zi88 Terms & Conditions —
Your Rights, Our Rules, Plain English

1 Definitions

In these Terms & Conditions, the following terms have the meanings set out below:

---

2 Acceptance of Terms

These Terms & Conditions ("Terms") constitute the entire legal agreement between you and zi88 in relation to your use of the Platform. By completing the zi88 registration process, logging in to your Account, or otherwise accessing or using the zi88 platform, you confirm your full and unconditional acceptance of these Terms as they stand at the time of your access.

These Terms should be read alongside zi88's Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and zi88. Where these Terms are silent on a matter addressed in the Privacy Policy or Responsible Gaming Policy, the relevant provisions of those documents apply.

If these Terms are translated into Urdu or any other language for informational purposes, the English version shall prevail in all cases of conflict or ambiguity.

---

3 Eligibility

In addition to the age requirement, you must meet all of the following eligibility criteria to hold and use a zi88 Account:

• You are a natural person (not a corporation, trust, or other legal entity);
• You are using the zi88 Platform on your own behalf and not on behalf of any third party;
• You have the legal capacity to enter into a binding contract in the jurisdiction from which you are accessing zi88;
• You are not accessing the zi88 Platform from a jurisdiction where online gambling is expressly prohibited by applicable law, to the extent that zi88 has blocked access from such jurisdictions;
• You have not previously been self-excluded from the zi88 Platform or had your Account permanently closed for breach of these Terms;
• You are not a current employee, contractor, or immediate family member of an employee or contractor of zi88 or its affiliated game providers, without prior written consent from zi88's management.

---

4 Account Registration

To access the full features of the zi88 Platform, you must register a zi88 Account. The registration process requires you to provide accurate, current, and complete information including your Pakistani mobile number, a valid password, and age confirmation. zi88 reserves the right to request additional identity verification documents at any point.

Each individual is permitted to hold only one (1) active zi88 Account. Registration of multiple accounts — whether using the same or different mobile numbers, Easypaisa wallets, JazzCash wallets, or bank accounts — is strictly prohibited. Where multiple accounts are identified as belonging to the same individual, zi88 reserves the right to close all such accounts and forfeit any associated PKR balances.

You must provide truthful information during registration. Providing false identity information, date of birth, or contact details constitutes a material breach of these Terms. zi88 may verify your information against third-party databases and Pakistani national identity records where applicable.

zi88 reserves the right to decline any Account registration request without being required to provide a reason for the refusal.

---

5 Account Security

You are solely responsible for maintaining the confidentiality and security of your zi88 Account login credentials, including your mobile number, password, and any Two-Factor Authentication (2FA) codes. You must not share your credentials with any other person or permit any other person to access your Account under any circumstances.

zi88 will never ask you to disclose your password via Live Chat, Telegram, WhatsApp, email, or any other communication channel. Any communication requesting your password should be treated as fraudulent and reported to zi88 support immediately.

You should log out of your zi88 Account after each session, particularly when accessing the Platform from a shared device. You should enable Two-Factor Authentication to add an additional layer of protection to your Account. zi88 recommends using a strong, unique password that you do not use for any other online account.

---

6 Deposits

All deposits to your zi88 Account are processed in Pakistani Rupees (PKR). zi88 accepts deposits via the following channels:

• Easypaisa — Minimum deposit: 500 PKR. Processed instantly.
• JazzCash — Minimum deposit: 500 PKR. Processed instantly.
• Bank Transfer (HBL, UBL, MCB, Allied Bank and other major Pakistani banks) — Minimum deposit: 2,000 PKR. Processing time: up to 15 minutes.
• PKR Debit Card (Visa / Mastercard issued by Pakistani banks) — Minimum deposit: 1,000 PKR.

zi88 does not charge any fees on deposits processed through the above channels. Third-party service fees imposed by Easypaisa, JazzCash, or your bank are outside zi88's control and are not reimbursed.

Deposited funds credited to your zi88 Account are available for wagering immediately upon confirmation. zi88 does not hold deposits on your behalf as a financial institution and the PKR balance in your Account is not covered by any deposit protection scheme.

---

7 Withdrawals

You may request a withdrawal of your available PKR balance to a payment method registered in your name at any time, subject to the following conditions:

• Your Account has passed identity verification;
• All applicable bonus wagering requirements on the funds you wish to withdraw have been met;
• The withdrawal amount meets the minimum threshold for your chosen payment method;
• There are no pending security reviews or investigations on your Account.

