20hbajee Terms & Conditions — A Complete Guide to Using the Platform

1 Introduction & Definitions

20hbajee (hereinafter referred to as "we", "the Platform", or "the Company") is an internationally licensed online betting and gaming platform. This document constitutes a legally binding agreement between 20hbajee and its users.

Key Definitions

• "User" or "Member" — A person who has registered on 20hbajee and is using the platform.
• "Account" — Each user has their own individual login-protected profile.
• "Bet" or "Wager" — Placing a specific amount of money on the outcome of an event.
• "Odds" — The potential return rate on a bet.
• "Balance" — The total funds held in your account.
• "Bonus" — Additional funds or benefits provided for promotional purposes.
• "Wagering" — A required number of bets that must be placed before a bonus can be withdrawn.

These Terms & Conditions apply to the website, mobile app, and all digital services offered by 20hbajee.

2 Account Opening Requirements

Registration Terms

• Each individual may open one account only. Multiple accounts are strictly prohibited.
• All information provided at registration must be accurate and truthful.
• Only one account may be opened per phone number.
• Multiple members of the same household may each open a separate account; however, if registering from the same device, verification will be required.
• You are solely responsible for the security of your account. Never share your password with anyone.
• Accessing the platform from restricted regions via proxy or VPN is not permitted.

Eligibility Criteria

The following individuals are not eligible to open an account on 20hbajee:

• Any individual under the age of 18.
• Anyone whose previous 20hbajee account has been closed.
• 20hbajee employees and their immediate family members.
• Residents of countries where online betting is completely prohibited.

3 Account Verification (KYC)

As part of 20hbajee's security policy, every account must be verified. This is essential for preventing financial fraud and protecting minors.

Documents Required for Verification

• Proof of Identity: A clear photo of your National ID (NID) or passport.
• Proof of Address: Utility bill or bank statement (issued within the last 3 months).
• Payment Verification: Proof of ownership of the Mobile Pay/Nagad number used for deposits.

20hbajee may request additional verification information at any time. Failure to provide it may result in a temporary account restriction.

4 Deposit & Withdrawal Policy

Deposit Rules

• Minimum deposit: ৳100 BDT (applicable to all methods, including Mobile Pay, Nagad, and Rocket).
• Deposits are always credited to your account instantly.
• The deposit method and account holder name must match — third-party payments are not accepted.
• No additional charges apply to deposits.

Withdrawal Rules

• Minimum withdrawal: ৳300 BDT.
• Your account must be fully verified before any withdrawal can be made.
• Withdrawals may only be made to the same payment method used for the deposit.
• Standard withdrawals are processed within 15–30 minutes.
• Large withdrawals (above ৳50,000) may require additional verification and could take 24–72 hours to process.
• 20hbajee reserves the right to delay or cancel withdrawals in cases of suspicious activity.

5 Betting Rules

General Betting Terms

• Once a bet is placed, it cannot be cancelled — only the cash-out feature may be used.
• Minimum bet: ৳10 BDT.
• Maximum bet limits vary by event and market — check the relevant listing for details.
• 20hbajee sets the maximum winnings applicable per event.
• 20hbajee reserves the right to void any bet placed at incorrect odds due to a technical error.

Live Betting

In Live Betting, odds change in real time. The odds displayed at the exact moment your bet is submitted are final. Odds may shift due to network delays — this is not a technical error.

If a Match Is Cancelled or Abandoned

• If an event is cancelled, the stake for that bet will be refunded in full.
• If a selection in an accumulator bet is cancelled, it will be treated as void and the remaining selections will stand.
• If a match ends before the scheduled time, bets are generally considered void, though this may vary depending on the circumstances.

Match Fixing or Fraud Suspicion

If match-fixing or event manipulation is suspected, 20hbajee reserves the right to investigate all bets placed on that event and void them if necessary.

6 Bonus & Promotion Rules

Participation in 20hbajee bonuses and promotions is entirely optional. However, once a bonus is accepted, the associated terms and conditions become binding.

Wagering Requirements

• Most bonuses require a specified number of wagers to be completed before withdrawal.
• The wagering requirement will be stated separately for each offer.
• Bets placed below the specified minimum odds may not count towards wagering requirements.
• Bonuses cannot be withdrawn before the wagering requirement is completed.

Bonus Abuse

Bonus Validity Period

Every bonus has a set expiry date. Any unused bonus will be automatically cancelled once it expires.

7 Prohibited Activities

The following activities are strictly prohibited on 20hbajee:

• Creating or operating multiple accounts.
• Opening an account or passing verification using false information.
• Placing bets or playing games using automated software or bots.
• Deliberately exploiting technical glitches on the platform.
• Conducting transactions using third-party funds.
• Attempting to gain unauthorized access to another user's account.
• Any form of cyberattack against the platform.
• Money laundering or transacting through illegal funds.

8 Account Closure & Restrictions

User's Right to Self-Closure

You may close your account at any time. Simply contact our support team, and the process will be completed within 48 hours. Please withdraw any remaining balance before closing your account.

Self-Exclusion

As part of responsible betting, you may self-exclude your account for a set period — 6 months, 1 year, or permanently. Accounts cannot be reopened during the exclusion period.

Grounds for Account Closure by 20hbajee

• Engaging in prohibited activities.
• Providing false information or committing identity fraud.
• Bonus abuse.
• Failure to cooperate with the verification process.
• Being a minor.

9 Privacy & Data Protection

20hbajee takes the protection of your personal data extremely seriously. For full details on how your information is collected and used, please refer to our Privacy Policy.

Purpose of Data Use

• Account management and verification.
• Meeting regulatory requirements in compliance with applicable law.
• Improving platform quality.
• Fraud prevention and security assurance.

20hbajee never sells your personal information to third parties. However, data may be disclosed to regulatory or law enforcement authorities when required by law.

10 Limitation of Liability

20hbajee is not liable for the following:

• Unauthorized access to an account resulting from the user's own negligence.
• Bets not placed or losses incurred due to internet connectivity issues.
• Temporary service disruptions due to technical issues.
• Financial losses resulting from the user's own betting decisions.
• Delays or failures caused by third-party payment services.

20hbajee is committed to maintaining the highest technical standards, but no platform is ever 100% perfect. If you encounter any issues, please notify our support team immediately.

11 Changes to Terms

20hbajee may update these Terms & Conditions at any time. You will be notified of any changes via your registered email or app notification before they take effect.

• At least 7 days' advance notice will be given for any significant changes.
• Continued use of the platform after any changes have been made will be considered acceptance of the updated terms.
• If you do not agree to the updated terms, you may close your account and withdraw your remaining balance.

The "Last Updated" date at the top of this page is always current. Please check back regularly.

12 Dispute Resolution

Any complaints or disputes are resolved through the following steps:

1. Support Team: First, contact the support team via live chat or email. A response will be provided within 48 hours.
2. Escalation: If you are not satisfied with the support team's resolution, you may escalate your complaint to a manager.
3. Independent Arbitrator: If no mutual agreement is reached, the matter will be referred to an independent third-party dispute resolution body.

These Terms & Conditions are governed by applicable law and the jurisdiction of the platform's licensing authority.

These Terms & Conditions were last updated on 1 January 2026.