Terms and Conditions
Zoya55 — Member Rights & Obligations

1Definitions and Scope

This Terms & Conditions document ("T&C") constitutes a legally binding agreement between you as the user ("Member" or "You") and zoya55 as the operator of the online casino platform accessible via zoya55.app.

By registering, logging into your account, or using any service provided by zoya55, you confirm that you have read, understood, and agreed to all terms in this document and all related policies referenced herein, including but not limited to:

• Privacy Policy zoya55
• Responsible Gaming Guide
• Specific terms and conditions applicable to each promotion and bonus

These T&Cs cover all services available on the zoya55 platform, including but not limited to: online slots, Live Casino, classic casino, tournaments, VIP program, and customer support services.

2Account Registration

To use paid services on zoya55, you are required to create an account by completing the designated registration process. Registration terms are as follows:

1. Minimum age: You must be at least 18 (eighteen) years of age at the time of registration. zoya55 does not permit anyone under the age of 18 to use its services in any capacity.
2. Accurate information: All data you provide during registration — including full name, date of birth, address, phone number, and account details — must be accurate, complete, and up to date. False or misleading information is grounds for account closure without prior notice.
3. One account per individual: Each person may only have one active account. Creating multiple accounts using the same, similar, or false identities is strictly prohibited and will result in all related accounts being frozen, all bonuses cancelled, and balances handled in accordance with our anti-fraud policy.
4. Identity verification (KYC): zoya55 reserves the right to request identity verification documents at any time, including but not limited to: national ID (KTP), driver's license, passport, or other supporting documents. The KYC process is conducted only once and is required to protect the security of your account.
5. Account security: You are solely responsible for keeping your account password confidential. zoya55 is not liable for any losses resulting from unauthorized access caused by your own failure to secure your login credentials.

3Deposits & Payments

Zoya55 accepts deposits via a variety of payment methods available in Indonesia, including local bank transfers (BCA, BNI, BRI, Mandiri, and others) as well as digital wallets (DANA, OVO, GoPay, ShopeePay). Deposit terms are as follows:

• Minimum deposit amount vary depending on the payment method selected. Full details are available on the Deposit.
• Deposit funds must come from a bank account or account registered in your own name. Deposits from third-party accounts are not accepted and will be returned minus applicable administrative fees.
• Balance credit process are generally completed within minutes after the transfer is confirmed. Delays beyond zoya55's control (e.g. banking system disruptions) are not our responsibility, however we will assist with manual confirmation if needed.
• Balance already credited to an account cannot be returned to the deposit method except through the official withdrawal process as outlined in section 4 below.
• Zoya55 reserves the right to verify the source of funds if there are indications of unusual activity before processing a deposit.

4Withdrawal

Eligible members may withdraw funds to any registered payment method at any time. zoya55 withdrawal terms are:

1. Withdrawal method must match the last deposit method used. If you deposited using a BCA account, the withdrawal must be made to the same BCA account.
2. Identity verification must be completed (KYC active) before the first withdrawal request can be processed. Once KYC is complete, subsequent withdrawal requests do not require re-verification.
3. Daily withdrawal limit vary according to your VIP level. Bronze members have standard limits, while Diamond members may request higher withdrawal amounts through negotiation with their account manager.
4. Withdrawals containing bonus balance that have not met the rollover requirements will automatically have the bonus balance deducted before the withdrawal is processed.
5. Zoya55 reserves the right to delay or reject withdrawal requests if there are indications of fraud, T&C violations, or if identity verification is incomplete.
6. Processing time average withdrawal takes under 10 minutes for e-wallets and up to 1×24 hours for bank transfers, depending on the method and member's VIP level.

