pakgem Terms & Conditions

1. Overview and Acceptance of Terms

These Terms and Conditions (hereinafter referred to as "the Terms", "these Terms", or "T&C") constitute a legally binding agreement between you (hereinafter referred to as "the Player", "you", or "User") and pakgem (hereinafter referred to as "pakgem", "we", "us", or "the Company"), governing your access to and use of the website located at pakgem.app and all associated mobile applications, progressive web apps, APIs, and services (collectively referred to as "the Platform").

By registering an account, depositing funds, placing a bet, participating in a promotional offer, or otherwise using any feature of the pakgem Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to any provision of these Terms, you must immediately cease using the Platform.

These Terms should be read in conjunction with our Privacy Policy and Responsible Gaming Policy, both of which are incorporated herein by reference and form part of the overall agreement between you and pakgem.

2. Eligibility and Age Verification

Access to and use of the pakgem Platform is strictly restricted to individuals who satisfy all of the following eligibility criteria at the time of registration and on a continuing basis throughout their use of the Platform:

• 2.1Minimum Age: You must be at least 21 years of age. This is an absolute requirement. pakgem does not permit exceptions to the minimum age rule under any circumstances, including for promotional, referral, or trial access purposes.
• 2.2Legal Capacity: You must have full legal capacity to enter into a binding contract under the laws of your jurisdiction. Individuals under legal guardianship or lacking capacity to contract are prohibited from using the Platform.
• 2.3Not Self-Excluded: You must not be subject to a self-exclusion order, either requested by yourself through the pakgem responsible gaming tools or imposed by a regulatory or judicial authority.
• 2.4Accurate Information: All information provided during registration and throughout your use of the Platform must be truthful, current, and complete. Providing false information constitutes a material breach of these Terms.
• 2.5KYC Compliance: You must submit valid CNIC documentation and any additional identity verification materials requested by the pakgem compliance team within the timeframe specified in the verification request.
• 2.6Not a Restricted Person: You must not be a director, officer, employee, consultant, or agent of pakgem or any of its affiliated companies, nor an immediate family member of such individuals.

3. Account Registration and Management

To access the full range of pakgem services — including sports betting, casino games, deposit and withdrawal functions, and promotional offers — you must register a verified account on the Platform. The following terms govern the registration process and ongoing account management obligations.

• 3.1One Account Per Person: Each individual may register and maintain only one account on the Platform. Multiple accounts registered by the same individual — whether under the same or different names, email addresses, payment methods, or device identifiers — constitute a violation of these Terms and will result in all associated accounts being closed.
• 3.2Registration Information: You are required to provide your full legal name as it appears on your CNIC, a valid and active email address, a Pakistani mobile number, your date of birth, and a secure password. All details must be accurate at the time of registration and must be kept current throughout the life of your account.
• 3.3Account Security: You are solely responsible for maintaining the confidentiality of your login credentials. pakgem will not be liable for any losses arising from unauthorised access to your account where such access results from your failure to keep credentials secure. You must notify us immediately at [email protected] if you suspect unauthorised access.
• 3.4Account Verification: pakgem reserves the right to request identity, address, source of funds, and payment method verification at any time. During the verification review period, withdrawals may be placed on hold. Failure to provide satisfactory documentation within the requested timeframe may result in account restriction or closure.
• 3.5Account Currency: All pakgem accounts are denominated in Pakistani Rupees (PKR). All deposits, wagers, winnings, bonuses, and withdrawals are processed in PKR unless otherwise specified in a specific promotional offer.
• 3.6Dormant Accounts: An account that has had no login activity for a continuous period of 12 months will be classified as dormant. pakgem reserves the right to apply an administrative maintenance fee of Rs 200 per month to dormant accounts, provided that such fee application will not reduce any balance below zero.

4. Deposits, Withdrawals, and Payment Processing

pakgem supports a range of Pakistani payment methods to facilitate deposits and withdrawals in PKR. The following terms apply to all financial transactions conducted through the Platform.

