terms and conditions

Welcome to 99EXCH. By accessing or using our website, mobile application, or any of our services, you agree to comply with and be bound by the following Terms and Conditions. Please read these terms carefully before using our platform. If you do not agree with any part of these terms, you must immediately stop using our services.

These Terms and Conditions constitute a legally binding agreement between you (the “User”, “You”, “Your”) and 99EXCH (the “Company”, “We”, “Us”, “Our”). This agreement governs your use of our website, betting services, deposit and withdrawal facilities, customer support, and all related services offered by 99EXCH.

1. Acceptance of Terms

By registering an account, depositing funds, placing bets, or using any service provided by 99EXCH, you acknowledge that you have read, understood, and accepted these Terms and Conditions in full. You also agree to comply with all applicable laws and regulations of India and your respective jurisdiction.

We reserve the right to update, modify, or change these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on this page. Your continued use of our services after any changes constitutes your acceptance of the new terms. It is your responsibility to review this page periodically for updates.

2. Eligibility and Account Registration

2.1 Age Restriction

You must be at least 18 years of age or the legal gambling age in your jurisdiction, whichever is higher, to register an account and use our services. By creating an account, you confirm that you meet this age requirement. We reserve the right to request age verification documents at any time. If we discover that you are underage, we will immediately terminate your account, forfeit any winnings, and return your deposits (minus any applicable fees) to the original payment method.

2.2 Account Registration

To use our services, you must register a personal account by providing accurate, complete, and up-to-date information, including but not limited to your full name, email address, mobile number, and date of birth. You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

2.3 One Account Per User

Each user is permitted to hold only one active account on 99EXCH. Creating multiple accounts is strictly prohibited. If we detect duplicate accounts, we reserve the right to suspend or terminate all associated accounts, void any pending bets, and confiscate any winnings or balances.

2.4 Account Verification

We reserve the right to request additional verification documents at any time, including but not limited to government-issued ID proof, address proof, PAN card, Aadhaar card, and bank account proof. Failure to provide requested documents within a reasonable time may result in account suspension, restriction of services, or forfeiture of funds.

3. Prohibited Jurisdictions

99EXCH does not offer its services in jurisdictions where online betting or gambling is prohibited by law. It is your sole responsibility to ensure that your use of our services complies with the laws of your country, state, or region. We do not accept registrations or transactions from users located in prohibited jurisdictions. If we determine that you are accessing our services from a restricted location, we reserve the right to suspend your account, void bets, and return deposits (subject to applicable deductions).

4. Deposits and Withdrawals

4.1 Deposits

You may add funds to your 99EXCH wallet using any of the available payment methods listed on our Deposit page. All deposits must be made from a bank account, payment instrument, or wallet that matches your registered account name. Third-party deposits are strictly prohibited and will be rejected or refunded.

By making a deposit, you confirm that the funds belong to you and are not derived from any illegal activity, money laundering, or fraudulent sources. We reserve the right to refuse or reverse any deposit at our sole discretion.

4.2 Withdrawals

You may withdraw your available balance at any time, subject to these Terms and Conditions and any applicable wagering requirements. All withdrawal requests are subject to security checks, KYC verification, and anti-money laundering procedures. We reserve the right to delay or refuse any withdrawal request if we suspect fraudulent activity, money laundering, or violation of these terms.

4.3 Processing Times and Fees

Withdrawal processing times vary by method and are clearly outlined on our Withdrawal page. 99EXCH does not charge any processing fees for deposits or withdrawals. However, third-party fees (such as bank charges, cryptocurrency network fees, or payment gateway fees) may apply and are the sole responsibility of the user.

4.4 Account Balance

Your account balance is displayed in Indian Rupees (₹) unless otherwise stated. Cryptocurrency holdings are converted to INR at the current market rate for display purposes. We reserve the right to correct any errors in account balances caused by technical glitches or system errors.

5. Betting Rules and Policies

5.1 Placing Bets

By placing a bet on 99EXCH, you confirm that you have sufficient balance in your account to cover the bet amount. Bets are considered final once confirmed and cannot be canceled, modified, or reversed except in cases of technical error or suspicious activity.

5.2 Settlement of Bets

All bets are settled based on the official results or outcomes as determined by the relevant sports authority, gaming software, or third-party data provider. We strive to ensure accurate and timely settlement of all bets. In case of disputes, our decision is final and binding.

5.3 Maximum Payouts

We reserve the right to set maximum payout limits for specific bets, markets, or events. These limits are clearly displayed at the time of placing a bet. Any payout exceeding the stated limit will be capped at the maximum amount.

