Terms & Conditions — luck91 User Agreement

1 Introduction

These Terms and Conditions ("Terms", "Agreement") govern your access to and use of the website located at https://luck91.cam ("the Site"), operated under the brand name luck91 ("we", "us", "our"). luck91 is an English-language online gaming information platform targeting the Pakistan market.

The Site provides educational guides, explanatory articles and informational content relating to online casino games, sports betting, responsible gambling practices, account management and payment methods. luck91 does not operate as a casino, sportsbook or gambling operator. We do not accept wagers, process deposits or facilitate gambling transactions of any kind.

By accessing, browsing or using any part of this Site, you confirm that you have read these Terms in full, that you understand them, and that you agree to be legally bound by them. If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.

2 Definitions

The following defined terms are used throughout these Terms and Conditions:

3 Acceptance of Terms

3.1   Your access to and use of the Site constitutes your unconditional acceptance of these Terms, our Privacy Policy, and any other policies or notices published on the Site.

3.2   These Terms apply to all Users who access the Site, irrespective of location, device type or purpose of access.

3.3   If you are accessing the Site on behalf of a company, organisation or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms, and the term "you" shall refer to that entity accordingly.

3.4   These Terms were last updated on 1 January 2026. We encourage you to review them periodically. Continued use of the Site after any modification constitutes acceptance of the revised Terms.

4 Account Eligibility

4.1   The Site is intended for use by adults only. You must be at least 18 years of age, or the higher minimum age required by the operator or licence jurisdiction applicable to you, to access or use this Site.

4.2   By using the Site, you represent and warrant that:

• You are at least 18 years of age, or the higher applicable minimum age;
• You have the legal capacity to enter into a binding agreement under the laws of your jurisdiction;
• Your use of the Site does not violate any applicable law, regulation or court order.

4.3   luck91 reserves the right to restrict or terminate access to any User who is, or appears to be, below the required minimum age, or who has provided false eligibility information.

4.4   Users located in jurisdictions where access to gambling information is prohibited by law are not permitted to use this Site. It is the User's sole responsibility to determine whether their access to this Site complies with Applicable Laws in their location.

5 Platform Use

5.1   The Site and all Content provided thereon are made available strictly for informational and educational purposes only. Nothing on this Site constitutes gambling, wagering, financial advice, legal advice or any form of professional recommendation.

5.2   luck91 grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site solely for personal, non-commercial informational purposes, subject to full compliance with these Terms.

5.3   You agree not to:

• Reproduce, distribute or republish any Content from this Site without prior written permission;
• Use the Site or its Content for any commercial purpose without express authorisation;
• Attempt to circumvent any security, access restriction or content protection mechanism on the Site;
• Use automated scraping, crawling or data-mining tools to extract Content from the Site;
• Misrepresent luck91 content or use it in a manner that implies endorsement or affiliation where none exists.

5.4   luck91 may suspend, restrict or permanently terminate a User's access to the Site without notice if we reasonably believe these Terms have been breached.

6 Prohibited Conduct

6.1   The following conduct is strictly prohibited on or in connection with this Site:

• Accessing the Site using false identity information or impersonating another person;
• Uploading, transmitting or disseminating malicious code, viruses or any content designed to disrupt, damage or interfere with the Site;
• Attempting to gain unauthorised access to any part of the Site's infrastructure, servers or associated systems;
• Using the Site to facilitate, promote or assist any unlawful activity, including activities that violate the Prevention of Gambling Act, 1977 (Pakistan) or any other applicable law;
• Framing or mirroring any portion of the Site without express prior written consent;
• Engaging in any conduct that harasses, threatens or otherwise harms other users, luck91 staff or associated parties.

6.2   luck91 reserves the right to report any conduct that we reasonably suspect to be unlawful to the appropriate authorities.

7 Intellectual Property

7.1   All intellectual property rights in and to the Site and its Content — including but not limited to text, editorial guides, article structure, graphics, design elements, trade names, logos and compiled databases — are owned by or licensed to luck91 and are protected under applicable intellectual property laws.

7.2   The luck91 name, logo and associated branding are proprietary. You may not use them for any purpose without our prior written approval.

7.3   Limited personal use: You may view, print or download extracts of Content from this Site for your own personal, non-commercial reference, provided you:

• Do not modify any copies of materials you have printed or downloaded;
• Retain all copyright and proprietary notices contained in the original material;
• Do not present such extracts as your own work.

7.4   Any use of Content beyond personal reference requires express prior written permission from luck91. Requests may be submitted via the contact details at Section 16 of these Terms.

8 Third-Party Links and References

8.1   luck91 Content may reference or describe third-party gambling operators, payment providers, game developers and other external services for educational purposes. Such references do not constitute endorsement, recommendation, sponsorship or affiliation unless explicitly stated in a clearly labelled commercial disclosure.

8.2   References to payment methods familiar to Pakistani users — including but not limited to Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank and Bank Alfalah — are made solely as contextual illustrations. luck91 does not claim that these payment providers endorse, support or facilitate gambling transactions. Users must independently verify the acceptability of any payment method with the relevant provider.

8.3   References to sports leagues, tournaments or teams — including Pakistan cricket, the Pakistan Super League (PSL), ICC events and other competitions — are used for contextual illustration only. luck91 has no affiliation with, endorsement from, or commercial relationship with any named sports body, team or league.

8.4   luck91 accepts no responsibility for the content, accuracy, legality or practices of any third-party websites, platforms or services. Access to any third-party site is entirely at your own risk.

