Terms and Conditions – To Jay Online Gaming Pakistan

By accessing the To Jay website at tojay.click, creating an account, making a deposit or participating in any game or promotion, you confirm that you have read and fully accepted these Terms and Conditions in their entirety. These terms form a legally binding agreement between you and To Jay.

If you do not agree with any part of these terms, you must not register an account or use the To Jay platform in any way. Continued use of the site after any update to these terms constitutes acceptance of the revised version.

These Terms and Conditions should be read alongside the Privacy Policy and Responsible Gaming policy, both of which form part of the full agreement between you and To Jay.

To register and use To Jay, you must meet all of the following eligibility requirements at the time of registration and throughout your use of the platform:

• You must be at least 18 years of age. To Jay does not permit minors to register or play under any circumstances.
• You must be accessing the platform voluntarily and for personal entertainment purposes only.
• You must not be a current employee, contractor, agent or family member of an employee of To Jay or any associated supplier.
• You must not be under self-exclusion at To Jay or any related gaming platform.
• You must be the legal owner of the payment method used for deposits and withdrawals.

To Jay reserves the right to request age verification or identity documentation at any time. If you cannot provide satisfactory verification, your account may be suspended and any pending withdrawals held pending review.

Each person may hold only one To Jay account. Creating duplicate accounts — whether using the same device, payment method, IP address or personal details — is a violation of these terms and will result in account suspension and forfeiture of all balances, including any bonuses.

When registering, you agree to provide accurate, complete and up-to-date information. This includes your full legal name, mobile number and any other details requested during the sign-up process. Providing false or misleading information is grounds for immediate account termination.

You are solely responsible for maintaining the confidentiality of your account password. To Jay will never ask for your password via email, SMS or chat. If you believe your account has been compromised, contact support at support@tojay.click immediately.

• One account per person, household and device.
• All registration information must be accurate and truthful.
• Sharing your account credentials with any other person is not permitted.
• To Jay reserves the right to close duplicate or fraudulent accounts at any time.

All deposits at To Jay are processed in Pakistani Rupees (PKR). The minimum deposit is Rs 200. Accepted deposit methods include Easypaisa, JazzCash, NayaPay, SadaPay, IBFT bank transfer and Visa/Mastercard debit cards.

Deposits made to your To Jay account are for the purpose of gaming activity only. To Jay does not charge any fee on deposits, though your payment provider may apply their own transaction charges — please check with your provider.

• Minimum deposit: Rs 200
• Accepted: Easypaisa, JazzCash, NayaPay, SadaPay, IBFT, Visa/Mastercard
• All deposits must come from payment methods registered in your own name.
• Third-party deposits — funds sent by someone other than the account holder — are not permitted.
• To Jay is not responsible for delays caused by payment providers or banking infrastructure.
• Deposits that cannot be confirmed by our payment system within 24 hours will be investigated and resolved within 2 business days.

You may request a withdrawal of your available balance at any time, subject to the conditions outlined in this section. Withdrawals are processed to the same payment method used for your most recent deposit where technically possible.

The minimum withdrawal amount is Rs 500. Easypaisa and JazzCash withdrawals are typically completed in under 10 minutes. Bank transfers via IBFT are processed within a few hours depending on your bank's clearing schedule. Visa/Mastercard withdrawals follow the card network's standard processing time of 1 to 2 business days.

• Minimum withdrawal: Rs 500
• Withdrawals will only be sent to payment methods in the account holder's own name.
• To Jay does not charge withdrawal fees. Provider fees, if any, are the player's responsibility.
• Bonus funds must satisfy the applicable wagering requirement before they can be withdrawn.
• To Jay reserves the right to request identity verification before processing any withdrawal.
• Suspected fraudulent withdrawal requests will be reviewed and may be delayed pending investigation.

From time to time, To Jay offers bonuses and promotional credits to new and existing players. Each bonus offer is subject to its own specific terms, which will be clearly stated at the point of the offer. The general rules below apply to all bonuses unless a specific promotion states otherwise.

• Bonuses are credited to your To Jay wallet and are subject to wagering requirements before withdrawal.
• The standard wagering requirement for a deposit match bonus is 30× the bonus amount unless the promotion terms state differently.
• Wagering on certain game types may contribute at reduced rates toward meeting the requirement — this will be stated in the relevant promotion terms.
• Bonuses are non-transferable and can only be used by the registered account holder.
• Only one bonus may be active per account at any time unless the promotion explicitly states otherwise.
• To Jay reserves the right to withdraw or amend any bonus offer at any time with reasonable notice.
• Players found to be abusing bonus offers — including through multi-accounting, arbitrage strategies or systematic exploitation — will have their bonuses cancelled and may have their accounts suspended.