5.4 Bonus and Promotional Betting

All bets placed using bonus funds are subject to the specific terms and conditions of the bonus offer, including but not limited to wagering requirements, minimum odds, and eligible markets. Violation of bonus terms may result in forfeiture of bonus funds and associated winnings.

6. Bonuses and Promotions

99EXCH offers various bonuses and promotions from time to time. These promotions are subject to specific terms and conditions, including:

Wagering Requirements: The bonus amount (or deposit amount) must be wagered a specified number of times before withdrawal.
Minimum Deposit: You must deposit a minimum amount to qualify for the bonus.
Time Limits: Bonuses may have an expiry date. Unused or unfulfilled bonuses will be forfeited after the specified period.
Game/Market Restrictions: Some games or markets may be excluded from bonus wagering.
One Bonus Per User: Unless stated otherwise, each bonus is limited to one per user, household, IP address, or device.

We reserve the right to withdraw, modify, or cancel any promotion at any time without prior notice. Any suspected abuse of promotions will result in forfeiture of bonus funds and winnings.

7. Responsible Gambling

99EXCH is committed to promoting responsible gambling. We provide tools and resources to help users manage their betting activities, including:

Deposit Limits: Set daily, weekly, or monthly deposit limits.
Loss Limits: Set limits on the amount you can lose in a specified period.
Self-Exclusion: Temporarily or permanently exclude yourself from our services.
Cooling-Off Period: Take a break from betting for 24 hours or more.

We encourage all users to gamble responsibly and view betting as a form of entertainment, not a source of income. If you feel that your gambling is becoming a problem, we urge you to seek help from professional organizations such as GamCare or the National Helpline for Problem Gambling in India.

8. Prohibited Activities

The following activities are strictly prohibited on 99EXCH:

Underage Gambling: Use of our services by individuals under 18 years of age.
Fraud and Cheating: Use of automated bots, software, or scripts to place bets, manipulate outcomes, or gain unfair advantage.
Money Laundering: Use of our platform for money laundering, terrorist financing, or any other illegal financial activity.
Multiple Accounts: Creating or using more than one account.
Identity Theft: Using another person’s identity, payment instrument, or account.
Abusive Behavior: Harassment, threats, or abusive language towards our staff, other users, or third-party service providers.
Chargebacks: Reversing or disputing deposits without valid reason.

We reserve the right to suspend, restrict, or terminate any account found engaging in prohibited activities. All winnings and balances from such accounts will be forfeited, and legal action may be pursued.

9. Intellectual Property

All content on the 99EXCH platform, including but not limited to text, graphics, logos, software, trademarks, and designs, is the intellectual property of 99EXCH or our licensors. You may not copy, reproduce, distribute, modify, or create derivative works of any content without our prior written consent.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal and non-commercial purposes only. Unauthorized use of our intellectual property may result in legal action.

10. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy outlines how we collect, use, store, and protect your personal information. By using our services, you consent to the collection and use of your data in accordance with our Privacy Policy.

We take reasonable measures to protect your personal and financial data from unauthorized access, theft, or disclosure. However, no system is completely secure, and we cannot guarantee absolute security.

11. Anti-Money Laundering (AML) and Know Your Customer (KYC)

99EXCH complies with all applicable anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. We implement strict KYC procedures to verify the identity of our users and monitor transactions for suspicious activity.

We reserve the right to:

Request identity, address, and proof of funds documentation.
Monitor and report suspicious transactions to relevant authorities.
Freeze or suspend accounts pending investigation of suspicious activity.
Refuse or reverse transactions that we suspect are linked to illegal activity.

12. Account Suspension and Termination

We reserve the right to suspend, restrict, or terminate your account at any time, with or without notice, if we believe that:

You have violated these Terms and Conditions.
You have engaged in fraudulent or illegal activity.
Your account has been inactive for an extended period.
We are required to do so by law or regulatory authority.

Upon termination, any remaining balance may be forfeited, subject to applicable laws and regulations. You may also request account closure by contacting our customer support team. Upon closure, any outstanding balances (subject to wagering requirements and deductions) will be returned to you.

13. Disclaimers and Limitation of Liability

13.1 Disclaimer of Warranties

99EXCH provides its services on an “as is” and “as available” basis without any warranties, express or implied. We do not warrant that our platform will be error-free, secure, or uninterrupted. We are not responsible for any losses or damages arising from:

Technical failures, server downtime, or internet connectivity issues.
Third-party errors, including payment gateway failures or banking delays.
Unauthorized access to your account due to your failure to protect your credentials.
Incorrect or outdated information displayed on our platform.

