📋 Last Revised: 2026

AF99 Terms & Conditions — Terms of Use & Policies

Please read these terms carefully before using the AF99 platform. By registering or using our services, you are deemed to have accepted these terms.

Last Updated: January 2026
Important Notice By using the AF99 website and app, you are fully accepting these Terms & Conditions. These terms are governed by the laws of Bangladesh and international gaming regulatory frameworks. This platform is available to users aged 18 and above only.
Section 01

General Provisions & Applicability

These Terms & Conditions AF99 Applies to all services on the platform — including the website, mobile app, and any other channel through which services are provided. AF99 An internationally licensed online gaming service provider. This platform offers Sports Betting, casino games, Live Casino, and a range of other gaming services.

The right to amend these Terms & Conditions at any time AF99 Reserves the right to make changes. Continued use of the platform after any amendment constitutes acceptance of the revised terms. We recommend checking this page regularly.

  • These Terms & Conditions are available in both Bengali and English. In the event of any dispute, the English version shall prevail.
  • By using any part of the platform, you confirm that you are legally eligible to use this service.
  • Use of this service from countries where online gaming is legally prohibited is strictly not permitted.
  • AF99 The management reserves the right to suspend or terminate any user's account or access with due cause.
Section 02

Account Registration & Usage Policy

Each user may register only one account. If multiple accounts are found to belong to the same person, AF99 Reserves the right to close all accounts and forfeit any remaining balances. All information provided at registration must be accurate and kept up to date.

Account security is entirely the user's responsibility. Never share your password with anyone. If you suspect unauthorised access to your account, contact support immediately.

Age Verification

At the time of registration or at any stage thereafter, AF99 Proof of identity may be requested for age verification. If a user is found to be under 18, the account will be closed immediately.

Accuracy of Information

Providing false information during registration is strictly prohibited. If false information is verified, the account may be terminated and the balance forfeited.

Account Transfers Prohibited

Selling, renting, or transferring an AF99 account to another person is strictly prohibited. If this occurs, both accounts may be permanently closed.

Identity Verification (KYC)

Identity verification (KYC) may be required before processing large withdrawals. This is in place to ensure security and prevent money laundering.

Section 03

Betting Rules & Restrictions

AF99All bets placed on are considered final once confirmed. Requests to cancel a bet after confirmation — whether due to error or change of mind — are generally not accepted, except where the Cash Out feature is available to close the bet.

In the event of a technical error in odds display (such as abnormally high odds), AF99 Reserves the right to void such bets. Deliberately exploiting this type of error may result in permanent account closure.

  • The minimum stake per bet is ৳20. Maximum stakes vary depending on the market and event.
  • Odds in live in-play betting can change at any time. The odds displayed at the moment you submit your bet are the ones that apply.
  • If a match is abandoned or postponed, bet settlement will follow the rules applicable to that specific sport.
  • If there is evidence of suspected match-fixing or corruption, the results of the bets concerned may be voided.
  • If one leg of an Accumulator bet is voided, that selection's odds will be counted as 1.0.

Warning: Any attempt to gain an unfair advantage using a betting system or automated software will result in permanent account closure. AF99 Takes strict action against all forms of fraudulent activity.

Section 04

Deposit, Withdrawal & Payment Policy

The minimum deposit amount is ৳200 and the minimum withdrawal amount is ৳500. AF99Payments on can be made via bKash, Nagad, and Rocket. All transactions are processed in Bangladeshi Taka (BDT).

Withdrawals are typically processed within 30 minutes to 24 hours. VIP members benefit from faster processing times. Identity verification may be required for your first withdrawal.

  • The account used to make a deposit and the account used to receive a withdrawal must be the same. Withdrawals to third-party accounts are not permitted.
  • At least one bet must be placed after a deposit before a withdrawal can be requested. Deposits made with a bonus are subject to wagering requirements.
  • If a delay occurs due to a technical issue with the payment gateway, please contact support with your TrxID.
  • To prevent money laundering, AF99 Reserves the right to suspend and investigate any suspicious transactions.
  • Betting with credit cards or borrowed money is strongly discouraged.
Section 05

Bonus, Promo & Free Bet Terms

AF99All bonus offers on are subject to specific terms. To qualify for the welcome bonus, registration and the first deposit must be completed within the specified timeframe. Each bonus carries its own wagering requirements and expiry — see the relevant offer page for full details.

Bonus balances cannot be withdrawn directly. Winnings derived from a bonus only become withdrawable after the wagering requirements have been met. For free bets, only the net winnings are withdrawable — the original stake is not included.

