These Terms and Conditions constitute a legally binding agreement between you and hm99 governing your access to and use of the hm99 platform, including all casino games, sports betting services, promotional offers, and payment facilities. Please read them carefully before creating an account or placing any wager.
Important Notice: By accessing, registering on, or using the hm99 platform in any capacity, you unconditionally agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any provision of these terms, you must immediately cease using the hm99 platform. These terms apply to all users of the hm99 platform, including visitors, registered members, and VIP account holders.
1.1 These Terms and Conditions ("Terms") govern the relationship between hm99 ("the Platform", "we", "us", "our") and any individual ("you", "the User", "the Player") who accesses or uses any part of the hm99 website located at hm99.vu and all associated services, products, games, and promotional materials offered therein.
1.2 By completing the account registration process, making a deposit, placing a wager, or otherwise using the hm99 platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and any applicable game-specific rules, bonus terms, and promotional conditions published on the platform from time to time.
1.3 These Terms constitute the entire agreement between you and hm99 with respect to the subject matter herein and supersede all prior agreements, representations, or understandings whether written or oral.
1.4 hm99 reserves the right to modify, update, or replace these Terms at its sole discretion. Where material changes are made, hm99 will notify registered users via the email address or account notification system on record. Your continued use of the platform following the effective date of any amendment shall constitute your acceptance of the revised Terms.
2.1 Minimum Age Requirement. The hm99 platform is strictly available to individuals who are twenty-one (21) years of age or older. By registering an account, you expressly warrant and represent that you meet this minimum age requirement. hm99 operates a zero-tolerance policy with respect to underage gambling.
2.2 KYC Verification. hm99 is required under its international gaming licence to verify the identity and age of all registered users prior to processing any withdrawal request. You agree to provide accurate, complete, and current documentation as requested by hm99's compliance team, including but not limited to a valid government-issued photo identity document and proof of address.
Age Restriction: It is a serious offence to attempt to register on or use the hm99 platform if you are under 21 years of age. hm99 will immediately terminate any account found to belong to an underage user, void all associated wagers and winnings, and report the matter to the relevant authorities where required by law.
2.3 Jurisdictional Eligibility. You are solely responsible for ensuring that your use of the hm99 platform complies with the laws of your jurisdiction of residence. hm99 does not warrant the legality of its services in any particular jurisdiction. If access to or use of the hm99 platform is prohibited by the laws of your jurisdiction, you must not use the platform.
2.4 Single Account Policy. Each individual may hold only one (1) registered account on the hm99 platform. The registration of multiple accounts by the same individual is strictly prohibited and will result in the suspension of all associated accounts and the forfeiture of any balances or bonuses held therein.
3.1 Registration Requirements. To access hm99 gaming and betting services, you must complete the account registration process by providing accurate and truthful personal information, including your full legal name, date of birth, residential address, and a valid contact email address. hm99 reserves the right to request additional verification information at any time.
3.2 Account Credentials. You are solely responsible for maintaining the confidentiality of your hm99 login credentials, including your username and password. You agree not to disclose your login credentials to any third party and to notify hm99 immediately at [email protected] if you suspect any unauthorised access to or use of your account.
3.3 Account Accuracy. You warrant that all information provided during and after registration is accurate, complete, and will be kept up to date. Providing false, inaccurate, or misleading information constitutes a material breach of these Terms and may result in immediate account suspension and the forfeiture of any funds held in the account.
3.4 Account Liability. hm99 will not be liable for any loss or damage arising from your failure to maintain the security of your login credentials. Any activity conducted through your hm99 account — whether authorised by you or not — shall be deemed to have been conducted by you unless you have previously notified hm99 of unauthorised access.
3.5 Two-Factor Authentication. hm99 strongly recommends that all users enable two-factor authentication ("2FA") on their account for enhanced security. 2FA is available via SMS OTP or authenticator application and can be activated from your account security settings.
4.1 Accepted Payment Methods. hm99 accepts deposits and processes withdrawals via the payment methods listed on the platform from time to time, which currently include JazzCash, EasyPaisa, HBL bank transfer, UBL bank transfer, Meezan Bank transfer, SadaPay, and USDT TRC20. All PKR deposits and withdrawals are processed in Pakistani Rupees. hm99 reserves the right to add, modify, or remove supported payment methods at any time without prior notice.
4.2 Minimum Deposit. The minimum single deposit amount is PKR 200. hm99 reserves the right to modify minimum deposit amounts with reasonable notice to users.
4.3 Withdrawal Processing. Withdrawal requests are processed subject to successful completion of KYC identity verification. hm99 targets withdrawal processing times of five (5) to fifteen (15) minutes for standard accounts and under five (5) minutes for VIP Gold members and above under normal operating conditions. Actual processing times may vary due to banking system delays, compliance review requirements, or other factors outside hm99's control.
4.4 Withdrawal Conditions. hm99 may require you to wager your deposited funds a minimum number of times before a withdrawal is permitted, as a standard anti-fraud and anti-money-laundering measure. Any applicable wagering requirement applicable to bonus funds is detailed in the relevant bonus terms and conditions.
