hbaj Terms & Conditions — Platform Rules and Player Agreement

Introduction

hbaj ("we", "us", "our", "the Platform") operates an online betting and casino service accessible at hbaj.lat. The platform provides sports betting, live casino, slot games, and related services to eligible adult players. These Terms & Conditions ("Terms") set out the rules and obligations that govern your access to and use of the hbaj platform.

By registering an account, making a deposit, placing a wager, or otherwise accessing any part of the hbaj platform, you confirm that you have read these Terms in full, that you understand them, and that you agree to be legally bound by them. These Terms should be read in conjunction with the hbaj Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and hbaj.

hbaj reserves the right to amend, update, or replace these Terms at any time. Continued use of the platform following the publication of revised Terms constitutes your acceptance of those changes. It is your responsibility to review these Terms periodically to remain informed of any updates.

Eligibility

Use of the hbaj platform is strictly limited to individuals who meet all of the following eligibility criteria:

• Age: You must be 21 years of age or older. hbaj does not permit any person under the age of 21 to register, deposit, wager, or access any real-money feature of the platform.
• Jurisdiction: You must be accessing hbaj from a jurisdiction where online betting and casino services are not expressly prohibited by applicable law. It is your sole responsibility to determine the legality of online gambling in your jurisdiction before registering.
• Capacity: You must have the legal capacity to enter into a binding contract under the laws applicable to you.
• Self-exclusion status: You must not be subject to any self-exclusion order, voluntary or mandatory, that prohibits you from using online gambling services.
• Identity: You must be acting as yourself, not as an agent or representative of any third party, and not using another person's payment method or identity.

Account Registration

Each individual player is permitted to hold exactly one hbaj account. The registration of duplicate, secondary, or linked accounts by the same person is strictly prohibited. hbaj uses technical and manual verification processes to identify duplicate accounts and will close any additional accounts discovered, with or without notice.

3.1 Registration Information

When registering an hbaj account, you must provide accurate, current, and complete information including your full legal name, date of birth, contact details, and any other information reasonably requested by hbaj for identity verification purposes. You must update your account information promptly if any details change.

3.2 KYC Verification

hbaj reserves the right to request identity verification documents at any time, including but not limited to a government-issued photo ID (National Identity Card, passport, or driving licence), proof of address, and proof of payment method ownership. Withdrawal requests will not be processed until KYC verification is satisfactorily completed. Failure to provide requested documentation within a reasonable period may result in account restriction or closure.

3.3 Account Accuracy

You are responsible for ensuring that all information associated with your hbaj account is accurate at all times. hbaj accepts no liability for losses arising from inaccurate account information provided by you, including failure to receive important account notifications due to an incorrect email address or mobile number on file.

Account Security

You are solely responsible for maintaining the confidentiality and security of your hbaj account credentials, including your username, password, and any two-factor authentication codes associated with your account. You must not share your login details with any other person under any circumstances.

• You must notify hbaj immediately at [email protected] if you suspect any unauthorised access to your account or any breach of your account security.
• hbaj will not be liable for any losses incurred as a result of unauthorised account access where such access resulted from your failure to maintain adequate security over your credentials.
• hbaj strongly recommends enabling two-factor authentication (2FA) via SMS for all accounts. 2FA can be activated from your Account Settings page.
• You must not access another player's account under any circumstances. Doing so constitutes fraud and will result in permanent account closure and potential reporting to relevant authorities.

Deposits & Payments

hbaj accepts deposits via the following payment methods available to players in Bangladesh: bKash, Nagad, Rocket (Dutch-Bangla Bank), Upay, City Bank, BRAC Bank, Dutch-Bangla Bank direct transfer, Islami Bank, Sonali Bank, Visa, and Mastercard. The availability of specific payment methods may vary and is subject to change without notice.

5.1 Deposit Requirements

• All deposits must be made using a payment method registered in your own name. Third-party deposits are strictly prohibited.
• Minimum deposit amounts vary by payment method and are displayed at the cashier. The standard minimum deposit via bKash and Nagad is ৳200.
• hbaj does not charge fees on deposits, though your payment provider may apply its own transaction charges.
• Deposits are credited to your hbaj account balance in real time or within a few seconds, subject to payment provider processing times.
• hbaj reserves the right to request verification of the deposit method used before crediting funds or processing withdrawals.

5.2 Currency

The primary account currency on hbaj is Bangladeshi Taka (BDT). All balances, wagers, bonuses, and withdrawals are denominated in BDT unless otherwise specified. Currency conversion rates, where applicable, are set by hbaj and may include a conversion margin.

Withdrawals

hbaj aims to process withdrawal requests from verified accounts within 15 to 30 minutes for bKash and Nagad, and within one to three business days for bank transfer methods. Processing times are targets and not guarantees — delays may occur during high-volume periods, public holidays, or where additional verification is required.

