Lucky 95 Terms and Conditions — Platform Rules & User Agreement

By registering an account on Lucky 95, accessing the platform through any device or browser, or downloading and using the Lucky 95 Android app, you confirm that you have read, understood and agreed to these Terms and Conditions in full. If you do not agree with any part of these terms, you must not register an account or use the platform in any capacity.

These terms form a legally binding agreement between you and Lucky 95. They apply to all users of the platform — new registrants, existing account holders and anyone accessing the platform as a guest where guest access is available. Using the platform after any update to these terms constitutes acceptance of the updated version.

To register a Lucky 95 account you must meet all of the following requirements:

• You must be at least 18 years of age at the time of registration. Lucky 95 is strictly for adults. If we have reason to believe an account belongs to someone under 18, that account will be suspended immediately and any balance forfeited pending investigation.
• You must be registering as an individual, in your own name, using accurate personal information. Registering on behalf of another person is not permitted.
• You must not already hold an active Lucky 95 account. Only one account per person is permitted. Duplicate accounts will be closed and bonuses associated with them will be voided.
• You must not be subject to a self-exclusion on Lucky 95. If you have previously self-excluded and the exclusion period has not yet ended, you may not register a new account.

Lucky 95 reserves the right to request identity verification documents at any stage — registration, first withdrawal or as part of an ongoing security review. Providing false information during registration is grounds for immediate account closure.

You are responsible for keeping your Lucky 95 login credentials — your username and password — secure. Do not share your account details with anyone. Lucky 95 will never ask you for your password via live chat, email or any other communication channel. If you receive a message asking for your password, treat it as a phishing attempt and report it to our support team.

All activity that takes place on your account — including deposits, bets placed and withdrawals — is your responsibility. If you believe your account has been accessed without your authorisation, contact Lucky 95 support immediately via live chat so the account can be temporarily frozen while the issue is investigated.

Lucky 95 accounts are personal and non-transferable. You may not sell, transfer or assign your account or any balance within it to another person. Attempts to transfer accounts will result in closure of all accounts involved.

All transactions on Lucky 95 are processed in PKR. The platform supports the following payment methods for both deposits and withdrawals: JazzCash, Easypaisa, Raast, Bank Transfer, debit and credit cards (Visa and Mastercard) and selected mobile wallets. The availability of specific methods may vary — current options are displayed in the banking section of your account.

Deposits: Deposits are credited to your account balance promptly after confirmation from the payment provider. JazzCash and Easypaisa deposits are typically instant. Bank transfers may take longer depending on your bank's processing times. Lucky 95 does not charge fees on deposits, but your payment provider may apply their own charges — check with them directly.

Withdrawals: Withdrawal requests are processed to the same method used for your most recent deposit where possible. To protect against fraud, Lucky 95 may require identity verification before processing a first withdrawal or any withdrawal above a defined threshold. Verified withdrawals are processed within the timelines shown in the banking section at the time of your request.

Withdrawal requests may be reviewed before processing as part of our standard security procedures. If a withdrawal is flagged for review, the support team will contact you within 24 hours. VIP members at Gold tier and above benefit from priority withdrawal processing.

Lucky 95 reserves the right to withhold withdrawals pending investigation if there is reason to believe the account has been involved in fraudulent activity, abuse of bonuses or any breach of these terms.

Lucky 95 offers bonuses and promotional offers to both new and existing players. These include welcome bonuses, reload bonuses, free spins on selected slot games, VIP cashback and seasonal promotions tied to events such as PSL season, T20 tournaments and other Pakistan sporting occasions.