• 4.1Deposit Ownership: All deposits must be made from payment accounts held in your own name. Third-party deposits are strictly prohibited. Deposits made from accounts belonging to another individual will be reversed and the depositing account flagged for review.
• 4.2Withdrawal Verification: All withdrawals are subject to identity and payment method verification. Withdrawals will only be processed to a payment method that has been previously used to deposit into the account, or to a verified account in your own name.
• 4.3Withdrawal Holds: pakgem reserves the right to place a temporary hold on withdrawal requests pending completion of KYC verification, security review, or investigation of suspected fraudulent activity. We will notify you if a hold is applied and provide an estimated resolution timeframe.
• 4.4No Fees from pakgem: pakgem does not charge transaction fees on deposits or withdrawals. However, your bank or mobile wallet provider may apply their own charges, for which pakgem accepts no responsibility.
• 4.5Unplayed Deposits: Players may request a full refund of any deposited funds that have not been wagered, provided the deposit was made within the last 7 days and no active bonuses are attached to the balance. Requests should be submitted via live chat.

5. Sports Betting Rules and Conditions

The following rules govern all sports betting activity on the pakgem Platform, including pre-match and in-play markets across cricket, football, kabaddi, UFC, tennis, and all other sports offered from time to time.

• 5.1Bet Acceptance: A bet is not confirmed until you receive an explicit confirmation message from the Platform. In the event of technical failure during the bet placement process, pakgem reserves the right to void the bet if confirmation cannot be verified in the system logs.
• 5.2Odds Accuracy: pakgem takes all reasonable steps to ensure the accuracy of published odds. However, in the event of a manifest error — including but not limited to odds that are clearly incorrect due to a pricing feed error — pakgem reserves the right to void affected bets and return stakes to player accounts.
• 5.3Match Abandonment: If a sports event is abandoned, postponed, or cancelled before the relevant market is settled, all open bets on that market will be voided and stakes returned. Exceptions may apply where a market has already been unconditionally determined prior to the abandonment.
• 5.4In-Play Betting: In-play markets are subject to suspension at any time at pakgem's sole discretion. Bets placed during a suspension period will be voided. The Company does not guarantee continuous availability of in-play markets for any event.
• 5.5Maximum Winnings: Maximum single-event winnings and accumulator payout caps apply and vary by sport and market type. These limits are displayed in the relevant market section of the Platform and are subject to change without prior notice.
• 5.6PSL and Cricket Markets: For Pakistan Super League (PSL) and all international cricket markets, pakgem follows the official match result as declared by the governing body (PCB or ICC as applicable). No retrospective amendments to results will be accepted after official declaration.

6. Casino, Live Dealer, and Slot Games

The following terms apply to all casino products available on the pakgem Platform, including RNG slot games, live dealer tables (Andar Bahar, Teen Patti, Baccarat, Roulette, Blackjack), and any other games of chance or skill offered from time to time.

• 6.1RNG Certification: All RNG-based games (slots, virtual table games) use certified random number generation systems audited by independent testing laboratories. Certified payout percentages (RTP) for each title are published in the relevant game information panel.
• 6.2Live Dealer Integrity: Live dealer games are streamed from certified studios under controlled conditions. All live game results are final and non-disputable once the round is closed. Any disconnection during a live game round that prevents completion will result in the bet being voided and the stake returned.
• 6.3Game Availability: pakgem reserves the right to withdraw, modify, or suspend any game at any time without prior notice, including for regulatory, technical, or commercial reasons. No compensation is payable for the removal of any game.
• 6.4Minimum and Maximum Stakes: Each game carries its own minimum and maximum stake limits, displayed within the game interface. Stakes placed outside these limits will be rejected by the Platform before confirmation.
• 6.5Game Malfunction: In the event of a game malfunction, software error, or any technical fault that results in an incorrect game outcome, pakgem reserves the right to void the affected round and return the relevant stake. "Malfunction voids all pays and plays" is a standard principle applied across all casino products on this Platform.

