12bank Terms and Conditions

01 Introduction

Welcome to 12bank. These Terms and Conditions ("Terms") form a legally binding agreement between you ("the Player") and 12bank ("the Platform", "we", "us"). By accessing the 12bank website at https://12bank.org, downloading the 12bank app, registering an account, or placing any wager, you confirm that you have read and accepted these Terms in full.

12bank is an online gaming platform operated for players in Bangladesh. The platform offers a range of games including live dealer tables, fishing games, bingo, slots, and other interactive gaming products. All games on 12bank are governed by certified random number generator systems and are subject to the rules set out in these Terms.

These Terms should be read alongside the 12bank Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and 12bank.

02 Eligibility

To register and play on 12 bank, you must meet all of the following eligibility requirements:

• You must be at least 18 years of age at the time of registration.
• You must be physically located in a jurisdiction where online gaming is not prohibited by local law.
• You must not be registered on any self-exclusion list, including 12bank's own exclusion register.
• You must be registering as an individual acting on your own behalf — not as an agent or representative of another person.
• You must not have had a previous 12bank account that was closed due to a breach of these Terms.

12bank does not knowingly accept registrations from minors. If we discover that an account has been registered by a person under 18, the account will be immediately closed, all winnings will be voided, and any deposited funds will be returned to the original payment source after deducting any bonuses claimed.

03 Account Registration

Each player is permitted to hold only one active account on 12bank. Registering multiple accounts — whether under the same name, the same device, the same IP address, or the same payment method — is a breach of these Terms and will result in all associated accounts being permanently closed.

When registering, you must provide accurate and complete information including your full legal name, date of birth, valid mobile number, and a working email address. You are responsible for keeping this information up to date. If your contact details change, you must update your account profile promptly.

• Account registration is free and takes less than two minutes on the 12bank platform.
• You must create a strong, unique password for your 12bank account.
• You must not share your login credentials with any other person.
• 12bank will never contact you to ask for your password — any such request is fraudulent.
• You are fully responsible for all activity that occurs under your account.

04 Deposits

12bank accepts deposits via bKash, Nagad, Rocket, and DBBL mobile banking. All deposit methods are processed in Bangladeshi Taka (BDT). Deposits are credited to your 12bank wallet instantly in most cases, though occasional delays of up to 10 minutes may occur during peak periods.

• The minimum deposit amount is ৳200.
• There is no maximum deposit limit, though large deposits may trigger an additional verification step.
• 12bank does not charge any fees on deposits. Your mobile banking provider may apply their own transaction charges.
• Deposits must be made from a payment account registered in your own name. Third-party deposits are not permitted.
• If a deposit does not appear in your wallet within 15 minutes, contact 12bank live chat with your transaction reference number.

05 Withdrawals

Withdrawals from 12bank are processed to the same payment method used for your most recent deposit. This policy exists to prevent money laundering and to protect players from unauthorised withdrawals. Withdrawals are processed within 15 minutes on average during normal operating hours.

• The minimum withdrawal amount is ৳500.
• The maximum single withdrawal is ৳500,000. Larger amounts may be split across multiple transactions.
• Withdrawals requested before completing any applicable bonus wagering requirements will be declined until the requirement is met.
• 12bank reserves the right to request identity verification documents before approving any withdrawal.
• Withdrawal requests submitted outside of 06:00–23:00 Bangladesh Standard Time may be processed the following morning.

06 Bonuses and Promotions

12bank offers a range of bonuses and promotional offers to both new and existing players. All bonuses are subject to the specific terms published alongside each offer, as well as the general bonus rules set out here. In the event of a conflict, the specific offer terms take precedence.

• The standard wagering requirement for all deposit bonuses is 20x the bonus amount unless stated otherwise in the specific offer.
• Bonuses must be used within the validity period stated in the offer. Expired bonuses are automatically removed from your account.
• Only one bonus may be active at a time unless the specific offer states otherwise.
• Free spins winnings are subject to a 10x wagering requirement before withdrawal.
• Bonuses are non-transferable and have no cash value until wagering requirements are fully met.
• 12bank reserves the right to withdraw any bonus offer at any time without prior notice.

Promotional offers on 12bank are designed around the Bangladeshi calendar, including Eid, Pohela Boishakh, and major cricket tournaments. Check the Current Offers page regularly for the latest promotions available to your account.

07 Gameplay Rules

All games on 12bank operate using certified random number generator (RNG) technology. Game outcomes are entirely random and cannot be influenced by the player, 12bank staff, or any third party. The return-to-player (RTP) percentage for each game is documented in the game information panel.

• Once a bet is confirmed and the game round begins, it cannot be cancelled or reversed.
• In the event of a disconnection during a game round, the round will be completed automatically by the system. The result will be recorded and your balance updated accordingly.
• If a game malfunctions or produces an error during a round, all bets placed in that round will be voided and stakes returned to player wallets.
• Live dealer game rules are governed by the specific rules displayed within each game interface.
• 12bank reserves the right to void any bet placed on an event where a clear pricing error has occurred.