Each bonus comes with its own specific terms. The following general rules apply to all bonuses unless a specific promotion states otherwise:

• Wagering requirements: Bonus funds must be wagered a specified number of times before they can be withdrawn. The wagering requirement for each offer is stated clearly in the promotion details. Wagering requirements are calculated on bonus funds only, not on your real-money balance.
• Validity period: All bonuses have an expiry window. If wagering requirements are not met within this window, the bonus balance and any winnings derived from it will be removed from your account automatically.
• Eligible games: Not all games on Lucky 95 contribute equally to wagering requirements. Slot games typically contribute 100%. Live casino games and bingo may contribute at a lower rate or not at all — check the specific promotion for the contribution breakdown.
• Maximum bet with active bonus: Placing a single bet above the stated maximum while a bonus is active may result in the bonus and related winnings being voided. This limit is in place to prevent bonus abuse.
• One bonus at a time: Only one bonus can be active at a time. If you deposit while a bonus is already active, you may choose to decline additional bonus funds — this option is available in the banking section.

Lucky 95 reserves the right to modify, suspend or withdraw any bonus or promotion at any time. Changes to active bonuses will be communicated to affected players via in-account notification or email.

The Lucky 95 VIP programme consists of five tiers: Bronze, Silver, Gold, Diamond and Elite. Players earn VIP points for every PKR wagered on eligible games. Points accumulate and are used to determine your current tier. The VIP dashboard in your account shows your points balance and progress toward the next tier in real time.

Benefits scale with your tier and include cashback on losses, faster withdrawal processing, higher withdrawal limits, access to exclusive promotions and — at Elite tier — a dedicated account manager. Full tier-by-tier benefit details are published on the VIP page.

• VIP points are earned on real-money wagers only. Bonus-funded play does not contribute to VIP point accumulation.
• VIP cashback is calculated on a weekly basis and credited to your account every Monday. Cashback is awarded as real money with no wagering requirement unless stated otherwise in a specific promotion.
• Tier status is reviewed periodically. If a player's activity falls below the threshold required for their current tier, their tier may be adjusted downward at the next review cycle. Players will be notified before any downgrade takes effect.
• VIP status cannot be transferred, sold or shared between accounts.

All games available on Lucky 95 — including slots, bingo and live casino — are provided by verified third-party game suppliers. The rules of each individual game are governed by the game provider and are displayed within the game interface. Lucky 95 does not modify game mechanics or outcomes.

In the event of a technical fault during a game session — such as a disconnection, game crash or display error — the outcome of the interrupted round will be determined by the game server's recorded state at the time of the fault. Lucky 95 is not liable for losses caused by issues with your internet connection or device.

If a game result is disputed, players should contact support within 48 hours of the session in question, providing the game name, approximate time and any relevant details. Disputes raised after this window may not be investigated.

• Lucky 95 reserves the right to void any bet or game result if a technical error is identified that materially affected the outcome.
• Minimum and maximum bet limits apply per game and are displayed within each game's interface.
• Bingo room-specific rules — including ticket prices, jackpot structures and chat conduct — are published within the bingo section of the platform.

The following actions are strictly prohibited on Lucky 95. Any player found to have engaged in prohibited conduct will have their account suspended or permanently closed, and any balance may be forfeited depending on the nature and severity of the violation.

• Registering more than one account, or attempting to re-register after an account has been closed for rule violations.
• Providing false, misleading or incomplete information during registration or verification.
• Using software tools, bots, scripts or any automated means to interact with games or the platform.
• Exploiting software bugs, game errors or promotional structures in a way that is not consistent with normal, good-faith use of the platform.
• Attempting to launder money or use Lucky 95 for any unlawful financial transaction.
• Colluding with other players in live or multiplayer game formats to manipulate outcomes.
• Harassing, threatening or abusing other players or Lucky 95 support staff through any communication channel on the platform.
• Sharing account access with other persons, including sharing login credentials or session tokens.

Lucky 95 is committed to providing a gaming environment that supports responsible play. Online gaming is a form of entertainment. It carries inherent financial risk, and it is your responsibility to ensure that your participation remains within limits that are comfortable for your personal situation.