4.5 AML Compliance. hm99 is obligated under its international gaming licence to maintain anti-money-laundering compliance procedures. hm99 reserves the right to request source-of-funds documentation from any user prior to processing a withdrawal. Failure to provide requested documentation within a reasonable timeframe may result in withdrawal processing delays or account review.
Withdrawal to Payment Method Used for Deposit: As a general anti-fraud policy, hm99 will return funds to the same payment method used for the original deposit where technically possible. This policy is in place to protect users from unauthorised withdrawal requests and is a standard practice required under hm99's international licensing obligations.
4.6 Declined Transactions. hm99 reserves the right to decline any deposit or withdrawal transaction at its sole discretion, including where the transaction is flagged by hm99's fraud detection systems, where the user's account is under compliance review, or where the payment method cannot be verified.
5.1 hm99 offers various bonuses and promotional offers to eligible registered users from time to time. All bonuses are subject to specific terms and conditions published alongside each promotion. In the event of any conflict between a specific promotion's terms and these general Terms and Conditions, the specific promotion's terms shall prevail.
5.2 Wagering Requirements. Bonus funds are subject to wagering requirements before they may be converted to withdrawable cash. The specific wagering requirement applicable to each bonus is stated in the relevant promotion's terms. hm99 reserves the right to modify wagering requirements with reasonable notice.
5.3 Bonus Eligibility. Unless stated otherwise, bonuses are available to one account per household, per IP address, and per device. hm99 reserves the right to withdraw any bonus offer from users who it reasonably suspects are abusing the bonus system, including through the use of multiple accounts, coordinated betting patterns, or other forms of bonus abuse.
5.4 Bonus Forfeiture. hm99 reserves the right to cancel or void any bonus at its sole discretion if it determines, acting reasonably, that the bonus was obtained through fraudulent means, that the user has violated these Terms, or that the user is ineligible for the relevant promotion.
6.1 All bets placed on the hm99 platform are subject to the specific rules applicable to each game or betting market, as published on the platform. By placing a bet or participating in any game, you agree to be bound by the applicable game or market rules.
6.2 Bet Acceptance. hm99 reserves the right to refuse, limit, or void any bet at its sole discretion. This includes bets placed after a sporting event has concluded, bets placed at manifestly incorrect odds, and bets that hm99 has reasonable grounds to believe have been placed in connection with match-fixing, cheating, or other prohibited activities.
6.3 Game Results. All casino game results are determined by certified Random Number Generator ("RNG") software or, in the case of live dealer games, by physical game equipment operated by professional dealers. hm99's recorded game results shall be final and definitive in the event of any dispute regarding the outcome of a game.
6.4 System Errors. In the event of a technical malfunction, system error, or software failure affecting a game or bet, hm99 reserves the right to void affected bets and return stakes to the relevant accounts. hm99 shall not be liable for any winnings that arise as a direct or indirect result of a system error.
6.5 Responsible Betting Limits. hm99 imposes minimum and maximum betting limits on all games and markets, which are displayed on the platform. hm99 reserves the right to impose individual betting limits on any user's account where hm99 deems it appropriate in the exercise of its responsible gaming or risk management obligations.
7.1 In connection with your use of the hm99 platform, you agree that you will not engage in any of the following prohibited activities:
7.2 hm99 reserves the right to suspend or permanently terminate any account and forfeit any associated funds where hm99 reasonably determines that any prohibited conduct has occurred.
8.1 hm99 is committed to promoting responsible gaming and providing tools to help players manage their gaming activity. hm99's responsible gaming tools are accessible to all registered users at any time from within their account settings.
8.2 Available Tools. The following responsible gaming tools are available to all hm99 users:
8.3 If you are concerned about your gambling behaviour or that of someone you know, hm99 strongly encourages you to seek independent advice and support. Please visit our dedicated Responsible Gaming page for further resources and guidance.
8.4 hm99 will not knowingly accept wagers from, or process withdrawals to, any individual who has self-excluded from the platform. Players who have self-excluded are prohibited from attempting to circumvent their exclusion by opening a new account, and any such account will be immediately terminated upon detection.
9.1 All content on the hm99 platform, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, game software, and the overall platform design and architecture, is the exclusive property of hm99 or its content licensors and is protected by applicable intellectual property laws.
9.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the hm99 platform for your personal, non-commercial entertainment purposes only. This licence does not include any right to reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content from the hm99 platform without hm99's express prior written consent.
9.3 The hm99 name, logo, and all related product and service names, design marks, and slogans are trademarks or service marks of hm99. You may not use any of hm99's trademarks or service marks without hm99's express prior written consent.
10.1 To the maximum extent permitted by applicable law, hm99 shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or any other intangible losses, arising out of or in connection with your use of or inability to use the hm99 platform.
