Terms and Conditions – 92koko Pakistan Online Casino Rules

Throughout these Terms and Conditions, the following words and phrases carry the specific meanings defined below. Understanding these definitions will help you read the rest of this document accurately.

By registering an account on 92koko, logging into an existing account, making a deposit, placing a bet, or claiming a bonus, you confirm that you have read, understood and unconditionally agreed to these Terms in full. If you do not agree with any part of these Terms, you must not use 92koko.

These Terms constitute a legally binding agreement between you and 92koko. They apply alongside any game-specific rules, promotion-specific terms, and the 92koko Privacy Policy, which is incorporated by reference into this document. In the event of a conflict between a game-specific rule or promotion-specific term and these Terms, these Terms shall take precedence unless the game-specific or promotion-specific document explicitly states otherwise.

92koko reserves the right to update these Terms at any time. Continued use of the platform after a published update constitutes acceptance of the revised Terms. See Section 15 for the amendment process.

To be eligible to register and maintain an account on 92koko, you must satisfy all of the following conditions at all times:

• You are at least 18 years of age.
• You are a natural person — not a corporation, trust, partnership or other legal entity.
• You are registering and acting entirely on your own behalf, not as an agent for any third party.
• You are not a current employee, director, contractor or close family member of an employee or director of 92koko or its affiliated companies.
• You have not been self-excluded from 92koko or any other gaming platform through a self-exclusion programme that covers 92koko.
• You have not previously had an account on 92koko that was terminated for breach of these Terms.

92koko may request documentary proof of age and identity at any point. Acceptable documents include a valid Pakistani CNIC (Computerised National Identity Card), passport, or other government-issued photo identification. Failure to provide such documentation within a reasonable timeframe may result in account suspension and withholding of withdrawals until verification is complete.

4.1 One Account Per Player

Each individual Player is permitted to hold exactly one Account on 92koko. Duplicate accounts — whether created deliberately or inadvertently — are prohibited. If 92koko identifies multiple accounts linked to the same individual (by device fingerprint, IP address, payment method, name, date of birth, address, or any other identifying information), all duplicate accounts will be closed and any balances on duplicate accounts will be forfeited. The original account may also be suspended pending investigation.

4.2 Accurate Registration Information

You must provide accurate, complete and current information during registration. This includes your legal name, date of birth, email address and mobile number. Providing false information is a breach of these Terms and may constitute fraud. 92koko will not be liable for any loss arising from inaccurate registration information supplied by you.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your 92koko username and password. You must not share your login credentials with any other person. 92koko will treat any action performed from your Account as having been carried out by you, unless you report a security breach to our support team immediately upon becoming aware of it. 92koko recommends using a strong, unique password and enabling two-factor authentication where available.

4.4 KYC Verification

92koko operates a Know Your Customer programme. You may be asked to verify your identity and the source of your funds at any point, including before processing a withdrawal or after your total cumulative deposits reach certain thresholds. KYC verification requires submission of valid identification documents. Play may be restricted until KYC is completed.

92koko accepts deposits exclusively in Pakistani Rupees (PKR). The following payment methods are currently supported for deposits: Easypaisa, JazzCash, NayaPay, SadaPay, IBFT bank transfer, and Visa/Mastercard debit and credit cards issued by Pakistani banks.

5.1 Minimum Deposit

The minimum deposit amount is Rs 300. 92koko does not charge any fees on deposits. Your payment provider may apply its own transfer charges, which are outside 92koko's control.

5.2 Deposit Ownership

You may only deposit funds that legally belong to you. Deposits using payment accounts registered to another person — unless that person is a verified immediate family member whose details are on file with 92koko — are prohibited. Deposits suspected to be made with stolen or fraudulently obtained funds will be reported to the relevant authorities and all related balances will be frozen immediately.

5.3 Processing Times

Easypaisa and JazzCash deposits typically credit to your 92koko wallet in under 10 seconds. NayaPay and SadaPay deposits process within 1–5 minutes. IBFT bank transfers process within 1–4 banking hours depending on your bank. Card deposits process within 1–10 minutes. These timeframes are estimates and may vary due to third-party processing delays outside 92koko's control.

5.4 Failed Deposits

If a deposit is debited from your payment account but does not appear in your 92koko wallet within the expected timeframe, contact 92koko support with your transaction reference number. 92koko will investigate and, if the funds were received, credit your account promptly. If funds were not received, 92koko will provide evidence to assist you in claiming a refund from your payment provider.

Withdrawals are processed to the same payment method used for deposit wherever possible. 92koko does not facilitate withdrawals to third-party accounts or payment methods not previously used for deposit.

6.1 Minimum Withdrawal

The minimum withdrawal amount is Rs 500. There is no maximum single withdrawal, though very large withdrawals may require additional KYC documentation before processing.

6.2 Withdrawal Conditions

Withdrawals are subject to the following conditions being met in full before processing:

• Your account has completed the standard KYC verification process.
• The withdrawal amount does not include uncleared bonus funds or bonus funds subject to an active wagering requirement.
• No pending investigation, chargeback, or account review is attached to your account at the time of the request.
• Your account has not been flagged for unusual betting patterns, abuse of promotional terms, or any prohibited conduct described in Section 9.

6.3 Processing Times

Standard withdrawal processing times by method: Easypaisa and JazzCash — up to 24 hours; NayaPay and SadaPay — up to 24 hours; IBFT bank transfer — 1–3 banking days; Visa/Mastercard — 3–5 banking days. Diamond loyalty tier members receive express processing which reduces the above times significantly.

6.4 Withdrawal Taxes

92koko does not deduct any tax from withdrawal amounts. You are personally responsible for declaring and paying any applicable taxes on your winnings in accordance with Pakistani tax law. 92koko recommends consulting a qualified tax professional if you are uncertain of your obligations.

7.1 Welcome Bonus

The 92koko welcome bonus is available to new Players on their first deposit. The bonus percentage, maximum bonus amount, and qualifying minimum deposit are stated on the Promotions page at the time of claim. The welcome bonus carries a wagering requirement that must be met before any withdrawal of bonus-derived funds is permitted. The welcome bonus may only be claimed once per Player, household, device, or IP address.

7.2 Wagering Requirements

Unless a specific promotion states otherwise, bonus funds carry a standard wagering requirement of 20x the bonus amount. Bets placed on Baccarat Tie, Dragon Tiger Tie, or any other bet with a house edge greater than 5% contribute at a reduced rate or may not contribute at all toward wagering requirements — the current contribution table is published on the Promotions page.

7.3 Bonus Expiry

Bonus funds and associated free spins expire 30 days after the date of credit, unless the promotion-specific terms state a different expiry. Expired bonus funds and any winnings generated from them are automatically forfeited.

7.4 Bonus Abuse

92koko reserves the right to void any bonus and withhold any winnings if it determines that a Player has abused promotional terms. Abuse includes but is not limited to: creating multiple accounts to claim bonuses multiple times; low-risk betting patterns designed to fulfil wagering requirements while minimising risk; coordinated betting with other Players to exploit bonus structures; and providing false information to qualify for promotions.

7.5 Promotional Changes

92koko may modify, suspend or discontinue any promotion at any time without prior notice. Changes to ongoing promotions with active wagering requirements will not retroactively affect wagering requirements already being fulfilled by Players at the time of the change.

8.1 Game Rules

Each game available on 92koko is governed by its own set of rules displayed within the game interface. Players are responsible for reading and understanding game-specific rules before placing any bet. 92koko is not liable for losses arising from a Player's misunderstanding of game rules.

8.2 Bet Finality

Once a bet has been confirmed and a round or hand has begun, the bet cannot be cancelled or modified. A round is considered to have begun at the moment the first card is dealt, the multiplier begins climbing, the reels spin, or the equivalent initiation event for the relevant game type.

