Krikya Rules and Regulations in Bangladesh

By accessing the Krikya platform, you enter into a legally binding agreement with the operator. These general terms define the rights and responsibilities of both parties throughout your use of the services available on the platform.

User Agreement and Eligibility

To use this platform, you must meet the following eligibility criteria:

• You must be at least 18 years of age.
• You must be a resident of or accessing the platform from a jurisdiction where online betting is not explicitly prohibited for personal use.
• You must not be a previous account holder who has been permanently suspended or excluded.
• You must provide accurate and complete information during registration and maintain the accuracy of that information at all times.

Only one account per person is permitted. The creation of duplicate accounts is a violation of these terms and may result in account suspension and forfeiture of any associated balances.

Krikya’s Right to Modify Terms

The platform reserves the right to amend, update, or replace any part of these terms at any time. Notification of significant changes will be communicated via the platform or registered email address. Your continued use of the platform following any modification constitutes your acceptance of the updated terms. You are advised to review these terms periodically to remain informed of any changes.

Proper Use of the Platform

Users agree to access and use the platform solely for lawful, personal, and non-commercial purposes. The following conduct is strictly prohibited:

• Using automated software, bots, or scripts to interact with the platform.
• Attempting to manipulate odds, exploit technical errors, or interfere with the platform’s normal operation.
• Engaging in fraudulent activity, including but not limited to misrepresentation of identity or collusion with other users.
• Using the account or services in a manner that could damage the platform’s reputation or legal standing.

Content Protection

All content published on the platform, including text, graphics, data, odds, and software, is the intellectual property of the operator or its licensors. Reproduction, redistribution, or commercial use of any platform content without prior written authorisation is not permitted.

Liability Limitations

The platform is provided on an “as available” basis. The operator does not guarantee uninterrupted access and accepts no liability for losses arising from:

• Technical failures, server downtime, or connectivity issues beyond the operator’s reasonable control.
• Incorrect information provided by the user during registration or transactions.
• Losses resulting from a user’s failure to comply with these terms.

The operator’s total liability to any user for any single incident shall not exceed the net deposits made by the user in the 12 months preceding the incident.

All bets placed on the platform are subject to the rules outlined in this section. These regulations apply to sports betting, live betting, and any other wagering services available to registered users in Bangladesh.

Eligibility to Place Bets

To place a bet, you must:

• Hold a verified and active account in good standing.
• Have sufficient funds in your account at the time of placing the bet.
• Be aged 18 or above.
• Not be subject to any self-exclusion or account restriction.

Bet Acceptance Procedures

A bet is considered accepted only upon receipt of a confirmation message from the platform. The platform reserves the right to decline or void any bet at its discretion, including in cases where:

• A technical error has affected the display of odds.
• The event in question has already commenced at the time the bet is submitted.
• The bet is suspected to be part of fraudulent or irregular activity.

Acceptance of a bet does not guarantee a payout if subsequent review reveals a qualifying violation.

Minimum and Maximum Betting Amounts

Betting limits are applied at the account and event level. These limits are displayed at the time of placing a bet and may vary based on:

• The specific sport or event type.
• The user’s account tier and verification status.
• Promotional or bonus conditions applied to the account.

The platform reserves the right to adjust individual account betting limits based on activity patterns.

Calculation of Wins and Losses

• Winnings are calculated based on the odds confirmed at the time of bet acceptance.
• For accumulator or parlay bets, each selection must win for the combined odds to apply.
• In the event of a void selection within an accumulator, that leg is removed and the remaining selections are recalculated.
• Final results are determined based on the official result declared by the relevant governing body of each sport or event.

Betting Restrictions

The platform may impose restrictions on specific users or user segments, including:

• Reduced maximum stake limits.
• Restricted access to certain markets or event types.
• Increased verification requirements before bet acceptance.

These restrictions may be applied without prior notice where irregular betting patterns are detected.

Cancellation Policy

Once a bet has been accepted and confirmed, it cannot be cancelled or amended by the user. Cancellation by the platform may occur in the following circumstances:

• The event is postponed or cancelled without a rescheduled date within a defined period.
• A proven technical error has materially affected the odds displayed.
• The event result is deemed void by the governing body.

In cases of cancellation, the stake amount is returned to the user’s account balance.

All deposit and withdrawal transactions on the platform are processed in accordance with the policies set out in this section. Users are required to comply with these rules to ensure the continued availability of payment services on their accounts.

Fundamental Rules for Account Funding and Withdrawals

• All deposits must originate from a payment method registered in your own name.
• Third-party deposits are not accepted and may result in the return of funds and account suspension.
• Withdrawals will only be processed to the same payment method used for the corresponding deposit, where technically possible.
• Account balances cannot be transferred between users.

