3 Pattiok Terms and Conditions — Know Your Rights as a Player

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and 3 Pattiok ("we", "us", "the platform"). These Terms govern your access to and use of the 3 Pattiok website, mobile platform, games, betting products, and all associated services.

By registering an account, making a deposit, or placing any bet or wager on 3 Pattiok, you confirm that you have read these Terms carefully and agree to be bound by them. You also confirm that you agree to the 3 Pattiok Privacy Policy and Responsible Gaming Policy, which form part of these Terms.

3 Pattiok reserves the right to update these Terms at any time. Any material changes will be communicated to registered players via email or platform notification. Continued use of 3 Pattiok following any update constitutes acceptance of the revised Terms.

To register and use 3 Pattiok you must meet all of the following eligibility requirements:

• You must be at least 18 years of age. 3 Pattiok strictly prohibits access by persons under the age of 18.
• You must be a resident of or located in a jurisdiction where online gaming and betting are not prohibited by applicable law.
• You must not be a current employee, contractor, director, or immediate family member of any employee of 3 Pattiok or its affiliated service providers.
• You must not have a history of being self-excluded or excluded by any gaming platform where such exclusion remains active.
• You must have the legal capacity to enter into a binding contract under the laws applicable to you.

To access the full range of 3 Pattiok services you must register an account. During registration you will be required to provide accurate, current, and complete personal information including your full name, date of birth, contact number, and a valid email address.

Each player is permitted to hold only one active 3 Pattiok account. Opening multiple accounts — whether under your own name or under any other identity — is strictly prohibited and may result in permanent account suspension, forfeiture of all funds held across those accounts, and cancellation of any pending or settled bonuses.

You are responsible for maintaining the confidentiality of your account credentials. 3 Pattiok will not be liable for any losses resulting from unauthorised access to your account caused by your failure to adequately protect your login details. You must notify 3 Pattiok support immediately if you become aware of or suspect any unauthorised use of your account.

3 Pattiok reserves the right to carry out identity verification ("KYC") checks at any time, including but not limited to at the point of registration, before processing any withdrawal request, or when a large cumulative deposit is identified. Failure to satisfactorily complete identity verification may result in account restrictions or suspension.

All financial transactions on 3 Pattiok are processed exclusively in Pakistani Rupees (PKR). The following payment methods are supported for both deposits and withdrawals:

• Easypaisa — mobile wallet transfer
• JazzCash — mobile wallet transfer
• NayaPay — digital wallet
• SadaPay — digital wallet
• Bank IBFT — interbank funds transfer
• Visa / Mastercard — Pakistani bank-issued cards

The minimum deposit amount at 3 Pattiok is Rs 500. Minimum withdrawal amount is Rs 1,000. Maximum withdrawal amounts per transaction and per day are specified in your account settings and may vary depending on your account verification status and VIP tier.

Withdrawal requests are processed in the order they are received. Easypaisa and JazzCash withdrawals typically complete within minutes. Bank IBFT transfers are processed within standard banking hours and typically complete within 4–8 hours on working days. Card withdrawals may take 1–3 business days depending on your issuing bank.

3 Pattiok does not charge any platform fees on standard deposits or withdrawals. Any charges applied by your bank or payment provider are outside of 3 Pattiok's control and are your responsibility.

3 Pattiok offers a range of bonuses and promotional offers to both new and existing players. All bonuses are subject to specific terms that are clearly disclosed at the point of offer. The following general rules apply to all 3 Pattiok promotions:

• All bonuses are subject to wagering requirements before any bonus-derived winnings can be withdrawn. The specific wagering multiplier applicable to each bonus is stated in that bonus's individual terms.
• Bonuses have an expiry date. Any unwagered bonus funds remaining after the expiry date will be removed from your account automatically.
• 3 Pattiok reserves the right to withdraw any bonus offer at any time for any player found to be engaging in bonus abuse, including but not limited to hedging bets, multi-accounting, or exploiting technical errors.
• Only one welcome bonus is available per player, per household, and per payment method. Welcome bonuses are not available to players who have previously held a 3 Pattiok account.
• Unless specifically stated otherwise, free bet credits and bonus funds cannot be withdrawn directly — only winnings derived from bonus wagers, once wagering requirements are met, are withdrawable.
• 3 Pattiok may introduce game-specific restrictions on bonus wagering contribution. Where a game contributes less than 100% towards wagering requirements, this will be clearly stated in the relevant promotion's terms.

All bets placed on the 3 Pattiok platform are final once confirmed. It is your responsibility to ensure all bet details — selection, stake amount, odds — are correct before confirming any wager. 3 Pattiok cannot reverse confirmed bets except in circumstances described below.

3 Pattiok reserves the right to void bets placed as a result of:

• Incorrect or manifestly erroneous odds published due to a technical error or human error ("palpable error")
• Bets placed on events that had already concluded at the time of placement
• Bets placed using funds obtained through suspected fraud, bonus abuse or multi-accounting
• Technical malfunctions that affected the integrity of the game or event outcome

For casino games, in the event of a technical error or disconnection during a game round, 3 Pattiok will endeavour to settle the game based on the state captured at the last verified server record. Where a complete game round cannot be reconstructed from server records, the bet stake will be refunded to your 3 Pattiok wallet.

Minimum and maximum bet limits apply to all 3 Pattiok betting and gaming products. Current limits are displayed within each game or market. 3 Pattiok reserves the right to adjust individual player betting limits at any time at its sole discretion.

The following activities are strictly prohibited on the 3 Pattiok platform and will result in immediate account suspension, permanent closure, and forfeiture of all balances:

• Multi-accounting: Registering or operating more than one account on 3 Pattiok under any identity.
• Bonus abuse: Any systematic exploitation of 3 Pattiok promotional offers, including coordinated hedging, bonus chip cycling, or using multiple accounts to claim the same promotion.
• Collusion: Coordinating with other players to gain an unfair advantage in any game or betting market on 3 Pattiok.
• Fraud: Using stolen payment credentials, fraudulent bank accounts, or any other form of financial deception to fund a 3 Pattiok account.
• Chargebacks: Initiating a payment dispute or chargeback with your bank or payment provider for legitimate 3 Pattiok transactions.
• Money laundering: Using the 3 Pattiok platform to transfer or convert funds connected to criminal activity. 3 Pattiok is obligated to report suspicious financial activity to the relevant authorities.
• Automated betting: Using bots, scripts, artificial intelligence, or any automated software to place bets or interact with the 3 Pattiok platform without prior written approval.

3 Pattiok takes its responsible gaming obligations seriously. We believe that gaming should be an enjoyable form of entertainment and we are committed to providing the tools that help our players stay in control.

The following responsible gaming tools are available to all registered 3 Pattiok players directly from their account settings:

• Deposit Limits — Set daily, weekly, or monthly limits on the total amount you can deposit.
• Loss Limits — Set a cap on the total losses you can incur over a defined period.
• Session Time Reminders — Receive a notification after a set amount of continuous play time.
• Cooling-Off Period — Temporarily restrict access to your 3 Pattiok account for a chosen number of days.
• Self-Exclusion — Permanently exclude yourself from the 3 Pattiok platform. Self-exclusion is irreversible for the duration chosen and cannot be lifted early under any circumstances.

For further information about responsible gaming and external support resources available in Pakistan, please visit our dedicated Responsible Gaming page.

All content on the 3 Pattiok platform — including but not limited to text, graphics, logos, icons, images, game software, video content, audio material, data compilations, and software code — is the property of 3 Pattiok or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the 3 Pattiok platform for your personal, non-commercial entertainment purposes only. This licence does not include the right to:

• Reproduce, copy, distribute, or publicly display any 3 Pattiok content without prior written consent
• Reverse engineer, decompile, or extract source code from any 3 Pattiok software or game
• Frame or mirror any part of the 3 Pattiok platform on any other website or application
• Use any 3 Pattiok trademarks, brand names, or logos without explicit written permission

3 Pattiok provides its platform and services on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, 3 Pattiok makes no warranties, express or implied, regarding the availability, accuracy, or fitness for purpose of the platform or any content on it.

3 Pattiok shall not be liable for any losses arising from:

• Platform downtime, maintenance periods, or technical interruptions
• Delays in deposit or withdrawal processing caused by your bank or payment provider
• Internet connectivity issues on your device or network
• Losses incurred through authorised or unauthorised use of your 3 Pattiok account where the unauthorised access resulted from your failure to protect your credentials
• Indirect, consequential, or incidental losses not arising from 3 Pattiok's own gross negligence or wilful misconduct

3 Pattiok's total liability to any individual player in respect of any single claim shall not exceed the net deposits made by that player to 3 Pattiok in the 12 months preceding the claim.

You may close your 3 Pattiok account at any time by submitting a written request to support@3pattiok.bid. Upon receiving your request, 3 Pattiok will process the closure within two business days. Any legitimate balance remaining in your account at the time of closure will be returned to your nominated payment method, subject to standard verification procedures.

3 Pattiok reserves the right to suspend or permanently terminate any account at any time without prior notice if we determine, at our sole discretion, that:

• The player has violated any provision of these Terms and Conditions
• The player has engaged in fraudulent, abusive, or criminal conduct
• The account has been inactive (no login, deposit, or wager) for a continuous period of 12 months or more
• We are required to do so by applicable law or regulatory obligation

Where an account is terminated for a breach of these Terms, any remaining balance may be forfeited in full. 3 Pattiok will communicate the reason for termination to the affected player wherever legally permissible to do so.

3 Pattiok reserves the right to amend these Terms and Conditions at any time. When material changes are made, registered players will be notified via email and/or an in-platform notification at least 7 days before the revised Terms take effect.

The most current version of these Terms will always be accessible at /terms-conditions. Each version is date-stamped at the top of this page. If you continue to use the 3 Pattiok platform after the effective date of any amendment, you are deemed to have accepted the revised Terms.

If you do not wish to accept any revised Terms, you should cease using 3 Pattiok and request account closure before the revised Terms take effect. Any bets or game sessions in progress at the time revised Terms take effect will be governed by the version of the Terms in force at the time those sessions commenced.

If you have any questions, concerns, or complaints about these Terms and Conditions or any aspect of the 3 Pattiok platform, please contact us:

• Email: support@3pattiok.bid
• Live Chat: Available 24/7 inside your 3 Pattiok account
• FAQ: Visit our FAQ page for answers to the most common questions

3 Pattiok aims to respond to all email enquiries within 24 hours on business days. Live chat responses are typically delivered within three minutes around the clock. We are committed to resolving any disputes or concerns fairly and efficiently, and our support team — staffed by people who understand the Pakistani context — is here to help.

For complaints that cannot be resolved through our standard support channels, 3 Pattiok provides an escalation pathway to senior management review. Details of this process are available by contacting support.