ar77 Terms & Conditions — Complete User Agreement for Pakistani Players

1. Definitions

In these Terms & Conditions, the following definitions apply unless the context expressly requires otherwise:

• "ar77," "we," "us," or "the Company" refers to the operator of the ar77 online gaming platform accessible at ar77.bio, licensed under an applicable international gaming authority.
• "You" or "the Player" refers to any natural person who registers, accesses, or uses the ar77 platform for any purpose.
• "Platform" means the ar77 website at ar77.bio, including all games, sportsbook, payment interfaces, account features, promotional systems, and any associated mobile-optimised interfaces.
• "Account" means the registered user account created by a Player on the ar77 Platform.
• "Real Money Balance" means funds deposited by the Player and credited to their Account wallet in Pakistani Rupees (PKR).
• "Bonus Funds" means promotional credits issued by ar77 subject to applicable wagering requirements and bonus terms.
• "Wagering Requirement" means the total amount a Player must bet in eligible games before bonus funds are converted to withdrawable real money.
• "KYC" means Know Your Customer verification procedures, including CNIC-based identity verification, which ar77 is required to conduct under its licensing obligations.
• "Services" means all products and features offered on the ar77 Platform, including casino games, live dealer games, sportsbook, slot games, and all related account management tools.

2. Acceptance of Terms

2.1 These Terms & Conditions, together with the ar77 Privacy Policy, Responsible Gaming Policy, and any specific game or promotion rules published on the Platform, constitute the entire agreement between ar77 and the Player.

2.2 By completing the ar77 registration process, ticking the acceptance checkbox, or by accessing or using the Platform in any capacity, you confirm your unconditional acceptance of these Terms in their current form.

2.3 If you are accessing the Platform on behalf of a third party or in a jurisdiction where online gambling is prohibited or restricted, you must not proceed. The responsibility for determining the legality of accessing ar77 from your location rests solely with you.

2.4 ar77 reserves the right to amend, update, or replace these Terms at any time. Material changes will be communicated via the Platform or by email to registered Players. Continued use of the Platform following notification of any change constitutes acceptance of the revised Terms.

3. Eligibility & Age Restriction

3.1 To be eligible to register and use ar77, you must:

• Be at least 21 years of age at the time of registration and at all times during your use of the Platform;
• Be a natural person with the legal capacity to enter into binding contracts;
• Not be subject to self-exclusion from ar77 or from any other gaming operator under any applicable responsible gaming scheme;
• Not be a current employee, director, contractor, agent, or close family member of an employee of ar77 or any associated entity;
• Not be registered from a jurisdiction in which access to ar77's services is explicitly prohibited under applicable law.

3.2 ar77 may at any time request documentary proof of age, identity, or address from any Player. Failure to provide satisfactory documentation within a reasonable timeframe will result in account suspension pending verification, or permanent closure at ar77's discretion.

3.3 Age verification via CNIC is mandatory prior to the processing of any withdrawal from an ar77 Account. This requirement is non-waivable and is imposed as a condition of ar77's international gaming license.

4. Account Registration

4.1 Each Player may register only one (1) ar77 Account. The registration, maintenance, or use of duplicate, multiple, or linked accounts by a single individual is strictly prohibited and constitutes grounds for immediate account closure and forfeiture of all associated balances.

4.2 You agree to provide accurate, current, complete, and truthful information at the time of registration and to update such information promptly if it changes. ar77 shall not be liable for losses arising from inaccurate account information provided by the Player.

4.3 ar77 reserves the right to reject any registration application at its sole discretion without being required to provide a reason.

4.4 Accounts registered using false, misleading, or fraudulent information — including misrepresentation of age, identity, or country of residence — will be permanently closed and any funds held may be forfeited subject to applicable legal obligations.

5. Account Security

5.1 You are solely responsible for maintaining the confidentiality of your ar77 login credentials, including your username, password, and any one-time authentication codes sent to your registered mobile number. ar77 will never request your password via live chat, email, or SMS.

