Terms & Conditions — The Complete Guide to Using Hay Baj

Section 01 General Introduction & Applicability

Hay Baj (hereinafter referred to as the "Platform" or "we") is an online gaming and Sports Betting service operated for users in Bangladesh. These Terms and Conditions ("Terms") apply to your use of the Hay Baj website, mobile app, and all associated services.

By accessing haybaj.app or creating an account, you confirm that you have read, understood, and agreed to these Terms and Conditions in full. If you do not agree with any part of these terms, please refrain from using the platform.

These terms may be updated at any time. You will be notified of any changes via your registered email or through a platform notification. Continued use of the platform after changes take effect constitutes your acceptance of the updated terms.

Applicable Law

Hay Baj operates under an international gaming license and complies with applicable international gaming regulations. Any legal disputes will be resolved in accordance with international arbitration law.

Section 02 Account Registration & Eligibility

To open an account with Hay Baj, you must meet the following eligibility requirements:

• You must be at least 18 years of age.
• You are not a resident of any country or region where online gaming is strictly prohibited.
• You are able and willing to provide accurate personal information and identification.
• You have not previously been banned from Hay Baj.

Registration Process

During registration, you are required to provide your full name, date of birth, email address, and phone number. Hay Baj may request identity verification documents at any time — such as a national ID, passport, or driving licence.

One Person, One Account Policy

Only one account is permitted per person, household, or address. If multiple accounts are detected sharing the same IP address, device, or payment method, all associated accounts may be temporarily or permanently closed and any bonus balances forfeited.

Section 03 Deposit & Payment Policy

You can deposit at Hay Baj using various mobile banking methods including bKash, Nagad, and Rocket. For full details on payment options, visit our Payment Visit the page.

Deposit Terms

• Deposits must be made using a payment method registered in your own name only.
• Third-party payments are not accepted and any such transactions will be voided.
• Avoid gaming with credit cards or borrowed money.
• Hay Baj does not charge any fees on deposits; however, fees imposed by your payment provider may apply.

Section 04 Withdrawal Policy & Process

Withdrawing funds from Hay Baj is simple and fast. However, the following rules apply to all withdrawals:

• Withdrawals can only be made to the same payment method used for the deposit.
• The minimum withdrawal amount is ৳500.
• Withdrawals will not be processed until verification is complete.
• To withdraw winnings earned from a bonus, the wagering requirements attached to that bonus must be met.
• MFS withdrawals (bKash/Nagad/Rocket) are typically processed within 5–15 minutes, while bank transfers take 1–3 business days.

KYC Verification

For large first-time withdrawals or transactions exceeding certain thresholds, Hay Baj may request KYC (Know Your Customer) documents. This is done to protect you. Verification is typically completed within 48 hours of receiving the required documents.

Article 05 Bonuses & Promotions

Hay Baj regularly offers a variety of bonuses and promotions. Each bonus comes with specific terms that must be met.

General Bonus Terms

• Each bonus can only be claimed once, unless otherwise specified.
• Welcome bonuses typically carry a wagering requirement of 20x to 30x.
• Winnings from bonus balance are subject to wagering requirements before withdrawal.
• You may not claim a second bonus while one is already active, unless the applicable terms explicitly allow it.
• Free spin bonuses must generally be used within 7 days.
• Hay Baj reserves the right to modify or cancel any bonus offer.

Article 06 Gaming Rules & Betting Terms

All games and betting markets on Hay Baj operate under specific rules. Sports Betting, casino games, and live games each have their own separate set of rules.

Sports Betting

• The decision to accept or void any bet rests solely with Hay Baj.
• Bets are generally refunded if a match is abandoned or postponed.
• If a bet is voided due to a technical issue during live betting, the stake will be refunded.
• Hay Baj reserves the right to void bets placed at incorrect odds.

Casino & Live Games

• All game outcomes are determined by an RNG (Random Number Generator).
• If a game is interrupted due to a technical issue, Hay Baj will work to provide the fairest possible resolution.
• RTP (Return to Player) information for each game is available on the game page.

Article 07 Prohibited Activities

The following activities are strictly prohibited on Hay Baj:

• Using any form of fraud, hacking, or software to gain an unfair advantage.
• Using the platform for money laundering or processing illicit funds.
• Creating multiple accounts to abuse bonuses.
• Attempting to access another user's account or steal their information.
• Placing a bet on a sports match in which you are an active participant.
• Impersonating Hay Baj officers or partners.
• Attempting to overload or place excessive strain on the platform's servers.

If any of the above activities are proven, the account will be permanently closed and all balances will be forfeited. Law enforcement authorities may also be notified if necessary.

Article 08 Privacy & Data Protection

Hay Baj takes the protection of your personal data seriously. We do not sell your information to any third parties.

Your information is used solely for the following purposes:

• Account management and identity verification.
• Payment processing and fraud prevention.
• Providing customer service and support.
• Meeting legal obligations.
• Improving platform quality.

For full details on privacy, please see our Privacy Policy Read.

Section 09 Responsible Gaming

Hay Baj believes gaming should be a source of entertainment — not a livelihood. We encourage all members to play responsibly.

Our Tools

• Deposit Limit: Set daily, weekly, or monthly deposit limits.
• Session Timer: Limit your continuous playing time.
• Cooling-Off: Temporarily suspend your account for 7 to 30 days.
• Self-Exclusion: You can close your account on your own at any time.

To learn more about responsible gaming, visit our Responsible Gaming Visit the page.

Article 10 Account Suspension & Closure

Hay Baj reserves the right to temporarily or permanently suspend an account under the following circumstances:

• Violation of any clause within these Terms & Conditions.
• Fraudulent activity or bonus abuse.
• Providing incorrect or false information.
• Account inactivity for an extended period (more than 12 months).
• At the user's own request.

Inactive Account Policy

Any account with no login or transaction activity for 12 months will be considered inactive. A maintenance fee of ৳100 or 10% of the balance (whichever is lower) may be deducted monthly from inactive accounts. You will receive an email notification before the account is closed.

Section 11 Dispute Resolution Process

For any dispute or complaint, please contact our customer support team first. We aim to respond within 48 hours.

Complaints Process

• Step 1: Email us at support@haybaj.app with full details.
• Step 2: Our team will provide an initial response within 48 hours.
• Step 3: For complex matters, we aim to provide a full resolution within 7 business days.
• Step 4: If unresolved, the matter may be referred to an independent international arbitration body.

Article 12 Changes to Terms & Their Effect

Hay Baj reserves the right to amend these terms and conditions, in part or in full, at any time. When changes are made:

• Advance notice will be sent to your registered email.
• A notification will be posted on the platform.
• The effective date of any updated Terms will be clearly communicated.

Continuing to use the platform after any changes takes effect constitutes acceptance of the updated Terms. If you object to any term, you may request account closure.

If any provision of these Terms is found to be unenforceable, all remaining provisions will continue to apply in full.