pak95 Terms & Conditions

In these Terms & Conditions, the following definitions apply unless the context requires otherwise:

• "pak95," "we," "us," or "our" refers to the pak95 online gaming platform accessible at pak95.net, including all subdomains, mobile-optimised interfaces, and associated services.
• "Player," "you," or "your" refers to any individual who registers an account on the pak95 platform or accesses any part of the pak95 website.
• "Account" means the personal gaming account created by a Player upon successful registration on the pak95 platform.
• "Platform" refers collectively to the pak95 website, its games library, sportsbook, payment infrastructure, customer support channels, and all related digital services.
• "Games" means all casino games, live dealer tables, slot machines, table games, Color Game, and any other interactive gaming products available on the pak95 platform.
• "Sportsbook" means the sports betting product offered on the pak95 platform, covering cricket, PSL, football, kabaddi, tennis, UFC, and other sporting events.
• "Wager" means any bet, stake, or game round placed by a Player using funds from their pak95 Account balance.
• "PKR" means Pakistani Rupee, the primary currency of the pak95 platform.
• "Bonus Funds" means any promotional credits, free spins, deposit match bonuses, or other incentives credited to a Player's Account by pak95.
• "Real Money Balance" means funds deposited by the Player via JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, or any other approved payment method.
• "KYC" means Know Your Customer verification procedures required to confirm a Player's identity before processing withdrawals or at pak95's discretion.
• "Terms" means these Terms & Conditions as amended from time to time by pak95.

Access to and use of the pak95 platform is subject to the following eligibility requirements, which must be satisfied at all times during a Player's use of the platform:

• Minimum Age: You must be at least 21 years of age to register an Account, make a deposit, or place any Wager on the pak95 platform. pak95 strictly prohibits access by minors and operates a zero-tolerance policy in this regard.
• Age Verification: pak95 reserves the right to request proof of age at any time, including at the point of registration, at the point of first withdrawal, or at any subsequent stage. Acceptable documentation includes a valid CNIC (Computerised National Identity Card), passport, or other government-issued identification. Failure to provide satisfactory age verification documentation will result in immediate account suspension.
• Geographic Eligibility: The pak95 platform is operated under an international gaming license. It is the Player's sole responsibility to verify that accessing and using online gaming services is lawful in their jurisdiction prior to registration. pak95 makes no representation that the platform is legal in all jurisdictions.
• Single Account: Each eligible individual may register only one Account on the pak95 platform. Operating multiple accounts is strictly prohibited and will result in permanent suspension of all associated accounts and forfeiture of any balances therein.
• Personal Use: Players may only register and use an Account for their own personal, non-commercial use. Registering an account on behalf of a third party is strictly forbidden.
• Mental Capacity: By registering, you confirm that you are of sound mind, acting voluntarily, and are not under the influence of any substance that impairs your judgment when accessing the platform.

To access the full range of pak95 services, you must complete the registration process accurately and truthfully. The following conditions apply to the registration and ongoing maintenance of your Account:

• Accurate Information: All information provided during registration — including your full legal name, date of birth, Pakistani mobile number, and email address — must be accurate, current, and complete. Providing false or misleading information constitutes a material breach of these Terms.
• Account Security: You are solely responsible for maintaining the confidentiality of your login credentials, including your password and any OTP codes sent to your registered mobile number. pak95 will not be liable for any loss resulting from unauthorised access to your Account where such access was facilitated by your failure to safeguard your credentials.
• Two-Factor Authentication: pak95 strongly recommends enabling SMS-based two-factor authentication on your Account. This feature is available within your Account dashboard settings and provides an additional layer of security against unauthorised access.
• Account Updates: You are responsible for keeping your Account information up to date. If your registered mobile number, email address, or any other material account detail changes, you must update your Account information promptly via the Account settings dashboard.
• Non-Transferability: Your Account is strictly personal and non-transferable. You may not sell, transfer, assign, or otherwise dispose of your Account or any funds held therein to any other person.
• Dormant Accounts: Accounts that have had no login activity for a period of 12 consecutive months may be classified as dormant. pak95 reserves the right to apply a monthly administrative fee to dormant accounts in accordance with its then-current fee schedule, which will be communicated to you in advance.