The following tools are available to all registered Lucky 95 users directly from the account settings — no need to contact support to use them:

• Deposit limits: Set a daily, weekly or monthly deposit cap in PKR. Once a limit is set, it takes effect immediately. Increasing a limit requires a 24-hour cooling-off period. Decreasing a limit takes effect straight away.
• Session time reminders: Set alerts to notify you when you have been playing for a defined length of time.
• Loss limits: Cap your maximum loss over a defined period. Once reached, no further bets can be placed until the period resets.
• Self-exclusion: Exclude yourself from Lucky 95 for a set period (minimum 30 days) or permanently. During a self-exclusion period, your account will be suspended and you will not be able to log in, deposit or place bets. Permanent self-exclusion cannot be reversed.

Lucky 95 is strictly for adults aged 18 and over. If you are concerned that someone under 18 has access to a device used to access Lucky 95, use your device's parental control features to restrict access. If you feel that gaming is negatively affecting your finances, relationships or mental wellbeing, please visit our Responsible Gaming page for guidance and self-help resources.

Lucky 95 collects and processes personal data as necessary to provide the platform, process transactions in PKR, verify account identity and meet our security obligations. The full details of what data we collect, how it is used, how long it is retained and your rights as a data subject are covered in the Lucky 95 Privacy Policy.

By registering an account, you consent to Lucky 95 processing your personal data in accordance with the Privacy Policy. We do not sell personal data to third parties. Data shared with payment processors — such as JazzCash, Easypaisa or Raast — is limited to what is strictly necessary to complete your transaction.

Lucky 95 uses standard security measures to protect account and transaction data. You are responsible for maintaining the security of the device and credentials used to access your account.

Lucky 95 provides the platform on an "as available" basis. We do not guarantee uninterrupted access to the platform at all times. Scheduled maintenance, technical issues and circumstances outside our control may cause periods of unavailability. We will endeavour to communicate planned downtime in advance where possible.

Lucky 95 is not liable for:

• Losses arising from your internet connection dropping during a game session.
• Delays in deposit or withdrawal processing caused by third-party payment providers.
• Losses resulting from your failure to keep your account credentials secure.
• Any indirect, consequential or special losses arising from use of the platform.

In all cases, Lucky 95's maximum liability to any individual user shall not exceed the balance held in that user's Lucky 95 account at the time the claim arises.

Lucky 95 may suspend or permanently close an account at any time if there is reasonable cause to believe that the account holder has violated these terms. Reasons for suspension or closure include but are not limited to: duplicate account registration, fraudulent activity, bonus abuse, providing false identity information, prohibited conduct as listed in Section 8 and any actions that Lucky 95 reasonably considers to be harmful to other users or to the integrity of the platform.

If an account is closed following a rule violation, any bonus funds and winnings derived from bonus play during the violation period may be forfeited. Verified real-money deposits that are not linked to the violation will be returned to the account holder via the most recent verified payment method on the account.

Players may also choose to close their own account at any time by contacting Lucky 95 support. If you wish to close your account due to gambling concerns, the self-exclusion tool in account settings is the recommended approach — it provides a structured exclusion with appropriate safeguards rather than a simple account deletion.

Lucky 95 reserves the right to update or amend these Terms and Conditions at any time. When changes are made, the "Last Updated" date at the top of this page will be revised accordingly. For material changes — those that significantly affect user rights or obligations — Lucky 95 will notify registered users via in-account notification or email at least 7 days before the change takes effect.

If you continue to use the Lucky 95 platform after any amendment has been published, you are considered to have accepted the revised terms. If you do not agree with the amended terms, you should stop using the platform and contact support to arrange account closure.

Minor changes — such as clarifications, corrections or formatting updates that do not alter the substance of the terms — may be applied without advance notice.

If you have any questions about these Terms and Conditions, need clarification on any section, or wish to raise a dispute, you can reach the Lucky 95 support team through the following channels:

When contacting support regarding a specific issue, please include your registered username and a clear description of the matter. This helps the team locate your account and respond accurately without unnecessary back-and-forth.