Terms & Conditions — 16bd

1 Definitions and Interpretation

In these Terms and Conditions, the following terms shall have the meanings set out below unless the context requires otherwise:

• "Platform" means the 16bd website accessible at https://16bd.io, including all sub-pages, mobile-optimised views, casino games, sports betting markets, account portal and related services.
• "Player" / "You" means any individual who registers an account on the Platform or accesses any part of the Platform.
• "Account" means the personal account registered by the Player on the Platform.
• "Balance" means the real-money funds held in a Player's Account at any given time, excluding any bonus credits that remain subject to wagering requirements.
• "Bonus Funds" means promotional credits, free spins value, cashback amounts or any other non-cash incentive credited to an Account pursuant to a promotion.
• "Wagering Requirement" means the minimum number of times Bonus Funds must be turned over on eligible games before a withdrawal request may be submitted.
• "Transaction" means any deposit, withdrawal, transfer or bet placed on the Platform.
• "BDT" means Bangladeshi Taka (৳), the currency used for all Transactions on the Platform.
• "Game Provider" means a third-party software studio whose games are made available on the Platform, including but not limited to Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe and Ezugi.
• "AML" means Anti-Money Laundering procedures and obligations applicable to the Platform's operations.
• "KYC" means Know Your Customer identity verification procedures conducted by the Company.

References to the singular include the plural and vice versa. Clause headings are for convenience only and do not affect interpretation. Any reference to a statute includes all amendments to that statute in force from time to time.

2 Acceptance of Terms

By accessing the Platform, creating an Account, making a deposit or placing a bet, you confirm that you have read, understood and agree to be legally bound by these Terms and Conditions, together with the Platform's Privacy Policy and Responsible Gaming Policy, each of which is incorporated into these Terms by reference.

These Terms apply to all Players regardless of the device or browser used to access the Platform. If you access the Platform on behalf of another person, you represent that you have the authority to bind that person to these Terms, and by accepting these Terms you do so both on your own behalf and on behalf of that person.

The Company reserves the right to amend these Terms at any time in accordance with Clause 14. Continued use of the Platform after any amendment constitutes acceptance of the revised Terms.

3 Eligibility and Registration

To register an Account on 16bd, you must satisfy all of the following eligibility criteria at the time of registration and on a continuing basis while your Account remains active:

• You are at least 21 years of age. The Platform is strictly for adults aged 21 and above, and the Company enforces this requirement rigorously.
• You are a natural person and not a corporation, partnership, trust or other legal entity.
• You are registering and using the Platform entirely on your own behalf and not as an agent, representative or nominee of any third party.
• You do not already hold an active or suspended Account on the Platform. Only one Account per person, per household and per IP address is permitted.
• All information provided during registration is accurate, current and complete. Providing false or misleading information is grounds for immediate Account closure and forfeiture of funds.
• You are not an employee, contractor, director or officer of the Company, any Game Provider, or any affiliate or partner of the Company. Close family members of such persons are also ineligible.

The Company reserves the right to decline any registration application at its sole discretion without providing a reason. Registration does not guarantee the continued availability of any particular game, market or promotional offer.

During the registration process you will be required to provide a valid mobile number for verification purposes. The Company may at any time during the lifecycle of your Account require additional KYC documentation, including government-issued photo identification, proof of address, proof of payment method ownership and source-of-funds documentation. Failure to provide such documentation within the timeframe specified by the Company may result in Account suspension or closure.

4 Account Management

You are solely responsible for maintaining the security and confidentiality of your login credentials, including your username, password and any one-time verification codes sent to your registered mobile number. You must not share your login credentials with any other person or allow any other person to access your Account.

The Company will never contact you to request your password. If you receive any communication purportedly from 16bd requesting your password, you should treat it as fraudulent and report it to the Company's support team immediately.

You must notify 16bd immediately if you suspect that your Account has been accessed without your authorisation. The Company accepts no liability for losses arising from unauthorised Account access where you have failed to maintain reasonable security of your credentials or where you have shared your credentials with a third party.

The Company reserves the right to close, suspend or restrict any Account at any time for reasons including but not limited to:

• Breach or suspected breach of any provision of these Terms.
• Failure to complete KYC or AML verification to the Company's satisfaction.
• Receipt of a chargeback instruction from a payment provider.
• Reasonable suspicion of fraudulent, illegal or abusive activity.
• Regulatory, compliance or risk-management requirements.
• A Player's voluntary request to close their Account.

