Lucky98 Terms and Conditions

Throughout these Terms and Conditions, the following terms carry the meanings set out below. Reading them first will help you understand the rest of this document more clearly.

• "Lucky98" / "we" / "us" / "the Platform" — refers to lucky98.biz and the company that operates it.
• "You" / "Player" / "Member" — any registered user of lucky98.biz who has created an account and accepted these Terms.
• "Account" — the individual user account registered by a player on lucky98.biz.
• "Balance" — the PKR amount held in a player's lucky98 account at any given time, comprising real-money deposits and credited winnings.
• "Bonus Funds" — PKR credits issued by lucky98 as part of a promotional offer, subject to wagering requirements before withdrawal.
• "Wagering Requirement" — the number of times a bonus amount must be bet before it can be converted to withdrawable real-money funds.
• "VIP Points" — loyalty points earned on real-money wagers under the lucky98 VIP Club programme.
• "KYC" — Know Your Customer verification process, which may be required before lucky98 processes a withdrawal.

To register and use lucky98, you must meet all of the following requirements. Lucky98 reserves the right to verify eligibility at any time and to close any account that does not comply.

• You must be at least 18 years of age at the time of registration. Lucky98 operates a strict minimum age policy and zero tolerance for underage gaming.
• You must be a resident of, or be physically located in, a jurisdiction where using online gaming platforms of this type is not prohibited under local law.
• You may hold only one account on lucky98. Duplicate accounts are prohibited. Where duplicate accounts are detected, all balances — including winnings — may be voided and the accounts closed.
• All information provided at registration must be accurate, complete, and your own. Providing false identity information is a serious breach of these Terms and will result in immediate account closure.
• You must not be a current employee, contractor, or immediate family member of lucky98 or any of its game providers.
• You must not be registered on any self-exclusion list maintained by lucky98 or any associated responsible gaming programme.

All transactions on lucky98 are conducted in Pakistani Rupees (PKR). Lucky98 does not accept deposits in foreign currencies. The following payment methods are accepted for deposits.

• You may only deposit funds from payment accounts registered in your own name. Third-party deposits are not permitted.
• Lucky98 does not charge deposit fees. Any charges levied by your payment provider are outside of lucky98's control and are your responsibility.
• Lucky98 reserves the right to request documentation confirming the source of deposited funds, particularly for large or unusual deposit patterns.
• Deposited funds that have not been wagered may be withdrawn at any time. Funds subject to active bonus wagering requirements may have withdrawal restrictions until those requirements are met.

Lucky98 is committed to processing all legitimate withdrawal requests promptly and without unnecessary conditions. The following rules govern how withdrawals are handled.

• Minimum withdrawal amount is Rs 500 per request. There is no maximum withdrawal limit for players who have completed identity verification (KYC).
• Standard withdrawal processing times: Easypaisa and JazzCash within 5 minutes; NayaPay and SadaPay within 15 minutes; Bank IBFT same business day. VIP members receive priority and same-day or instant processing depending on their tier.
• Lucky98 charges no fees on withdrawals. Any charges applied by your bank or mobile wallet provider are outside lucky98's control.
• Withdrawals will only be processed to an account registered in your name. Lucky98 does not send funds to third-party accounts under any circumstances.
• For first withdrawals or withdrawals exceeding certain thresholds, lucky98 may require identity verification (KYC) before processing. You will be notified if this applies and the required documents will be clearly specified.
• Bonus funds are not withdrawable until associated wagering requirements have been fully met. Real-money funds are withdrawable at any time regardless of bonus status.
• Lucky98 reserves the right to delay a withdrawal where there is a reasonable suspicion of fraud, money laundering, or violation of these Terms. In such cases, the player will be notified within 24 hours.

Lucky98 offers a range of bonuses and promotional offers to both new and existing players. Each promotion has its own specific terms which will be clearly stated at the point of offer. The following general bonus rules apply to all lucky98 promotions unless explicitly stated otherwise.

