sm99 game
Terms & Conditions

These Terms & Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("Player", "User", "You") and sm99 game ("Platform", "We", "Us", "Our") governing your access to and use of the sm99 game website located at sm99game.com and all associated services, games, features, and content made available through the platform.

By registering an account, depositing funds, accessing any game, or using any feature of the sm99 game platform, you acknowledge that you have read, understood, and agree to be fully bound by these Terms in their entirety. If you do not agree with any provision of these Terms, you must not access or use the sm99 game platform.

These Terms should be read alongside the sm99 game Privacy Policy and Responsible Gaming Policy, both of which are incorporated into this Agreement by reference. In the event of any conflict between these Terms and any other document, these Terms shall prevail unless explicitly stated otherwise.

2.1 Age Requirement

2.2 Geographic Eligibility

sm99 game is designed to serve players in Pakistan. You are responsible for determining whether accessing and using the sm99 game platform is lawful in your specific location. By registering, you represent and warrant that your use of sm99 game is not prohibited under any law applicable to you.

2.3 Registration Requirements

To register an account at sm99 game, you must:

• Be at least 18 years of age;
• Provide a valid Pakistan mobile number (Jazz, Telenor, Zong, Ufone, or Warid);
• Provide accurate, complete, and current registration information;
• Not already hold an active sm99 game account;
• Not be self-excluded from sm99 game or any affiliated platform;
• Agree to these Terms & Conditions in full.

2.4 One Account Policy

Each player may register and maintain only one sm99 game account. Creating multiple accounts — whether under the same or different personal details — to claim additional bonuses, circumvent restrictions, or for any other purpose constitutes a material breach of these Terms. sm99 game reserves the right to close all duplicate accounts and withhold associated balances upon discovery.

2.5 Account Verification (KYC)

sm99 game may require identity verification ("Know Your Customer" or "KYC") at any time, including but not limited to: prior to processing withdrawals exceeding 50,000 PKR, when suspicious activity is detected, or as required by our AML procedures. Verification documents may include a copy of your CNIC (Computerised National Identity Card), proof of Pakistan address, and/or source of funds documentation. Failure to provide satisfactory verification within a reasonable timeframe may result in account restriction or closure.

3.1 Account Security

You are solely responsible for maintaining the confidentiality of your sm99 game Login credentials, including your username, password, and any two-factor authentication codes. You must not share your credentials with any third party. sm99 game will not be liable for any losses arising from unauthorised access to your account resulting from your failure to maintain the security of your credentials.

3.2 Account Information Accuracy

You must ensure that all information held on your sm99 game account is accurate and up to date at all times. This includes your registered Pakistan mobile number, payment method details (Easypaisa/JazzCash account numbers, bank account details), and any other personal information. sm99 game is not responsible for delays or failures in payment processing arising from inaccurate account information provided by you.

3.3 Suspicious Activity Reporting

If you become aware of any unauthorised access to your sm99 game account or any suspicious activity, you must notify sm99 game's support team immediately via the 24/7 English live chat channel. sm99 game will investigate and take appropriate action, which may include temporarily restricting account access to protect your PKR balance.

4.1 Supported Payment Methods

sm99 game accepts deposits and processes withdrawals via the following Pakistan-native payment methods: Easypaisa, JazzCash, Raast, HBL bank transfer, UBL bank transfer, MCB Bank transfer, and USDT TRC20. All PKR transactions are conducted at face value with no currency conversion charges applied by sm99 game.

4.2 Minimum and Maximum Limits

The following transaction limits apply to all sm99 game Pakistan accounts:

• Minimum single deposit: 1,000 PKR
• Minimum single withdrawal: 2,000 PKR
• Standard maximum single withdrawal: 500,000 PKR (higher limits available for verified accounts on request)
• USDT TRC20 equivalent minimum deposit: approximately 10 USDT

4.3 Withdrawal Processing

Withdrawal requests submitted by Pakistan players are processed as follows: Easypaisa and JazzCash withdrawals are typically completed within 15–60 minutes of approval during operational hours. Raast and bank transfers (HBL, UBL, MCB) are typically processed within 1–3 banking business days. USDT TRC20 withdrawals are processed within 24 hours of approval. Withdrawals exceeding 500,000 PKR in a single transaction may require additional verification and be subject to extended processing times.

4.4 Withdrawal Conditions

Withdrawals from your sm99 game account are subject to the following conditions:

• All active bonus wagering requirements must be met before withdrawal of bonus-derived funds;
• Withdrawals can only be made to payment methods registered in your name and previously used to deposit (or verified payment methods linked to your account);
• sm99 game reserves the right to request KYC documentation before processing any withdrawal;
• Withdrawals will not be processed to third-party accounts or payment methods not associated with the account holder's identity.