Available Deposit and Withdrawal Methods

The platform supports a range of localised payment options relevant to users in Bangladesh. Available methods may include:

• Mobile financial services (such as bKash, Nagad, and Rocket)
• Bank transfers
• Cryptocurrency transfers (where applicable)

Specific deposit and withdrawal limits apply to each method and are displayed at the point of transaction. Fees, if any, are disclosed prior to confirmation of the transaction.

Transaction Processing and Timeframes

These timeframes are indicative. Delays may occur during periods of high transaction volume or where additional verification is required.

Identity Verification and KYC Requirements

In accordance with applicable regulations, users are required to complete identity verification before processing withdrawals above specified thresholds. The verification process may require submission of:

• Government-issued photo identification (such as a National ID card or passport)
• Proof of residential address (such as a utility bill or bank statement dated within 3 months)
• Proof of ownership of the payment method used

Funds will not be released until verification is satisfactorily completed. The platform reserves the right to request additional documentation at any stage.

Transaction Restrictions

The platform may decline or suspend a transaction in the following circumstances:

• The transaction is flagged by automated monitoring systems as unusual or potentially suspicious.
• The user has not completed the required verification steps.
• The account is subject to an active restriction, dispute, or investigation.

Operation Cancellation Policy

Deposit transactions that fail due to technical or processing errors will not result in a deduction from the user’s external account. In the event of a failed withdrawal, the funds are returned to the user’s platform balance and the user may initiate a new withdrawal request. Any fees charged by third-party payment providers in connection with failed transactions are the responsibility of the payment provider and not the platform.

The platform is committed to promoting a safe and responsible betting environment for all registered users in Bangladesh. Gambling should remain a form of entertainment, and the platform provides a range of tools to support users in maintaining control over their activity.

Account Control Tools

Registered users may access the following tools through their account settings:

• Deposit Limits: Set daily, weekly, or monthly caps on the total amount deposited into the account. Once set, reductions take effect immediately, while increases are subject to a cooling-off period.
• Loss Limits: Define the maximum amount you are prepared to lose within a specified timeframe. This helps prevent unintended financial exposure.
• Session Time Limits: Restrict the duration of individual betting sessions. A notification is displayed when the limit is approaching.
• Self-Exclusion: Users who believe their betting activity has become harmful may apply for self-exclusion. This suspends access to the account for a defined period, ranging from a minimum of six months to permanent exclusion upon request.
• Reality Checks: Periodic on-screen notifications that inform the user of the duration of their current session and cumulative activity.
• Account Cooling-Off: A temporary break from the platform for a period of the user’s choosing, during which login and betting access is suspended.

Risk Self-Assessment

Users are encouraged to periodically assess their own betting behaviour. Indicators that may suggest a problem include:

• Placing bets to recover previous losses.
• Betting with money allocated to essential expenses.
• Concealing gambling activity from family members.
• Difficulty stopping or reducing betting activity.

Support and External Resources

If you are concerned about your own or another person’s gambling behaviour, the following resources are available:

• Gamblers Anonymous: An international peer support network for individuals dealing with gambling-related difficulties.
• GamCare (www.gamcare.org.uk): Provides confidential information, advice, and support for those affected by gambling.
• National Council on Problem Gambling (www.ncpgambling.org): Offers helpline services and referral to treatment providers.

Users may also contact the platform’s customer support team to activate any of the responsible gambling tools available on the account.

Minor Protection

The platform strictly prohibits access by individuals under the age of 18. Users with dependants are advised to use parental control software to prevent access to gambling websites. The platform cooperates with recognised third-party filtering services to support this objective.

The platform operates in compliance with applicable anti-money laundering (AML) and counter-terrorism financing (CTF) obligations. All users are required to co-operate fully with the platform’s compliance processes as a condition of account use.

Legal Obligations

The platform is legally obligated to:

• Prevent the use of its services for money laundering or the financing of terrorism.
• Report any suspicious transaction activity to the relevant authorities as required by applicable law.
• Maintain records of all transactions and identity verification documents for the legally required retention period.
• Decline to process transactions where the source of funds cannot be adequately verified.

Know Your Customer (KYC) Procedures

As part of its AML compliance framework, the platform applies a structured KYC process to all users. This process may include:

• Collection and verification of government-issued identification.
• Confirmation of residential address through supporting documentation.
• Source of funds verification for high-value depositors or users displaying unusual transaction patterns.
• Enhanced due diligence (EDD) for users identified as presenting a higher compliance risk.

Users who fail to provide requested documentation within the specified timeframe may have their account access restricted or suspended until compliance is confirmed.

Transaction Monitoring

The platform employs automated transaction monitoring systems that continuously review account activity for patterns indicative of financial crime. Monitored indicators include:

• Large or unusually structured deposits or withdrawals.
• Rapid cycling of funds without associated betting activity.
• Multiple transactions just below reporting thresholds.
• Activity inconsistent with the user’s declared profile or occupation.

