pjoko Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions (the "Terms") constitute a legally binding agreement between you ("the Player", "you", "your") and pjoko ("pjoko", "we", "us", "our"), the operator of the online casino and sports betting platform accessible at pjoko.io (the "Platform"). By accessing, registering on, or in any way using the Platform, you acknowledge that you have read these Terms in their entirety, that you understand them, and that you agree to be bound by them without reservation.

If you do not agree with any part of these Terms, you must not access or use the Platform. Continued use of the Platform following any amendment to these Terms constitutes your acceptance of the revised Terms. pjoko recommends that you review this page periodically to stay informed of any changes.

These Terms apply to all activities conducted through the Platform, including account registration, deposits, withdrawals, participation in games and sports betting markets, use of promotional offers, and all interactions with pjoko customer support.

2. Eligibility

Access to and use of the Platform is restricted to individuals who satisfy all of the following conditions:

• You are at least 21 years of age at the time of registration and at all times while using the Platform.
• You are accessing the Platform from a jurisdiction where online gambling is not expressly prohibited by local law applicable to you as an individual.
• You are not a current or former employee, director, officer, contractor, or agent of pjoko, nor an immediate family member of any such person.
• You are not registered as a self-excluded player on the pjoko Platform or any affiliated responsible gaming register.
• You are acting on your own behalf and not as an agent, nominee, or representative of any third party.

pjoko reserves the right to request documentary proof of age, identity, and address from any player at any time. This may include, but is not limited to, a government-issued national identification card, passport, or utility bill issued within the preceding three months. Until satisfactory verification documents are received and approved, access to withdrawals and certain features may be restricted.

pjoko does not accept registrations from individuals located in jurisdictions where online gambling is prohibited. It is the sole responsibility of the player to ensure that their use of the Platform complies with all laws and regulations applicable to them.

3. Account Registration

3.1 Registration Requirements

To use the full features of the Platform, you must register a player account. During registration, you are required to provide accurate, complete, and current information, including your full legal name, date of birth, email address, and preferred BDT payment method. You agree to keep this information updated at all times. pjoko will not be held responsible for any loss or inconvenience arising from inaccurate or outdated account information provided by the player.

3.2 One Account Policy

Each individual player is permitted to hold exactly one active account on the Platform. The creation of multiple accounts — whether using the same or different personal details, payment methods, or device identifiers — is strictly prohibited. pjoko employs technical and manual monitoring measures to detect duplicate accounts. Where duplicate accounts are identified, pjoko reserves the right to close all duplicate accounts immediately, withhold any bonuses obtained through those accounts, and, in cases of deliberate fraud, forfeit account balances pending investigation.

3.3 Account Credentials

You are solely responsible for the security of your pjoko login credentials. You must not disclose your username or password to any other person, allow any other person to access your account, or use any other player's account. pjoko will not be liable for any losses incurred as a result of unauthorised use of your account where you have not taken reasonable steps to protect your credentials. You must notify pjoko immediately at [email protected] if you suspect that your account has been accessed without your authorisation.

3.4 Know Your Customer (KYC)

pjoko operates a Know Your Customer (KYC) verification process in line with responsible gaming and anti-money laundering best practices. All players may be required to complete KYC verification before processing withdrawals. Required documents typically include a government-issued photo ID and proof of address. Players who fail to complete KYC within a reasonable timeframe may have their withdrawal requests held pending verification.

4. Deposits and Withdrawals

4.1 Deposit Methods

pjoko accepts deposits in Bangladeshi Taka (BDT) via the following payment methods: bKash, Nagad, Rocket, Upay, Visa, and Mastercard. The minimum single deposit amount is ৳500. Deposits are credited to your account instantly upon confirmed receipt from your payment provider. pjoko does not charge fees on standard deposits; however, your payment provider may apply their own transaction charges, for which pjoko is not responsible.

4.2 Withdrawal Methods

Withdrawals are processed to the same payment method used to make the original deposit wherever technically possible. The minimum withdrawal amount is ৳1,000. Withdrawal requests submitted before 5:00 PM Bangladesh Standard Time (BST, UTC+6) on a business day are typically processed within 24 hours. Requests submitted outside these hours are processed on the next available business day. Withdrawal timelines are subject to satisfactory completion of KYC verification.