7. Bonuses, Promotions, and Wagering Requirements

pakgem offers a range of bonuses and promotional offers to eligible players. All bonuses are subject to the specific terms published alongside each promotion, as well as the general bonus terms set out in this section. In the event of any conflict, the specific promotion terms shall prevail.

• 7.1Wagering Requirements: Bonus funds credited to your account are subject to wagering requirements before they may be withdrawn. The applicable wagering requirement multiplier (e.g., 20x, 30x) is stated in the specific promotion terms. Only wagers placed with real money funds count toward clearing bonus wagering requirements, unless the promotion terms explicitly state otherwise.
• 7.2One Welcome Bonus Per Player: The welcome deposit match bonus is available to each new player once only. It may not be claimed by the same individual using multiple accounts, referral codes, or payment methods.
• 7.3Bonus Expiry: Unless otherwise stated, bonus funds and associated wagering requirements must be completed within 30 calendar days of the bonus being credited. Expired bonus balances will be removed from the account without compensation.
• 7.4Bonus Abuse: pakgem actively monitors for bonus abuse patterns, including but not limited to: low-risk hedging strategies designed to extract bonus value without genuine play, coordinated multi-account bonus stacking, and systematic exploitation of free bet credits. Where abuse is detected, pakgem reserves the right to void bonus winnings, restrict future promotional eligibility, and close the relevant account.
• 7.5Withdrawal Before Clearing: If you request a withdrawal while a bonus balance is active and wagering requirements have not been met, pakgem reserves the right to remove the bonus balance and any winnings directly attributable to bonus wagering prior to processing the withdrawal of real money funds.

8. Responsible Gaming Obligations

pakgem is committed to promoting responsible gambling practices among all Pakistani players who use the Platform. The following provisions reflect the Company's obligations and the tools available to players who wish to manage their gambling activity.

• 8.1Self-Assessment: Players are encouraged to regularly assess their gambling behaviour using the self-assessment tools available in the Responsible Gaming section of the Platform. If gambling is no longer a source of entertainment, players are urged to use the available management tools immediately.
• 8.2Deposit Limits: Players may set daily, weekly, or monthly deposit limits via the Account Settings panel. Limit reductions take effect immediately. Limit increases are subject to a 7-day cooling-off period before they become active.
• 8.3Cool-Off Periods: Players may request a temporary cool-off period ranging from 24 hours to 6 weeks. During a cool-off period, the account will be restricted from all betting, casino, and deposit activity. Cool-off periods take effect immediately and cannot be reversed before expiry.
• 8.4Self-Exclusion: Players who wish to permanently exclude themselves from the Platform may activate self-exclusion via the Account Settings dashboard or by contacting support. Self-exclusion is permanent and irreversible for a minimum period of 5 years. pakgem will close the account and return any remaining real money balance within 14 business days.
• 8.5Minor Protection: It is the account holder's responsibility to ensure that minors do not have access to their pakgem account or login credentials. If pakgem identifies or is notified that a minor has accessed an account, the account will be immediately closed and the matter referred to the relevant authorities.

9. Prohibited Conduct and Fraud Prevention

The following activities are strictly prohibited on the pakgem Platform. Engaging in any prohibited activity may result in immediate account suspension, forfeiture of all balances, and referral to the relevant law enforcement or regulatory authorities.

• 9.1Opening, operating, or facilitating multiple accounts for the purpose of obtaining additional bonuses or circumventing account restrictions.
• 9.2Using automated bots, scrapers, data extraction tools, or any software that interacts with the Platform in a non-human manner without prior written authorisation from pakgem.
• 9.3Engaging in any form of money laundering, terrorist financing, or using the Platform to process proceeds from criminal activity.
• 9.4Colluding with other players to gain an unfair advantage in poker, live dealer games, or any other game where player interaction influences outcomes.
• 9.5Exploiting errors, technical glitches, or pricing mistakes in a deliberate and systematic manner to obtain an advantage.
• 9.6Engaging in chargebacks, payment reversals, or disputing legitimate transactions with your bank or payment provider as a means of obtaining funds fraudulently.
• 9.7Using a VPN, proxy server, or any other technology to mask your geographic location or circumvent access restrictions applied by pakgem.
• 9.8Accessing the Platform using another person's account credentials, payment methods, or identity documentation.