  • Each bonus offer is limited to one per person, household, IP address, or device.
  • Once a bonus expires, any unused bonus amount and associated winnings will be forfeited.
  • Any attempt to exploit the bonus system fraudulently may result in account suspension and forfeiture of all balances.
  • Accumulator bonus boosts require a minimum of 3 selections, each with odds of at least 1.5.
  • AF99 Reserves the right to modify or cancel any bonus offer at any time.
Section 06

Responsible Gaming Commitment

AF99 Responsible gaming is our top priority. Gaming is for entertainment — it should never be treated as a source of income. If you feel that gaming is having a negative impact on your life, please seek help immediately.

Users can set deposit limits, activate a cooling-off period, or enable self-exclusion directly from their account settings. Once self-exclusion is activated, the account cannot be reopened before the specified period has ended.

  • Creating or using an account is strictly prohibited for anyone under 18 years of age.
  • Any attempt to open an account under a minor's identity will be subject to legal action.
  • Anyone struggling with gaming addiction is encouraged to reach out to a relevant support organisation in Bangladesh.

Learn More Responsible Gaming Please read this page.

Section 07

Data Privacy & Usage

AF99 Your personal data is collected to improve our services — not to be sold. All information is protected with 256-bit SSL encryption and is never shared with third parties, except where required for payment processing or legal obligations.

For full details on our data collection and usage policy, please Privacy Policy Please read this page.

  • Cookies are used to enhance your experience on the platform. You can disable cookies through your browser settings.
  • You may opt out of marketing communications at any time.
  • Information may be disclosed in response to a lawful request from law enforcement authorities.
Section 08

Account Closure & Restrictions

In the following circumstances AF99 May suspend or permanently close an account without prior notice in the following cases:

  • If any part of these Terms & Conditions is violated.
  • If fraudulent activity or suspicious betting patterns are detected.
  • Using a betting system or automated software.
  • Opening or operating an account under a false identity.
  • If an attempt is made to commit financial fraud or initiate a chargeback.
  • If the account holder is found to be a minor.

Users may request account closure at any time. Please withdraw your balance before the account is closed. Any active bonuses will be forfeited upon closure.

Right to Appeal: Decisions regarding account closure may be appealed within 30 days by contacting support@af99.life. AF99 All appeals will be reviewed fairly before a final decision is made.

Have Questions About These Terms? For any questions or clarifications, contact our support team via 24/7 live chat in Bengali or by email at support@af99.life.

AF99's Core Guarantees

What We Promise Beyond the Terms

Clear & Transparent Rules

There are no hidden terms at AF99. Every bonus and payment policy is written in plain language so you always know exactly where you stand.

Secure Transactions

All financial transactions are secured with 256-bit SSL encryption. Instant deposits via bKash, Nagad, and Rocket — with zero fees.

Fast Withdrawals

Get your winnings quickly at AF99. Processing is typically completed within 30 minutes — and even faster for VIP members.

24/7 Bangla Support

If you have any questions about the Terms or encounter a payment issue, our support team is available around the clock in Bengali. Average response time is under 2 minutes.

Licensed Operations

AF99 operates under a licence from an international gaming authority. All operations are conducted within the regulatory framework — no exceptions.

Responsible Gaming Support

AF99 believes gaming should be fun. Deposit limits, cooling-off periods, and self-exclusion options are always available.


FAQ

Frequently Asked Questions About Our Terms

There are several reasons an account may be locked — repeated incorrect password attempts, detection of suspicious activity, or a security verification requirement. First, clear your browser cache and cookies and try again. If the issue persists, contact AF99 via live chat and verify your identity using your registered mobile number and email. The support team will typically unlock your account within 15 minutes after verifying your identity. If the lock is security-related, KYC documents may be requested — in that case, please submit a scan of your National ID card or passport.

The minimum bet at AF99 is ৳20. Bets of ৳10 or less will not be confirmed — the system will automatically reject them. Starting at just ৳20 gives new users a low-risk way to get started. The same ৳20 minimum applies to Accumulator bets — keep in mind that the total stake across all three selections is ৳20 combined, not per selection. Maximum bet limits vary by market and event, with higher limits available for major matches.

Clear on the Terms? Get Started Now

Sign up with AF99 and join Bangladesh's most trusted betting platform. 100% Welcome Bonus with transparent terms — no surprises.

18+ · Gamble Responsibly · Responsible Gaming Policy

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