pak95 supports a range of Pakistani payment methods for depositing funds into your Account. All deposits are processed in Pakistani Rupees (PKR) and are subject to the following conditions:

• Approved Methods: The currently approved deposit methods on pak95 are JazzCash, EasyPaisa, HBL bank transfer, UBL bank transfer, and Meezan Bank transfer. pak95 reserves the right to add, remove, or modify available payment methods at any time without prior notice.
• Minimum Deposit: The minimum deposit amount is Rs 500 per transaction. Maximum deposit limits may apply depending on your payment method and account verification status.
• Processing Times: JazzCash and EasyPaisa deposits typically clear within 30 seconds of submission. Bank transfer deposits via HBL, UBL, and Meezan Bank are typically processed within 10 to 30 minutes during standard banking hours.
• Own Funds: You may only deposit funds from payment accounts and bank accounts that are registered in your own name. Deposits from third-party accounts are strictly prohibited. pak95 reserves the right to reject any deposit where there is reasonable suspicion that the funds do not originate from the Account holder.
• No Deposit Fees: pak95 does not charge transaction fees on deposits. However, your mobile wallet provider or bank may apply their own applicable charges, for which pak95 accepts no responsibility.
• Failed Transactions: pak95 accepts no liability for failed deposit transactions where the failure is attributable to your payment provider, network connectivity, or any factor outside pak95's direct control. In the event of a disputed transaction, the Player should contact the pak95 support team with the relevant transaction reference number.

Players may request withdrawals of their Real Money Balance subject to the following conditions:

• Withdrawal Method: Withdrawals will be processed to the same payment method used for the corresponding deposit wherever possible. pak95 reserves the right to request that withdrawals be made to a verified payment account in the Player's own name.
• KYC Verification: pak95 may require completion of KYC verification before processing any withdrawal request. This may include submission of a copy of your CNIC, a selfie with your CNIC, and/or proof of your registered payment account. Failure to complete KYC verification will result in your withdrawal request being placed on hold until documentation is received and approved.
• Processing Times: Withdrawal requests to JazzCash and EasyPaisa wallets are typically processed within 30 minutes of approval. Withdrawal requests to bank accounts are typically processed within one to three business days.
• Minimum Withdrawal: The minimum withdrawal amount is Rs 1,000 per transaction.
• Bonus Wagering Requirements: Real Money winnings derived from Bonus Funds are subject to applicable wagering requirements, which must be fulfilled before a withdrawal can be processed. Attempting to withdraw funds prior to meeting wagering requirements may result in forfeiture of associated Bonus Funds.
• Fraud Prevention: pak95 reserves the right to delay or withhold any withdrawal request pending investigation where there is reasonable suspicion of fraudulent activity, terms abuse, or any other irregular activity on the Account.

pak95 offers various bonuses and promotional offers to both new and existing Players. All bonuses are subject to the following general terms, in addition to any specific terms published alongside each individual promotion:

• Wagering Requirements: All Bonus Funds are subject to wagering requirements before they or any associated winnings may be withdrawn. The applicable wagering multiplier will be specified in the promotion terms for each offer. Failure to meet wagering requirements within the specified timeframe will result in forfeiture of Bonus Funds and any winnings derived therefrom.
• One Bonus at a Time: Unless explicitly stated otherwise, only one bonus may be active on a Player's Account at any given time. Attempting to claim multiple bonuses simultaneously may result in forfeiture of all associated bonuses.
• Eligible Games: Not all games contribute equally to wagering requirements. Slot games typically contribute 100% toward wagering requirements, while live casino table games and sports bets may contribute at a reduced rate. Specific contribution rates are detailed in individual promotion terms.
• Abuse of Bonus Offers: pak95 reserves the right to withdraw any bonus, void any winnings, and suspend any Account where there is evidence that a Player has registered multiple accounts, colluded with other Players, or otherwise exploited bonus offers in bad faith.
• Modification of Promotions: pak95 reserves the right to modify, suspend, or discontinue any promotional offer at any time. Changes to ongoing promotions will be communicated via the platform with reasonable notice where practicable.

