x939 Terms &
Conditions of Use

1Definitions

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

• "x939," "we," "us," "our" refers to x939.net, the online gaming and sports betting platform operated under an international gaming licence.
• "Platform" means the x939 website accessible at x939.net, including all products offered therein: the sports sportsbook, live casino, online slot games, and fishing games.
• "User," "Player," "you," "your" refers to any individual who accesses, registers on, or uses the x939 platform.
• "Account" means the registered player account created by an eligible user on the x939 platform.
• "PKR" means Pakistani Rupee, the primary currency of the x939 platform.
• "Bonus" means any promotional credit, free spins, cashback offer, or reward made available to users subject to specific terms and conditions.
• "Wagering Requirement" or "Rollover" means the number of times a bonus amount or deposit must be wagered before a withdrawal request can be processed.
• "KYC" means Know Your Customer — the identity verification process required by x939 prior to processing withdrawals.

2Eligibility

To be eligible to register and use the x939 platform, 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 full legal capacity to enter into binding agreements;
• Not be a resident of any jurisdiction in which online gambling is explicitly prohibited by applicable law;
• Not be a current or former employee, director, officer, contractor, or agent of x939, or an immediate family member of any such person;
• Not have a previously closed or suspended x939 account that was terminated for breach of these Terms.

x939 reserves the right to request proof of age at any point and to suspend or close any account where eligibility cannot be confirmed. Winnings generated during any period of ineligibility may be forfeited at x939's absolute discretion.

3Account Registration

To access the full range of x939 services, users must create a registered account. Registration is subject to the following conditions:

• Each individual may hold only one (1) active x939 account. Multiple accounts per person are strictly prohibited;
• Registration information — including name, date of birth, mobile number, and email address — must be accurate and truthful;
• You are responsible for maintaining the confidentiality of your x939 account credentials, including your password and any two-factor authentication codes;
• x939 must be notified immediately if you become aware of any unauthorised access to your account.

You are solely responsible for all activity conducted through your x939 account. x939 shall not be held liable for any losses arising from unauthorised account access where reasonable security measures — including two-factor authentication — were available but not activated by the user.

4Identity Verification (KYC)

x939 is required under its international gaming licence to verify the identity of all players prior to processing withdrawal requests. This process is commonly referred to as Know Your Customer ("KYC") verification.

• KYC verification requires submission of a clear photograph or scan of a valid Pakistani CNIC (Computerised National Identity Card) or a current valid passport;
• The identity document submitted must belong to the account holder. Submission of fraudulent, altered, or third-party documents constitutes grounds for immediate account closure and forfeiture of all funds;
• x939 targets KYC approval within 2 to 4 business hours of document submission during operating hours. Complex cases may take longer;
• x939 may request additional supporting documents — such as proof of address or source of funds — for accounts with unusual activity patterns or withdrawal amounts above internal thresholds;
• Players who complete KYC verification at the time of registration avoid delays at the point of their first withdrawal request. Players who defer KYC until withdrawal will experience processing delays while verification is completed.

x939 processes and stores KYC documents in accordance with its Privacy Policy and applicable data protection obligations under its operating licence.

5Deposits

x939 accepts deposits in Pakistani Rupees (PKR) via the following payment channels:

• JazzCash — credited instantly to your x939 wallet;
• EasyPaisa — credited instantly to your x939 wallet;
• HBL Online Banking — credited within 30 minutes to 2 hours;
• UBL Digital — credited within 30 minutes to 2 hours;
• Meezan Bank — credited within 1 to 4 hours.

• The minimum deposit is PKR 500. Maximum deposit limits vary by payment method and may be subject to account-level thresholds;
• Deposits must originate from a payment account registered in your name. Third-party deposits are prohibited and may result in account suspension;
• x939 does not charge fees on deposits. However, your bank or payment provider may apply their own charges;
• x939 reserves the right to request evidence of payment ownership for any deposit at its discretion.

6Withdrawals

Withdrawals from your x939 wallet are subject to the following conditions:

• KYC identity verification must be completed and approved before any withdrawal is processed;
• Any active bonus wagering requirements must be fully satisfied before the bonus-related balance can be withdrawn;
• The minimum withdrawal amount is PKR 500;
• Withdrawals will be processed to the same payment method used for the most recent qualifying deposit, subject to method availability.

• JazzCash and EasyPaisa withdrawals: targeted within 20 to 45 minutes;
• HBL, UBL, and Meezan Bank withdrawals: targeted within 1 to 4 hours;
• x939 targets same-day processing for all withdrawal requests submitted during standard operating hours. Requests submitted outside business hours may be processed on the following business day.