All games available at To Jay operate under their own individual game rules, which are accessible from within each game interface. By placing a bet in any game, you confirm that you understand and accept the rules for that game.

RNG-powered games at To Jay use certified random number generators that have been independently tested for fairness. Live dealer games use physical cards and equipment dealt in front of cameras — results are determined by real-world physical outcomes and are not controlled by software after the dealing process begins.

• Game outcomes are determined by certified RNG or live physical dealing and cannot be influenced by To Jay after a round begins.
• In the event of a technical malfunction during a game round, the round will be voided and bets returned to the player's wallet.
• If a discrepancy exists between a displayed game result and the server record, the server record is the definitive outcome.
• To Jay reserves the right to withhold winnings from a round where there is reasonable evidence of a software error or exploit.

The following activities are strictly prohibited at To Jay and will result in account suspension, forfeiture of funds and, where applicable, reporting to relevant authorities:

• Creating more than one account per person.
• Using automated software, bots, scripts or any form of artificial intelligence to play games or interact with the platform.
• Collusion with other players to gain an unfair advantage in any game.
• Exploiting software bugs, errors or loopholes to obtain credits or game outcomes that would not occur under normal play.
• Using the platform for money laundering or any other criminal activity.
• Depositing funds obtained through fraudulent payment methods or chargebacks.
• Reverse-engineering, copying or reproducing any part of the To Jay platform.
• Attempting to access any account other than your own.

Gaming at To Jay is intended to be an enjoyable leisure activity. We take our responsibility to support player wellbeing seriously and provide a range of tools to help players stay in control.

The following responsible gaming tools are available to all registered To Jay players from within the account settings:

• Deposit limits — set daily, weekly or monthly caps on how much you can deposit.
• Session timers — receive a notification after a set period of continuous play.
• Reality checks — regular in-game reminders showing session time and net results.
• Self-exclusion — request a temporary break or permanent closure of your account at any time.
• Account cooling-off — a short-term pause option for players who want a brief break without full exclusion.

If you are concerned about your gaming habits, please visit our Responsible Gaming page for further support resources. Self-exclusion requests are processed within 24 hours and cannot be reversed during the exclusion period.

To Jay reserves the right to suspend or close any account at any time in the following circumstances:

• Breach of any of these Terms and Conditions.
• Evidence of fraudulent activity, chargebacks or disputed payments.
• Suspicion of money laundering or criminal activity.
• Failure to provide identity verification documents when requested.
• Discovery that the account holder is under 18 years of age.
• A player's own request for self-exclusion or account closure.

Where an account is suspended pending investigation, To Jay will contact the account holder at the registered email or mobile number. If the investigation clears the account, it will be reinstated. If a violation is confirmed, the account will be permanently closed and any remaining balance may be forfeited depending on the nature of the violation.

Players who wish to voluntarily close their account can do so at any time by contacting support. Any verified remaining balance will be returned to the player's registered payment method.

The collection, storage and use of your personal information by To Jay is governed by our Privacy Policy, which you are encouraged to read alongside these Terms and Conditions.

In brief: To Jay collects only the personal data necessary to operate your account and process transactions. We do not sell your data to third parties for marketing purposes. All data is stored using AES-256 encryption. You have the right to request access to, correction of or deletion of your personal data at any time by contacting support@tojay.click.

By registering, you consent to To Jay processing your personal data as described in the Privacy Policy. You may withdraw this consent at any time by requesting account closure, though this will terminate your ability to use the platform.

To Jay provides its platform on an "as is" basis and makes no warranties about the uninterrupted or error-free availability of the site or any game. While we work hard to maintain platform stability, we cannot guarantee that the service will always be available without technical issues.

To Jay's liability to any player is limited to the verified balance held in that player's account at the time of any dispute. To Jay is not liable for:

• Losses arising from a player's voluntary game decisions.
• Interruptions to service caused by circumstances beyond our reasonable control, including network outages, power failures or force majeure events.
• Delays in deposits or withdrawals caused by third-party payment providers.
• Any indirect, consequential or punitive loss claimed by a player.

To Jay may update these Terms and Conditions at any time. When material changes are made, we will notify registered players via the email address or mobile number associated with their account at least 7 days before the changes take effect.

The most current version of these Terms and Conditions is always available at tojay.click/terms-conditions. The "last updated" date at the top of this page reflects when the current version was published.

Continued use of the To Jay platform after any update takes effect constitutes acceptance of the revised terms. If you do not agree with the updated terms, you should close your account before the effective date of the changes.

If you have any questions about these Terms and Conditions, or if you wish to raise a complaint about any aspect of the To Jay platform, please contact us using the details below.

All complaints will be acknowledged within 24 hours and investigated within 5 business days. Complex cases may require additional time, but we will keep you informed of progress throughout.

Related policies worth reading alongside these terms: