Terms & Conditions — 12bank Platform Agreement

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

• "12bank" / "the Platform" refers to the online casino and sports betting service operated under the domain 12bank.bio and any associated mobile-optimised interfaces.
• "Player" / "Account Holder" means any individual who has successfully registered a 12bank account and been verified as meeting the eligibility criteria set out in Section 3.
• "Account Balance" means the total of deposited funds plus any credited bonus amounts, less any wagers placed and withdrawals processed, held in a Player's 12bank account at any given time.
• "Real Money Balance" means the portion of the Account Balance comprising actual deposited funds, excluding bonus funds that remain subject to wagering requirements.
• "Bonus Funds" means any promotional credits, welcome bonuses, reload bonuses, cashback amounts, or other incentives credited to a Player's account by 12bank subject to applicable wagering requirements and bonus terms.
• "Wager" / "Bet" means a stake placed by a Player on any sporting event, casino game, or other gambling activity offered through the 12bank platform.
• "Settlement" means the process by which the outcome of a Wager is determined and the corresponding funds are credited or debited from the Player's Account Balance.
• "KYC" (Know Your Customer) refers to the identity and age verification process that 12bank may require Players to complete, involving submission of valid identity documents.
• "BDT" / "৳" refers to the Bangladeshi Taka, the currency in which all 12bank account balances, deposits, withdrawals, and wagers are denominated.
• "Payment Methods" refers to the approved deposit and withdrawal channels available on 12bank, including but not limited to bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, and BRAC Bank.

By accessing the 12bank website, creating a 12bank account, making a deposit, placing a wager, or using any feature of the 12bank platform, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety, including any documents incorporated by reference — specifically the 12bank Privacy Policy and the Responsible Gaming Policy.

These Terms and Conditions are available in full on the 12bank website at all times. It is your responsibility to review the current version before using 12bank services. If we make material amendments, we will notify active account holders by the contact method provided at registration. Continued use of the 12bank platform after notification of amendments constitutes acceptance of the revised terms.

If you are accessing 12bank on behalf of another person or as a representative of any organisation, you warrant that you have the authority to bind that person or organisation to these terms. 12bank does not permit account sharing, proxy play, or the use of another person's account under any circumstances.

To be eligible to register and maintain a 12bank account, you must satisfy all of the following conditions at the time of registration and on a continuing basis throughout your use of the platform:

• You are at least 18 years of age or the legal age of majority in your jurisdiction, whichever is higher.
• You are accessing 12bank services for your own personal, recreational use and not on behalf of any third party.
• You are not acting as an agent, employee, officer, or representative of any competitor platform, data aggregator, or gaming intelligence service.
• You do not have an existing 12bank account that has been suspended, closed for cause, or subject to a self-exclusion order.
• You are not on any self-exclusion register or subject to any court order, regulatory direction, or voluntary agreement that prohibits you from gambling.
• You have full legal capacity to enter into a binding agreement and are not under any legal disability that would prevent you from doing so.

12bank reserves the right to refuse registration or suspend an existing account if we have reasonable grounds to believe that any of the above eligibility conditions are not, or are no longer, met. Such refusal or suspension does not give rise to any claim for compensation or damages against 12bank.

Each individual may hold only one registered account on the 12bank platform. The creation of duplicate or multiple accounts by the same person — whether using different names, email addresses, phone numbers, payment methods, or devices — is strictly prohibited and may result in the permanent closure of all associated accounts and the forfeiture of any balances held therein.

When registering, you are required to provide accurate, complete, and current information including your full legal name, date of birth, residential address, and a valid contact phone number. You agree to promptly update your account details if any of this information changes. 12bank accepts no liability for losses arising from inaccurate or outdated account information provided by the Player.

12bank operates a Know Your Customer (KYC) verification process. At any point — including at registration, before processing a withdrawal, or in response to unusual account activity — we may request that you submit one or more of the following documents:

• A valid government-issued photo identity document (National ID card, passport, or driving licence).
• Proof of residential address dated within the last three months (utility bill, bank statement, or official correspondence).
• Proof of ownership of the payment method used to deposit (screenshot or statement from the bKash, Nagad, or Rocket account).
• A selfie photograph holding the identity document, if requested by the compliance team.

Failure to provide requested KYC documents within 14 calendar days of the request being made may result in the suspension of account functionality, including the inability to place wagers or process withdrawals, until verification is completed. 12bank processes all KYC documents securely and in accordance with the Privacy Policy.