Standard withdrawal processing times at zi88 are as follows: Easypaisa and JazzCash withdrawals are typically processed within 5 minutes; bank transfer withdrawals within 2 hours; card withdrawals within the same business day. These timelines represent zi88's standard processing commitment and may extend during periods of high volume or where additional verification is required.

For jackpot wins in excess of 5,000,000 PKR, zi88's payments team will contact you directly via your registered mobile number to coordinate the withdrawal method and confirm settlement timelines. zi88 is committed to honouring all jackpot payouts in full in PKR.

zi88 does not charge withdrawal fees. Third-party fees imposed by Easypaisa, JazzCash, or your bank are not the responsibility of zi88.

---

8 Game Rules & Fairness

All games offered on the zi88 Platform — including live dealer table games, video slots, jackpot slots, and game show formats — operate in accordance with their individual game rules as published by the respective game provider. It is your responsibility to familiarise yourself with the specific rules of any game before placing a bet.

zi88 partners exclusively with reputable game studios and live dealer providers including Evolution Gaming, Pragmatic Play, Microgaming, NetEnt, and Playtech. All Random Number Generator (RNG) games offered via these providers are independently certified by accredited testing laboratories. Return to Player (RTP) percentages for each game are available in the game information panel within the zi88 Platform lobby.

In the event of a technical malfunction or error affecting a game outcome, zi88 reserves the right to void the affected bet and return the staked PKR amount to the player's Account. zi88 will not pay out winnings generated as a result of a manifest technical error, regardless of whether the error temporarily displayed a winning outcome.

All bets placed on the zi88 Platform are final once confirmed. zi88 does not accept requests to void a correctly placed and processed bet on the grounds that you changed your mind after the fact.

---

9 Bonuses & Promotions

zi88 offers a range of bonuses and promotional offers to registered users from time to time. Each promotion is subject to its own specific terms, which are published alongside the promotion and incorporate these Terms by reference. In the event of conflict between a promotion's specific terms and these Terms, the promotion-specific terms prevail in relation to that promotion only.

General principles governing all zi88 bonuses:

• Bonus funds are credited to your Account as a separate balance and are not available for withdrawal until the applicable wagering requirement has been completed;
• Wagering requirements specify the total amount you must wager using bonus funds before the bonus converts to withdrawable real-money PKR — for example, a 30× wagering requirement on a 1,000 PKR bonus means you must wager a total of 30,000 PKR using those bonus funds;
• Different games contribute different percentages toward wagering requirements — slots typically contribute 100%, while table games and live dealer games may contribute a lower percentage as specified in the promotion terms;
• Bonuses are available to one Account per individual, per household, per device, and per payment method. Attempting to claim the same bonus multiple times constitutes abuse;
• zi88 reserves the right to withdraw, modify, or cancel any promotion at any time. Bonus funds that have not been activated at the point of cancellation will be removed without compensation.

---

10 Prohibited Conduct

The following activities are strictly prohibited on the zi88 Platform and constitute a material breach of these Terms:

1. Using automated software, bots, scrapers, or any technology designed to gain an unfair advantage over other players or over zi88;
2. Engaging in or facilitating any form of collusion with other players to manipulate game outcomes or exploit promotions;
3. Abusing bonuses through coordinated multi-account play, reverse engineering promotion mechanics, or any strategy designed to withdraw bonus value without genuine recreational play;
4. Initiating fraudulent chargebacks on deposits made to your zi88 Account;
5. Laundering money or using the zi88 Platform to facilitate any financial crime;
6. Attempting to access the zi88 Platform from a jurisdiction where such access is prohibited and where zi88 has implemented appropriate geo-blocking measures;
7. Sharing, selling, or transferring your zi88 Account or its PKR balance to any other person;
8. Exploiting software bugs or technical glitches to generate winnings that would not have occurred during normal Platform operation;
9. Using the zi88 Platform for any commercial purpose, including systematic professional gambling operations that involve third-party client funds.

---

11 Responsible Gaming

zi88 is committed to providing a safe, responsible, and enjoyable gaming environment for all Pakistani players. Gambling on zi88 should be an entertainment activity — not a financial strategy, not a means of resolving financial difficulties, and not a compulsive behaviour that affects your personal or professional life.

zi88 provides the following responsible gaming tools, accessible at any time from your Account settings:

• Deposit Limits: Set daily, weekly, or monthly PKR deposit caps on your Account. Reductions take effect immediately; increases require a 24-hour cooling-off period;
• Session Time Limits: Set a maximum duration for each gaming session with pop-up reminders as your limit approaches;
• Loss Limits: Set a maximum PKR loss threshold per session, day, week, or month;
• Cooling-Off Period: Take a temporary break of 24 hours, 7 days, or 30 days during which your Account is inaccessible;
• Self-Exclusion: Permanently or indefinitely exclude yourself from the zi88 Platform. Self-exclusion is processed immediately and zi88 will not lift a self-exclusion before the selected period has elapsed.

zi88's Responsible Gaming team monitors Account activity for indicators of potentially harmful play and may proactively contact you, apply account restrictions, or refer you to support resources if such indicators are identified. This is zi88's legal and ethical obligation — not a commercial decision.