5.2 You must notify ar77 immediately if you become aware of, or reasonably suspect, any unauthorised access to or use of your Account. Contact ar77 support via live chat for immediate account suspension.

5.3 ar77 shall not be liable for any losses arising from unauthorised access to your Account where you have failed to take reasonable steps to protect your login credentials or have shared them with a third party.

5.4 ar77 may, at its discretion, implement additional security measures including two-factor authentication, device verification, or temporary account holds when unusual activity is detected.

6. Deposits & Payments

6.1 ar77 accepts deposits via the following payment methods, which may be updated from time to time: JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, Raast, and 1LINK. All accepted payment methods are displayed on the ar77 Platform. ar77 does not accept cryptocurrency deposits.

6.2 The minimum deposit amount at ar77 is PKR 100. Maximum deposit limits may apply per transaction, per day, or per payment method and are displayed within the Deposit section of your Account dashboard.

6.3 All deposits are credited to your ar77 Account wallet in Pakistani Rupees (PKR). ar77 does not apply currency conversion fees. However, your payment provider may apply their own fees independently of ar77.

6.4 You warrant that all funds deposited into your ar77 Account are your own lawfully obtained funds and are not derived from any unlawful activity. ar77's anti-money laundering obligations may require the reporting of suspicious transactions to relevant authorities.

6.5 ar77 does not accept payments from third parties. All deposits must originate from a payment method registered in your own name. Deposits originating from third-party accounts will be returned and the relevant Account may be suspended pending investigation.

7. Withdrawals

7.1 Withdrawals may only be made to a payment method registered in the Player's own name. Withdrawals to third-party accounts are strictly prohibited.

7.2 The minimum withdrawal amount is PKR 200. Withdrawals are subject to completed KYC verification, including CNIC-based identity verification. This requirement must be satisfied before any withdrawal is processed, regardless of deposit amount or Account tenure.

7.3 Withdrawal processing times are estimates and are not guaranteed. JazzCash and EasyPaisa withdrawals to fully verified accounts typically process within 5–30 minutes. Bank transfer withdrawals typically process within 30 minutes to 3 hours during banking hours. ar77 is not responsible for delays caused by third-party payment processors.

7.4 ar77 reserves the right to conduct additional verification checks before approving any withdrawal. This may include requesting proof of deposit method, source of funds documentation, or identity documents beyond standard KYC. Such checks will be conducted as expeditiously as possible.

7.5 Withdrawals of bonus funds or winnings derived from bonus funds are subject to the wagering requirements applicable to the relevant bonus. Attempting to withdraw unconverted bonus funds is not permitted.

8. Bonuses & Promotions

8.1 ar77 offers various promotional bonuses including, but not limited to, welcome deposit match bonuses, free spins, reload bonuses, and cashback promotions. All bonuses are subject to their individual terms and conditions, which must be read carefully before claiming.

8.2 General Bonus Conditions:

• Only one bonus may be active at any time unless otherwise stated in the specific promotion terms;
• Bonuses are available exclusively to Players aged 21 years and above;
• Bonus funds must be wagered the required number of times before becoming withdrawable as real money;
• Slot games typically contribute 100% toward wagering requirements; live casino games and sports betting may contribute at a reduced rate as stated in the specific promotion;
• Bonus funds may not be used to activate the "Buy Free Spins" feature in slot games unless explicitly stated otherwise;
• ar77 reserves the right to void bonus funds and any winnings derived therefrom if bonus terms are violated;
• Bonuses are non-transferable and may not be exchanged for cash in their unconverted form.

8.3 ar77 reserves the right to modify, suspend, or withdraw any promotion at any time with reasonable notice. Ongoing promotions will not be retroactively modified in ways that materially disadvantage Players who have already qualified.

8.4 ar77 may decline to offer bonuses to any Player at its sole discretion, particularly where abuse of promotional systems is suspected.

9. Gaming Rules

9.1 All casino games available on the ar77 Platform use certified Random Number Generator (RNG) software that has been independently tested and audited as a condition of ar77's international gaming license. Game outcomes are entirely random and cannot be predicted or manipulated.

