Hbaji20's Terms & Conditions

Welcome to hbaji20.com. These Terms and Conditions ("Terms") form a legally binding agreement between you and hbaji20 ("we", "us", "the Platform"). By using our website or app, you agree to be fully bound by these Terms. If you do not agree with any part of these Terms, please do not use our platform.

📋 1. General Terms

Hbaji20 is an online betting and gaming platform offering Sports Betting, Live Casino, and a range of gaming services to users in Bangladesh. Registration and use of our platform is entirely voluntary, and you are deemed to be using these services of your own free will.

1.1 Applicability

These Terms apply to all hbaji20 products and services — including the website, mobile app, API, and any new services launched in the future.

1.2 Acceptance of Terms

By creating an account, logging in, or placing any bet on our platform, you confirm that you have read, understood, and agreed to these Terms and Conditions.

👤 2. Account Registration

To open an account with hbaji20, you must meet the following requirements:

• You must be at least 18 years of age.
• You must register using accurate and truthful information.
• Each person may only register one account.
• Opening an account under someone else's name or identity is strictly prohibited.
• You must notify us if any information provided during registration changes.

2.1 Identity Verification (KYC)

Hbaji20 may request identity verification if you wish to withdraw above a certain amount or claim promotional benefits. You may be required to submit a copy of your National ID, passport, or driving licence.

2.2 Account Security

You are solely responsible for keeping your account password and login credentials confidential. You are fully liable for all activity carried out through your account. If you suspect your account has been hacked or accessed without authorization, contact our support team immediately.

🏏 3. Betting Rules

Please familiarise yourself with the rules below before placing any bets on hbaji20. These rules apply to Sports Betting, live betting, and all gaming categories.

3.1 Bet Confirmation

Once a bet is placed and confirmed by the system, it cannot be cancelled. Always verify all details before confirming your bet — team, market, odds, and stake amount.

3.2 Odds Changes

In live betting, odds can change rapidly based on match conditions. All bets will be settled at the odds at which they were accepted.

3.3 Match Cancellation or Postponement

• If a match is cancelled before it begins, the bet will be refunded.
• If a match is abandoned before a specified point after kick-off — generally 90 minutes or before 50% of the scheduled time has elapsed — all bets will be voided.
• If a match is postponed for more than 48 hours, all bets will be considered void.

3.4 Incorrect Odds

If hbaji20 offers incorrect odds for any reason and a bet is placed at those odds, we reserve the right to void the bet or recalculate it at the correct odds.

💳 4. Deposit & Withdrawal Policy

All financial transactions on hbaji20 are processed through secure, encrypted channels. We support Bangladesh's major mobile banking services, including bKash, Nagad, and Rocket.

4.1 Deposit Terms

• Minimum deposit amount: ৳500.
• Only use payment methods registered in your own name.
• Using a payment method registered under a third party's name may result in account suspension.
• Deposits are normally credited instantly; any delays are resolved within 24 hours.

4.2 Withdrawal Terms

• Minimum withdrawal amount: ৳1,000.
• Maximum daily withdrawal limit: ৳2,00,000.
• Withdrawal requests are typically processed within 3–24 hours.
• Large withdrawals may be held pending completion of KYC verification.

4.3 Currency

All transactions on hbaji20 are conducted in Bangladeshi Taka (BDT). For any transactions involving foreign currency, the prevailing exchange rate will apply.

🎁 5. Bonus & Promotion Terms

Hbaji20 regularly offers a variety of bonuses and promotional offers. Please read the following terms carefully before claiming any offer.

5.1 Wagering Requirements

Most bonuses come with a wagering requirement. For example, if a bonus has a 10x wagering requirement and the bonus amount is ৳1,000, you must place ৳10,000 in bets before you can make a withdrawal.

5.2 Bonus Expiry

• All bonuses have an expiry date, which is stated alongside the offer.
• Any unused bonus will be automatically cancelled once it expires.
• Any attempt to withdraw a bonus without meeting the wagering requirements will result in the bonus being forfeited.

5.3 Bonus Abuse

Claiming bonuses through multiple accounts or abusing the bonus system in any way will result in all bonuses being forfeited and may lead to permanent account closure.

🛡️ 6. Responsible Gaming

Hbaji20 is committed to responsible gaming. We want to ensure that entertainment on our platform never becomes a problem.

• You can set daily, weekly, or monthly deposit limits on your account.
• Use the self-exclusion option if needed to temporarily or permanently restrict your own access.
• Our policy is strict: no one under the age of 18 is permitted to use our platform.
• If you're experiencing a gaming problem, please visit our Responsible Gaming View page.

🚫 7. Prohibited Activities

The following activities are strictly prohibited on hbaji20 and will result in permanent account closure, with legal action taken where applicable:

• Participating in match fixing or any form of sports fraud.
• Placing bets using bots or automated software.
• Using the platform for money laundering or any illegal financial activity.
• Claiming bonuses through multiple accounts.
• Attempting unauthorized access to another user's account.
• Hacking or any form of cyberattack targeting hbaji20's systems.
• Registering an account using false information.

🔐 8. Account Suspension & Closure

Hbaji20 reserves the right to suspend or permanently close an account without prior notice in the following circumstances:

• Violation of these Terms & Conditions.
• Where evidence of fraudulent or dishonest activity is found.
• Failure to pass KYC verification.
• Attempting to access the platform from a prohibited country or region.

8.1 Account Closure by User

You can request account closure at any time by emailing our support team. Please withdraw any remaining balance before the account is closed.

⚖️ 9. Dispute Resolution

If you have a dispute regarding a betting outcome or transaction, please contact our customer service team first. We always strive for a fair and prompt resolution.

9.1 Complaints Process

• Deadline for submitting a complaint: within 72 hours of the incident.
• Hbaji20 will respond to complaints within 5 business days of receipt.
• Complex disputes may take up to 14 business days to resolve.

9.2 Final Decision

In all disputes, the decision of hbaji20 management shall be considered final. That said, we are committed to always reaching a fair outcome for our users.

🔄 10. Changes & Updates to Terms & Conditions

Hbaji20 reserves the right to update these Terms and Conditions at any time. For significant changes, we will notify you via your registered email or a notice on the platform.

• Continued use of the platform after any changes takes effect constitutes acceptance of the updated Terms & Conditions.
• We recommend reviewing this page regularly.
• The date of each update will be noted at the top of the page.