Suspicious Activity Detection

Where suspicious activity is identified, the platform’s compliance team will conduct an internal review. Depending on the outcome of that review, the platform may:

• Request additional documentation or clarification from the user.
• Temporarily restrict deposit, withdrawal, or betting activity on the account.
• Report the activity to the relevant financial intelligence or regulatory authority.
• Permanently close the account and freeze associated funds pending regulatory direction.

Consequences of Policy Violations

Users found to have engaged in money laundering or related financial crime through the platform will face the following consequences:

• Immediate and permanent account closure.
• Freezing of all funds held within the account.
• Mandatory reporting to law enforcement and regulatory bodies.
• Potential civil or criminal liability in accordance with applicable law.

The platform will not compensate users for losses of access or funds arising from enforcement action taken under this policy.

The platform is committed to the responsible collection, use, and protection of personal data. This section outlines the categories of data collected, the purposes for which it is used, and the rights available to users regarding their personal information.

Personal Data Collected

During registration, account use, and transactional activity, the platform may collect the following categories of personal data:

• Identity Data: Full name, date of birth, nationality, and government-issued identification numbers.
• Contact Data: Email address, telephone number, and residential address.
• Financial Data: Payment method details, transaction history, and account balance information.
• Technical Data: IP address, browser type, device identifiers, and session logs.
• Usage Data: Betting history, login frequency, session duration, and platform interaction records.
• Verification Data: Copies of identification documents submitted during the KYC process.

How Personal Data Is Used

Personal data is collected and processed for the following purposes:

• Account registration and identity verification.
• Processing of deposits, withdrawals, and bet settlements.
• Compliance with legal and regulatory obligations, including AML and KYC requirements.
• Detection and prevention of fraud, account abuse, and other prohibited activity.
• Communication of account-related notices and service updates.
• Improvement of platform functionality and user experience based on aggregated usage analysis.

Personal data is not sold to third parties. Data may be shared with regulatory authorities, payment processors, and third-party service providers engaged to support platform operations, subject to appropriate data protection agreements.

Data Retention

Personal data is retained for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable legal and regulatory obligations. Following account closure, certain categories of data may be retained for a minimum period as prescribed by law.

User Rights

Registered users hold the following rights in relation to their personal data:

• Right of Access: You may request a copy of the personal data held about you.
• Right to Rectification: You may request correction of any inaccurate or incomplete data.
• Right to Erasure: In certain circumstances, you may request deletion of your personal data, subject to legal retention requirements.
• Right to Restriction: You may request that processing of your data be limited in defined circumstances.
• Right to Object: You may object to data processing carried out on the basis of legitimate interests.
• Right to Data Portability: Where applicable, you may request that your data be provided in a structured, machine-readable format.

Requests to exercise any of the above rights should be submitted to the platform’s data protection contact via the designated support channel. Requests will be acknowledged and addressed within the timeframe required by applicable data protection law.

The platform applies comprehensive technical and organisational security measures to protect user accounts, personal data, and all financial transactions conducted through the platform.

Platform Security Commitments

The platform maintains the following security standards across all systems:

• All data transmitted between the user’s device and the platform’s servers is protected using industry-standard Transport Layer Security (TLS) encryption.
• Financial transactions are processed through PCI DSS compliant payment infrastructure.
• User passwords are stored using cryptographic hashing algorithms and are never retained in plain text.
• Regular independent security audits are conducted to identify and address vulnerabilities.

Account Protection Measures

Users are provided with and encouraged to use the following account security features:

• Two-Factor Authentication (2FA): An additional verification step required at login, reducing the risk of unauthorised account access even if login credentials are compromised.
• Login Notifications: Automated alerts sent to the registered email address upon account access from a new device or location.
• Session Timeout: Accounts are automatically logged out after a period of inactivity to prevent unauthorised access on shared or unattended devices.
• Secure Password Requirements: Accounts must be secured with passwords that meet minimum complexity requirements, including length and character variation.

Continuous Monitoring

The platform operates continuous security monitoring protocols, including:

• Real-time detection of unusual login attempts, including multiple failed authentication events.
• Automated flagging of account activity inconsistent with established usage patterns.
• Scheduled and event-triggered reviews of access logs and transaction records by the security operations team.
• Incident response procedures that enable rapid containment and remediation of identified security events.

User Responsibilities

Users are equally responsible for maintaining the security of their accounts. The following practices are required:

• Do not share your account credentials with any third party.
• Do not access your account from public or shared networks without the use of a trusted virtual private network (VPN).
• Report any suspected unauthorised access to your account to the support team immediately.
• Keep the contact information associated with your account current so that security alerts are received without delay.

The platform accepts no liability for losses resulting from a user’s failure to maintain adequate personal account security.