9.2 Published Return to Player (RTP) percentages for all major slot and table game titles are theoretical values calculated over millions of game rounds. Individual Player results will naturally deviate from theoretical RTP in the short term. ar77 does not guarantee any specific return.

9.3 In the event of a technical fault, game disconnection, or system error during a game round, ar77 will attempt to resolve the issue and, where possible, restore the game to its last confirmed state. Where this is not possible, the affected bet will be voided and the staked amount returned to the Player's wallet.

9.4 Wins resulting from a demonstrable software malfunction, error in game display, or incorrectly displayed odds will be void and will not be paid. ar77 will notify affected Players and return any staked amounts.

10. Sports Betting Rules

10.1 All sports bets placed on ar77 are subject to the specific betting rules applicable to the relevant sport and market type, as published in the ar77 Sportsbook section. Cricket betting rules apply to all PSL, ICC, bilateral, and domestic cricket markets.

10.2 Bets are accepted at the odds displayed at the time the bet is confirmed. Subsequent odds changes do not affect confirmed bets.

10.3 ar77 reserves the right to limit, restrict, or refuse any bet at its discretion. Particular restrictions may apply to certain markets, match events, or Player accounts where irregular betting patterns are detected.

10.4 In the event of a match being abandoned, postponed, or otherwise not completed under the rules of the governing body, ar77's void and settlement rules will apply as published in the Sportsbook Rules section. For T20 and ODI cricket, matches must reach the minimum number of overs required by the governing body for the result to stand.

10.5 Bets placed in error by the Player cannot be cancelled once confirmed. Players are solely responsible for checking bet details before confirmation.

11. Prohibited Conduct

11.1 The following conduct is strictly prohibited on the ar77 Platform and constitutes grounds for immediate Account suspension or permanent closure, forfeiture of balances, and where appropriate, reporting to relevant legal authorities:

• Registering or using more than one Account, whether individually or in combination with others;
• Providing false, misleading, or fraudulent information at registration or during KYC verification;
• Accessing the Platform if you are under 21 years of age;
• Using software, bots, artificial intelligence, or any automated tool to play games, place bets, or interact with the Platform;
• Exploiting software bugs, technical errors, or game malfunctions for financial gain;
• Engaging in any form of collusion with other Players or ar77 staff;
• Depositing funds derived from illegal activity or money laundering;
• Attempting to reverse, charge-back, or dispute legitimate deposits made to your ar77 Account;
• Abuse of the ar77 bonus system, including structuring deposits to exploit promotions or creating accounts for the sole purpose of claiming bonuses;
• Any conduct designed to circumvent ar77's security, KYC, responsible gaming, or anti-fraud systems.

12. Intellectual Property

12.1 All content on the ar77 Platform, including but not limited to software, game graphics, text, logos, trademarks, interface designs, promotional materials, and all other materials, is the proprietary intellectual property of ar77 or its licensed third-party game providers and is protected by applicable intellectual property laws.

12.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the ar77 Platform solely for your personal entertainment purposes in accordance with these Terms. No other rights in ar77's intellectual property are granted.

12.3 You may not copy, reproduce, distribute, modify, create derivative works of, or commercially exploit any content from the ar77 Platform without prior written consent from ar77.

13. Responsible Gaming

13.1 ar77 is committed to promoting responsible gaming as both an ethical obligation and a condition of its international gaming license. ar77 provides the following responsible gaming tools to all registered Players:

• Deposit Limits: Daily, weekly, and monthly deposit limits configurable by the Player in Account Settings;
• Loss Limits: Maximum loss limits per session or per period;
• Session Time Limits: Configurable session duration limits with pop-up reminder notifications;
• Reality Checks: Time-based pop-up notifications during active play sessions;
• Self-Exclusion: Temporary self-exclusion options ranging from 24 hours to 6 months, and permanent self-exclusion;
• Account Cooling Off: Temporary deactivation of your Account at your request.

