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Terms Conditions for Your Joya 44 Account

These terms set out what you agree to when you open and use a Joya 44 account. Access and eligibility depend on your local law and the regions where our service is available — read through before you start.

Account holders onlyBangladesh-eligible regionsbKash, Nagad, Rocket deposits coveredSubject to local law

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What These Terms Actually Cover

Joya 44 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

By creating an account on Joya 44, you accept these terms in full. They cover how your account is opened and verified, how deposits and withdrawals work through bKash, Nagad, and Rocket, and what happens if an account is found to be in breach. We reserve

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the right to update these terms; when we do, we post the revised version here and the continued use of your account means you accept the changes. These terms do not override your rights under applicable Bangladesh law — where local law sets a higher standard,
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that standard applies. Eligibility is your responsibility: you confirm that accessing this service is lawful in your location. Accounts are personal and non-transferable. Any attempt to operate multiple accounts, share credentials, or manipulate wallet transactions may result in account suspension pending review. If you deposit via
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bKash, Nagad, or Rocket, the transaction record on your mobile wallet is your receipt — keep it until the deposit reflects in your account balance. Disputes about transactions should be raised with our support team within 14 days of the transaction date.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

HOW WE HANDLE YOUR ACCOUNT

Account Security and Data Practices

Account Verification

We verify identity before processing withdrawals. You may be asked to confirm your bKash or Nagad number matches the name on your account. This step protects your wallet from unauthorised access.

Data Retention

We keep account records for as long as your account is active and for a period after closure as required by applicable law. You can request a summary of the data we hold by contacting support.

Session Security

Each login session is protected. If you access Joya 44 from a new device or browser, you may be asked to verify via a one-time code sent to your registered mobile number.

Requesting Changes

To update your registered mobile number, wallet details, or request account closure, contact support directly. Changes to payment details require re-verification before they take effect.

REACH US DIRECTLY

Contact Us About These Terms

Live Chat Open the chat window from any page on Joya 44. Our support team can clarify any clause in these terms or walk you through an account query in real time.

Email Support Send your question to our support address for a written record. Useful for disputes, account review requests, or anything that needs a documented response trail.

Help Centre Our help pages cover the most common questions about account rules, wallet deposits, and what to do if a transaction does not clear as expected.

Common Questions About These Terms

These terms apply to anyone who opens an account on Joya 44. Access is limited to eligible regions where the service is lawfully available — confirm this applies to your location before registering.

Yes. We may update these terms at any time. The revised version is posted on this page with the update date. Continuing to use your account after an update means you accept the new terms.

Breaches — such as operating multiple accounts or misusing wallet deposits — may lead to account suspension or closure. We will contact you via your registered details before taking permanent action where possible.

Raise the dispute with our support team within 14 days of the transaction. Have your mobile wallet transaction reference ready. We will cross-check against our deposit records and respond in writing.

Contact our support team by email or live chat with your account details. We will confirm what data we hold and provide a summary in line with applicable law within a reasonable timeframe.

These terms are subject to applicable law in the regions where Joya 44 operates. Your local law may grant you additional rights — nothing in these terms is intended to limit those rights.

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