For further information and external support resources, please visit the zi88 Responsible Gaming page.

---

12 Intellectual Property

All content on the zi88 Platform — including but not limited to text, graphics, logos, game interfaces, software code, data compilations, and visual design — is the intellectual property of zi88 or its licensed third-party providers and is protected by applicable copyright, trademark, and database laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the zi88 Platform solely for personal recreational purposes in accordance with these Terms. You may not reproduce, distribute, publicly display, modify, create derivative works from, or commercially exploit any zi88 Platform content without prior written authorisation from zi88.

The zi88 name, logo, and associated brand elements are trademarks of zi88. Unauthorised use of zi88 trademarks — including in domain names, social media handles, or marketing materials — is prohibited and will be enforced.

---

13 Limitation of Liability

To the maximum extent permitted by applicable law, zi88's total aggregate liability to you arising out of or in connection with your use of the zi88 Platform shall not exceed the greater of:

• The total PKR amount deposited by you into your zi88 Account during the twelve (12) months immediately preceding the event giving rise to the claim; or
• 10,000 PKR.

zi88 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of profits, loss of data, loss of business opportunity, or any other financial loss beyond the direct PKR amount at stake, regardless of the theory of liability and even if zi88 has been advised of the possibility of such damages.

Nothing in this clause limits zi88's liability for fraud, gross negligence, or any other liability that cannot be excluded under applicable Pakistani law.

---

14 Account Suspension and Termination

zi88 reserves the right to suspend, restrict, or permanently close your Account at any time, with or without notice, in the following circumstances:

• Breach of any provision of these Terms;
• Providing false, inaccurate, or misleading information during registration or at any subsequent point;
• Failure to pass identity verification within a reasonable timeframe upon request;
• Account activity that zi88's security team determines to be suspicious or potentially fraudulent;
• Receipt of a court order, regulatory instruction, or law enforcement request relating to your Account;
• Closure of your Account at your own request.

Upon permanent Account closure due to breach of these Terms, zi88 reserves the right to forfeit all PKR balances — including real-money funds and bonus funds — held in the Account at the time of closure. Where closure is initiated at your own request and no breach has occurred, your available real-money PKR balance will be returned to your registered payment method within a reasonable processing period.

---

15 Amendments to These Terms

zi88 reserves the right to amend these Terms at any time. When material amendments are made, zi88 will notify registered users via the Platform, by notification on the zi88 login page, or by direct communication to your registered mobile number, depending on the nature of the change. Non-material amendments (such as corrections to typographical errors or clarifications that do not alter the legal effect of these Terms) may be made without individual notification.

Your continued use of the zi88 Platform following the publication of amended Terms constitutes your acceptance of those amended Terms. If you do not agree with any amendment, your sole remedy is to close your Account and cease using the Platform.

---

16 Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with applicable law. In the event of any dispute between you and zi88 arising out of or in connection with these Terms or your use of the Platform, the parties agree to first seek resolution through zi88's internal complaints procedure:

1. Submit your complaint in English to zi88's support team via Live Chat or by email to [email protected], providing full details of the dispute;
2. zi88 will acknowledge your complaint within 48 hours and provide a substantive response within 14 calendar days;
3. If the complaint is not resolved to your satisfaction within 14 days, you may request escalation to zi88's senior management team for further review.

zi88 aims to resolve all complaints fairly and promptly. Players in Pakistan are encouraged to engage with zi88's support team in the first instance before considering any external dispute resolution mechanism.

---

17 Contact Us

If you have any questions, concerns, or complaints regarding these Terms & Conditions or your zi88 Account, you may contact us through the following channels:

• Support Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 on the zi88 Platform
• Telegram: Available 24/7 via the zi88 Telegram support channel
• WhatsApp: Available 24/7 via the zi88 WhatsApp support number

zi88's support team operates in both English and Urdu. Response times via Live Chat are typically under 3 minutes. Email responses are provided within 24 hours during normal operations.

Effective Date: These Terms & Conditions are effective as of 1 January 2026 and supersede all previous versions of zi88's Terms & Conditions. The current version is always accessible at zi88.games/terms-and-conditions.