10. Intellectual Property Rights

All content, materials, trademarks, logos, trade names, software, game assets, data compilations, graphics, text, and audio-visual elements available on the pakgem Platform are the exclusive intellectual property of pakgem or its licensors and are protected by applicable international intellectual property laws.

pakgem grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for personal entertainment purposes in accordance with these Terms. This licence does not permit you to reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content or materials from the Platform without prior written consent from pakgem.

Any feedback, suggestions, or ideas submitted to pakgem by players may be used by the Company without obligation, compensation, or attribution to the submitting player.

11. Limitation of Liability and Disclaimer

To the fullest extent permitted by applicable law, pakgem, its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption, arising out of or in connection with your use of the Platform.

pakgem does not warrant that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components. The Platform is provided on an "as is" and "as available" basis. Access to the Platform may be suspended at any time for maintenance, security review, or regulatory compliance purposes.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

12. Account Termination and Closure

Either party may terminate the player account relationship at any time, subject to the following conditions:

• 12.1Player-Initiated Closure: You may request the closure of your account at any time by contacting pakgem support. Any remaining real money balance will be returned to your verified payment method within 10 business days, provided no outstanding wagering requirements or compliance reviews are pending.
• 12.2Company-Initiated Closure: pakgem reserves the right to suspend or permanently close any account with immediate effect where a player has breached these Terms, provided false information, engaged in prohibited conduct, or where continued operation of the account poses a regulatory or reputational risk to the Company.
• 12.3Forfeiture on Closure for Breach: Where an account is closed due to a confirmed breach of these Terms by the player, pakgem reserves the right to forfeit the entire balance, including real money funds, where such forfeiture is proportionate to the severity and financial impact of the breach. Forfeiture decisions may be appealed via the dispute resolution process.
• 12.4Survival of Terms: Provisions of these Terms that by their nature should survive termination — including intellectual property rights, fraud and liability clauses, and any outstanding financial obligations — shall remain in full force after account closure.

13. Amendments to These Terms

pakgem reserves the right to modify, update, or replace these Terms at any time. Where material changes are made, pakgem will provide notice to registered players via email or an in-Platform notification at least 7 days prior to the changes taking effect, except where immediate amendments are required for legal or regulatory compliance reasons.

Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and may request account closure in accordance with Section 12.1.

The current version and effective date of these Terms are always displayed at the top of this page. You are encouraged to review these Terms periodically to stay informed of any updates.

14. Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the jurisdiction under which pakgem holds its international gaming licence.

In the event of a dispute between you and pakgem, we strongly encourage you to contact our support team in the first instance. The majority of disputes are resolved at this stage without the need for formal proceedings. Our support team can be reached via live chat (available 24/7) or by email at [email protected] (plain text — not a clickable link).

Where a dispute cannot be resolved through direct communication with the support team, the matter may be escalated to pakgem's formal internal dispute resolution process. You will receive a written response to any formal complaint within 14 business days of submission. If you remain dissatisfied following the internal review, you may refer the matter to the relevant independent dispute resolution body as specified by pakgem's licensing authority.

• 14.1Time Limit for Claims: Any claim or dispute arising from your use of the Platform must be submitted within 6 months of the date on which the relevant event giving rise to the claim occurred. Claims submitted outside this window will not be considered.
• 14.2Language of Proceedings: All formal dispute correspondence shall be conducted in English. pakgem may, at its discretion, provide responses in Urdu as an accommodation for Pakistani players, but the English version of any response shall be the authoritative version.
• 14.3No Class Actions: All disputes must be brought on an individual basis. You may not bring or participate in any class action, collective claim, or representative proceeding against pakgem.

15. Contact Information

If you have any questions, concerns, or requests relating to these Terms and Conditions, you may contact the pakgem legal and compliance team through the following channels. Please note that all contact details below are provided as plain text and are not clickable links.