Terms and Conditions – apk98 Online Gaming Platform

1. Introduction

These Terms and Conditions ("Terms") constitute the full legal agreement between you ("the Player") and apk98 ("the Platform," "we," "us"). They apply to all use of the apk98 website, mobile app, and any related services. By accessing the platform, creating an account, or placing a bet or wager of any kind, you confirm that you have read these Terms in full and that you agree to be bound by them.

If you do not agree with any part of these Terms, you should not register an account or use the apk98 platform. These Terms are subject to change, and continued use of the platform after any update constitutes acceptance of the revised Terms. We will notify registered players of significant changes through the app or email where possible.

2. Eligibility

To register and use apk98, you must meet all of the following conditions at the time of registration and at all times during your use of the platform:

• You must be at least 18 years of age.
• You must be accessing the platform as an individual, for personal entertainment purposes only.
• You must not be on any self-exclusion list or have a voluntary exclusion request currently active at apk98.
• You must not be attempting to use the platform on behalf of another person or as part of any commercial or professional arrangement.
• The funds you deposit must be your own and must come from a payment source registered in your name.

3. Account Registration

Each player is permitted to hold only one active account on the apk98 platform. You are responsible for maintaining the accuracy of the information provided at registration, including your name, date of birth, and contact details. Providing false or misleading registration information is a breach of these Terms and may result in account closure and forfeiture of any balance.

• Your login credentials — username and password — are your responsibility. Do not share them with anyone.
• If you believe your account has been accessed without your authorisation, contact support immediately.
• apk98 may request identity verification at any point. Failure to complete verification when requested may result in deposit restrictions or withdrawal delays until the process is complete.
• Accounts showing no activity for an extended period may be marked as dormant. Dormant account balances remain accessible once you log back in.
• You may close your account at any time by contacting the support team. Outstanding bonus obligations may affect your withdrawal options at the time of closure.

4. Deposits

apk98 accepts deposits in PKR through JazzCash, Easypaisa, Raast, bank transfer, debit and credit cards, and supported mobile wallets. All deposits are credited to your account balance in PKR. There are no currency conversion fees for deposits made in PKR.

• Minimum and maximum deposit limits per transaction are displayed in the cashier section of the platform and may vary by payment method.
• Deposits must be made from payment sources registered in your name. Third-party deposits are not permitted.
• apk98 is not responsible for delays caused by your bank, mobile wallet provider, or payment processor after funds have left your account.
• If a deposit does not appear in your account within a reasonable time, contact support with proof of the transaction — we will investigate and resolve it promptly.
• apk98 reserves the right to reverse deposits suspected of being made fraudulently or in violation of these Terms.

5. Withdrawals

Withdrawals can be made to your registered payment method at any time, subject to minimum withdrawal thresholds and any active wagering requirements on bonus funds. Withdrawal requests are typically processed within one to three business days, though many complete sooner.

• Withdrawals are paid to the same payment method used for the most recent deposit, where possible. This is a standard anti-fraud measure.
• Identity verification may be requested before a withdrawal is processed, particularly for larger amounts or if verification has not previously been completed.
• Bonus funds cannot be withdrawn until the associated wagering requirements have been fully met. Real-money funds deposited directly are not subject to wagering requirements and can be withdrawn at any time.
• apk98 does not charge withdrawal fees on the platform side. Your bank or mobile wallet provider may charge fees on their end — this is outside our control.
• Withdrawal requests can be cancelled by the player before they are processed. Once processed, they cannot be reversed.

6. Bonuses and Promotions

apk98 offers bonuses and promotions to registered players from time to time. Each bonus offer has its own specific terms — including wagering requirements, eligible games, time limits, and minimum odds where applicable — which are communicated at the time the offer is presented. These specific terms take precedence over any general statements about bonuses.

• Wagering requirements specify how many times a bonus amount must be wagered before it can be converted to withdrawable funds.
• Bonuses are issued to one eligible account per household or device. Attempting to claim bonuses through multiple accounts will be treated as a breach of these Terms.
• apk98 reserves the right to withdraw, amend, or cancel any bonus offer at any time without prior notice, where technically necessary or in cases of suspected abuse.
• Games may contribute differently to wagering requirements. Live casino and certain table games may contribute at a lower rate than slots — check the specific promotion terms for details.
• Bonuses with no expiry stated must be used within a reasonable time period, typically 30 days from issue. Expired bonus funds are forfeited.

