Terms and Conditions – Lucy91 Online Casino Platform

1Acceptance of Terms

By accessing or using the lucy91 platform – whether through a web browser, the mobile app, or any other means – you confirm that you have read, understood and agree to be bound by these Terms and Conditions in their entirety. These terms apply to all registered users and to all visitors who browse the platform without registering.

These terms are effective from the date you create your account or, if earlier, the date you first accessed the platform. Lucy91 reserves the right to update or modify these terms at any time. When changes are made, the updated version will be published on this page with a revised effective date. Your continued use of the platform following any update constitutes your acceptance of the revised terms.

If you disagree with any part of these terms, the correct course of action is to stop using lucy91 and close your account. Continued use after an update to the terms means you have accepted those changes.

2Eligibility and Registration

To register and use lucy91, you must meet all of the following requirements at the time of registration and on an ongoing basis while your account remains active:

• You must be at least 18 years of age. Lucy91 is strictly an adult platform and will not knowingly allow anyone under the age of 18 to register or play.
• You must be registering on your own behalf, not on behalf of another person.
• You must not already hold an active or previously suspended account on lucy91. Each individual is permitted one account only.
• You must provide accurate, complete and up-to-date personal information during registration, including your real name, date of birth and valid contact details.
• You must not be acting as an agent for or on behalf of a third party.

Lucy91 reserves the right to verify the eligibility of any account holder at any time. This may involve requesting identity documents, proof of address or proof of payment method ownership. Failure to provide requested documentation within a reasonable timeframe may result in account suspension until the verification is completed.

3 Account Responsibilities

You are solely responsible for maintaining the security and confidentiality of your lucy91 account credentials, including your password and any two-factor authentication details. Lucy91 will never ask for your password via email, live chat or any other communication channel. If someone claiming to be from lucy91 asks for your password, do not share it and report the contact to our support team immediately.

You must notify lucy91 support as soon as possible if you suspect that your account has been accessed without your authorisation, your login credentials have been compromised, or any transactions appear on your account that you did not initiate.

• You are responsible for all activity that occurs under your account, whether authorised by you or not, until you report a security concern to lucy91.
• You must keep your registered email address and mobile number current. These are used for account verification, withdrawal confirmations and security alerts.
• Sharing your account with another person, or allowing another person to play on your behalf, is not permitted.
• Selling, transferring or assigning your account to another person is strictly prohibited.

Lucy91 accepts no liability for losses that arise from your failure to keep your account details secure, provided that the platform's own systems have not been compromised. Where a security issue originates from our side, we will notify affected users and take corrective action promptly.

4Deposits and Payments

All deposits on lucy91 are processed in Pakistani Rupees (PKR). The platform supports the following payment methods: JazzCash, Easypaisa, Raast instant bank transfers, standard bank account transfers, and debit or credit cards. Supported methods may be updated from time to time and the current list is displayed on the Deposit page.

Deposits are credited to your account balance in PKR at the amount received, with no platform-side conversion fees applied. Minimum and maximum deposit amounts per transaction vary by payment method and are displayed at the point of deposit.

• You may only deposit funds from a payment method registered in your own name. Third-party deposits – where the source account belongs to another person – are not accepted and will be reversed if detected.
• Lucy91 does not accept cash deposits or cryptocurrency payments.
• Deposits are for gaming purposes only. Depositing funds and then requesting an immediate withdrawal without meaningful play may be treated as an attempt to use the platform as a payment processing service, which is not permitted.
• Lucy91 reserves the right to request proof of the source of funds deposited, particularly for large or unusual transactions.

5Withdrawals

Withdrawal requests can be submitted at any time from your account dashboard. All withdrawals are processed in PKR and sent to a payment method registered in your own name. Lucy91 does not process withdrawals to third-party accounts under any circumstances.

Withdrawals are subject to identity verification. If your account has not previously been verified, a withdrawal request will trigger a verification process. You will be asked to provide supporting documents and the withdrawal will be held pending successful verification. This is a standard security measure and not an indication of any issue with your account.

• Minimum withdrawal amounts apply and are displayed on the withdrawal page at the time of request.
• Bonus funds that have not met the applicable wagering requirements cannot be withdrawn. Real-money balance is always available for withdrawal subject to identity verification requirements.
• Lucy91 targets a processing time of one to three business days for approved withdrawals, depending on the payment method selected.
• In cases where a withdrawal is delayed beyond the stated timeframe, players should contact support with the withdrawal reference number for an update.

6Bonuses and Promotions

Lucy91 offers a range of bonuses and promotions to registered players, including welcome bonuses, deposit match offers, free spins, cashback and seasonal promotions tied to events such as PSL, T20 internationals and other occasions relevant to Pakistani players. All active offers are listed on the Promotions page with their full terms.

