Terms and Conditions — Lucky 102 Platform Rules

By accessing, registering or using the Lucky 102 platform at lucky102.app, you confirm that you have read, understood and agreed to be bound by these Terms and Conditions in their entirety. These terms form a legally binding agreement between you ("the Player") and Lucky 102 ("the Platform", "we", "us").

If you do not agree to any part of these terms, you must not register an account, make a deposit or use any feature of the Lucky 102 platform. Continued use of the platform after any update to these terms constitutes acceptance of the revised version.

To register and use Lucky 102, you must meet all of the following eligibility criteria at the time of registration and at all times while using the platform:

• You must be at least 18 years of age. Lucky 102 does not permit underage gambling under any circumstances.
• You must be a natural person (not a corporate entity, bot or automated system).
• You must not be subject to any self-exclusion order, either through Lucky 102 or any other platform, that would prohibit you from gambling.
• You must be acting on your own behalf and not on behalf of any third party.
• You must not be an employee, contractor, director or affiliate of Lucky 102 or any related entity.
• You must have the full legal capacity to enter into a binding agreement under applicable law.

Lucky 102 reserves the right to request proof of age and identity at any point. Accounts found to be registered by ineligible players will be closed and any balances may be forfeited pending review.

Each player is permitted to hold only one (1) account at Lucky 102. Creating multiple accounts — whether under the same or different names, phone numbers or payment methods — is a violation of these terms and will result in all related accounts being closed.

When registering you must provide accurate, complete and up-to-date information. This includes your real name, date of birth, mobile number and any other details requested during the registration process. Providing false information is a serious breach of these terms.

• Your account credentials (username and password) are personal to you and must not be shared with anyone else.
• You are responsible for all activity that occurs on your account, whether or not you authorised it.
• You must notify Lucky 102 support immediately if you suspect unauthorised access to your account.
• Lucky 102 will never ask for your password via email, live chat or any other channel.
• Account verification (KYC) must be completed before withdrawals are processed. This includes submitting a valid identity document.

Account verification is a one-time process and we strongly recommend completing it promptly after registration to avoid any delays when you first request a withdrawal. The most common reason for a delayed withdrawal at Lucky 102 is an unverified account — getting this done early saves time.

All deposits at Lucky 102 are made in Pakistani Rupees (PKR). The platform supports the following payment methods for Pakistani players:

• JazzCash — mobile wallet deposits processed promptly
• Easypaisa — mobile wallet deposits via the Easypaisa app or agent
• Raast — Pakistan's instant payment system
• Bank Transfer — direct transfers from Pakistani bank accounts
• Debit/Credit Cards and other supported mobile wallets

The minimum deposit amount and any applicable processing times are displayed within your account dashboard at the time of deposit. Lucky 102 does not charge a fee for deposits, though your payment provider may apply its own charges — please check with them directly.

You must only deposit funds from a payment account that is registered in your own name. Depositing on behalf of another person, or using a payment method that does not belong to you, is prohibited and may result in account closure and funds being returned to the source.

Withdrawal requests at Lucky 102 are processed to the same payment method used for the most recent deposit, where possible. This is a standard anti-fraud measure to ensure funds are returned to their verified source.

• Account verification (KYC) must be fully completed before any withdrawal is approved.
• Withdrawal requests are reviewed and processed during operational hours. Processing times vary by payment method and are indicated at the time of request.
• The minimum withdrawal amount is displayed in your account dashboard and is subject to change.
• Lucky 102 reserves the right to request additional documentation before approving a withdrawal, particularly for large amounts or where unusual account activity has been detected.
• Withdrawals of bonus funds are subject to the wagering requirements of the specific bonus offer. Uncleared bonus funds cannot be withdrawn.
• Any withdrawal request found to be associated with fraudulent behaviour will be declined and the account suspended pending investigation.

For the fastest withdrawals, make sure your account is verified, your payment details are up to date and the withdrawal method matches your deposit method. JazzCash and Easypaisa withdrawals for verified accounts are typically among the fastest options available.

