hm77 Terms & Conditions

By accessing, registering on, or using the hm77 platform — including its website at hm77.net, any associated mobile applications, and all gaming services provided thereunder — you ("Player", "User", "Account Holder") confirm that you have read, understood, and unconditionally agree to be bound by these Terms & Conditions ("Terms"), together with the hm77 Privacy Policy, Responsible Gaming Policy, and any game-specific or promotion-specific rules published on the platform.

If you do not agree to these Terms in full, you must immediately cease using the hm77 platform and close your account. Continued use of the platform following any update to these Terms constitutes acceptance of the revised Terms as of the date of publication.

Age Requirement: You must be at least 21 years of age to register and maintain an account on hm77. By registering, you warrant and represent that you meet this minimum age requirement. hm77 takes the protection of minors extremely seriously and reserves the right to request proof of age at any time.

Single Account Policy: Each individual may register only one (1) account on hm77. Duplicate accounts — identified by matching CNIC number, mobile number, device identifier, IP address, payment method, or any combination thereof — are strictly prohibited. All duplicate accounts will be permanently suspended and any funds held within them will be forfeited pending investigation.

Registration Information: You agree to provide accurate, complete, and current information during registration, including your full legal name as it appears on your CNIC, a valid Pakistani mobile number, and a valid email address. You are responsible for keeping this information up to date. Providing false information during registration constitutes a material breach of these Terms.

Geographic Restrictions: hm77 services are intended for players who are legally permitted to participate in online gaming under the laws applicable to their jurisdiction. It is your sole responsibility to ensure that accessing and using hm77 is lawful in your jurisdiction before registering or placing any wager.

Account Security: You are solely responsible for maintaining the confidentiality of your username, password, and any two-factor authentication credentials associated with your hm77 account. You must not share your login credentials with any third party. hm77 will not be held liable for any losses arising from unauthorised account access resulting from your failure to maintain the security of your credentials.

hm77 operates a Know Your Customer ("KYC") verification process in accordance with internationally recognised anti-money laundering (AML) and responsible gaming standards. You may be required to submit identity verification documents at the point of registration, before processing your first withdrawal, or at any time that hm77 deems verification necessary.

Documents that may be requested include:

• A clear copy of your Pakistani National Identity Card (CNIC) — front and back.
• Proof of address — a utility bill, bank statement, or other official document issued within the last three months, showing your name and residential address.
• Proof of payment method — a screenshot or statement confirming ownership of the JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, or other payment account used for deposits.
• A selfie photograph holding your CNIC — where enhanced identity verification is required.
• Source of funds documentation — for accounts with high transaction volumes or where required by hm77's AML compliance framework.

hm77 reserves the right to suspend withdrawals or restrict account activity pending completion of the KYC process. Accounts that fail to complete KYC within the timeframe specified by hm77 may be closed, and funds held in such accounts may be retained pending compliance review.

Currency: All transactions on hm77 are denominated in Pakistani Rupees (PKR). hm77 does not charge currency conversion fees on PKR transactions. Where a player's payment provider applies their own conversion or transaction fees, those charges are the responsibility of the player.

Accepted Payment Methods: hm77 currently accepts deposits and processes withdrawals via JazzCash, EasyPaisa, HBL Online Banking, UBL Omni, Meezan Bank, SadaPay, and USDT (Tether). hm77 reserves the right to add, remove, or modify accepted payment methods at any time with reasonable notice.

Deposit Limits: Minimum and maximum deposit limits vary by payment method and are displayed in the hm77 cashier at the time of transaction. Deposits are generally credited to your hm77 account balance within minutes of confirmation by the payment provider.

Withdrawal Processing: Withdrawal requests are subject to the following conditions:

• Your account must be fully KYC-verified before any withdrawal is processed.
• Withdrawals must be made to a payment method registered in your own name — third-party withdrawals are strictly prohibited.
• Any active bonus wagering requirements must be satisfied before a withdrawal request involving bonus funds will be approved.
• Standard withdrawal processing time is same-day to 24 hours for verified accounts. Complex verification cases may take up to 5 business days.
• hm77 reserves the right to request additional documentation for withdrawals that trigger AML review thresholds.