4.3 Currency

All transactions on the pjoko Platform are conducted in Bangladeshi Taka (BDT). Where a player initiates a payment in a different currency, their payment provider's prevailing exchange rate will apply. pjoko is not responsible for currency conversion costs or discrepancies arising from third-party conversion rates.

4.4 Declined Transactions

pjoko reserves the right to decline, delay, or reverse any deposit or withdrawal transaction that it believes, in its sole discretion, may be associated with fraudulent activity, money laundering, or a breach of these Terms. In such circumstances, pjoko will notify the player and may request additional verification information before the transaction is processed.

5. Bonuses and Promotions

5.1 General Bonus Terms

pjoko offers a range of promotional bonuses to new and existing players. All bonuses are subject to individual terms and conditions, which will be displayed at the time the promotion is offered. Players are strongly advised to read the specific terms of each promotion before opting in. In the event of a conflict between the specific promotion terms and these general Terms and Conditions, the specific promotion terms shall prevail.

5.2 Wagering Requirements

Bonus funds and any winnings generated from bonus funds are subject to wagering requirements before they may be withdrawn as real cash. The applicable wagering multiplier will be stated clearly in the promotion terms (for example, a 30x wagering requirement means that the bonus amount must be wagered thirty times in aggregate before a withdrawal is permitted). Not all games contribute equally to wagering requirements — live casino games, sports betting, and certain slots may contribute at different rates, as specified in each promotion.

5.3 Bonus Expiry

Bonuses that are not claimed within the stated claim period, and wagering requirements that are not completed within the stated validity window, will expire automatically. Expired bonuses and any associated winnings will be removed from the account without prior notice. pjoko is not obligated to reinstate expired bonuses under any circumstances.

5.4 Abuse of Promotions

Any attempt to abuse, exploit, or manipulate promotional offers — including but not limited to coordinated multi-account bonus claiming, use of automated software to meet wagering requirements, or deliberate low-risk wagering strategies designed to circumvent bonus terms — will result in the immediate cancellation of the relevant bonus, forfeiture of associated winnings, and may lead to permanent account suspension.

5.5 Black Diamond VIP Programme

The pjoko Black Diamond VIP Programme is an invitation-based loyalty tier available to qualifying high-activity players. Membership benefits, cashback rates, personal account manager access, and exclusive tournament invitations are determined at pjoko's sole discretion and may be amended or withdrawn at any time. Participation in the VIP Programme is governed by these Terms and any additional VIP-specific terms communicated directly to qualifying members.

6. Gameplay Rules

6.1 Game Integrity

All games available on the pjoko Platform utilise certified random number generator (RNG) technology provided by our partner game studios, including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Spribe, and Ezugi. Game outcomes are generated independently and cannot be influenced by pjoko, the game provider, or the player. pjoko does not adjust odds, manipulate outcomes, or operate with hidden house rules beyond the published return-to-player (RTP) percentages for each game.

6.2 Technical Malfunctions

In the event of a technical malfunction, game error, or network interruption during a game session or live betting event, the affected round or bet may be declared void. pjoko will not be liable for any losses arising from technical malfunctions outside its reasonable control. Where a malfunction results in an erroneous payout, pjoko reserves the right to recover the incorrectly credited amount from the player's account balance.

6.3 Sports Betting

Sports betting markets, including cricket (BPL, IPL, T20 World Cup, Bangladesh Tigers), football, and kabaddi, are settled in accordance with the official results of the relevant governing body. In-play bets placed after an event's conclusion will be voided. pjoko reserves the right to suspend betting markets, adjust odds, or void bets at its discretion where there is credible evidence of match-fixing, data error, or irregular betting patterns.