You are solely responsible for maintaining the confidentiality of your 12bank login credentials. You must not disclose your username, password, or one-time passcode to any third party. Any activity conducted through your account while your credentials are active is deemed to be authorised by you. If you suspect unauthorised access to your account, you must notify 12bank support immediately at [email protected].

12bank accepts deposits and processes withdrawals exclusively through the approved payment methods listed on the platform at the time of the transaction. Current approved methods include bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, and Islami Bank. 12bank reserves the right to add or remove payment methods at its discretion with reasonable notice to players.

Deposits: The minimum single deposit amount is ৳500. Deposits made via bKash, Nagad, Rocket, and Upay are processed instantly in normal circumstances. Bank transfer deposits may take up to two business hours to reflect in your account balance. 12bank does not charge a platform fee for standard deposits, though your payment provider may apply their own transaction charges.

Withdrawals: The minimum single withdrawal amount is ৳1,000. Withdrawals are processed to the same payment method used for the most recent qualifying deposit, subject to KYC verification being complete. Standard withdrawal processing time for verified accounts is 15 to 30 minutes for mobile wallet methods (bKash, Nagad, Rocket, Upay) and up to two business days for bank transfers.

• Withdrawals will not be processed to a payment account that is not registered in the Player's own name.
• 12bank reserves the right to request additional verification before processing withdrawals above ৳50,000 in a single transaction or ৳200,000 in aggregate within a calendar month.
• Funds that have been credited as Bonus Funds remain subject to applicable wagering requirements and may not be withdrawn until those requirements are satisfied.
• 12bank is not responsible for delays caused by the Player's payment provider, banking system outages, or public holidays affecting bank processing.

All account balances and transactions are denominated in Bangladeshi Taka (BDT / ৳). 12bank does not accept deposits in foreign currencies. Any currency conversion is the sole responsibility of the Player and their financial institution.

12bank offers a range of promotional incentives to both new and existing players, including welcome deposit bonuses, reload bonuses, cashback offers, and seasonal promotions. All bonuses and promotions are subject to the specific terms published alongside each offer, as well as the general bonus conditions set out in this section. In the event of any conflict between offer-specific terms and these general terms, the offer-specific terms shall prevail.

Welcome Bonus: New players who register a 12bank account and make their first qualifying deposit are eligible to receive a 100% match bonus up to ৳20,000. The bonus is credited to the Player's Bonus Balance upon deposit settlement. The welcome bonus is available once per Player, per household address, per device, and per payment method. 12bank reserves the right to decline a welcome bonus claim if it determines that the eligibility conditions have not been genuinely met.

Wagering Requirements: Unless otherwise stated in the specific offer terms, all Bonus Funds are subject to a wagering requirement of 30x the bonus amount before any portion of the Bonus Balance may be converted to Real Money Balance or withdrawn. Wagering requirements must be completed within 30 calendar days of the bonus being credited. Any unused Bonus Funds remaining at the expiry of this period will be forfeited without compensation.

• Contribution rates toward wagering requirements vary by game type: slots typically contribute 100%, while live casino games may contribute a lower percentage as specified in the individual bonus terms.
• Maximum bet per spin or per wager while Bonus Funds remain active is ৳500, unless the offer-specific terms state otherwise. Bets exceeding this limit while a bonus is active may result in the forfeiture of all Bonus Funds and associated winnings.
• 12bank reserves the right to amend, suspend, or withdraw any promotional offer at any time without prior notice. Players with active bonus balances will be given reasonable notice before any material change takes effect.
• Bonuses are intended for personal recreational use only. Systematic exploitation of promotional offers, including through coordinated play, arbitrage strategies, or the use of automated betting systems, constitutes a breach of these terms and will result in account suspension.

All bets and wagers placed on the 12bank platform are governed by the specific rules applicable to the relevant sport, event, or game type, as published in the rules section of the platform. Players are responsible for familiarising themselves with these rules before placing wagers. 12bank reserves the right to void any bet placed in error, placed on an event already in progress where live betting is not offered, or placed at odds that were manifestly incorrect due to a technical error.

Sports Betting: Pre-match and live in-play bets are available on cricket, football, kabaddi, and other sporting events as listed on the platform. Minimum bet amount is ৳50. Maximum bet amounts vary by market and event and are displayed at the time of bet placement. 12bank reserves the right to limit bet amounts for any Player or on any market at its sole discretion.

Casino Games: All casino games offered on the 12bank platform, including live dealer games, slots, and specialty games, use certified random number generation (RNG) technology or live dealer mechanics to determine outcomes. Return-to-Player (RTP) percentages are as published by the game provider and are available on request.

• It is the Player's responsibility to ensure they understand the rules and odds of any game before placing a wager.
• In the event of a disputed outcome, 12bank's records and the game provider's server logs shall be the definitive source of truth. Manual complaints must be submitted to [email protected] within 72 hours of the disputed event.
• Technical malfunctions during a game session void all affected bets, and stakes are returned to the Player's account. 12bank is not liable for losses resulting from network disconnection on the Player's side.
• 12bank reserves the right to suspend any game or market temporarily for maintenance, integrity review, or regulatory compliance without prior notice.

The following conduct is strictly prohibited on the 12bank platform. Any Player found to be engaging in prohibited conduct, or suspected of doing so on the basis of reasonable evidence, is subject to immediate account suspension, forfeiture of account balance, and permanent ban from the platform:

• Fraudulent deposits or chargebacks: Initiating a chargeback, reversal, or dispute with a payment provider for funds already wagered on or withdrawn from 12bank.
• Identity fraud: Registering an account using false personal information, using another person's identity, or impersonating any individual or entity.
• Collusion: Cooperating with other players to gain an unfair advantage in any game, including but not limited to chip dumping in poker variants or coordinated in-play betting.
• Bonus abuse: Creating multiple accounts to claim bonuses repeatedly, using technical exploits to circumvent wagering requirements, or any systematic strategy designed to extract bonus value without genuine recreational play.
• Automated betting: Using bots, scripts, macros, or any automated software to place bets, collect data, or otherwise interact with the 12bank platform without explicit written authorisation from 12bank management.
• Money laundering: Using the 12bank platform to deposit, transfer, or withdraw funds for the purpose of concealing or legitimising proceeds of criminal activity. 12bank cooperates fully with law enforcement agencies and will report suspicious transactions without notice to the account holder.
• Harassment: Engaging in abusive, threatening, or harassing communication toward 12bank support staff or other players through any channel associated with the 12bank platform.
• Scraping or data extraction: Using any automated tool to extract data, odds, or content from the 12bank platform for commercial or competitive purposes.

12bank reserves the right to suspend, restrict, or permanently close any player account at its sole discretion, with or without prior notice, in any of the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Failure to complete KYC verification within the required timeframe.
• Reasonable suspicion of fraudulent activity, money laundering, or other prohibited conduct.
• Determination that the Player is under 18 years of age or otherwise ineligible under Section 3.
• Receipt of a self-exclusion request from the Player under the Responsible Gaming Policy.
• Direction from a law enforcement agency, regulatory body, or court of competent jurisdiction.
• Extended account inactivity exceeding 12 consecutive months without any login, deposit, or wager activity.

Upon closure of an account for reasons other than fraud or prohibited conduct, any Real Money Balance remaining in the account will be returned to the Player via their verified payment method within a reasonable timeframe, typically 5 to 10 business days. Bonus Funds are forfeited upon account closure regardless of the reason. If an account is closed due to breach of these terms or fraudulent conduct, 12bank reserves the right to forfeit all balances and retain them as liquidated damages.

Players who wish to voluntarily close their account may do so by contacting [email protected]. A cooling-off period of 24 hours applies to voluntary closure requests to allow for reconsideration. Self-exclusion requests under the Responsible Gaming Policy are processed immediately and are not subject to the cooling-off period.

12bank is committed to promoting responsible gambling among all players. We recognise that gambling can become problematic for some individuals, and we provide a range of tools to help players manage their activity. These tools are available to all registered players via the account settings dashboard and include:

• Deposit limits: Daily, weekly, and monthly deposit caps that restrict the total amount a Player can deposit within the selected period.
• Loss limits: Configurable thresholds that prevent further play once a specified amount has been lost within a set timeframe.
• Session time limits: Automatic reminders and hard cut-offs that end gaming sessions after a defined period of continuous play.
• Self-exclusion: A permanent or time-limited exclusion from the 12bank platform, processed immediately upon request. Players who self-exclude will not receive any marketing communications for the duration of the exclusion period.
• Reality checks: On-screen notifications at regular intervals informing the Player of the time elapsed and net win/loss position during the current session.

If you are concerned that your gambling is causing harm to yourself or others, we strongly encourage you to use these tools and to seek independent support. 12bank supports the principle that gambling should remain an enjoyable recreational activity, and we take our duty of care toward all account holders seriously. For further information, visit our Responsible Gaming page.