Refused Transactions: hm77 reserves the right to refuse or reverse any transaction that it has reasonable grounds to believe is connected to fraudulent activity, bonus abuse, money laundering, or any violation of these Terms.

hm77 offers a range of bonuses, free spins, cashback offers, and promotional credits to eligible players. All bonuses are subject to the following general conditions, in addition to any promotion-specific terms published alongside each offer:

• Wagering Requirements: Bonus funds must be wagered a specified number of times (the "wagering requirement") before they may be withdrawn as real money. The applicable wagering requirement for each bonus is stated in the promotion terms.
• Eligible Games: Not all games on hm77 contribute equally — or at all — toward the satisfaction of wagering requirements. Game contribution rates are specified in the applicable promotion terms. Live casino games and certain table games may have reduced or zero contribution rates.
• Expiry: All bonuses carry an expiry period. Bonus funds and associated wagering requirements that are not completed within the specified period will be forfeited automatically.
• Maximum Withdrawal: Some promotional offers impose a maximum withdrawal cap on winnings derived from bonus funds. Any winnings exceeding this cap may be removed from your balance at the time of withdrawal processing.
• One Bonus at a Time: Unless explicitly stated otherwise, players may hold only one active bonus at a time. Opting into a new bonus while an existing bonus is active may result in forfeiture of the prior bonus.
• Bonus Abuse: hm77 employs detection systems to identify bonus abuse, including low-risk hedging strategies designed to exploit promotional offers. Accounts found to be engaging in bonus abuse will have their bonus funds voided and may be permanently restricted from future promotional offers.

hm77 reserves the right to modify, suspend, or cancel any promotional offer at any time, with or without notice. In the event of any discrepancy between a promotional advertisement and these Terms, these Terms shall prevail.

All games available on hm77 — including slots, live casino titles, and sports betting markets — operate under certified Random Number Generator (RNG) technology or live dealer protocols provided by licensed third-party game studios. All games are independently audited for fairness and RTP accuracy.

Bet Acceptance: hm77 reserves the right to refuse, void, or limit any bet at its sole discretion. This includes, without limitation, bets placed after an event has concluded ("late bets"), bets placed on erroneous odds or prices, and bets that exceed the maximum stake limits applicable to a given market or game.

Technical Malfunctions: In the event of a technical malfunction, software failure, or connectivity issue affecting the integrity of a game or betting market, hm77 reserves the right to void affected bets and return stakes to players. hm77 will not be liable for any losses claimed to result from a malfunction or technical error.

Disconnection Policy: For live casino games interrupted by a player's connection failure, the outcome recorded by hm77's server at the time of disconnection shall be the official result. hm77 is not responsible for losses resulting from a player's internet connection issues.

Suspected Irregular Play: hm77 monitors all gaming activity for patterns consistent with the use of automated software, artificial intelligence assistance, or coordinated play strategies. Accounts displaying such patterns will be investigated and may be suspended pending review.

The following activities are strictly prohibited on the hm77 platform and constitute material breaches of these Terms, subject to immediate account suspension, forfeiture of funds, and referral to law enforcement where applicable:

• Registering or operating more than one account on hm77.
• Providing false, misleading, or fraudulent information during registration or the KYC process.
• Using the hm77 platform for any form of money laundering or financial crime.
• Attempting to manipulate, reverse-engineer, or exploit any game, software, or system operated by hm77.
• Using automated bots, scripts, or AI-assisted software to place bets or interact with any part of the hm77 platform.
• Engaging in collusion with other players in any game where such collusion would constitute cheating.
• Seeking to profit from match-fixing, insider information, or any other corrupt activity in connection with sports betting markets.
• Abusing bonus offers, promotional credits, or referral programs through artificial account creation or coordinated exploitation.
• Sharing, selling, or transferring your hm77 account to any third party.
• Using the hm77 platform while knowingly subject to a self-exclusion order, whether imposed voluntarily or by hm77.

hm77 is committed to providing a safe, responsible, and enjoyable gaming environment for all Pakistani players. Gambling should be a form of entertainment, not a means of generating income or resolving financial difficulties. hm77 provides a suite of responsible gaming tools that all players can access directly from their account settings at any time.