4.5 Dormant Accounts

An sm99 game account is considered dormant after 12 consecutive months of inactivity (no login, deposit, or gameplay activity). A dormant account may be subject to an administrative fee of 500 PKR per month, deducted from the remaining account balance, until the balance reaches zero or the account is reactivated. Pakistan players will be notified by SMS to their registered mobile number before any dormancy fee is applied.

5.1 Welcome Bonus

sm99 game offers eligible new Pakistan players a welcome bonus of 100% on their first deposit, up to a maximum bonus value of 5,000,000 PKR. To claim the welcome bonus, players must opt-in during registration or at the point of first deposit. The welcome bonus is credited to your sm99 game bonus wallet immediately upon qualifying deposit confirmation.

5.2 Wagering Requirements

The sm99 game welcome bonus is subject to a 15x (fifteen times) wagering requirement calculated on the total of the deposit plus bonus amount. For example, a deposit of 10,000 PKR qualifying for a 10,000 PKR bonus creates a combined amount of 20,000 PKR, requiring total wagers of 300,000 PKR before withdrawal of bonus-derived funds. Wagering requirements must be completed within 30 calendar days of bonus activation. Incomplete wagering within this period results in automatic forfeiture of the bonus and any associated winnings.

5.3 Game Contribution Rates

Different game types contribute at different rates toward bonus wagering requirements at sm99 game:

• Video Slots (including Buffalo King, Jackpot Slots): 100% contribution
• Jackpot Slots: 100% contribution
• Live Dealer Games (Baccarat, Roulette, Blackjack, Dragon Tiger): 10% contribution
• Table Games (RNG Baccarat, Blackjack, Roulette): 10% contribution
• Game Shows (Crazy Time, Monopoly Live): 20% contribution
• Sports Betting (Cockfighting, Horse Racing): 15% contribution

5.4 Bonus Abuse

5.5 Ongoing Promotions

sm99 game may offer additional promotions to existing Pakistan account holders, including reload bonuses, cashback offers, free spin allocations, and seasonal promotions tied to events such as the HBL Pakistan Super League cricket season. Each promotion will carry its own specific terms — including eligibility criteria, bonus amounts, wagering requirements, and validity periods — published at the time of the promotion. General bonus terms (Sections 5.1–5.4) apply to all promotions unless the individual promotion terms explicitly state otherwise.

6.1 Game Integrity

All games available in the sm99 game Casino lobby — including live dealer titles, RNG slots, table games, and game shows — are provided by certified third-party studios (including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, and Play'n GO) and are subject to independent testing and certification for randomness and fairness. Game outcomes are determined solely by certified random number generation systems or, in the case of live dealer games, by physical game events (card draws, wheel spins) conducted by professional human dealers in certified studio environments.

6.2 Technical Malfunctions

In the event of a technical malfunction during a game session — including server errors, disconnections, or software failures — sm99 game reserves the right to void the affected game round and return the staked amount to the player's wallet. sm99 game is not liable for any claimed winnings arising from a game round that was affected by a verifiable technical malfunction. The decision of sm99 game's technical team regarding the status of any disputed game round is final.

6.3 Sports Betting Rules

Bets placed on sports and live events — including Cockfighting markets and Horse Racing — are subject to the specific event rules published within the sm99 game betting section at the time of placing the bet. sm99 game reserves the right to void bets placed on events that are postponed, cancelled, or determined to have been affected by irregular betting patterns. Settled bet results are final once confirmed by sm99 game's trading team.

sm99 game is committed to promoting responsible gaming among all Pakistan players. Gaming at sm99 game is intended solely as a form of entertainment for adults — it is not a reliable source of income and should never be treated as such. sm99 game provides the following responsible gaming tools to all registered account holders:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts in PKR from your account settings panel. Limit reductions take effect immediately; limit increases require a 24-hour cooling-off period.
• Session Time Reminders: Configure alerts notifying you of the duration of your current sm99 game session.
• Loss Limits: Set maximum acceptable losses over a defined period. Once reached, sm99 game will prevent further real-money gameplay until the period resets.
• Cool-Off Period: Take a break of 24 hours to 6 weeks from sm99 game without permanent account closure.
• Self-Exclusion: Permanently or temporarily exclude yourself from sm99 game for a defined minimum period of 6 months. During self-exclusion, your account will be suspended, all marketing communications will cease, and you will not be permitted to register a new account.