Upon Account closure initiated by the Company for cause, any Balance remaining may be withheld pending investigation. Where closure is initiated by the Player with no breach of these Terms, the remaining real-money Balance will be refunded to the Player's registered payment method within a reasonable processing period.

5 Deposits and Withdrawals

All financial transactions on the Platform are denominated in Bangladeshi Taka (BDT / ৳). The Company currently supports the following deposit and withdrawal channels: bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank mobile banking, and selected domestic bank transfers. The availability of specific channels may vary and is subject to change without notice.

Deposits: The minimum deposit amount is ৳200. There is no fee charged by 16bd on standard deposits, although your payment provider may apply its own transaction charges. Deposits are credited to your Account upon confirmation from the payment provider and are generally instant. The Company is not responsible for delays caused by the payment provider's systems or network outages.

Withdrawals: The minimum withdrawal amount is ৳500. Withdrawals will be processed only to the same payment method and account used for the corresponding deposit ("same-payment-method rule"). This rule exists to comply with AML obligations and to prevent fraud. Processing times for withdrawals are generally within 60 minutes during business hours, subject to KYC clearance and internal review. The Company reserves the right to extend processing times where additional verification is required.

Withdrawal Conditions: Before a withdrawal request will be approved, you must have completed all required KYC verification steps and must not have any active bonus funds subject to an incomplete wagering requirement. Where a withdrawal is requested while Bonus Funds with an unsatisfied wagering requirement are present in the Account, the Company may at its discretion either forfeit the Bonus Funds and process the real-money Balance, or decline the withdrawal pending wagering completion — the applicable treatment will be specified in the relevant bonus terms.

The Company reserves the right to withhold, delay or reverse any withdrawal where there is a reasonable suspicion of fraud, money laundering, Terms breach or chargeback risk. In such cases the Player will be notified and given the opportunity to provide clarifying information within the timeframe specified by the Company.

6 Bonuses and Promotions

The Company may from time to time offer bonuses, free spins, cashback, reload offers, tournament prizes and other promotional incentives to eligible Players. All such offers are subject to the specific terms published on the applicable promotion page, which are incorporated into these Terms by reference. In the event of any conflict between a promotion's specific terms and these Terms, the promotion-specific terms shall prevail with respect to that promotion only.

General bonus conditions that apply to all promotions unless otherwise stated include:

• Bonuses are available to Players who have completed account registration and, where specified, initial deposit requirements.
• Each bonus offer may only be claimed once per Player, per household and per IP address, unless the promotion expressly states otherwise.
• Bonus Funds are credited to a separate bonus balance and will be used after the real-money balance has been exhausted, or in the order specified in the promotion terms.
• Wagering requirements must be met within the validity period stated in the promotion terms. Bonus Funds that have not been rolled over within the validity period will expire and be removed from the Account automatically.
• Not all games contribute equally to wagering requirements. Live casino games, certain table games and progressive jackpot slots may contribute at a reduced rate or not at all. Contribution rates are published in the relevant promotion terms.
• The Company reserves the right to withdraw, amend or cancel any promotion at any time. Where a promotion is withdrawn after a Player has already claimed it, the Player's accrued progress toward the wagering requirement will be honoured.
• The Company reserves the right to void bonuses and winnings derived from bonuses if it determines that a Player has engaged in bonus abuse, including but not limited to: creating multiple accounts to claim the same offer, exploiting low-risk betting strategies to clear wagering requirements, or any other conduct inconsistent with genuine recreational play.

7 Game Rules and Fair Play

All casino games available on the 16bd platform are provided by certified third-party Game Providers. Each game is governed by its own rule set, which is accessible within the game interface. By placing a bet on any game, you confirm that you have read and understood the applicable game rules.

All games use certified Random Number Generator (RNG) technology or, in the case of live dealer games, physical dealing conducted under controlled studio conditions. The Company does not manipulate game outcomes and does not have the ability to do so — outcomes are determined entirely by the Game Provider's certified systems.

In the event of a technical malfunction during a game round, the affected round will be treated as void and any stake placed will be returned to the Player's Balance. Winnings generated during a demonstrably malfunctioning round will not be paid. The Company's decision on technical malfunction claims is final.