08 Prohibited Activities

The following activities are strictly prohibited on the 12bank platform. Engaging in any of these activities will result in immediate account suspension, forfeiture of all balances, and may be reported to relevant authorities.

• Using automated betting software, bots, scripts, or any artificial intelligence tool to place bets or interact with the platform.
• Colluding with other players to gain an unfair advantage in any game, particularly in live dealer or multiplayer formats.
• Exploiting software bugs, glitches, or errors to generate winnings. Any winnings obtained through exploitation will be voided.
• Attempting to hack, reverse-engineer, or interfere with the 12bank platform or its underlying systems.
• Using the 12bank platform for any money laundering activity or to process funds derived from illegal sources.
• Registering an account on behalf of another person or allowing another person to use your account.
• Providing false identity information during registration or KYC verification.

09 Account Security

You are solely responsible for maintaining the security of your 12bank account. This includes choosing a strong password, not sharing your credentials, and enabling two-factor authentication where available. 12bank cannot be held liable for losses resulting from unauthorised access to your account where you have failed to take reasonable security precautions.

• Use a unique password for your 12bank account that you do not use on any other platform.
• Enable two-factor authentication (2FA) through your account security settings.
• Log out of your account when using shared or public devices.
• If you suspect your account has been accessed without your permission, contact 12bank support immediately and change your password.
• 12bank will never ask for your password via live chat, email, or phone.

10 Privacy and Data

12bank collects and processes personal data in accordance with its Privacy Policy. By registering on 12bank, you consent to the collection and use of your data as described in that policy. Key points include:

• Your personal data is used to operate your account, process transactions, verify your identity, and comply with legal obligations.
• 12bank does not sell your personal data to third parties for marketing purposes.
• Transaction data is retained for a minimum of 5 years in compliance with financial record-keeping requirements.
• You have the right to request a copy of the data 12bank holds about you by contacting [email protected].

For full details on how 12bank handles your data, please review the Privacy Policy.

11 Responsible Gaming

12bank is committed to promoting responsible gaming. The platform provides a range of tools to help players manage their gaming activity, including deposit limits, session time reminders, cooling-off periods, and self-exclusion options. These tools are accessible directly from your account settings.

• Deposit limits can be set on a daily, weekly, or monthly basis and take effect immediately when reduced.
• Self-exclusion can be applied for periods ranging from 30 days to permanent exclusion.
• Players who self-exclude will not receive promotional communications from 12bank during the exclusion period.
• If you are concerned about your gaming behaviour, visit the Responsible Gaming page for resources and support options.

12 Limitation of Liability

To the maximum extent permitted by applicable law, 12bank'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.

• 12bank is not liable for any loss of profits, loss of data, or indirect damages arising from your use of the platform.
• 12bank is not responsible for internet connectivity issues, device failures, or third-party service outages that affect your ability to access the platform.
• 12bank does not guarantee uninterrupted access to the platform and may perform scheduled or emergency maintenance at any time.
• In the event of a technical error that results in an incorrect game outcome or payout, 12bank reserves the right to correct the error and adjust balances accordingly.

13 Account Termination

Either you or 12bank may close your account at any time. If you wish to close your account, contact 12bank support via live chat or email. Any real-money balance remaining in your account at the time of closure will be returned to your registered payment method, provided all wagering requirements have been met and no outstanding verification is pending.

12bank reserves the right to suspend or permanently close any account at its discretion, including but not limited to cases where:

• A breach of these Terms has been identified or is suspected.
• The account holder is found to be under 18 years of age.
• Fraudulent activity, money laundering, or collusion is detected.
• The account has been inactive for more than 12 consecutive months.
• A self-exclusion request has been submitted by the account holder.

14 Disputes

If you have a complaint or dispute regarding any aspect of your 12bank account or a game outcome, you must follow the process below:

• Step 1: Contact 12bank support via live chat or email at [email protected] within 7 days of the event in question.
• Step 2: Provide your account username, the date and time of the event, and a clear description of the issue.
• Step 3: 12bank will acknowledge your complaint within 24 hours and provide a full response within 5 business days.
• Step 4: If you are not satisfied with the outcome, you may escalate the matter to the relevant gaming authority under whose licence 12bank operates.

12bank's decision on certified RNG game outcomes is final. Financial disputes are reviewed on a case-by-case basis and resolved in accordance with the evidence available.

15 Changes to Terms

12bank reserves the right to update or modify these Terms and Conditions at any time. When material changes are made, 12bank will notify registered players via email and display a notice on the platform for a minimum of 14 days before the changes take effect.

Your continued use of the 12bank platform after the effective date of any updated Terms constitutes your acceptance of the revised agreement. If you do not agree with the updated Terms, you must stop using the platform and contact support to close your account.

For any questions about these Terms and Conditions, contact the 12bank support team at [email protected] or via live chat available 24/7 on the platform.