pana365 Terms and Conditions

1.1 Definitions and Interpretation

In this document, "Platform" refers to the pana365 website, mobile applications (Android APK and iOS) and all associated digital services. "User" refers to any person who accesses the platform through a registered account or without registration. "Services" refers to all activities offered by pana365, including sports betting, casino games, live casino, bonus provision and customer support.

1.2 Application of Terms

These Terms apply to all pana365 services and remain in effect alongside other guidelines and policies published on the platform. Where a specific promotion or bonus has separate terms, those terms are considered part of these Terms. In the event of a conflict, the specific terms take precedence.

1.3 Language

These Terms are originally written in Bengali. If a translation into another language is provided, the Bengali version shall be considered final and binding.

2.1 Registration Requirements

To open an account on pana365, users must provide accurate and complete information. The name, mobile number and other details provided at registration must be genuine and valid. Opening an account with false or fabricated information is a direct violation of these Terms.

2.2 Single Account Policy

Each user may hold only one account. Creating multiple accounts under the same person is prohibited. If multiple accounts are operated using the same device, the same IP address or the same payment method, pana365 reserves the right to suspend or cancel all related accounts.

2.3 Account Security

It is your responsibility to keep your account login details, password and OTP confidential. You must not allow any third party to use your account. Any unauthorised access to your account must be reported to the pana365 customer support team immediately.

2.4 Identity Verification

pana365 may at any time request additional information or documents to verify a user's identity. Withdrawals or other activities may be temporarily suspended until the verification process is complete.

3.1 Minimum Age

All pana365 services are for persons aged 21 and above only. Anyone under the age of 21 is strictly prohibited from opening an account or using any service. If an age discrepancy is found, the account will be closed immediately and the associated funds may be withheld.

3.2 Geographic Eligibility

It is entirely the user's responsibility to verify whether online gaming or sports betting is lawful from their own location. Any consequences arising from using the platform in violation of local law are the responsibility of the user concerned.

4.1 Deposit Rules

The minimum deposit amount on pana365 is ৳300. Accepted deposit methods are bKash, Nagad, Rocket and bank transfer (such as Dutch-Bangla Bank, BRAC Bank and Islami Bank). All funds deposited by any method must come from the user's own account. Deposits made through a third party are not accepted; in such cases the funds may be returned and the account placed under investigation.

4.2 Withdrawal Rules

The minimum withdrawal amount is ৳800. Withdrawals can only be made to the same payment method used for the original deposit — bKash, Nagad, Rocket or bank transfer. Under normal circumstances, approved withdrawals are processed within 30 minutes to 3 hours.

4.3 Withdrawal Prerequisites

A user's identity verification must be complete before a withdrawal can be made. To withdraw winnings earned from a bonus, the wagering requirement set for that bonus must be met (see section 5 for details).

5.1 Welcome Bonus

New users will receive a 100% bonus on their first deposit, up to a maximum of ৳8,000. Bonus funds cannot be withdrawn directly. To withdraw winnings earned from a bonus, the bonus amount must be wagered 20 times. For example: a ৳1,000 deposit receives a ৳1,000 bonus, giving a total balance of ৳2,000; to become eligible for withdrawal, ৳1,000 × 20 = ৳20,000 must be wagered.

5.2 Bonus Usage Conditions

• Bonuses must be used within the specified time limit.
• Multiple bonus offers cannot be combined on the same deposit.
• The specific terms of each bonus offer apply separately.
• If a withdrawal is requested before the bonus wagering requirement is met, the bonus amount will be deducted and the remaining balance may be withdrawn.
• If a user attempts to abuse the bonus system, the bonus may be cancelled and the account may also be suspended.

5.3 Cashback and VIP Benefits

pana365's VIP programme has four tiers — Bronze (weekly cashback up to 0.2%), Silver (up to 0.4%), Gold (up to 0.6%) and Platinum (up to 0.8%). Weekly cashback is calculated on that week's net loss according to the applicable tier. Example: if a Gold member has a net loss of ৳20,000 in a week, a cashback of ৳20,000 × 0.6% = ৳120 applies. Advancement to a higher VIP tier depends on continued active participation.