The following general rules apply to all bonuses unless a specific promotion's terms state otherwise:

• Wagering requirements: All bonus funds carry a wagering requirement that must be completed before the bonus balance can be converted to withdrawable funds. The specific requirement (e.g., 20x, 30x) is stated on the promotion detail page.
• Eligible games: Not all games contribute equally toward wagering requirements. Slot games typically contribute 100%, while live casino table games may contribute a reduced percentage. The contribution breakdown is stated in each promotion's terms.
• Bonus expiry: Bonuses that are not used or wagered within the stated validity period will expire and be removed from your account automatically.
• One bonus at a time: Players may only have one active bonus running at a time unless a specific promotion explicitly permits stacking.
• Abuse prevention: Lucy91 reserves the right to withdraw bonus offers, cancel bonus balances and recover bonus winnings if there is evidence of bonus abuse, including but not limited to: creating multiple accounts to claim the same offer, placing low-risk bets designed purely to clear wagering requirements, or coordinating with other players to exploit offer terms.

Lucy91 reserves the right to modify, suspend or withdraw any bonus or promotion at any time. Changes to ongoing promotions will be communicated to affected players where practicable.

7Game Rules and Fair Play

All games available on lucy91 are provided by third-party software studios and operate on certified random number generator (RNG) technology or, in the case of live casino games, through live dealer streams with professional croupiers. Lucy91 does not modify game outcomes and has no ability to influence the result of any individual game round.

Each game has its own rules, which are accessible within the game interface. It is your responsibility to understand the rules of any game before placing real-money bets. Lucy91 does not accept responsibility for losses that result from a player misunderstanding game rules or mechanics.

• Game results are final once a round has been completed and confirmed by the game system. No results will be reversed except in cases of a confirmed technical fault that materially affected the outcome.
• If a game round is interrupted due to a technical issue and cannot be completed, the round will either be voided with the bet amount returned, or completed from the point of interruption where the game system supports it.
• Theoretical Return to Player (RTP) percentages for slot games are provided in the game information panel. These represent long-run statistical averages and are not a guarantee of individual session outcomes.

8VIP Programme

The lucy91 VIP programme operates across five tiers: Bronze, Silver, Gold, Platinum and Diamond. Tier progression is based on real-money play activity over rolling qualifying periods. The specific activity thresholds for each tier are displayed on the VIP page.

• VIP cashback is calculated on net losses over the applicable weekly period and credited to your account balance at the rate corresponding to your active tier.
• Cashback is credited as real money and does not carry wagering requirements unless a specific VIP promotion states otherwise.
• Tier status is reviewed periodically. Players who do not maintain the qualifying activity level for their current tier may be moved to a lower tier at the next review date.
• Personal account managers are assigned from Gold tier onwards. Their role is to assist with account queries, communicate upcoming offers and provide a direct escalation path for support issues.
• Lucy91 reserves the right to modify the VIP programme structure, tier thresholds, cashback rates and associated benefits at any time. Changes will be communicated to VIP members in advance where possible.

VIP benefits are personal to the account holder and cannot be transferred. They apply only to real-money activity and are not earned on play conducted using bonus funds alone.

9Prohibited Conduct

The following activities are strictly prohibited on lucy91. Engaging in any prohibited conduct will result in immediate account suspension, cancellation of any pending withdrawals and forfeiture of balances, in addition to any other remedies available:

• Multiple accounts: Creating more than one account per person, household or device for any reason, including to claim multiple welcome bonuses.
• Fraudulent deposits: Using stolen, unauthorised or fraudulently obtained payment credentials to deposit.
• Chargeback abuse: Initiating a payment chargeback after receiving gaming value from a deposit. All chargeback disputes will be vigorously contested using transaction records.
• Automated software: Using bots, scripts, macros or any form of automated software to interact with the platform or its games.
• Collusion: Coordinating with other players to exploit game mechanics, share game information in live casino settings, or otherwise gain an unfair advantage.
• Bonus abuse: Systematically exploiting bonus terms through low-risk bet patterns, hedging strategies or coordinated play designed to meet wagering requirements without genuine risk.
• Exploitation of errors: Deliberately exploiting technical errors, software bugs or incorrectly displayed odds or payouts to generate artificial winnings.

Lucy91 employs monitoring systems to detect irregular patterns of play, account activity and payment behaviour. Confirmed cases of prohibited conduct will be escalated as appropriate, including referral to payment providers and relevant fraud prevention networks.

10Account Suspension and Closure

Lucy91 reserves the right to suspend or close any account at any time for any of the following reasons:

• Breach of any provision of these Terms and Conditions.
• Failure to complete identity verification within a reasonable timeframe.
• Suspected or confirmed fraudulent activity, including prohibited conduct as described in Section 9.
• A request from a payment provider, financial institution or fraud prevention body.
• At the player's own request, including self-exclusion requests submitted through the Responsible Gaming tools.

