCash: Under 10 minutes in standard cases, 24 hours a day;
• NayaPay / SadaPay: Typically under 30 minutes;
• IBFT Bank Transfer: Same day to next business day;
• Visa / Mastercard: 1–3 business days depending on the issuing bank.

The minimum withdrawal amount is Rs 200. There is no maximum single withdrawal limit for standard members, though large withdrawals may be subject to enhanced verification as part of Laki 91's standard anti-fraud procedures.

Withdrawals will not be processed where a member has an open bonus with active wagering requirements. Bonus balances and real-money balances are tracked separately; only the real-money portion of your wallet is available for withdrawal at any time unless bonus wagering requirements have been completed.

06 Bonuses & Promotions

Laki 91 offers various bonuses and promotional incentives including welcome bonuses, activity bonuses, reload offers, and the Refer a Friend programme. All bonuses are subject to the following general terms, in addition to any specific conditions stated at the time of the offer:

• Bonuses are awarded to one account per household, per device, per IP address. Multiple accounts attempting to claim the same bonus constitute abuse and will result in forfeiture;
• Bonus funds cannot be withdrawn directly — they are for wagering purposes only. Where a bonus converts to withdrawable cash after qualifying activity is completed, this will be clearly stated in the offer terms;
• Laki 91 reserves the right to withdraw any bonus offer at any time and to cancel bonus credits found to have been obtained through fraudulent means;
• Where a bonus has been credited in error, Laki 91 may reverse it regardless of whether it has been wagered, and any winnings generated from the erroneously credited bonus may be voided;
• The Refer a Friend programme pays commission based on referred players' real-money activity. Referrals using the same device, household, or payment details as the referring player do not qualify.

07 Betting & Gaming Rules

All bets and wagers placed on Laki 91 are final once confirmed by the platform. The following rules apply across all sports betting and gaming products:

Sports Betting

• Bets placed on an event that has already started or concluded before the bet was officially accepted are void and the stake is returned;
• In-play (live) bets are accepted subject to the odds available at the exact moment of placement. Laki 91's pricing engine is final in the event of any discrepancy between displayed and recorded odds;
• Where an event is cancelled, postponed beyond 24 hours, or abandoned before the relevant market is settled, all bets on that event are void unless stated otherwise in the specific sport rules;
• Laki 91 reserves the right to void any bet placed at odds that were published in error due to a technical fault, regardless of whether the bet has been settled.

Card Games & Live Casino

• All card game outcomes — Teen Patti, Poker, Baccarat — are determined by the card dealt/random number generated at the time of the round and are final;
• In the event of a technical disconnection during a live dealer game, the result of the round will be determined from the server-side recording of the game state. Laki 91's logs are the authoritative record;
• Minimum and maximum stake limits are displayed at each table and may vary by game variant and membership level. These limits are subject to change without prior individual notice.

08 Prohibited Conduct

The following activities are strictly prohibited on Laki 91 and will result in account suspension, forfeiture of balances, and may be reported to relevant authorities:

• Multi-accounting: Operating more than one Laki 91 account or registering under another person's identity;
• Bonus abuse: Using systematic methods to exploit bonus offers including arbitrage strategies specifically designed to guarantee profit from promotional funds;
• Collusion: Cooperating with other players to gain unfair advantage in poker, card games, or any other game type;
• Match fixing: Placing bets on events where you have inside knowledge of a predetermined outcome, or participating in any effort to fix a sporting event;
• Automated play: Using bots, scripts, or any automated software to place bets or play games on the platform;
• Money laundering: Using Laki 91 to deposit and withdraw funds for any purpose other than genuine gaming activity. Laki 91 complies with applicable financial monitoring requirements and will report suspicious activity;
• Chargebacks: Initiating a payment chargeback after funds have been used for gaming. All valid chargeback disputes should be raised with Laki 91 support before contacting a payment provider.

