Reference

Legal Ground Rules for Your Account

Your wallet, your cash-in and your withdrawal all run on rules we publish up front rather than explain after something goes wrong.

Read before you depositPlain wording, no fine printRegion-aware accessWallet-name matching

See the lobby Read FAQ

Jurisdiction, Wallet Names and Transfer Records

joya77 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Nothing on this page overrides the rules that apply where you live. Eligibility to open an account and use the lobby depends on your local law and eligible regions, so read the terms in full before you deposit. What we can tell you plainly is how

1
the mechanics work. Your wallet sits inside your account, funded through bKash, Nagad or Rocket, and every credit and debit carries a reference you can match against your mobile wallet statement. Where a payment route is unavailable for your region, the cashier screen simply will not
2
offer it — we would rather show you a shorter list than fail a transfer. Disputes go through written records first: the timestamp on the transfer, the wallet reference, and the account ledger line. That is also why we ask you to send from a wallet
3
registered in your own name; a third-party transfer is the commonest reason a cash-in gets held. If the law in your area changes, the rules here change with it and we will say so on this page. Nothing about that is hidden in a separate document.
4
If any clause reads unclear, message support before you act on it — a short question now saves a long argument later. We keep the wording plain on purpose; legal text that nobody understands protects nobody.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

POLICY HELP DESK

Where to Ask About a Clause

Questions about a clause, a held transfer or a restricted route all reach the same desk. Tell us the wallet you used — bKash, Nagad or Rocket — and the reference number from your statement, and the agent can pull the ledger line while you are still on the chat. Players in Chattogram sit in the same queue as everyone else; there is no separate lane for the bigger cities. When a reply needs the policy team rather than the front desk, we pass it on and come back to you on the same thread instead of making you start over.

In-account live chat Open the chat panel from your account wallet screen and paste the wallet reference. Agents read the ledger line with you, so you are not repeating the same transfer details to three different people.

Written disputes by email Send the clause number, the wallet statement image and the date of the transfer. A written thread suits a dispute because both sides keep the same record and nothing is lost when a shift changes.

Rule changes on this page When a rule changes, the new wording lands here first and your account message points back to it. Ask for the earlier version and we will send the text you actually agreed to.

DATA AND RECORDS

How We Hold and Share Your Data

What you tell us stays tied to your account and the reason we collected it. We use your wallet number to match transfers and your device details to flag a login that is not yours. Cookies remember your language and session, so you are not signing in again on every screen. Closing your account stops new activity. Ledger entries stay for the period our accounting and dispute handling need them, then they go. You can ask what we hold, ask for a correction, or ask us to remove what we are not required to keep.

Wallet name matching

The name on your bKash, Nagad or Rocket account has to match the name on your account here. That one rule keeps a cash-in from being frozen while we work out who sent it.

Device and login checks

A new phone or a login from an unfamiliar network asks for the OTP again. It is a small delay, and it is the reason a stolen password alone cannot move money out of your wallet.

Cookies we set

Two kinds sit in your browser: the session cookie that keeps you signed in, and a preference cookie for language. Neither carries your wallet balance, and clearing them only means signing in once more.

Requesting changes

Write in from the contact channel on your account and say what you want changed or removed. If we cannot delete something, we name the reason and how long we must hold it.

Answers on Access, Data and Account Rules

A few questions reach our desk more than any other, and most of them are about access, wallet names and what we keep on file. The answers below stick to what we actually do, so you can check them against your own statement. If your situation is not covered, ask us directly and we will read the clause with you rather than send a link.

Yes. Access depends on your local law and eligible regions, and we cannot open an account where the service is not permitted. The cashier only shows the wallets that work for your region.

Usually the wallet statement showing the reference, the sender name, and a screenshot of the confirmation screen. Send all three at once and the check runs in one pass instead of three.

No. Cash-ins must come from a wallet in your own name. A transfer from a friend gets held, and we ask you to send it back through the same route before anything is credited.

Ask from the contact channel registered on your account. We list the account details, wallet references and device records we keep, and you can request a correction if something is wrong.

Withdraw what is in the wallet first, using the same bKash, Nagad or Rocket account you funded it with. Closing stops new activity, and ledger entries stay for as long as our accounting needs them.

Reply on the same support thread and ask for the policy team to look again. Quote the clause and the reference number, so the second check starts from the record rather than from memory.

Reference

Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.

InfoPrivacy Policy AccountRegister InfoAbout Us

Legal Ground Rules for Your Account

Where to Ask About a Clause

How We Hold and Share Your Data

Wallet name matching

Device and login checks

Cookies we set

Requesting changes

Answers on Access, Data and Account Rules

01 Does using joya77 depend on where I live?

02 What can I be asked for when a transfer is held?

03 Can a friend send money into my account?

04 How do I find out what data you hold about me?

05 What happens to my balance if I close my account?

06 Who do I contact if I disagree with a decision?

Legal

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