6.1 Withdrawal Conditions

• KYC verification must be fully completed before any withdrawal is processed.
• Withdrawals must be made to the same payment method used for the most recent deposit, unless hbaj expressly approves an alternative withdrawal method.
• The minimum withdrawal amount is ৳500. There is no maximum withdrawal limit for verified accounts, though hbaj reserves the right to apply daily or weekly limits at its discretion.
• Bonus funds and winnings derived from bonus play may be subject to wagering requirements before they become eligible for withdrawal. Full wagering terms are published on the relevant bonus promotion page.
• hbaj reserves the right to conduct additional security checks on any withdrawal request before processing it, including requesting documentary evidence of the source of funds.

6.2 Withdrawal Refusal

hbaj reserves the right to refuse or delay any withdrawal request where there is a reasonable suspicion of fraudulent activity, breach of these Terms, money laundering, or where the account verification process has not been completed to hbaj's satisfaction. In such cases, hbaj will contact you at the email address registered on your account to request any additional information required.

Bonuses & Promotions

hbaj offers a range of bonuses and promotional offers to eligible players from time to time. All bonuses are subject to the specific terms published on the relevant promotion page, in addition to the general bonus conditions set out in this section.

• Eligibility: Bonuses are available to eligible registered players only. hbaj reserves the right to exclude any player from any promotion at its sole discretion.
• Wagering requirements: Most bonuses carry a wagering requirement (rollover) that must be met before bonus-derived winnings can be withdrawn. Wagering requirements vary by promotion and are stated clearly on each offer page.
• One bonus per player: Players may not hold more than one welcome bonus or claim the same promotion multiple times. Attempting to do so constitutes abuse and may result in bonus cancellation and account review.
• Bonus abuse: hbaj employs automated and manual systems to detect bonus abuse, including low-risk hedging strategies and systematic arbitrage. Accounts found to be engaging in bonus abuse will have bonuses forfeited and may be permanently closed.
• Expiry: All bonuses have an expiry period stated on the promotion page. Bonus funds not used within the stated period will be automatically removed from the account balance.
• Modification: hbaj reserves the right to modify, suspend, or cancel any promotion at any time without prior notice.

Betting Rules

All sports bets placed on hbaj are governed by the specific sport and market rules published in the hbaj Sportsbook Rules section of the platform, as well as the general betting conditions below.

8.1 General Betting Conditions

• Bets are accepted at the odds displayed at the time of placement. Odds are subject to change at any time up to the point of bet confirmation.
• A bet is only considered valid once you have received a confirmed bet reference number and the bet appears in your account's bet history.
• hbaj reserves the right to void any bet placed in error, including bets placed at manifestly incorrect odds due to technical error or human error.
• In-play (live) bets are subject to a brief acceptance delay. hbaj is not responsible for bets placed after an event's conclusion due to connectivity issues on your end.
• Maximum stake limits apply per market and per event. These are displayed at the point of bet placement.
• hbaj reserves the right to limit the maximum payout on any individual bet or combination of bets at its discretion.

8.2 Cricket Betting

Cricket betting on hbaj covers BPL, IPL, T20 World Cup, ICC events, bilateral series, and domestic competitions. Match and session betting markets follow standard international cricket betting conventions. In the event of a match abandonment or no result, hbaj's specific abandonment rules apply — these are published in the Cricket Betting Rules section of the platform and take precedence over general sports rules for cricket markets.

Casino Games

All casino games available on hbaj — including live casino tables operated by Evolution Gaming and Ezugi, and video slots provided by Pragmatic Play, NetEnt, Microgaming, and Spribe — use certified Random Number Generator (RNG) technology audited by independent testing laboratories. Game outcomes are determined solely by the certified RNG and are not influenced by hbaj or any third party.

• Live casino game outcomes are determined by physical equipment (cards, roulette wheels, game show mechanics) operated by trained live dealers in a monitored studio environment.
• In the event of a disconnection during a casino game round, the game will continue to its natural conclusion based on the state at the time of disconnection. Completed game results are final.
• hbaj is not responsible for game interruptions caused by factors outside its control, including your internet connectivity, device performance, or third-party game provider outages.
• Where a technical fault affects the outcome of a game round, hbaj reserves the right to void the affected round and refund the wager to your account balance.