8.3 Malfunctions

In the event of a game, server, or network malfunction during a round, all bets placed in that round will be voided and stakes returned to Players' accounts within 24 hours of the malfunction being identified. 92koko will make reasonable efforts to notify affected Players via their registered email address or through an in-platform notification.

8.4 RNG and Provably Fair Games

RNG (Random Number Generator) games use certified random number generation systems that are periodically audited. Provably fair crash games use a cryptographic seed-based system — the server seed hash is published before each round, and the original seed is revealed after the round so that Players can independently verify that the outcome was not altered. Neither 92koko nor any employee of 92koko can alter the outcome of any round after bets have been placed.

8.5 Live Dealer Games

Live dealer games are played in real time with human dealers. All physical elements — card dealing, wheel spinning, dice throwing — are captured on camera. In the event of a dispute about a live dealer round, 92koko will review the recorded footage to determine the correct settlement. The footage decision is final.

The following actions are strictly prohibited on 92koko. This list is illustrative rather than exhaustive — 92koko reserves the right to determine that any activity not listed here is also prohibited if it is deemed harmful, fraudulent, or contrary to the spirit of fair gaming:

• Registering more than one account, or assisting another person in registering an account for the purpose of claiming promotions multiple times.
• Using any software, bot, script, algorithm, or automated system to place bets, navigate the platform, or interact with games in any way not available to standard users.
• Exploiting any technical bug, glitch, or error in the 92koko platform or any game — whether or not the exploit results in financial gain.
• Colluding with other Players in poker or any multi-player game to gain an unfair advantage.
• Using chip dumping, ghosting, or any other form of cheating in poker games.
• Money laundering, structuring deposits to evade reporting thresholds, or using 92koko for any activity that facilitates illegal financial transactions.
• Depositing or wagering funds obtained through criminal activity.
• Threatening, harassing, or abusing 92koko staff or other Players through any communication channel.
• Providing false personal information, falsifying identity documents, or impersonating another individual.
• Accessing the platform from a jurisdiction where online gaming is illegal under local law and not disclosing this to 92koko.

92koko is committed to responsible gaming and provides a range of tools to help Players maintain control over their gaming activity. These tools are available in your account settings and take effect immediately upon activation.

• Deposit Limits: Set a daily, weekly, or monthly maximum deposit amount. A decrease in limits takes effect immediately. An increase in limits takes effect after a 24-hour cooling-off period.
• Loss Limits: Set a maximum loss per day, week, or month. Once your loss limit is reached, no further bets may be placed until the limit period resets.
• Session Time Reminders: Set a notification to alert you when you have been playing continuously for a chosen period of time.
• Reality Check: Opt in to receive periodic pop-up summaries showing your net win/loss for the current session.
• Self-Exclusion: Temporarily or permanently exclude yourself from 92koko. A temporary self-exclusion can be set for 30 days, 90 days, or 6 months. A permanent self-exclusion is irreversible and results in account closure.

If you believe your gaming is no longer under control, please use these tools immediately and visit our Responsible Gaming page for additional resources and guidance. 92koko may also proactively apply responsible gaming tools to your account if our monitoring systems identify patterns consistent with problem gambling behaviour.

92koko collects, stores and processes personal data in accordance with its Privacy Policy, which is available at /privacy-policy and is incorporated into these Terms by reference. By accepting these Terms, you also accept the Privacy Policy in full.

Personal data collected by 92koko includes but is not limited to: registration information, identity documents submitted for KYC, payment transaction records, device and IP address data, gameplay history, and communications with the support team. This data is used for account management, fraud prevention, KYC compliance, customer support, and platform improvement.

92koko does not sell your personal data to third parties. Data may be shared with payment processors, identity verification services, and fraud prevention agencies where necessary to operate the platform and comply with legal obligations.