The Company reserves the right to void any bet or gaming session where there is evidence of software exploitation, use of prohibited third-party tools, or any other conduct that unfairly affects game outcomes.

8 Sports Betting

16bd offers sports betting markets on cricket, football, kabaddi, hockey and other sports. All bets are accepted at the odds displayed at the time the bet is confirmed by the Player. Odds are subject to change prior to bet confirmation and the Company is not liable for any discrepancy between odds displayed on a third-party device and the odds recorded in the Company's systems at the time of acceptance.

The following conditions apply to all sports bets:

• Bets are binding once confirmed and may not be cancelled or amended by the Player, except where an early cash-out feature is expressly offered for the relevant market.
• In the event of a match or event being abandoned, postponed or not completed within the time period specified in the market rules, bets will be settled in accordance with the rules for that specific market. For cricket, a minimum number of overs must typically be completed for match bets to stand — the applicable threshold is stated in the market rules.
• The Company reserves the right to suspend or close any market at any time, including in-play markets, without prior notice.
• Maximum win limits per event and per day may apply and are published in the sports betting terms section of the Platform.
• The Company reserves the right to void any bet placed at an obvious error price. An obvious error price is defined as an odds value that materially departs from the true market price available from leading international bookmakers at the time the bet was placed.
• In-play betting decisions are final once markets are settled. No in-play bet may be voided on the basis that the Player possessed information about the event outcome at the time of placing the bet — any such conduct constitutes prohibited activity under Clause 9.

9 Prohibited Conduct

The following conduct is strictly prohibited on the 16bd platform. Engaging in any prohibited conduct may result in immediate Account suspension, permanent Account closure, forfeiture of all funds in the Account, and reporting to relevant authorities where required by law:

• Registering more than one Account on the Platform, whether under your own identity or a false identity.
• Providing false, inaccurate or misleading information during registration or at any subsequent point when requested by the Company.
• Using the Platform for any money laundering, terrorist financing or other criminal activity.
• Using automated software, bots, scripts, artificial intelligence tools or any other non-human mechanism to interact with the Platform, place bets or influence game outcomes.
• Exploiting software bugs, errors or vulnerabilities in the Platform or in any Game Provider's software. Any suspected bug must be reported to support immediately and must not be exploited.
• Colluding with other Players or with employees of the Company or any Game Provider to gain an unfair advantage.
• Using insider information in relation to sports events — including but not limited to knowledge of match-fixing, spot-fixing or the intentional underperformance of a team or player.
• Initiating chargebacks, payment disputes or reversals through a payment provider without first attempting to resolve the matter with 16bd support.
• Engaging in systematic bonus abuse, including but not limited to: placing opposing bets across multiple accounts to exploit bonus terms, using low-variance betting strategies exclusively designed to meet wagering requirements with minimal risk, or claiming the same promotion multiple times.
• Allowing a minor (any person under the age of 21) to access or use your Account.

10 Intellectual Property

All content on the 16bd platform, including but not limited to the website design, logos, graphics, text, software, game interfaces, betting market layouts, promotional materials and the "16bd" brand name and mark, is the intellectual property of the Company or its licensors. Nothing in these Terms grants you any licence or right to use, reproduce, distribute, modify or create derivative works from any such content without the express prior written consent of the Company.

Game content made available through third-party Game Providers remains the intellectual property of those providers. The Company makes no representation or warranty as to the ownership of such content beyond the licence granted to the Company to make it available on the Platform.

You may not scrape, frame, deep-link or otherwise reproduce Platform content on any other website or application without the Company's written permission.

11 Limitation of Liability

To the maximum extent permitted by applicable law, the Company's total liability to you in connection with your use of the Platform, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed the total net deposits made by you to the Platform in the 12-month period immediately preceding the event giving rise to the claim.

The Company shall not be liable to you for any of the following, whether direct, indirect, incidental, special, consequential or punitive in nature:

• Loss of profits, revenue, business or anticipated savings.
• Loss of data or corruption of data.
• Loss of goodwill or reputation.
• Any loss arising from Platform downtime, maintenance windows, technical failures, internet connectivity issues, or force majeure events including natural disasters, civil unrest, pandemic, or government action.
• Any loss arising from the acts or omissions of third-party Game Providers, payment processors or telecommunications providers.
• Any loss arising from your reliance on any information published on the Platform, including game odds, statistics or promotional material, which may contain errors or be subject to change without notice.