• All bonuses are subject to a wagering requirement unless explicitly marked as "no wagering required." The wagering requirement multiplier applicable to each bonus is stated in the promotion details at the time of offer.
• Bonus funds must be wagered using the bet value specified in the promotion before any withdrawal can be processed. Bonus funds not yet meeting wagering requirements are not included in the withdrawable balance.
• Each player is entitled to claim each bonus offer once only. Attempting to claim the same bonus more than once using a single or multiple accounts constitutes bonus abuse and will result in forfeiture of the bonus and may result in account suspension.
• Lucky98 reserves the right to withdraw any bonus offer at any time prior to it being claimed. Once a bonus has been credited to your account, the terms applicable at the time of crediting remain in effect.
• Bonuses may not be transferred, sold, or assigned to another player under any circumstances.
• Where a deposit bonus is offered, it will be credited automatically upon qualifying deposit unless the promotion specifies a manual claim process. Any deposit bonus not credited within 24 hours of a qualifying deposit should be reported to lucky98 support immediately.

Lucky98 offers games across multiple categories including slots, live casino, sports betting, fishing games, and Ludo. The following rules apply across all game categories. Individual game categories may have additional rules published within the relevant game section.

• All bets placed are final once confirmed. Lucky98 does not accept cancellation requests for confirmed bets except in cases of verified technical error on the platform's side.
• In the event of a disconnection during an active game, lucky98's system will resolve the round server-side. The outcome will be recorded and any winnings or losses applied to your balance when you reconnect.
• Lucky98 slot games and RNG-based games use independently certified random number generation. Published RTP (Return to Player) percentages are available alongside each game and represent the long-term statistical payout rate, not a guarantee of individual session outcomes.
• Live casino game outcomes are determined by physical processes (real cards, real roulette wheels) conducted by certified dealers in professional studios. Lucky98 is not responsible for errors made by game studio operators, but all such disputes will be investigated and resolved where a studio error is confirmed.
• Football and sports betting odds are set by lucky98 and may change up until the event commences. The odds displayed at the time of bet placement are the odds that apply to your bet regardless of subsequent changes.
• Lucky98 reserves the right to void bets where a verifiable system error, data feed error, or odds error has been identified. Affected players will be notified and the voided stake returned to their balance.

The lucky98 VIP Club operates across five tiers — Bronze, Silver, Gold, Platinum, and Diamond. Participation in the VIP Club is automatic for all registered players and governed by the following terms in addition to the general Terms and Conditions.

• VIP points are earned on real-money wagers only. Bets placed using bonus funds do not generate VIP points.
• VIP tier qualification is based on cumulative lifetime points earned. Redeeming points for PKR does not reduce your tier qualification standing.
• Tier upgrades take effect automatically within 24 hours of the qualifying points threshold being crossed. Benefits applicable to the new tier activate at the point of upgrade.
• Weekly cashback under the VIP programme is calculated on net losses during each calendar week (Monday to Sunday PKT) and credited to the player's balance every Monday by 12:00 PKT. Cashback credits carry no wagering requirements and are available for immediate withdrawal.
• Lucky98 reserves the right to modify VIP tier benefit structures with 30 days' advance notice to affected members. Players may close their accounts without penalty within the notice period if they do not wish to continue under modified terms.
• VIP accounts found to be in breach of these Terms — including but not limited to multi-accounting or bonus abuse — will be removed from the VIP programme and may have their points and tier benefits forfeited.

The following activities are strictly prohibited on lucky98. Engaging in any of these behaviours will result in immediate account suspension and may result in permanent closure with forfeiture of balance.

• Registering or operating more than one account, or operating accounts on behalf of another person without explicit authorisation.
• Using software, bots, scripts, or automated systems to interact with any lucky98 game or system in a way that was not intended by the game design.
• Attempting to exploit technical errors, glitches, or loopholes in the platform for financial gain. Any winnings obtained through exploitation of a verified error will be voided.
• Engaging in any form of money laundering, using lucky98 to layer or integrate funds of illegal origin, or conducting any transaction that violates anti-money laundering regulations.
• Abusing or exploiting the bonus system, including through coordinated play, chip dumping, or structuring play specifically to meet wagering requirements without genuine participation in the game.
• Providing false, misleading, or another person's identity information to lucky98 at any point, including at registration, during KYC, or when requesting support.
• Any form of collusion, match-fixing, or coordinated play designed to manipulate game outcomes to the detriment of other players or lucky98.

Lucky98 reserves the right to suspend or permanently close any account for reasons including but not limited to breach of these Terms, suspected fraud, failure to complete required verification, or at the player's own request.