09 Responsible Gaming

Laki 91 is committed to promoting responsible gaming. We provide the following tools to all registered members, accessible from account settings:

• Deposit limits — daily, weekly, and monthly limits you can set on how much you deposit;
• Session time limits — reminders and automatic logouts after a set session duration;
• Self-exclusion — a temporary or permanent exclusion option that prevents you from logging in or placing bets for a defined period;
• Reality checks — periodic pop-up notifications showing how long you have been active in a session.

If you believe your gaming is becoming a problem, we strongly encourage you to use the self-exclusion tool immediately and visit the Responsible Gaming page for further resources. Laki 91 support is available 24/7 and will assist with any limit or exclusion requests without question.

10 Suspension & Account Closure

Laki 91 reserves the right to suspend or close any account without prior notice in the following circumstances:

• Breach of any provision of these Terms and Conditions;
• Suspected fraudulent activity, money laundering, or other illegal conduct;
• Provision of false registration information;
• Underage gambling confirmed or suspected;
• Failure to complete identity verification when requested;
• Regulatory or legal requirement.

Where an account is suspended pending investigation, access to funds may be restricted during that period. Where an account is closed due to Terms breach, Laki 91 may forfeit the account balance at its discretion, depending on the nature and severity of the breach. Where closure is initiated by the member voluntarily (including self-exclusion), any remaining real-money balance will be returned via the member's registered withdrawal method after standard verification.

Members who wish to close their accounts voluntarily should contact Laki 91 support at support@laki91.app. Account closure requests are typically processed within 24 hours.

11 Limitation of Liability & Dispute Resolution

Laki 91 provides the platform on an "as is" and "as available" basis. To the fullest extent permitted under applicable law, Laki 91 excludes liability for:

• Losses resulting from technical failures, server downtime, or internet connectivity issues beyond Laki 91's reasonable control;
• Errors in odds or pricing that were clearly the result of a technical fault;
• Any indirect, consequential, or special losses arising from use of the platform.

Laki 91's maximum liability to any member in respect of any single event or transaction is limited to the original stake placed in that transaction.

Dispute Resolution

If you believe a bet or transaction has been settled incorrectly on Laki 91, follow this process:

1. Contact live chat support immediately with the round or bet reference number;
2. If the matter is not resolved satisfactorily through live chat, email support@laki91.app with a full written account of the dispute;
3. All disputes must be raised within 14 days of the relevant transaction or bet settlement. Claims raised after this period may not be accepted.

Laki 91's decision on any dispute, reached after a full investigation of server logs and game records, is final and binding on both parties.

12 Privacy & Data Handling

Laki 91 collects and processes personal data in order to operate the platform, verify identities, process payments, and comply with legal obligations. Full details of what data is collected, how it is stored, and your rights as a data subject are set out in the Privacy Policy, which forms part of these Terms.

Key points:

• Your personal data is not sold to third parties for advertising purposes;
• Payment credentials (Easypaisa account numbers, bank details) are handled through payment processors and are not stored by Laki 91 in unencrypted form;
• Laki 91 may share data with regulatory authorities or law enforcement agencies where legally required to do so.

13 Changes to These Terms

Laki 91 may update, amend, or replace these Terms and Conditions at any time. When material changes are made, we will:

• Update the "Last Updated" date at the top of this page;
• Send a notification to your registered email address or display a platform notification at login.

Your continued use of the Laki 91 platform following notification of changes constitutes your acceptance of the revised Terms. If you do not agree to any revised terms, you must stop using the platform and contact support to close your account and retrieve any remaining balance.

Minor changes — such as corrections to grammar, formatting updates, or clarifications that do not materially alter your rights — may be made without individual notification, though the updated date will always reflect the most recent change.

14 Contact Us

If you have any questions about these Terms and Conditions, wish to make a complaint, or need to discuss your account, please contact Laki 91 through the following channels:

For responsible gaming support, account restrictions, or self-exclusion requests, our team is available around the clock and will process your request as a priority without delay or pushback.