All content on the 12bank platform, including but not limited to software, source code, databases, text, graphics, logos, icons, images, audio clips, game interfaces, and the overall look and feel of the website and any associated mobile interface, is the property of 12bank or its content and game providers and is protected by applicable intellectual property laws.

Players are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the 12bank platform solely for personal, recreational gambling purposes in accordance with these Terms and Conditions. This licence does not include any right to:

• Reproduce, copy, distribute, or publicly display any 12bank content.
• Reverse engineer, decompile, or disassemble any software or code used in the platform.
• Create derivative works based on 12bank content or branding.
• Use 12bank trademarks, logos, or brand identifiers without prior written authorisation.

Any unauthorised use of 12bank intellectual property constitutes a material breach of these terms and may give rise to civil liability and criminal prosecution under applicable law.

To the fullest extent permitted by applicable law, 12bank excludes all liability for any loss or damage — whether direct, indirect, consequential, special, or punitive — arising out of or in connection with your use of the platform, including but not limited to:

• Financial losses sustained through gambling activity on the platform.
• Loss of account data or account access due to events outside 12bank's reasonable control.
• Service interruptions, technical failures, server downtime, or network connectivity issues.
• Errors in odds display or game outcome display that are corrected prior to settlement.
• Delays in deposit crediting or withdrawal processing caused by third-party payment providers.
• Unauthorised access to a Player's account resulting from the Player's failure to maintain credential security.

Nothing in these Terms and Conditions excludes or limits 12bank's liability for fraud, fraudulent misrepresentation, death, or personal injury caused by negligence, to the extent that such exclusion or limitation is prohibited by law. In all other cases, 12bank's total aggregate liability to any individual Player in respect of any claim shall not exceed the total amount deposited by that Player in the 30-day period immediately preceding the event giving rise to the claim.

12bank collects, stores, and processes personal data in accordance with its Privacy Policy, which is incorporated into these Terms and Conditions by reference. By registering an account, you consent to the collection and use of your personal data as described in the Privacy Policy.

Key principles of 12bank's data handling include:

• Personal data is collected only for legitimate purposes directly related to the provision of 12bank services, KYC compliance, fraud prevention, and responsible gaming obligations.
• All data is transmitted over SSL-encrypted connections. Stored data is protected by industry-standard security measures.
• 12bank will not sell, rent, or share your personal data with unaffiliated third parties for marketing purposes without your explicit consent.
• Data may be shared with regulated third parties where required by law, court order, or in the context of a fraud or money laundering investigation.

For full details of how 12bank handles your personal data, including your rights of access, correction, and deletion, please refer to the Privacy Policy.

12bank reserves the right to amend, update, or replace these Terms and Conditions at any time. When material changes are made, we will notify active account holders via the contact details registered on their account and publish the updated terms on the platform with a revised effective date. The most current version of these Terms and Conditions is always available at 12bank.bio/terms-conditions.

If you do not agree with any amendment, you must stop using the 12bank platform and may request account closure by contacting [email protected]. Continued use of the platform following notification of changes constitutes your acceptance of the revised Terms and Conditions.

Minor amendments — such as clarifications of existing provisions, corrections of typographical errors, or updates to reflect changes in payment method availability — may be made without individual notification. Such changes will be indicated by an updated version number and effective date at the head of this document.

These Terms and Conditions represent the entire agreement between you and 12bank with respect to your use of the platform and supersede all prior agreements, representations, and understandings, whether written or oral, relating to the same subject matter.

If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable by a court or other competent authority, that provision shall be severed from the remainder of the agreement, which shall continue in full force and effect.

Dispute Resolution: In the event of any dispute arising out of your use of the 12bank platform or these Terms and Conditions, you agree to first attempt resolution by contacting the 12bank support team at [email protected] with full details of your complaint. 12bank will acknowledge your complaint within 48 hours and endeavour to provide a substantive response within 7 business days. If the matter cannot be resolved through the internal complaints process, the parties agree to pursue resolution through good-faith negotiation before initiating any formal proceedings.

12bank operates as a digital platform serving the Bangladesh market. References to legal obligations, compliance standards, and player protection principles in these Terms and Conditions reflect 12bank's commitment to operating responsibly and fairly. 12bank does not make representations regarding the legality of online gambling in any specific jurisdiction — it is the Player's sole responsibility to ensure that their use of 12bank services complies with the laws applicable in their jurisdiction of residence.