All content on the 92koko platform — including but not limited to the 92koko brand name and logo, game artwork, interface design, written content, software code, and promotional materials — is the exclusive intellectual property of 92koko or its licensed third-party providers. This content is protected under applicable copyright, trademark and intellectual property law.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the 92koko platform for personal, non-commercial gaming purposes only. You may not reproduce, distribute, modify, adapt, translate, create derivative works of, publicly display, or exploit any 92koko content without explicit written permission from 92koko.

To the fullest extent permitted by applicable law, 92koko's total liability to any Player in connection with any single event or series of related events shall not exceed the greater of: (a) the amount deposited by the Player in the 30-day period immediately preceding the event giving rise to the claim; or (b) Rs 50,000.

92koko is not liable for:

• Loss of profits, loss of opportunity, loss of revenue, or any other indirect or consequential loss, whether arising from contract, negligence, or otherwise.
• Losses arising from technical failures of third-party payment processors, internet service providers, or device hardware or software.
• Losses arising from a Player's failure to read and understand game rules before placing bets.
• Losses arising from a Player's account being accessed by an unauthorised third party where the Player failed to take reasonable steps to protect their login credentials.
• Interruptions to service caused by scheduled or emergency maintenance, DDoS attacks, or other events outside 92koko's reasonable control.

14.1 Termination by 92koko

92koko reserves the right to suspend or terminate any Account, with or without prior notice, if we have reasonable grounds to believe that:

• The Player has violated any provision of these Terms.
• The Account has been used for fraudulent, money-laundering, or otherwise illegal activity.
• The Player provided false information during registration or KYC.
• The Player is in a jurisdiction that prohibits online gaming and concealed this from 92koko.
• Continued operation of the Account poses a reputational, financial, or legal risk to 92koko.

In cases of termination for fraud, money laundering, or breach of these Terms, 92koko reserves the right to forfeit the Account balance in full. In cases of termination for other reasons, the remaining real-money balance (excluding bonus funds subject to wagering requirements) will be returned to the Player via the original deposit method within 30 days, subject to completion of any pending KYC review.

14.2 Voluntary Account Closure

Players who wish to close their account voluntarily may do so by contacting 92koko support. A closing Account will have its real-money balance withdrawn to the Player's verified payment method after any applicable KYC checks are complete. Accounts under active investigation may not be closed until the investigation is resolved.

92koko may revise these Terms at any time by publishing an updated version on this page. For changes that materially affect Player rights or obligations, 92koko will use reasonable efforts to notify Players at least 7 days in advance via the email address registered to their Account or through a prominent in-platform notice.

Your continued use of 92koko after the effective date of any updated Terms constitutes your acceptance of those updated Terms. If you disagree with an update to the Terms, you must stop using 92koko and may request account closure. 92koko will not retroactively apply updated Terms to bets placed or bonuses activated before the effective date of the update.

The "Last Updated" date shown at the top of this page will always reflect the date of the most recent revision. We recommend bookmarking this page and checking it periodically, particularly before claiming new promotions.

16.1 Customer Support

For all questions, complaints, or disputes related to your 92koko Account, please contact our support team at support@92koko.bet. Our support team operates 24/7 and aims to respond to all enquiries within 3 hours during normal operating conditions. Complex disputes may require longer investigation periods.

16.2 Dispute Process

If you believe a bet or game outcome has been settled incorrectly, you must raise a dispute within 7 days of the disputed event. Disputes raised after this period will not be investigated. To raise a dispute, contact 92koko support with your Account username, the date and time of the disputed event, the game or bet type, and a description of the issue.

92koko will investigate the dispute using available evidence including game logs, live dealer footage, and payment records. A written decision will be provided within 10 working days of the dispute being formally acknowledged. 92koko's decisions are final and binding unless successfully challenged through a formal legal process in a competent court of jurisdiction.

16.3 Governing Law

These Terms are governed by and construed in accordance with the laws of Pakistan. Any dispute arising under or in connection with these Terms that cannot be resolved through 92koko's internal dispute process shall be submitted to the exclusive jurisdiction of the competent courts of Pakistan.