Available Responsible Gaming Tools:

• Deposit Limits: Set daily, weekly, or monthly PKR deposit limits. Limit increases require a 72-hour cooling-off period before taking effect; limit decreases take effect immediately.
• Loss Limits: Set maximum loss amounts per session, per day, per week, or per month.
• Session Time Limits & Reality Checks: Configure automatic session reminders at intervals of your choosing. Forced session breaks can also be activated.
• Cooling-Off Periods: Temporarily suspend your account for periods ranging from 24 hours to 30 days. Your account cannot be reopened before the selected period expires.
• Self-Exclusion: Permanently self-exclude your account from all hm77 services. Self-exclusion is irreversible for a minimum period of 6 months and cannot be lifted upon simple request. Players who have self-excluded must not attempt to re-register on the platform.

If you believe your gambling may be causing harm to yourself or others, hm77 strongly encourages you to make use of these tools and to seek support from qualified gambling support organisations. hm77's dedicated Responsible Gaming page contains additional guidance and links to support resources.

All content on the hm77 platform — including but not limited to the hm77 brand name, logo, website design, graphics, text, software, game interfaces, and promotional materials — is the exclusive intellectual property of hm77 or its licensed content providers. All rights are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the hm77 platform solely for your personal, non-commercial gaming purposes, subject to your compliance with these Terms. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any hm77 content without prior written authorisation from hm77.

Any feedback, suggestions, or ideas you submit to hm77 regarding the platform or its services may be used by hm77 freely, without any obligation to compensate you or acknowledge your contribution.

To the maximum extent permitted by applicable law, hm77 shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the hm77 platform, including — without limitation — loss of winnings, loss of data, loss of goodwill, or financial losses resulting from:

• Technical failures, server outages, or internet connectivity issues affecting access to the platform.
• Errors in game outcomes caused by software malfunctions, which hm77 will correct by voiding affected bets and returning stakes.
• Delays in payment processing caused by third-party payment providers including JazzCash, EasyPaisa, or banking institutions.
• Unauthorised account access resulting from the player's failure to secure their login credentials.
• Changes to applicable laws or regulations that affect the legality of online gaming in a player's jurisdiction.

hm77's total cumulative liability to you for any claim arising under these Terms shall not exceed the total amount deposited by you into your hm77 account in the twelve (12) months preceding the date on which the claim arose.

Nothing in these Terms shall exclude or limit hm77's liability for fraud, willful misconduct, or any other liability that cannot be excluded or limited under applicable law.

hm77 collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms an integral part of these Terms. By registering on hm77, you consent to the collection and processing of your personal data as described in the Privacy Policy.

hm77 will not sell your personal data to third parties. Your data is used for account management, identity verification, fraud prevention, responsible gaming monitoring, and improvement of the hm77 platform. Full details of how your data is handled are available in the hm77 Privacy Policy.

hm77 reserves the right to amend, update, or replace these Terms at any time. Where changes are material, hm77 will provide reasonable notice to registered players via email or an in-platform notification prior to the amended Terms taking effect. The date of the most recent revision is displayed at the top of this page.

Your continued use of the hm77 platform following notification of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using the platform and may close your account in accordance with the account closure procedure.

These Terms and any dispute or claim arising out of or in connection with them — including non-contractual disputes — shall be governed by and construed in accordance with the laws of the jurisdiction in which hm77 holds its international gaming licence.

Dispute Resolution: In the event of a dispute between you and hm77, you are encouraged to first contact hm77 Player Support via the in-account live chat or by email to attempt an informal resolution. hm77 commits to responding to all formal dispute submissions within five (5) business days.

If a dispute cannot be resolved informally, it shall be referred to binding arbitration under the rules of an internationally recognised arbitration body as designated by hm77. The outcome of arbitration shall be final and binding on both parties.

Nothing in this clause prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction where such relief is necessary to prevent imminent and irreparable harm.

If you have any questions about these Terms & Conditions or wish to raise a formal dispute, please contact the hm77 support team through any of the following channels:

• Live Chat: Available 24/7 directly from your hm77 account dashboard. Average first response time is under 90 seconds.
• Email: [email protected] — Please include your registered account username and a clear description of your query.
• Support Hours: 24 hours a day, 7 days a week, including Pakistani public holidays (PST).

hm77 is committed to handling all player queries and formal complaints promptly, fairly, and transparently. All communications are conducted in English and Urdu.