Lucky 102 is not responsible for delays caused by third-party payment providers, bank processing times or network issues outside of the platform's control.

Lucky 102 offers various bonuses and promotional offers to both new and existing players from time to time. All bonuses are subject to their individual terms and conditions, which are published alongside each offer and should be read carefully before opting in.

• All bonuses are subject to wagering requirements. The wagering requirement specifies how many times the bonus amount (and in some cases the deposit amount) must be wagered before a withdrawal can be requested.
• Bonuses must be claimed and used within their stated validity period. Expired bonuses are automatically removed from accounts.
• Only one bonus may be active at a time unless the specific promotion states otherwise.
• Free bets and free spins winnings may be subject to a maximum conversion cap, which will be clearly stated in the offer terms.
• Lucky 102 reserves the right to withdraw, modify or cancel any bonus at any time without prior notice if there is evidence of abuse or exploitation.
• Bonuses are for recreational play and are not intended as a method of guaranteed profit.

All bets placed on Lucky 102 — including cricket, PSL, T20 internationals, Football, Esports and all other sports markets — are subject to the following general betting rules:

• Bets are final once confirmed. Lucky 102 does not accept requests to cancel a confirmed bet except where an obvious error in the displayed odds has occurred.
• In the event of a sporting event being cancelled, postponed or abandoned, bets will be settled according to the rules of the specific market as stated at the time of placing the bet.
• Lucky 102 reserves the right to void any bet placed on an event where the result has been determined by corrupt or illegal means.
• Minimum and maximum stake limits apply to all markets and are displayed prior to bet confirmation.
• Live (in-play) bets are subject to additional rules regarding connectivity and timing. Lucky 102 is not responsible for bets that fail to register due to network issues on the player's side.
• Odds are subject to change at any time before a bet is confirmed. The odds displayed at the moment of confirmation are the odds that apply to the bet.
• Lucky 102 reserves the right to limit bet sizes for individual players at its discretion.

PSL and T20 cricket markets are among the most popular at Lucky 102. We aim to offer deep market coverage for all major Pakistan cricket fixtures, including international home series, away tours and ICC tournaments. Market availability depends on event scheduling and may vary.

All casino games, Live Casino tables, Slots and Bingo available at Lucky 102 are operated using certified random number generation (RNG) software or live dealer studios. The outcome of all games is determined by the software or the live dealer process and cannot be influenced by the player or by Lucky 102 outside of the normal rules of each game.

• Each game has its own specific rules, displayed within the game interface. Players are responsible for understanding the rules before playing.
• In the event of a technical error or disconnection during a game, bets may be voided and stakes returned. Lucky 102 will not be liable for losses resulting from technical failures beyond its control.
• Maximum win limits may apply to specific games or game categories. These limits are stated in the game information where applicable.
• Lucky 102 reserves the right to remove, replace or suspend any game at any time without prior notice.
• Live Casino tables operate according to the rules of the specific table game (Baccarat, Roulette, Blackjack etc.) as presented by the live dealer studio. Decisions made by the live dealer are final.

If you believe a game result is incorrect, contact Lucky 102 support within 24 hours of the session. Claims made after this period may not be reviewable. Provide your game session ID (available in your account history) when raising a dispute.

The following activities are strictly prohibited at Lucky 102. Violation of any of these rules will result in account suspension, forfeiture of funds and may be reported to relevant authorities where applicable:

• Providing false, incomplete or misleading personal information during registration or verification.
• Creating more than one account or registering using another person's identity.
• Using automated software, bots, scripts or any artificial intelligence tool to place bets or interact with games.
• Exploiting software bugs, errors in odds or system vulnerabilities. Any winnings derived from exploiting errors will be voided.
• Colluding with other players in poker, Live Casino or any multiplayer game to gain an unfair advantage.
• Using the platform for any form of money laundering or financial crime.
• Threatening, harassing or abusing Lucky 102 staff or other players through any communication channel.
• Attempting to charge back deposits made to Lucky 102 through your bank or payment provider fraudulently.
• Sharing your account with any other person or allowing a third party to operate your account.