7Bonuses and Promotional Offers

x939 may offer bonuses, free spins, reload offers, cashback promotions, and other incentives to registered users from time to time. All bonuses are subject to the following general conditions unless the specific bonus terms state otherwise:

• Each bonus offer may only be claimed once per eligible account, household, device, or IP address, unless explicitly stated otherwise;
• Bonuses credited to your x939 account are subject to a wagering requirement (rollover) that must be completed before the bonus balance or associated winnings can be withdrawn;
• Game contributions toward wagering requirements vary by game type: live casino games typically contribute at a lower rate than slot games. The specific contribution rate for each game category is disclosed in the individual bonus terms;
• Bonuses have an expiry period. Bonus funds and associated winnings that remain subject to uncompleted wagering requirements at the time of expiry will be forfeited without recourse;
• x939 reserves the right to withdraw, modify, or cancel any bonus offer at any time and to reclaim bonus funds where misuse, abuse, or manipulation is suspected;
• Attempting to exploit bonus offers through arbitrage, multiple account registration, coordinated play, or any other form of bonus abuse constitutes a prohibited conduct and may result in account closure.

8Sports Betting Rules

The following rules apply to sports betting activity on the x939 platform, including cricket, PSL, T20 competitions, UFC, and all other sports markets offered:

• Bets are accepted at the odds displayed at the time of placement confirmation. x939 reserves the right to refuse any bet at its sole discretion;
• In-play bets are subject to network latency. x939 shall not be liable for bets placed on events that have already concluded at the time of bet placement due to network delays;
• Minimum and maximum bet limits apply per market and event. These limits are displayed within the betting interface.

• Bets are settled according to the official result declared by the relevant sporting body or governing authority;
• In the event of an abandoned, cancelled, or postponed match, bets will be settled as void and stakes returned unless otherwise specified in the market rules;
• x939 reserves the right to suspend markets and void bets where there is evidence of match manipulation, data feed errors, or other integrity concerns.

For PSL and international cricket markets, x939 follows Duckworth-Lewis-Stern (DLS) adjusted results where applicable. Ball-by-ball markets are subject to specific voiding rules in the event of ball not being delivered due to no-balls, wides, or interruptions.

9Casino and Games

x939 offers live casino, online slot games, and fishing games sourced from certified third-party game studios including but not limited to Evolution Gaming, Pragmatic Play, PG Soft, and Jili Games.

• All casino game outcomes are determined by certified Random Number Generators (RNG) or, in the case of live dealer games, by physical game equipment operated by professional dealers;
• Published RTP (Return to Player) figures for slot games are long-term theoretical averages verified by independent certification bodies. Individual session results may deviate substantially from published RTPs;
• Malfunctions in casino software — including disconnections during live dealer sessions — void all affected bets. x939 is not responsible for losses arising from technical failures beyond its control;
• x939 does not permit the use of automated betting software, bots, or algorithmic systems in casino or slot games. Detection of such activity will result in immediate account suspension.

10Prohibited Conduct

Users must not engage in any of the following:

• Registering more than one account on x939, whether using the same or different personal details;
• Providing false, misleading, or fraudulent registration information, identity documents, or payment records;
• Using the x939 platform to launder money or facilitate any illegal financial activity;
• Exploiting software bugs, errors, or malfunctions to gain an unfair advantage, and failing to report such issues to x939 support immediately;
• Using automated betting software, bots, scripts, or any mechanical or electronic device that circumvents normal gameplay;
• Colluding with other players in casino games, particularly in live poker or table games;
• Engaging in systematic bonus abuse, including multi-accounting, bonus stacking across accounts, or coordinated wagering strategies designed to exploit rollover conditions;
• Accessing the x939 platform from a jurisdiction in which online gambling is explicitly prohibited, and misrepresenting your location to circumvent geographic restrictions.

11Account Suspension and Closure

x939 reserves the right to suspend, restrict, or permanently close any user account, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms & Conditions;
• Failure to complete KYC verification within the required timeframe following a withdrawal request;
• Suspected fraudulent, abusive, or collusive activity;
• Receipt of a court order, regulatory instruction, or law enforcement directive requiring account action;
• Identification of the account holder as a politically exposed person (PEP) requiring enhanced due diligence;
• At the specific request of the account holder for self-exclusion under the x939 Responsible Gaming programme.

Where an account is suspended pending investigation, x939 will communicate with the account holder via their registered email address within a reasonable timeframe. Where an account is closed for breach, x939 reserves the right to withhold funds pending completion of an investigation, and to forfeit such funds where fraud or abuse is confirmed.