The following activities are strictly prohibited on the sm99 game platform and constitute material breaches of this Agreement:

• Registering or using an sm99 game account if you are under 18 years of age;
• Registering more than one sm99 game account (see Section 2.4);
• Using the platform for any money laundering, terrorist financing, or other illegal financial activity;
• Using software, bots, scripts, artificial intelligence tools, or any other automated means to interact with sm99 game in a manner not intended for human players;
• Attempting to exploit, hack, reverse-engineer, or otherwise manipulate any sm99 game software, game, or system;
• Engaging in collusion, match-fixing, or any form of coordinated play designed to manipulate game outcomes;
• Using another person's payment account to deposit or withdraw without their explicit consent and proper identification;
• Engaging in any form of bonus abuse as described in Section 5.4;
• Publishing false, defamatory, or misleading content about sm99 game on any platform;
• Accessing sm99 game from a jurisdiction in which doing so is specifically prohibited by law, if you are aware of such prohibition.

sm99 game reserves the right to immediately suspend or permanently close any account found to have engaged in prohibited activities, withhold associated balances pending investigation, and refer the matter to relevant legal authorities where appropriate.

All content on the sm99 game platform — including but not limited to the website design, brand name, logo, graphics, text, game interfaces, promotional materials, and software — is the exclusive intellectual property of sm99 game or its licensed suppliers and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the sm99 game platform for personal entertainment purposes only in accordance with these Terms.

You must not copy, reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any sm99 game content without our prior written consent. Unauthorised use of sm99 game intellectual property may result in civil and/or criminal liability.

To the fullest extent permitted by applicable law, sm99 game shall not be liable to you for any indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the sm99 game platform, including but not limited to: loss of profits, loss of data, gaming losses, or any other financial loss.

sm99 game's total aggregate liability to any individual player in respect of any claim arising from these Terms or use of the platform shall not exceed the total deposits made by that player during the 12 months immediately preceding the claim.

sm99 game does not warrant that the platform will be available at all times, uninterrupted, or free from technical errors. Planned maintenance windows will be communicated to Pakistan players in advance where possible. sm99 game is not responsible for any losses arising from temporary platform unavailability.

sm99 game collects, processes, and stores personal data provided by Pakistan players in accordance with our Privacy Policy, which is available at sm99game.com/privacy-policy and forms part of this Agreement. By registering at sm99 game, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected includes: your Pakistan mobile number, CNIC details (where provided for KYC), payment method identifiers (Easypaisa/JazzCash numbers, bank account details), transaction history, gaming activity, and device/browser information. This data is used for account administration, payment processing, KYC compliance, AML monitoring, responsible gaming oversight, and personalised marketing communications (where consent has been given).

sm99 game implements technical and organisational security measures — including 256-bit SSL encryption, access controls, and audit logging — to protect your personal data against unauthorised access, loss, or disclosure.

sm99 game reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, sm99 game will notify registered Pakistan players via SMS to their registered mobile number and/or a prominent notice on the sm99 game platform at least 14 days before the changes take effect — except where immediate changes are required by law or regulatory obligation.

The most current version of the Terms will always be accessible at sm99game.com/terms-and-conditions with the effective date clearly displayed. Your continued use of the sm99 game platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using the platform and may request account closure.

These Terms & Conditions shall be interpreted in accordance with applicable law. In the event of a dispute between you and sm99 game arising from these Terms or your use of the platform, both parties agree to first attempt resolution through sm99 game's internal complaints process.

13.1 Internal Complaints Procedure

To raise a formal complaint with sm99 game, please contact our 24/7 English support team via live chat from your sm99 game account dashboard. All formal complaints will be acknowledged within 24 hours and a full written response provided within 10 working days. Complaints should include your registered Pakistan mobile number, account username, a clear description of the issue, and any supporting evidence (e.g., screenshots, transaction IDs, game round numbers).

13.2 Dispute Finality

With respect to the outcome of any specific game round or sports betting event, sm99 game's determination — supported by server logs and game provider certification records — shall be final and binding where it is consistent with these Terms and the applicable game rules.

If you have any questions about these Terms & Conditions or any aspect of the sm99 game platform, our 24/7 English support team is available through the following channels:

• Live Chat: Available 24/7 directly from your sm99 game account dashboard — fastest response channel for all Pakistan players.
• Email (plain text — not a link): [email protected] — responses within 24 hours for non-urgent matters.

For responsible gaming concerns, deposit limit requests, or self-exclusion, please contact our support team through any of the above channels and our dedicated responsible gaming team will assist you promptly.