• Where an account is suspended for investigation, lucky98 will notify the account holder within 24 hours stating the reason for suspension where legally permissible to do so.
• Where an account is closed due to a breach of these Terms, any real-money balance (excluding bonus funds and winnings obtained through prohibited conduct) will be returned to the player via their last used withdrawal method within 14 business days.
• Players may request voluntary account closure at any time by contacting lucky98 support. Upon closure, the remaining real-money balance will be returned to the player. Bonus funds and unmet wagering requirements will be forfeited.
• Self-exclusion requests submitted through the Responsible Gaming programme are treated as permanent account closures and cannot be reversed during the self-exclusion period.

Lucky98 collects and processes personal data in accordance with our Privacy Policy, which forms part of the contractual agreement between you and lucky98. By accepting these Terms, you also acknowledge and accept the Privacy Policy.

• Personal data collected at registration and during KYC is used solely for account management, identity verification, fraud prevention, and legal compliance. Lucky98 does not sell or commercially trade player data with third parties.
• Lucky98 uses industry-standard 256-bit SSL encryption for all data in transit and encrypts sensitive data at rest. Security infrastructure is subject to regular independent penetration testing.
• For full details of what data lucky98 collects, how it is used, and your rights regarding your personal data, please review the Privacy Policy.

Lucky98 is committed to providing a safe and responsible gaming environment. We take our obligation to prevent problem gambling seriously and offer a range of tools to help players manage their play.

• Deposit limits, loss limits, and session time limits are available to all players and can be set or reduced at any time through account settings or by contacting support. Increases to limits are subject to a 7-day cooling-off period.
• Cooling-off periods (temporary suspensions of between 24 hours and 6 months) can be activated immediately upon request. No gaming activity is permitted during a cooling-off period.
• Permanent self-exclusion is available for players who wish to stop using lucky98 indefinitely. Self-exclusion requests are actioned within 24 hours of receipt and cannot be reversed.
• Lucky98's support team is trained to identify signs of problem gambling and may proactively offer responsible gaming information to players showing relevant patterns of behaviour.
• Lucky98 maintains a strict minimum age policy. Age verification checks are conducted on all new accounts and may be requested at any time during an account's lifetime.

Lucky98 provides its platform and services in good faith and takes all reasonable steps to ensure continuous, error-free operation. However, no platform can guarantee uninterrupted service. The following limitations apply.

• Lucky98 accepts no liability for loss of earnings arising from platform downtime, maintenance periods, or connectivity issues outside of the platform's direct control.
• Lucky98 is not responsible for losses arising from a player's own internet connectivity issues, device failures, or actions taken by third-party payment providers.
• Where a verified technical error on lucky98's side causes a financial loss to a player, lucky98 will investigate and where the error is confirmed, will make the player whole to the extent of the actual direct financial loss caused by the error.
• Lucky98's maximum liability to any player in any single incident is capped at the player's real-money account balance at the time of the incident. Lucky98 is not liable for indirect, consequential, or punitive damages of any kind.

Lucky98 reserves the right to update or amend these Terms and Conditions at any time. We will always provide advance notice of material changes.

• Material changes to these Terms will be communicated to all registered players via email and in-platform notification at least 14 days before the changes take effect.
• Continued use of lucky98 after the effective date of any amendment constitutes acceptance of the amended Terms. If you do not accept the amended Terms, you may close your account and withdraw your balance without penalty within the notice period.
• Minor amendments — such as clarifications of existing provisions, correction of typographical errors, or updates to reflect new payment methods — may be made without advance notice. The "Last Updated" date at the top of this page will always reflect the most recent version.
• The most current version of these Terms is always the version published at lucky98.biz/terms-conditions. Earlier versions are superseded immediately upon publication of a new version.

If you have questions about any part of these Terms and Conditions, or if you need to raise a complaint, our support team is available 24 hours a day, seven days a week. Lucky98 is committed to responding to all queries within 2 hours during standard hours and within 6 hours outside standard hours.

• Email: support@lucky98.biz — Use this address for formal complaints, KYC document submission, and written queries that require a documented response.
• Live Chat: Available directly within your logged-in lucky98 account, available 24/7 in English and Urdu. Best for immediate account queries.
• FAQ: The lucky98 FAQ covers the most common questions about accounts, deposits, withdrawals, bonuses, and games. Most queries are answered there without needing to contact support.