12Responsible Gaming

x939 acknowledges that online gambling carries risk of harm for a minority of users and takes its player protection obligations seriously. The following responsible gaming tools are available to all x939 users:

• Deposit Limits: Set daily, weekly, or monthly deposit limits that restrict the amount you can add to your x939 wallet within any given period;
• Loss Limits: Restrict net losses within specified time periods to prevent escalating losses beyond comfortable thresholds;
• Session Time Reminders: Configure alerts that notify you when a specified session duration has elapsed;
• Cool-Off Period: Temporarily restrict account access for periods of 24 hours, 7 days, or 30 days;
• Self-Exclusion: Permanently or indefinitely exclude yourself from x939. Self-exclusion requests are processed by x939 support and take effect within 24 hours of confirmation.

x939 encourages any user who is concerned about their gambling behaviour to visit the Responsible Gaming page for detailed guidance, self-assessment tools, and links to independent support organisations.

x939 may, at its discretion, initiate contact with users exhibiting patterns consistent with problem gambling behaviour, and may apply account restrictions in the interest of player welfare, in accordance with its obligations under its operating licence.

13Intellectual Property

All content on the x939 platform — including but not limited to software, source code, database structures, graphics, logos, images, text, game interfaces, and brand identifiers — is the intellectual property of x939 or its licensed content providers and is protected by applicable copyright, trademark, and intellectual property laws.

• Users are granted a limited, non-exclusive, non-transferable licence to access and use the x939 platform solely for personal, non-commercial gaming purposes;
• Reproduction, distribution, modification, reverse engineering, or commercial exploitation of any x939 platform content without express written authorisation is strictly prohibited;
• The x939 brand name, logo, and all associated identifiers are trademarks of x939. Unauthorised use of these identifiers — including in domain names, social media accounts, or marketing materials — is prohibited and may be subject to legal action.

14Limitation of Liability

To the maximum extent permitted by applicable law, x939 shall not be liable for:

• Any indirect, consequential, incidental, or punitive damages arising from your use of or inability to use the x939 platform;
• Losses arising from system downtime, maintenance periods, network failures, or circumstances beyond x939's reasonable control (force majeure);
• Losses arising from your failure to maintain the security of your account credentials;
• Inaccuracies in data feeds provided by third-party sports data suppliers that result in incorrect market pricing or settlement;
• Any taxes, levies, or duties payable by you in your jurisdiction as a result of winnings generated on x939.

x939's total aggregate liability to any individual user for any claim arising from use of the platform shall not exceed the total amount deposited by that user in the twelve-month period preceding the claim.

15Amendments to These Terms

x939 reserves the right to amend, modify, or replace these Terms & Conditions at any time. Amendments will be communicated to registered users via:

• A notice posted on the x939 platform homepage or this Terms & Conditions page;
• An email notification to your registered email address for material changes;
• An in-platform notification upon your next login session.

Continued use of the x939 platform following the posting of amended Terms constitutes your acceptance of the revised Terms. If you do not accept any amendment, you must cease using the platform and submit a withdrawal request for any remaining balance prior to closing your account. x939 will honour such withdrawal requests subject to the standard verification and processing conditions in place at the time.

16Governing Law and Dispute Resolution

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which x939 holds its gaming licence. Any dispute arising from or in connection with these Terms or your use of the x939 platform shall be resolved as follows:

• Informal Resolution: Users are encouraged to first contact x939 customer support to seek an informal resolution of any dispute. x939 commits to responding to all formal complaints within 5 business days;
• Formal Escalation: Where an informal resolution cannot be reached, the matter may be escalated to the dispute resolution mechanism provided by x939's licensing authority in accordance with the applicable licence conditions;
• Arbitration: Where escalation to the licensing authority does not resolve the matter, disputes may be referred to binding arbitration under the rules of a mutually agreed arbitral institution. Arbitration proceedings will be conducted in English.

Nothing in this clause shall restrict x939's right to seek emergency injunctive relief in any competent court to prevent unauthorised use of its intellectual property or to preserve the integrity of its platform.

17Contact Information

If you have questions, concerns, or complaints regarding these Terms & Conditions, please contact x939 through the following channels:

• Email: [email protected]
• Live Chat: Available directly from the x939 platform, 24 hours a day, 7 days a week;
• Languages: Support is available in English and Urdu;
• Response Time: Live chat — average 3 to 5 minutes; Email — within 2 to 4 hours.

These Terms & Conditions were last reviewed and updated on 1 January 2026. x939 reserves the right to update these Terms at any time in accordance with Section 15 above.