Nothing in these Terms shall exclude or limit the Company's liability for fraud, death or personal injury caused by its own negligence, or any other liability that cannot be excluded or limited under applicable law.

12 Privacy and Data Protection

The Company collects, processes and stores personal data in accordance with its Privacy Policy, which is published on the Platform at 16bd.io/privacy-policy and is incorporated into these Terms by reference. By creating an Account, you acknowledge that you have read the Privacy Policy and consent to the processing of your personal data as described therein.

The Company may be required to disclose your personal data to regulatory authorities, law enforcement agencies or financial intelligence units in response to valid legal process or regulatory obligation. Such disclosures will be made in accordance with applicable law and the Privacy Policy.

You have the right to request access to, correction of, or deletion of your personal data held by the Company, subject to the limitations set out in the Privacy Policy and applicable law. Such requests should be submitted to the Company's support team.

13 Responsible Gaming

16bd is committed to promoting responsible gaming and to providing a safe environment for all Players. The Company provides the following tools to help Players manage their gaming activity:

• Deposit Limits: Players may set daily, weekly or monthly deposit limits on their Account. Limit reductions take effect immediately; limit increases are subject to a cooling-off period before taking effect.
• Session Time Reminders: Players may configure in-session notifications to alert them when they have been playing continuously for a specified period.
• Self-Exclusion: Players who wish to take a break from gambling may request a self-exclusion period of 30 days, 90 days, 180 days or permanent exclusion. During self-exclusion, the Player's Account is suspended and all marketing communications are halted. Requests for self-exclusion should be directed to the support team.
• Reality Checks: The Platform displays elapsed session time and net win/loss information to assist Players in making informed decisions.

The Platform is strictly for persons aged 21 and above. The Company employs age verification measures and will close any Account found to belong to a person under the age of 21, with all funds returned to the payment method of record. If you are aware of a minor accessing the Platform, please contact the support team immediately.

If you are concerned that gambling is having a negative impact on your finances, relationships or wellbeing, we strongly encourage you to contact the 16bd support team to discuss available options. Full details of the Company's responsible gaming commitments are set out in the Responsible Gaming Policy at 16bd.io/responsible-gaming.

14 Amendments to These Terms

The Company reserves the right to amend, update or replace these Terms at any time. Where an amendment is material — meaning it significantly affects your rights or obligations as a Player — the Company will provide reasonable advance notice of the change by posting a notice on the Platform or by sending a notification to your registered contact details.

Non-material amendments (including corrections of typographical errors, clarifications that do not alter substantive rights, or updates required by applicable law) may take effect immediately upon publication on the Platform without prior notice.

The date of the most recent revision to these Terms is displayed at the top of this page. It is your responsibility to review these Terms periodically. Continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept a material amendment, you must close your Account before the amendment takes effect.

15 Governing Law and Dispute Resolution

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation, shall be governed by and construed in accordance with the laws applicable to the Company's jurisdiction of operation, to the extent permitted by applicable law in Bangladesh.

In the event of a dispute between a Player and the Company, the Player should first contact the Company's support team to attempt an informal resolution. The Company aims to respond to all formal complaints within five (5) business days. Where a complaint cannot be resolved informally, the parties agree to attempt resolution through good-faith negotiation before pursuing any other remedy.

Nothing in this Clause limits any mandatory statutory right you may have under applicable consumer protection legislation in Bangladesh.

16 Contact and Support

If you have any questions about these Terms and Conditions, or if you wish to make a complaint, submit a KYC document, request self-exclusion or close your Account, please contact the 16bd support team through the following channel:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24 hours a day, 7 days a week via the chat widget on the Platform.
• Response Time: The Company aims to respond to all email enquiries within 24 hours and to all live chat messages within 5 minutes during normal operational hours.

When contacting support regarding a dispute or complaint, please include your registered username, a description of the issue and any relevant transaction reference numbers to enable the team to investigate your matter promptly.

These Terms and Conditions were last reviewed and updated on 1 January 2026. All prior versions of these Terms are superseded by this version as of that date.