13.2 Limitation of Liability

To the maximum extent permitted by law, 99EXCH and its affiliates, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability to you for any claim shall not exceed the amount of your deposits in the preceding 30 days.

14. Indemnification

You agree to indemnify, defend, and hold harmless 99EXCH, its affiliates, directors, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses (including legal fees) arising from:

Your violation of these Terms and Conditions.
Your use of our services.
Your violation of any law or regulation.
Any claim by a third party related to your use of our platform.

15. Complaints and Disputes

If you have a complaint or dispute regarding our services, bets, or account transactions, please contact our customer support team. We will make every effort to resolve your issue fairly and promptly.

If we are unable to resolve the dispute internally, you may escalate the matter to the relevant regulatory authority in your jurisdiction. Our decision on disputed bets or accounts is final and binding unless proven to be in error.

16. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any legal action or proceeding arising out of or related to these terms shall be brought exclusively in the courts of New Delhi, India.

You agree to submit to the personal jurisdiction of such courts and waive any objections to venue or convenience.

17. Third-Party Links and Services

Our platform may contain links to third-party websites, applications, or services. These links are provided for your convenience, and we do not endorse, control, or assume responsibility for any third-party content or services. Your use of third-party services is at your own risk and subject to their terms and conditions.

18. Force Majeure

We shall not be held liable for any delay or failure to perform our obligations if such delay or failure is caused by events beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, strikes, natural disasters, power outages, or government actions.

19. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be deemed modified to the minimum extent necessary to make it enforceable.

20. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and 99EXCH regarding your use of our services. They supersede all prior agreements, understandings, or representations, whether written or oral.

21. Assignment

You may not assign or transfer your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations to any affiliate or third party at our sole discretion.

22. Waiver

Our failure to enforce any provision of these Terms and Conditions shall not be construed as a waiver of our right to enforce such provision in the future. Any waiver must be in writing and signed by an authorized representative of 99EXCH.

23. Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions or our services, please contact us at:

99EXCH Customer Support
Email: support@99exch.com
Live Chat: Available on our website 24/7
Phone: +91-XXXXXXXXXX (Available 10:00 AM – 10:00 PM IST)

24. Summary of Key Points

Key Aspect	Details
Minimum Age	18 years or legal gambling age
One Account Per User	Strictly enforced
KYC Required	Mandatory for withdrawals
Deposit/Withdrawal Fees	₹0 (third-party fees may apply)
Withdrawal Processing	1-3 hours (UPI/E-wallets), 6-24 hours (Bank Transfer)
Bonus Wagering	Varies by promotion (usually 8x-10x)
Responsible Gambling Tools	Deposit limits, self-exclusion, cooling-off
Prohibited Activities	Fraud, underage, money laundering, multiple accounts
Governing Law	India (Courts of New Delhi)

25. Important User Obligations Checklist

Obligation	Action Required
Age Verification	Ensure you are 18+ before registering
Accurate Information	Provide correct, up-to-date personal details
Account Security	Keep your username and password confidential
KYC Compliance	Complete verification when requested
Responsible Gambling	Use deposit limits and self-exclusion tools if needed
Tax Compliance	Declare winnings as per Income Tax laws
Policy Updates	Review these terms periodically for changes

26. Responsible Gambling Resources

If you or someone you know is struggling with gambling addiction, please reach out to these professional organizations:

Organization	Contact Details
National Helpline for Problem Gambling (India)	1800-11-4000
GamCare (International)	www.gamcare.org.uk
BeGambleAware	www.begambleaware.org
Gamblers Anonymous	www.gamblersanonymous.org
99EXCH Support	Live Chat 24/7

27. Tax Implications for Users

As per Indian income tax laws, any winnings from online betting or gambling are subject to taxation at the rate of 30% (plus applicable cess) under Section 115BB of the Income Tax Act, 1961. It is your sole responsibility to calculate, declare, and pay any applicable taxes on your winnings. 99EXCH does not provide tax advice, and we encourage you to consult a qualified tax professional for guidance.

28. Final Acceptance

By using 99EXCH, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. You also acknowledge that you have had the opportunity to seek independent legal advice before accepting these terms.

Thank you for choosing 99EXCH. We wish you a safe, enjoyable, and responsible betting experience.

Last Updated: 08 September 2026

Disclaimer

The information provided on this page is for general informational purposes only and does not constitute legal advice. You should consult a qualified legal professional for advice regarding your specific situation. 99EXCH reserves the right to modify these Terms and Conditions at any time without prior notice. Your continued use of our platform after changes constitutes your acceptance of the updated terms.