7. Prohibited Conduct

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

• Using automated software, bots, scripts, or artificial intelligence tools to interact with the Platform in a manner that provides an unfair advantage.
• Engaging in any form of collusion with other players, game studio representatives, or pjoko employees.
• Attempting to reverse-engineer, hack, or interfere with the Platform's software, security systems, or data infrastructure.
• Using the Platform for any purpose other than personal entertainment, including commercial gain, money laundering, or financing of illegal activities.
• Providing false, misleading, or fraudulent identity or payment information during registration, KYC, or any transaction process.
• Engaging in abusive, threatening, discriminatory, or harassing behaviour toward pjoko staff or other players through any communication channel.
• Exploiting software errors or displaying game vulnerabilities to gain an unfair advantage, rather than reporting them to pjoko support.

8. Responsible Gaming

pjoko is firmly committed to promoting responsible gambling practices across its player community. The Platform is intended solely for adult entertainment. Gambling should never be viewed as a source of income, a way to recover financial losses, or an activity pursued under emotional distress.

pjoko provides the following responsible gaming tools, all of which are available free of charge and take effect immediately upon the player's request:

• Deposit Limits: Players may set daily, weekly, or monthly deposit limits from their account settings. Limits can be reduced immediately but may be subject to a 24-hour cooling period before being increased.
• Session Time Reminders: Players may configure notifications that appear at regular intervals during a gaming session to remind them of time spent on the Platform.
• Cool-Off Periods: A temporary suspension of account access, ranging from 24 hours to 6 weeks, may be activated at any time. During a cool-off period, the account cannot be used for betting or deposits.
• Self-Exclusion: Players who feel that their gambling is causing harm may request permanent self-exclusion at any time by contacting support at [email protected]. Self-exclusion is applied immediately and cannot be reversed for a minimum period of six months.

If you are concerned about your gambling habits, or those of someone you know, we encourage you to reach out to our responsible gaming team at any time. For players aged 21 and above only — under-21 access to the Platform is prohibited under all circumstances.

9. Privacy and Data

pjoko collects and processes personal data in accordance with its Privacy Policy, which is available at /privacy-policy. By registering on the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy. pjoko does not sell or share player data with third parties for marketing purposes without explicit consent. All data is stored securely and protected by 256-bit SSL encryption.

pjoko may share player data with third-party service providers strictly for the purpose of operating the Platform (including payment processors, game providers, and KYC verification services), and with regulatory or law enforcement authorities where required by applicable law.

10. Limitation of Liability

To the maximum extent permitted by applicable law, pjoko's total liability to you in connection with the Platform — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total amount deposited by you in the twelve months preceding the relevant claim.

pjoko 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 service interruption, arising from your use of or inability to use the Platform, even if pjoko has been advised of the possibility of such damages.

pjoko makes no warranty that the Platform will be available continuously, error-free, or free of viruses or other harmful components. The Platform is provided on an "as is" and "as available" basis. Scheduled maintenance windows will be communicated in advance where reasonably practicable.

11. Amendments to These Terms

pjoko reserves the right to amend, update, or replace these Terms and Conditions at any time. When material changes are made, pjoko will notify registered players via email or a prominent notice on the Platform at least seven (7) days before the changes take effect, except where changes are required urgently to address legal, security, or regulatory obligations, in which case they may take effect immediately.

Your continued use of the Platform following the effective date of any revised Terms constitutes your acceptance of those revised Terms. If you do not agree with the revised Terms, you must cease using the Platform and may request account closure by contacting support.

The most current version of these Terms will always be accessible at /terms-conditions. The "Last updated" date at the top of this document reflects when the most recent revision took effect.

12. Contact and Complaints

For any questions, concerns, or complaints relating to these Terms and Conditions, or to the operation of the pjoko Platform, please contact our support team through the following channels:

• Live Chat: Available 24 hours a day, 7 days a week, directly from any page on the Platform.
• Email: [email protected] — responses within 4 hours Bangladesh Standard Time (BST, UTC+6).

pjoko is committed to resolving all player complaints fairly and promptly. Formal complaints submitted via email will be acknowledged within 24 hours and resolved within a maximum of 10 business days. Where a complaint cannot be resolved through direct support, players may escalate through available dispute resolution channels.

By using the pjoko Platform, you confirm that you are 21 years of age or older, that you have read and understood these Terms and Conditions in full, and that you agree to be bound by them. These Terms were last updated on 1 January 2026.