The following rules apply to all Wagers placed on the pak95 platform, whether on casino games, the sportsbook, or any other gaming product:

• Finality of Results: All game outcomes are determined by certified random number generator (RNG) software or by live event results as applicable. Game results are final once confirmed by the platform. pak95 will not reverse or modify confirmed game outcomes except in cases of verifiable technical malfunction.
• Insufficient Funds: Wagers may only be placed using available Real Money Balance or eligible Bonus Funds. Wagers will not be accepted where the Account balance is insufficient to cover the stake.
• Technical Malfunctions: In the event of a technical malfunction that affects game integrity or the accuracy of displayed information, pak95 reserves the right to void affected Wagers and return stakes to the Player's Account. pak95's decision in such matters is final.
• Sports Betting: All sports bets are subject to the specific rules for the relevant sport and market as published on the pak95 sportsbook. In the event of an event being cancelled, postponed, or abandoned, the applicable settlement rules will be those published in the sportsbook rules at the time the bet was placed.
• Obvious Errors: pak95 reserves the right to void any Wager placed at odds or on terms that were published in error, provided that the error was obvious and a reasonable person would have recognised it as such. Winnings resulting from obvious errors will not be paid.
• Maximum Winnings: Maximum payout limits per game round or per betting event may apply. Where applicable, these limits are displayed within the relevant game or betting market. pak95's liability for any single winning event is capped at the published maximum payout.

The following activities are strictly prohibited on the pak95 platform. Engaging in any prohibited conduct may result in immediate account suspension, forfeiture of balances, and referral to relevant authorities where appropriate:

• Registering more than one Account on the pak95 platform, whether under the same or a different identity.
• Providing false, inaccurate, or misleading information during registration or any subsequent KYC process.
• Using another person's identity, payment account, or personal information without their explicit consent.
• Depositing funds obtained through illegal means, including but not limited to fraud, theft, or money laundering.
• Exploiting software bugs, glitches, or technical vulnerabilities in the pak95 platform for financial gain.
• Using automated software, bots, scripts, or any artificial intelligence tools to interact with the platform in a manner not intended for human users.
• Colluding with other Players or third parties to manipulate game outcomes, betting markets, or promotional systems.
• Engaging in any activity that constitutes match-fixing, spot-fixing, or any other form of sports integrity violation in connection with bets placed on the pak95 sportsbook.
• Accessing the platform for the purpose of money laundering or any other financial crime.
• Harassing, threatening, or abusing pak95 staff, support agents, or other Players via any communication channel.

All intellectual property rights in the pak95 platform, including but not limited to the pak95 brand name, logo, website design, software, game interfaces, graphics, text, and other content, are owned by or licensed to pak95 and are protected by applicable intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the pak95 platform for personal, non-commercial entertainment purposes only. This licence does not include any right to copy, reproduce, modify, distribute, publicly display, or create derivative works from any part of the pak95 platform without the prior written consent of pak95.

Game content available on the pak95 platform may be developed by third-party game studios and remains the intellectual property of those respective studios. pak95 operates these games under valid licensing agreements.

To the fullest extent permitted by applicable law, pak95's total aggregate liability to any Player in connection with these Terms or the use of the pak95 platform shall not exceed the total amount of Real Money deposited by that Player in the 30 days preceding the event giving rise to the claim.

pak95 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or loss of opportunity, arising out of or in connection with:

• Any interruption, suspension, or unavailability of the pak95 platform due to technical maintenance, network failures, or circumstances beyond pak95's reasonable control.
• Any delay in deposit crediting or withdrawal processing attributable to third-party payment providers including JazzCash, EasyPaisa, HBL, UBL, or Meezan Bank.
• Any loss suffered as a result of a Player's gambling decisions, including losses on casino games, sports bets, or any other Wagers placed on the platform.
• Any unauthorised access to a Player's Account resulting from the Player's failure to maintain adequate credential security.
• Any reliance by a Player on information, odds, or statistics displayed on the platform that are subsequently found to be erroneous.