Prohibited Conduct

The following activities are strictly prohibited on the hbaj platform. Engaging in any of the conduct listed below may result in immediate account suspension or permanent closure, forfeiture of funds, and reporting to relevant law enforcement or financial intelligence authorities:

• Registering more than one account or using another person's identity to register an account.
• Providing false, misleading, or incomplete information during registration or KYC verification.
• Using the hbaj platform for any form of money laundering, fraud, or financial crime.
• Colluding with other players to manipulate game or betting outcomes.
• Using automated software, bots, scripts, or artificial intelligence tools to place bets or interact with the platform in a non-human manner.
• Exploiting errors, glitches, or technical vulnerabilities in the platform for financial gain.
• Engaging in systematic arbitrage or guaranteed-profit strategies designed to exploit hbaj's bonus or odds structures.
• Attempting to reverse, charge back, or dispute a deposit after funds have been used for wagering.
• Using VPN, proxy, or anonymisation services to circumvent jurisdiction restrictions or account-level restrictions applied by hbaj.
• Accessing the platform if you are subject to a self-exclusion order or have previously been permanently closed from hbaj.

Account Closure

11.1 Closure by the Player

You may request closure of your hbaj account at any time by contacting the support team at [email protected]. Before your account is closed, any remaining balance (net of any pending bonus wagering requirements) will be returned to your registered payment method following the standard withdrawal process.

11.2 Closure by hbaj

hbaj reserves the right to suspend, restrict, or permanently close any account at any time, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Suspected fraudulent activity, money laundering, or other financial crime.
• Failure to complete KYC verification within a reasonable period.
• Duplicate account registration.
• Provision of false or misleading registration information.
• Any conduct that hbaj reasonably believes to be harmful to the platform, other players, or the integrity of the services offered.

Where an account is closed by hbaj due to a breach of these Terms, hbaj reserves the right to withhold the account balance pending investigation. If the investigation confirms a breach, the balance may be forfeited in whole or in part.

Responsible Gaming

hbaj is committed to promoting responsible gaming practices. We provide a suite of tools to help players manage their gambling activity, including deposit limits, session time reminders, cool-off periods, and a full self-exclusion facility. These tools are accessible from the Responsible Gaming section of your Account Settings at any time.

hbaj strictly enforces its 21+ policy. If you believe that your gambling activity is causing harm to yourself or others, or if gambling is no longer a form of entertainment for you, we strongly encourage you to use the self-exclusion tool or contact our support team immediately at [email protected]. Our support agents are trained to assist with responsible gaming concerns. You can read more about the tools available on the Responsible Gaming page.

Intellectual Property

All content on the hbaj platform — including but not limited to the hbaj brand name, logo, website design, graphics, text, software, game interfaces, and promotional materials — is the exclusive intellectual property of hbaj or its licensed third-party providers. No content from the hbaj platform may be copied, reproduced, distributed, republished, displayed, or transmitted in any form without the prior written consent of hbaj.

Game content provided by third-party studios including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Ezugi, and Spribe remains the intellectual property of those respective studios and is subject to their licensing terms. hbaj grants you a limited, non-exclusive, non-transferable licence to access and use the platform for personal entertainment purposes only.

Limitation of Liability

To the fullest extent permitted by applicable law, hbaj shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the platform, including but not limited to:

• Losses arising from betting or casino game outcomes.
• Loss of data or account access resulting from your failure to maintain account security.
• Platform downtime, technical errors, or service interruptions outside hbaj's reasonable control.
• Delays in payment processing caused by third-party payment providers.
• Any reliance on information, odds, or statistics displayed on the platform.

hbaj's total aggregate liability to you in respect of any claim arising under or in connection with these Terms shall not exceed the total amount deposited by you to your hbaj account in the 30 days preceding the event giving rise to the claim.

Changes to Terms

hbaj reserves the right to amend these Terms & Conditions at any time. Where changes are material, hbaj will endeavour to provide reasonable notice by posting a notice on the platform or by sending an email to the address registered on your account. However, it remains your responsibility to review these Terms periodically. The date of the most recent revision is displayed at the top of this page and in the Table of Contents sidebar. Your continued use of the hbaj platform following any changes to these Terms constitutes your acceptance of the revised Terms.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which hbaj is incorporated and operates as an international online betting platform. Any disputes arising under these Terms that cannot be resolved through hbaj's internal complaints procedure will be referred to binding arbitration in accordance with the rules of a mutually agreed arbitration body.

Nothing in this clause limits your statutory rights as a consumer under the laws of your country of residence. Players accessing hbaj from Bangladesh acknowledge that it is their responsibility to ensure compliance with applicable local laws regarding online gambling.

Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions or any aspect of the hbaj platform, please contact our support team. Our agents are available 24 hours a day, seven days a week, every day of the year.

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available directly within the hbaj platform after logging in to your account.
• Response time: Email queries are typically responded to within two hours. Live chat average response time is under two minutes.

For responsible gaming concerns specifically, please reference our Responsible Gaming page for the full list of tools and support options available to you.