5Bonuses & Promotions

Zoya55 offers a variety of bonus types to members, including deposit bonuses, weekly cashback, free spins, and other special promotions. All bonuses are subject to the following terms:

• Rollover (turnover) requirements applies to all bonuses. You must meet the specified turnover target before bonus funds can be withdrawn. The specific rollover value for each bonus is listed on the promotion page or in the bonus notification you received.
• Claim deadline: Most bonuses have a claim time limit. Bonuses not claimed within the specified period will expire automatically.
• One bonus per promotion: Members may not claim the same bonus more than once unless explicitly stated in the promotion's terms.
• Bonuses cannot be combined unless otherwise stated in the applicable promotional terms.
• Zoya55 reserves the right to cancel bonuses and any winnings obtained from those bonuses if manipulation or abuse of the promotional system is proven.
• VIP Cashback calculated based on total weekly turnover according to VIP level. Full cashback details per level are available on the VIP.

6Game Rules

All games available at zoya55 are provided by licensed third-party providers. The gameplay terms are as follows:

• The outcome of every game is determined by Random Number Generator (RNG) certified by their respective providers. zoya55 has no technical capability to influence or manipulate game outcomes.
• In the event of technical disruption mid-game interruptions (connection drops, system errors), zoya55 will complete the round based on data stored in the system in accordance with the provider's policy. Placed and processed bets cannot be cancelled.
• Usage automated software (bots), scripts, or any tools intended to gain an unfair advantage from the system are strictly prohibited and constitute a serious violation.
• Collusion between members — including sharing card information, coordinating in multiplayer games to manipulate outcomes, or suspicious betting patterns — will be investigated and may result in account closure.
• Zoya55 reserves the right to cancel winnings obtained through exploitation of bugs or system vulnerabilities, and to restore the balance to its state prior to the incident.

7Account Closure and Suspension

A member's account may be closed or frozen under the following circumstances:

• Member request: You may close your account at any time through account settings or by contacting customer support. Any remaining balance (excluding bonus funds that have not met the rollover requirement) will be processed in accordance with standard withdrawal procedures.
• T&C Violations: zoya55 reserves the right to unilaterally freeze or close an account if any provision of this document is violated, including the use of false identities, fraud, or other prohibited activities.
• Regulatory requirement: If zoya55 receives instructions from a competent authority to freeze a specific account, we are obligated to comply with such instructions.
• Inactivity: An account with no transaction activity for 12 (twelve) consecutive months may be classified as inactive. Inactivity administration fees may apply in accordance with the terms in effect at that time.

8Privacy and Data Protection

Zoya55 is committed to protecting the privacy and personal data of members in line with industry best practices. The collection, storage, and use of your data is governed in detail within the Privacy Policy zoya55.

In brief, zoya55 uses 256-bit SSL encryption to protect all data transmissions between your device and our servers. Your personal data is not sold or shared with third parties for commercial purposes without your consent, except as required by applicable law.

9Responsible Gaming

Zoya55 is fully committed to the principles of responsible gaming. Our platform provides a range of tools you can use to manage your gaming activity in a healthy way, including deposit limits, session limits, and play break options (cool-off).

We affirm that zoya55's services are solely for entertainment purposes. If you feel that your gaming activity is beginning to interfere with your personal life, work, or finances, we strongly encourage you to use the available restriction features or contact professional counselling services.

Full information on responsible gaming features and support resources is available on the Responsible Gaming.

10Dispute Resolution

If you have a complaint or dispute regarding zoya55's services, we recommend the following resolution procedure:

1. Step one: Contact the zoya55 customer support team via live chat, available 24/7. Most issues can be resolved at this stage within a short time.
2. Formal escalation: If the issue is not resolved via live chat, you may submit a formal complaint through zoya55's support email. Formal complaints will be handled by the management team within 5 (five) business days.
3. Final decision: In the event of any discrepancy between your records and zoya55's server data, the data stored on zoya55's servers shall be considered the valid and binding record unless proven otherwise.

11Changes to Terms and Conditions

Zoya55 reserves the right to update, amend, or replace any part of this Terms and Conditions document at any time without any obligation to seek prior approval from members.

For material and significant changes, zoya55 will endeavour to notify members via platform notifications or their registered email at least 7 (seven) days before the changes take effect.

The last updated date is always shown at the top of this document. By continuing to use zoya55 services after the update date, you are deemed to have accepted the new version of the T&Cs.