Nothing in these Terms shall operate to exclude or limit pak95's liability for death or personal injury caused by its negligence, fraud, or any other liability that cannot be excluded under applicable law.

pak95 collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference. By registering an Account, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected during registration and platform use — including your name, CNIC details, mobile number, email address, and transaction history — is used for account management, identity verification, fraud prevention, regulatory compliance, and the improvement of platform services. pak95 does not sell your personal data to unaffiliated third parties for marketing purposes.

For full details on how pak95 collects, uses, stores, and protects your personal data, and your rights in relation thereto, please review the Privacy Policy.

pak95 is committed to promoting responsible gaming practices and providing tools to support Players who may be at risk of developing problematic gambling behaviour. The following responsible gaming provisions are available to all registered Players:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits on their Account to control their spending. Once a limit is set, it takes effect immediately. Requests to increase a previously set limit are subject to a 72-hour cooling-off period.
• Session Time Limits: Players may configure session duration reminders and automatic session time limits within their Account settings to help manage time spent on the platform.
• Self-Exclusion: Players who wish to take a break from gaming may request a self-exclusion period of 30 days, 90 days, 6 months, 1 year, or permanent exclusion. Self-exclusion requests must be submitted via the pak95 support team. During a self-exclusion period, the Player's Account will be disabled and cannot be reactivated until the exclusion period has expired.
• Reality Checks: pak95 provides optional in-session notifications that remind Players of the duration of their gaming session and the net amount wagered during that session.
• Age Restriction: The minimum age to use the pak95 platform is strictly 21 years. Players who suspect that a minor has accessed the platform should report this immediately to the pak95 support team.

For comprehensive information on responsible gaming tools, support resources, and self-help organisations available to Pakistani players, please visit the Responsible Gaming page.

pak95 reserves the right to suspend, restrict, or permanently terminate any Player's Account at its sole discretion, including but not limited to the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Failure to complete KYC verification within the timeframe requested by pak95.
• Reasonable suspicion of fraudulent activity, identity theft, or money laundering.
• Registration or use of the platform from a jurisdiction where online gaming is prohibited.
• Any conduct that pak95 reasonably believes constitutes abuse of the platform, its staff, or its other Players.
• Receipt of a chargeback instruction from a Player's payment provider.

In the event of account termination for cause, pak95 reserves the right to withhold any Real Money Balance pending investigation. Where termination is not attributable to Player misconduct, any verified Real Money Balance will be returned to the Player's registered payment account within a reasonable timeframe following the completion of any applicable investigation.

Players may also voluntarily close their Account at any time by contacting the pak95 support team. Voluntary closure requests will be processed within five business days.

pak95 reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, pak95 will provide reasonable notice to registered Players via email to the registered address or via a prominent notice on the platform prior to the changes taking effect.

Continued use of the pak95 platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any amended Terms, you must cease using the platform and may request voluntary Account closure in accordance with Section 13 above.

The date on which these Terms were last updated is displayed at the top of this page. It is your responsibility to review these Terms periodically to remain informed of any changes.

These Terms & Conditions and any dispute or claim arising out of or in connection with them — including non-contractual disputes — shall be governed by and construed in accordance with the laws applicable under pak95's international gaming license jurisdiction.

In the event of a dispute between a Player and pak95 relating to a specific Wager, game outcome, or account matter, the Player should first contact the pak95 customer support team with full details of the dispute. pak95 aims to resolve all Player disputes within five business days of receiving a complete and clear complaint submission.

If a dispute cannot be resolved through the internal complaints process, Players may escalate the matter to the relevant dispute resolution body under pak95's applicable gaming license. Details of the applicable dispute resolution body are available by contacting the pak95 support team.

Nothing in this clause shall prevent either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction where necessary to protect their rights pending the outcome of dispute resolution proceedings.

If you have any questions, concerns, or complaints relating to these Terms & Conditions or any aspect of the pak95 platform, please contact our support team using the details below:

• Live Chat: Available 24/7 inside your pak95 Account dashboard — the fastest way to reach us.
• Email: [email protected] — responses typically within 4 hours.
• Support Hours: 24 hours a day, 7 days a week, including all public holidays in Pakistan.
• Languages: Support is available in both English and Urdu.

When contacting support regarding a specific Account matter, please have your registered mobile number and Account username available to assist with verification.