5.4 Right to Modify Promotions

pana365 reserves the right to change, suspend or cancel the terms of any bonus offer or promotion at any time. Changes will not apply to bonuses already active.

6.1 Game Operation

All games available on pana365 — slots, live casino, baccarat, roulette, multi bet and sports betting — are operated through the systems of third-party software providers (such as Evolution, Pragmatic Play, JILI, PG Soft and Spribe). Game outcomes are determined by a Random Number Generator (RNG) and no external interference is possible.

6.2 Technical Errors

If a game is interrupted due to a lost internet connection, power failure or device malfunction, the result of that round will be determined according to the record saved on the server. The server record is considered the final proof.

6.3 Betting Limits

Minimum and maximum bet amounts apply to each game or betting market. These limits are displayed in the interface of the relevant game and may change from time to time.

6.4 Sports Betting

For bets on cricket (including BPL, IPL and T20 World Cup), football and other sports, results are determined according to the rules of the competition. A refund policy applies if a match is cancelled or abandoned. Odds may change before a match starts; the odds in effect at the moment the bet is confirmed will apply.

The following activities are strictly prohibited on the pana365 platform:

• Operating multiple accounts under the same person's name.
• Manipulating bets with the intention of strategically abusing the bonus system.
• Using the platform for money laundering or transactions involving illegal funds.
• Using automated software, bots or hacking methods.
• Operating an account with a false identity or fraudulent information.
• Defrauding or harassing other users.
• Exploiting technical vulnerabilities in the platform.

8.1 Suspension by pana365

pana365 reserves the right to temporarily or permanently suspend any account for violations of the Terms, suspicious activity or failure to cooperate with identity verification. The user will be notified by email of the reason for the suspension.

8.2 Account Closure by the User

A user may at any time request account closure through customer support. You will have the opportunity to withdraw any balance remaining in the account before it is closed; however, active bonuses and any winnings for which the wagering requirement has not yet been met will be cancelled.

8.3 Self-Exclusion

A user may opt for Self-Exclusion for a set period or permanently. While Self-Exclusion is active, it will not be possible to access the account. Full details are available on our Responsible Gaming page.

pana365 believes that gaming should be an entertainment activity. The platform is committed to helping users enjoy games in a balanced and responsible way. We offer deposit limits, session time controls and a self-exclusion option. If signs of gaming addiction appear, please seek help immediately.

pana365 never encourages users who are experiencing problems to continue playing and does not offer any incentive to bring them back. For detailed guidance and tools on responsible gaming, please read our Responsible Gaming Policy.

pana365 is committed to protecting users' personal information. Data collected during registration and transactions is used solely for service provision, identity verification and platform security. All information is kept secure using SSL encryption technology.

For full details on the type of data collected, how it is used and users' rights, please read our Privacy Policy, which sets out the data retention policy and the terms for sharing information with third parties.

10.1 Use of Cookies

The pana365 website uses cookies to improve the user experience. Cookies can be disabled by changing your browser settings, though this may limit some features.

pana365 reserves the right to amend or update these Terms at any time. A notice will be published on the website for important changes and, where applicable, users may also be informed by email. Continued use of the platform after a change takes effect will be considered acceptance of the revised Terms.

It is the user's own responsibility to stay informed of the latest Terms. We recommend reviewing this page regularly.

12.1 Customer Support

If you have any questions or complaints about these terms or pana365's services, please contact our customer support team. Support is available seven days a week, 24 hours a day, in Bengali and English. You can reach us directly via live chat or by email.

12.2 Complaint Resolution

For any dispute or complaint, please first try to resolve it through customer support. If it remains unresolved, there is a process for escalating to a higher level of review. For general questions, answers to many topics can be found on our Frequently Asked Questions (FAQ) page.

12.3 Applicable Law

These terms are governed by the laws of Bangladesh. In the event of any dispute, both parties will attempt to resolve it through discussion.