13.2 Self-exclusion requests will be processed within 24 hours of receipt and will lock the Account from all gaming activity for the specified period. Self-exclusion is not reversible before the end of the stated period. During a self-exclusion period, ar77 will also exclude the Player from all marketing communications.

13.3 ar77 operates a strict 21+ age policy and employs active measures to prevent underage access, including age declarations at registration and CNIC-based age verification prior to first withdrawal.

13.4 If you are concerned about your gambling behaviour, please contact ar77's 24/7 support team or visit our Responsible Gaming page for further guidance and self-assessment resources.

14. Limitation of Liability

14.1 To the fullest extent permitted by applicable law, ar77 shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of profits, loss of data, or loss of gaming opportunity.

14.2 ar77's total aggregate liability to any Player in connection with these Terms or the Platform shall not exceed the total amount deposited by that Player in the twelve (12) months preceding the event giving rise to the claim.

14.3 ar77 makes no warranty that the Platform will be available uninterrupted, error-free, or free from viruses or other harmful components. ar77 will use reasonable commercial efforts to maintain Platform availability but does not guarantee continuous uptime.

14.4 Nothing in these Terms limits ar77's liability for fraud, fraudulent misrepresentation, death, or personal injury caused by ar77's negligence, where such limitation would be unlawful under applicable law.

15. Account Termination & Closure

15.1 You may close your ar77 Account at any time by contacting ar77 support via live chat. Any Real Money Balance remaining in your Account at the time of voluntary closure will be processed for withdrawal to your verified payment method, subject to completed KYC requirements.

15.2 ar77 reserves the right to suspend or permanently close any Account with immediate effect in the event of:

• Breach of any provision of these Terms;
• Suspected fraudulent activity, money laundering, or other illegal conduct;
• Failure to satisfy KYC verification requirements within a reasonable timeframe;
• Abusive, threatening, or inappropriate behaviour toward ar77 staff or other Players;
• Regulatory instruction from a licensing authority or law enforcement agency.

15.3 Where an Account is closed due to confirmed Terms violation or fraud, ar77 may forfeit some or all funds held in the Account and retain winnings generated in connection with the prohibited conduct, subject to applicable legal requirements.

16. Governing Law & Dispute Resolution

16.1 These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which ar77 holds its international gaming license. In the event of any conflict between these Terms and local applicable law, the provisions of ar77's licensing jurisdiction shall take precedence to the extent permitted by law.

16.2 In the event of a dispute relating to a gaming outcome, payment, bonus, or these Terms, you should first contact ar77 support in writing via live chat or by email to [email protected]. ar77 will endeavour to resolve all complaints within five (5) business days.

16.3 If a complaint is not resolved to your satisfaction through ar77's internal process, you may escalate the matter to ar77's licensed gaming authority through its published dispute resolution procedures. Details are available from ar77 support on request.

16.4 You agree that any legal proceedings arising from these Terms or the ar77 Platform shall be conducted on an individual basis. Class action or group litigation against ar77 is excluded to the maximum extent permitted by applicable law.

17. Amendments to These Terms

17.1 ar77 reserves the right to amend, update, or replace these Terms & Conditions at any time. Where changes are material, ar77 will provide reasonable advance notice through the Platform or by email to the address registered on your Account.

17.2 The effective date of the most recent version of these Terms is displayed in the header of this page. It is your responsibility to review these Terms periodically for updates.

17.3 Continued use of the ar77 Platform following the effective date of any amended Terms constitutes your acceptance of those amendments. If you do not accept the amended Terms, you must cease use of the Platform and may close your Account pursuant to Section 15.

18. Contact Information

If you have any questions about these Terms & Conditions, require clarification on any provision, or wish to exercise any right under these Terms, please contact ar77 through the following channels:

• Live Chat: Available 24/7 via the ar77 Platform — typical response time under 2 minutes
• Email: [email protected]

Please note that ar77 support is conducted in English. When contacting ar77 regarding a specific complaint or dispute, please include your registered Account username, the nature of your query, and any relevant dates or transaction reference numbers to help us resolve your query as quickly as possible.