10.2 hm99's total aggregate liability to you in respect of all claims arising out of or in connection with these Terms shall not exceed the total net deposits made by you to the hm99 platform in the thirty (30) days immediately preceding the event giving rise to the relevant claim.
10.3 hm99 does not warrant that the platform will be uninterrupted, error-free, or free from viruses or other harmful components. hm99 reserves the right to suspend, withdraw, or restrict the availability of all or any part of the platform for business or operational reasons at any time without notice.
10.4 Nothing in these Terms shall exclude or limit hm99's liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.
11.1 By hm99. hm99 reserves the right to suspend or permanently terminate your account, with or without prior notice, in the following circumstances:
11.2 By You. You may close your hm99 account at any time by contacting hm99 support via the live chat facility. Prior to account closure, any remaining eligible balance will be paid out to your registered withdrawal method, subject to completion of any outstanding KYC verification requirements and compliance with applicable withdrawal conditions.
11.3 Effect of Termination. Upon termination of your account, your right to use the hm99 platform will immediately cease. Any provisions of these Terms that by their nature should survive termination shall continue in full force and effect.
12.1 If you have a complaint or dispute regarding any aspect of the hm99 platform, you should first attempt to resolve the matter by contacting hm99 customer support through the live chat facility available on the platform 24 hours a day, 7 days a week.
12.2 hm99 aims to acknowledge all formal complaints within 48 hours and to resolve all complaints within 14 business days. Where a complaint cannot be resolved within this timeframe, hm99 will communicate the reason for the delay and provide an estimated resolution date.
12.3 Escalation. In the event that a dispute cannot be resolved through hm99's internal complaints process, you may escalate your complaint to the relevant dispute resolution body designated under hm99's international gaming licence. Details of the applicable dispute resolution process are available upon request from the hm99 support team.
12.4 All disputes relating to the outcome of any game or bet must be raised with hm99 within seven (7) days of the relevant game or bet being settled. hm99 will not investigate any disputes raised after this period has expired.
13.1 hm99 reserves the right to amend, update, or replace any part of these Terms at any time and at its sole discretion. Any amendments will be effective immediately upon publication on the hm99 platform unless otherwise specified.
13.2 Where hm99 considers an amendment to be material, hm99 will use reasonable efforts to notify registered users via the email address or account notification system on record. It is your responsibility to ensure that your registered email address is current and accurate so that you receive such notifications.
13.3 Your continued use of the hm99 platform following notification or publication of any amendment to these Terms constitutes your unconditional acceptance of the revised Terms. If you do not agree to any amendment, you must immediately cease using the platform and, if applicable, close your account.
14.1 These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the jurisdiction in which hm99 holds its international gaming licence.
14.2 Both parties agree to submit to the exclusive jurisdiction of the courts of the relevant licensing jurisdiction for the purposes of resolving any legal dispute arising under or in connection with these Terms, subject to the dispute resolution process set out in Section 12 above.
14.3 If any provision of these Terms is held to be invalid, illegal, or unenforceable in any respect, that provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions of these Terms shall continue in full force and effect.
14.4 The failure of either party to enforce any provision of these Terms shall not constitute a waiver of that party's right to subsequently enforce such provision.
Questions About These Terms? If you have any questions about these Terms and Conditions, please contact the hm99 support team via the live chat facility on the platform, available 24 hours a day, 7 days a week. Our support team aims to respond to all live chat inquiries within 3–5 minutes. You may also reach us at [email protected] (plain text — do not send to this address via automated systems).
hm99 operates under an internationally recognised gaming licence with enforceable obligations covering game fairness, player fund protection, KYC compliance, and anti-money-laundering procedures. Your rights as a player are backed by a regulatory framework, not just a brand promise.
All data transmitted through the hm99 platform is protected by 256-bit SSL encryption. Your personal and financial information is handled in accordance with hm99's Privacy Policy, which complies with applicable data protection requirements under hm99's international licensing framework.
hm99 commits to processing all eligible withdrawal requests promptly, with standard accounts processed within 5–15 minutes and VIP Gold members within 5 minutes under normal conditions. Withdrawal terms are transparent, with no hidden fees or unreasonable wagering requirements applied to genuine deposits.
Every casino game in the hm99 library operates on certified RNG software or live dealer format with physical shuffling. Game outcomes are independently tested and audited under hm99's licensing obligations. No game result on the hm99 platform is manipulated or pre-determined by the platform operator.
Deposit limits, session timers, cool-off periods, and self-exclusion are available to all registered hm99 users at any time. hm 99 is committed to promoting responsible gaming and providing players with the tools they need to manage their gaming activity safely.
The hm99 support team is available 24 hours a day, 7 days a week via live chat, Messenger, and Viber. Average live chat response time is 3–5 minutes. VIP Gold members and above have access to dedicated account managers for direct escalation of any account or gaming issues.
By using hm99, you agree to these Terms & Conditions and play under the protection of an internationally licensed and regulated platform. Log in to access live casino, slots, and PSL cricket betting. 21+ only. Please play responsibly.
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