9 Disclaimers

9.1   No Gambling Services: luck91 is not a licensed gambling operator. We do not offer gambling, accept wagers, issue bonus funds or process payments for gambling purposes. Any gambling activity undertaken by a User on any third-party platform is entirely between that User and the relevant operator.

9.2   Accuracy of Content: While we take reasonable steps to ensure that information published on this Site is accurate and up to date at the time of publication, we make no warranty — express or implied — as to the completeness, reliability, timeliness or fitness for purpose of any Content. The online gambling industry changes rapidly; terms, odds, payment methods and regulatory positions may change without notice.

9.3   No Legal or Financial Advice: Nothing on this Site constitutes legal, financial, tax or professional advice of any kind. Users seeking legal guidance on the lawfulness of gambling in Pakistan or any other jurisdiction should consult a qualified legal professional.

9.4   No Win Guarantees: luck91 does not guarantee or imply that using our guides, tips or educational content will result in profit from gambling. Gambling involves inherent financial risk. The probability of loss over the long term is a statistical reality that no strategy eliminates entirely.

10 Limitation of Liability

10.1   To the fullest extent permitted by applicable law, luck91 and its affiliates, directors, employees and agents shall not be liable for any direct, indirect, incidental, consequential, special or punitive damages arising from:

• Your use of, or inability to use, this Site or any Content thereon;
• Any decision made in reliance on information provided by this Site;
• Any transaction entered into with a third-party gambling operator, whether or not that operator was referenced on this Site;
• Any unauthorised access to or alteration of your data or transmissions;
• Any interruption, suspension or termination of the Site or its Content.

10.2   Where applicable law does not allow the exclusion or limitation of certain types of liability, luck91's liability shall be limited to the maximum extent permitted by that law.

10.3   The limitation of liability set out in this Section applies regardless of the legal theory under which the claim is made and regardless of whether luck91 has been advised of the possibility of such damages.

11 Indemnification

11.1   You agree to indemnify, defend and hold harmless luck91 and its affiliates, officers, directors, employees and agents from and against any claims, liabilities, damages, judgments, penalties, costs and expenses (including reasonable legal fees) arising from or relating to:

• Your use of or access to the Site;
• Your breach of these Terms;
• Your violation of any applicable law, regulation or third-party right;
• Any content or information you submit to or through the Site.

11.2   This indemnification obligation shall survive termination of these Terms and your cessation of use of the Site.

12 Jurisdiction & Governing Law

12.1   These Terms shall be governed by and construed in accordance with applicable law. Where a specific governing jurisdiction is mandated by the operator's licence conditions, those terms shall prevail to the extent applicable.

12.2   luck91 does not represent that this Site or its Content is appropriate or lawful for use in all jurisdictions. Users accessing this Site from Pakistan or any other jurisdiction do so on their own initiative and are solely responsible for compliance with local laws, including the Prevention of Gambling Act, 1977 and any applicable provincial legislation.

12.3   Any dispute arising in connection with these Terms that cannot be resolved amicably shall be referred to the competent courts of the relevant jurisdiction. luck91 reserves the right to seek injunctive or other equitable relief in any competent jurisdiction to protect its intellectual property rights.

13 Responsible Gambling

13.1   luck91 is firmly committed to the promotion of responsible gambling information. We include responsible gambling guidance throughout our editorial content because we believe informed players are safer players.

13.2   We remind all Users that:

• Gambling is intended as entertainment, not as a means of generating income or solving financial difficulties;
• All forms of gambling carry a real risk of financial loss;
• Problem gambling can develop in anyone — it is not a sign of weakness, and help is available;
• Adults 18+ only, or the higher minimum required by the operator or licence jurisdiction. Being of eligible age does not make gambling lawful in all areas of Pakistan;
• Self-exclusion, deposit limits, loss limits and session time limits are tools provided by responsible gambling operators that we strongly encourage all players to use.

13.3   If you or someone you know is experiencing gambling-related harm, please visit our dedicated Responsible Gambling page for guidance, self-help tools and support information.

13.4   luck91 does not market gambling as a solution to personal or financial problems. We do not use language that implies gambling is low-risk, reliable as income or without consequence.

14 Privacy & Data

14.1   Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand how luck91 collects, processes, stores and protects any personal data you provide when using the Site.

14.2   By using this Site, you consent to the data practices described in the Privacy Policy. If you do not agree with those practices, you should discontinue use of the Site.

14.3   luck91 does not sell personal data to third parties. Any data collected is used strictly in accordance with the purposes described in the Privacy Policy.

15 Amendments to These Terms

15.1   luck91 reserves the right to modify, update or replace these Terms at any time at its sole discretion. Where changes are material, we will update the "Last Updated" date at the top of this page.

15.2   It is your responsibility to check these Terms periodically for any changes. Your continued use of the Site after any amendment has been published constitutes your binding acceptance of the revised Terms.

15.3   If any provision of these Terms is found to be invalid, illegal or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

15.4   These Terms constitute the entire agreement between you and luck91 with respect to your use of the Site and supersede all prior agreements, representations and understandings, whether written or oral, relating to the subject matter hereof.

16 Contact Us

16.1   If you have any questions, concerns or feedback regarding these Terms & Conditions, you may contact the luck91 editorial team using the details below.

16.2   Email: [email protected] (plain text — not a clickable link)

16.3   Please include "Terms & Conditions Enquiry" in the subject line of your correspondence. We aim to respond to all written queries within a reasonable timeframe.

16.4   For responsible gambling support queries, please visit our Responsible Gambling page directly, as it contains dedicated guidance and resource information relevant to players in Pakistan and internationally.