7. Game Rules and Fair Play

All games available at apk98 — including slots, live casino, sports betting, fish games, and table games — are governed by their own individual game rules, which are accessible from within each game. In cases of dispute about a game outcome, the game's own records and server logs are the definitive source of truth.

• Live casino games are conducted by real human dealers in a live studio environment. Outcomes are determined by physical game objects — cards, roulette wheels, dice — and are not subject to manipulation by apk98 or the player.
• The use of automated betting software, bots, scripts, or any tool that places bets without direct player interaction is prohibited.
• If a technical error occurs during a game — including disconnection, display errors, or a clear software malfunction — bets affected by the error may be voided and refunded. Wins resulting from a clear technical error will not be paid.
• Sports betting odds are set by apk98. Obvious pricing errors — where odds are clearly and materially incorrect — may be voided regardless of whether a bet has been settled.
• Collusion between players in any game format that allows for player interaction is prohibited and may result in account closure and forfeiture of winnings.

8. Player Conduct

All players are expected to conduct themselves with respect towards other players and towards apk98 support staff. The following conduct is not permitted on the apk98 platform:

• Harassment, abusive language, or threats directed at other players or apk98 staff through any communication channel.
• Posting or sharing inappropriate, offensive, or illegal content through any platform feature that allows communication.
• Attempting to access parts of the platform you are not authorised to access, including other players' accounts or backend systems.
• Impersonating apk98 staff, other players, or any third party.
• Using the apk98 platform for any unlawful purpose, including money laundering or fraud.

Breaches of this conduct policy may result in warnings, temporary suspension, or permanent account closure depending on severity.

9. Account Suspension and Closure

apk98 reserves the right to suspend or close any account without prior notice in circumstances including but not limited to: verified Terms violations, suspected fraud, identity concerns, chargebacks, or failure to complete identity verification when requested.

• In cases of suspected fraud or Terms violations, account balances may be held pending investigation. If the investigation clears the account, funds will be released.
• Where a chargeback is initiated by a player through their payment provider, apk98 may suspend the account and offset any balance against the amount charged back.
• Players who wish to close their own account voluntarily can do so by contacting the support team. Accounts can also be closed under self-exclusion provisions — see the Responsible Gaming page for details.

10. Privacy and Data

apk98 collects and processes personal data in accordance with its Privacy Policy. By registering, you consent to this processing. The full details of what data we collect, how we use it, and your rights regarding it are covered in the Privacy Policy.

• Your personal data is used for account management, identity verification, payment processing, and fraud prevention.
• apk98 does not sell personal data to third parties for marketing purposes.
• Cookies and similar technologies are used on the platform as described in the Privacy Policy.

11. Limitation of Liability

apk98 provides the platform on an "as available" basis. While we make every reasonable effort to ensure uptime and stability, we cannot guarantee that the service will be uninterrupted or error-free at all times.

• apk98 is not liable for any losses resulting from service interruptions, technical errors, or events outside our reasonable control.
• We are not responsible for any loss of profits, revenues, or data beyond the balance held in your apk98 account at the time of any dispute.
• apk98 does not accept liability for any actions taken by third-party payment providers.

12. Responsible Gaming

apk98 is committed to responsible gaming. We provide tools to help you manage your gaming activity, including deposit limits, session time limits, and self-exclusion options. These tools are available from your account settings or by contacting support.

• Self-exclusion requests are processed promptly. During a self-exclusion period, you will not be able to log in, deposit, or place bets. Self-exclusion cannot be reversed before the period expires.
• If you feel your gaming is becoming a problem, please use the tools available or visit the Responsible Gaming page for guidance and external support resources.
• apk98 staff will never pressure or encourage a player to continue playing, deposit more, or ignore responsible gaming concerns.

13. Changes to These Terms

apk98 may update these Terms from time to time. When changes are made, the "Last updated" date at the top of this page will be revised. For material changes, we will attempt to notify registered players through the app, in-app notification, or email. Continued use of the platform after any update constitutes acceptance of the new Terms.

It is your responsibility to check this page periodically for changes. If you do not agree with a revised version of these Terms, you should stop using the platform and contact support to close your account.

14. Contact and Support

If you have questions about these Terms, your account, payments, or any other aspect of the apk98 platform, you can reach the support team through the following channels:

• Live chat: Available 24/7 directly within the apk98 app and website
• Email: [email protected] (displayed as text only — do not send sensitive account data by email)
• FAQ: Common questions are answered on the FAQ page

The support team is available around the clock and can assist with account queries, payment issues, and responsible gaming requests. Responses to live chat queries are typically immediate during staffed hours.