Lucky 102 reserves the right to suspend, restrict or permanently close any player account at its discretion, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms and Conditions.
• Failure to complete identity verification within a reasonable timeframe when requested.
• Suspicion of fraudulent activity, money laundering or any other illegal conduct.
• Account inactivity for an extended period (inactive account policy details are provided in the account dashboard).
• Player request — you may close your account at any time by contacting the support team.
• Self-exclusion request submitted by the player through the responsible gaming tools.

If your account is suspended for investigation, the support team will contact you via your registered contact details. During a suspension, access to the account and any pending withdrawals will be placed on hold until the review is complete.

If you wish to close your account voluntarily, any remaining real-money balance will be returned to your verified payment method after standard checks. Bonus balances that have not met wagering requirements will be forfeited upon account closure.

Lucky 102 collects and processes personal data as part of account registration, verification and platform operation. The full details of how your data is collected, used, stored and protected are set out in the Privacy Policy, which forms part of these Terms and Conditions.

By registering at Lucky 102, you consent to the collection and use of your personal data as described in the Privacy Policy. Key points include:

• Your personal information is used for account management, identity verification, payment processing and fraud prevention.
• Lucky 102 does not sell your personal data to third parties.
• Data is stored securely using industry-standard encryption protocols.
• You have the right to request access to, correction of, or deletion of your personal data, subject to legal and regulatory retention requirements.

Lucky 102 is committed to promoting responsible gaming. We provide a range of tools to help players manage their gaming activity and stay in control of their budget and time. These tools are available within your account settings and include:

• Deposit limits — set daily, weekly or monthly deposit caps to manage your spending.
• Session time reminders — receive notifications after you have been playing for a set duration.
• Self-exclusion — take a break from Lucky 102 for a defined period or permanently.
• Reality checks — periodic pop-up reminders showing how long you have been logged in.

Lucky 102 encourages players to treat the platform as entertainment and to set budgets they are comfortable with before they start playing. Gambling should never be used as a way to recover financial losses or as a source of income. If you feel your gaming is becoming difficult to control, please use the self-exclusion tool or contact our support team immediately.

Further guidance is available on the Responsible Gaming page. Lucky 102 is strictly for players aged 18 and above.

To the maximum extent permitted by applicable law, Lucky 102 shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of the platform, including but not limited to:

• Loss of winnings due to technical errors or third-party payment failures outside of Lucky 102's direct control.
• Interruptions to service caused by maintenance, updates or force majeure events.
• Losses resulting from a player's failure to comply with these Terms and Conditions.
• Decisions made by live dealers or game outcomes generated by certified RNG software.
• Unauthorised access to a player's account resulting from the player sharing their credentials.

Lucky 102's total liability to any player in connection with their use of the platform shall not exceed the total amount deposited by that player in the 30 days preceding the event giving rise to the claim.

Nothing in these terms limits Lucky 102's liability for fraud, gross negligence or any other liability that cannot be excluded or limited under applicable law.

Lucky 102 reserves the right to update or amend these Terms and Conditions at any time. When changes are made, the updated version will be published on this page with a revised "Last Updated" date. For significant changes, we will make reasonable efforts to notify registered players via the contact details on file.

Your continued use of Lucky 102 after the publication of updated terms constitutes your acceptance of those changes. If you do not agree with any changes, you should stop using the platform and contact support to close your account.

We recommend checking this page periodically, particularly before making a deposit or claiming a bonus, to ensure you are aware of the most current version of the terms.

If you have any questions about these Terms and Conditions, or if you need to raise a complaint or dispute, the Lucky 102 support team is available around the clock. We aim to respond to all queries promptly and professionally.

• Support is available 24 hours a day, seven days a week.
• For account-related questions, please have your registered mobile number and account details ready.
• For disputes, please provide your account ID, the relevant transaction or game session ID and a clear description of the issue.
• Email: [email protected] (displayed for reference — not a clickable link)

Additional information including answers to common questions about deposits, withdrawals, bonuses and account verification can be found in the FAQ section. For responsible gaming enquiries, visit the Responsible Gaming page.