If your account is suspended due to a suspected breach, lucy91 will conduct a review. If the review finds no breach, the account will be reinstated and any funds that were held during the suspension will be released. If a breach is confirmed, the account will be closed and balances may be forfeited in whole or in part depending on the nature of the breach.

Players who wish to voluntarily close their account in good standing may do so by contacting support. Real-money balances will be returned to the player's registered payment method following identity verification. Bonus balances are forfeited on voluntary account closure.

11Intellectual Property

All content on the lucy91 platform – including but not limited to the brand name, logo, website design, game interfaces, promotional materials, written content and software – is the property of lucy91 or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for your personal, non-commercial entertainment purposes. This licence does not include the right to:

• Copy, reproduce, distribute or publicly display any part of the platform's content without written permission.
• Reverse-engineer, decompile or attempt to extract the source code of any software used on the platform.
• Use the lucy91 name, logo or branding in any context outside of direct reference to your own account.
• Scrape, crawl or otherwise extract data from the platform by automated means.

12Limitation of Liability

Lucy91 provides the platform on an "as available" basis. While we make every effort to maintain continuous service, we do not guarantee that the platform will be available at all times without interruption, error or delay. Scheduled maintenance, unplanned outages and circumstances outside our control may affect availability.

To the fullest extent permitted, lucy91's liability to any player in connection with the use of the platform is limited to the real-money balance held in that player's account at the time the liability arises. Lucy91 will not be liable for:

• Loss of profits, loss of opportunity or any indirect or consequential losses arising from your use of the platform.
• Losses resulting from your failure to keep account credentials secure.
• Losses resulting from your failure to read and understand game rules before placing bets.
• Interruptions to service caused by circumstances outside lucy91's reasonable control, including but not limited to network outages, power failures or third-party service disruptions.

Nothing in these terms limits liability for fraud, gross negligence or any liability that cannot be excluded under applicable law.

13Privacy and Data

Lucy91 collects, processes and stores personal data as described in the Privacy Policy, which forms part of these Terms and Conditions and should be read alongside them. By registering on lucy91, you consent to the collection and use of your data as described in the Privacy Policy.

Personal data collected includes registration information, transaction records, game history, device and connection data, and communications with support. This data is used to operate your account, process transactions, detect fraud, comply with applicable obligations and improve the platform experience.

Lucy91 will not sell your personal data to third parties for marketing purposes. Data may be shared with payment processors, identity verification providers, fraud prevention networks and other service providers strictly as necessary to operate the platform.

14Responsible Gaming

Lucy91 is committed to providing a safe and enjoyable entertainment experience for all players. Gaming is intended to be a form of entertainment for adults and should always remain within the boundaries of what is personally affordable and comfortable for you.

The following tools are available to all registered players at any time:

• Deposit limits: Set daily, weekly or monthly PKR limits on how much you can deposit into your account.
• Session reminders: Set time alerts that notify you when you have been playing for a specified duration.
• Self-exclusion: Temporarily or permanently exclude yourself from the platform. Self-exclusion requests are processed promptly and cannot be reversed during the selected exclusion period.

If you feel that your gaming habits are becoming a concern – spending beyond your planned budget, playing to recover losses, or finding it difficult to take breaks – we encourage you to use the tools above and visit the Responsible Gaming page. Gaming should never be seen as a source of income, and no strategy guarantees a profit.

15Amendments to These Terms

Lucy91 reserves the right to amend, update or replace these Terms and Conditions at any time. When material changes are made, we will publish the updated terms on this page with a revised "Last Updated" date. For significant changes that affect your rights or obligations as a player, we will make reasonable efforts to notify you directly via your registered email address or an in-platform notification.

If you do not agree with any changes to the terms, you should stop using the platform and request account closure before the changes take effect. Continued use of lucy91 following the effective date of any amendment constitutes your acceptance of the revised terms.

It is your responsibility to review these terms periodically to stay informed of any updates. The most current version of the Terms and Conditions is always available on this page.

16Contact and Support

If you have any questions about these Terms and Conditions, your account, transactions, bonuses or any other aspect of the lucy91 platform, our support team is available 24 hours a day, seven days a week throughout the year.

You can reach the support team through the live chat feature available on the platform, or by emailing the support address displayed in the footer of this page. When contacting support regarding a specific transaction or account issue, please have your account username and the relevant transaction reference number ready to help us assist you more efficiently.

For responsible gaming concerns or self-exclusion requests, please indicate this clearly when contacting support and your request will be treated as a priority.