These Terms & Conditions set out the rules that govern your account with stk11, covering everything from how you register and fund your wallet to how we handle disputes and account closures. Access to our platform and all associated services depends on your local law and eligible regions — please read these terms carefully before completing registration.
Account eligibility rules
Nagad, Upay & Bank Transfer conditions
Wallet transaction obligations
Account suspension rights
POLICY POSTURE
How These Terms Bind Your Account
By completing registration on stk11 and making your first wallet transaction — whether through Nagad, Upay or Bank Transfer — you confirm that you have read, understood and accepted these Terms & Conditions in full. These terms form a binding agreement between you and stk11 from the moment your account is activated. We may update these terms from time to time; when we do, the revised version will be published on this page with a clear notice, and continued use of your account after that point constitutes acceptance of the changes. If you do not accept a revision, you should stop using the account and contact support to discuss closure. Certain features or services described within these terms may be restricted or unavailable depending on your local law and the eligible regions we currently serve. We do not make representations about legal access in jurisdictions where we have not confirmed availability. Transaction records accessible through your signed-in account area reflect the actual movements on your wallet, including Nagad credits, Upay deposits and Bank Transfer settlements, and those records remain the reference point for any account query you raise with our support team.
Nagad wallet credits
Upay deposit records
Bank Transfer settlements
Account activation confirmation
Revision notice process
TERMS COVERAGE MAP
What Falls Inside and Outside These Terms
Not every action on stk11 is governed by the same clause. Understanding which part of the platform a term applies to helps you know where to look when a question arises. The four areas below define the scope boundaries clearly so you are not left guessing whether a particular activity or content type is covered by this agreement.
Account Access
Login credentials, session management, account suspension and reinstatement all fall within these terms. You are responsible for keeping your account details secure; any activity conducted through your credentials is treated as authorised by you until you notify us otherwise.
Wallet Transactions
All deposits and withdrawals processed through Nagad, Upay or Bank Transfer are governed by these terms alongside the conditions applied by the respective payment service. Discrepancies between your account statement and a payment record should be raised through the account support route.
Site Content
Game content supplied by studios available in the lobby — including titles from CQ9, PG Soft and Pragmatic Play — is subject to each studio's own game rules in addition to these terms. These terms govern your right to access that content, not the mechanics of any individual title.
Third-Party Services
External payment processors, mobile wallet operators and any linked service outside the stk11 platform operate under their own terms. We are not liable for the policies, downtime or decisions of third-party providers, even where those services are used to fund or withdraw from your account.
YOUR ACCOUNT RIGHTS
Actions Available to You Under These Terms
These Terms & Conditions do not exist only to set our rules — they also define what you can ask of us. Once your account is active, you have a clear set of practical rights that you can exercise at any point. You can review the full history of your wallet transactions, including every Nagad, Upay or Bank Transfer movement, directly from the signed-in account area without needing to contact support. If you believe a detail held on your account — such as a registered phone number or Bank Transfer reference — is incorrect, you can submit a correction request through the account settings page, where the relevant fields and verification steps are displayed. Any question about how a term applies to your specific account situation can be raised with our support team through the published contact routes. You also have the right to request account closure at any time; the process and any applicable conditions are outlined in the closure section of your account panel. These rights apply to all account holders in regions where our services are currently available, subject to local law.
Review Transaction Records
Your signed-in account area displays a complete wallet history, including Nagad, Upay and Bank Transfer entries. Use the filter controls shown there to locate a specific date or transaction reference without contacting support.
Correct Account Details
If a registered detail is wrong, open the account settings page and follow the correction fields displayed there. Verification steps will be shown inline; complete them to confirm the change is applied to your account.
Raise a Policy Question
If a clause in these terms is unclear in relation to your account, submit your question through the support route published on this page. We will respond based on the version of the terms current at the time your question is received.
Request Account Closure
Account closure can be initiated from the panel visible in your signed-in area. Any outstanding wallet balance subject to these terms will be handled according to the withdrawal conditions stated in your account agreement before closure is finalised.
REACH OUR TEAM
Contact Routes for Terms & Conditions Queries
If a clause in these Terms & Conditions raises a question you cannot resolve by reading the text, our support team is available through the routes published on this page. When you contact us about a terms matter, include your registered account reference and the clause or section your question relates to — this helps us route your case to the right team member without delay.
Live Chat
Open the chat widget from any page in your signed-in session to raise a terms question directly. The chat route is the quickest way to get a response on account-access or wallet-transaction queries covered by these terms.
Email Support
Send a detailed message to our support address published in the contact section of the site. For terms-related enquiries, include your account ID and a short description of the clause or transaction you are asking about to help us respond clearly.
Account Help Centre
The Help Centre, accessible from the footer of your signed-in account, contains documented answers to common terms questions including account closure, wallet conditions and payment-method obligations under Nagad, Upay and Bank Transfer arrangements.
HOW WE MANAGE THIS
Our Approach to Policy, Data and Account Security
These Terms & Conditions are not a static document — they reflect how we actively manage account data, cookies, security and retention across every registered account. The practices below explain what we do and where you can verify or request changes.
Account Data Handling
Account details you provide during registration — including your phone number, Bank Transfer reference or linked Nagad or Upay credentials — are held in accordance with the data handling practices described in our Privacy Policy. You can review what is stored by opening the account data section visible in your signed-in panel.
Cookie & Session Policy
We use session cookies to keep your account authenticated during a browser visit. Preference cookies remember display settings between sessions. You can adjust cookie permissions using the controls shown in your browser or in the cookie settings link available in the site footer.
Account Security Obligations
Under these terms, you are responsible for all activity carried out under your login credentials. If you believe your account has been accessed without your authorisation, contact support immediately through the live chat or email route — we will place a hold on the account while the matter is investigated.
Retention and Deletion Requests
Transaction records and account data are retained for the period required to fulfil the obligations set out in these terms and applicable local requirements. To request a review or deletion of data associated with a closed account, submit the request through the email support route with your account reference.
TERMS QUESTIONS ANSWERED
Frequently Asked Questions About These Terms
The questions below cover the terms-related topics we receive most often. If your question is not answered here, the support routes listed on this page are the right place to send it.
Do these Terms & Conditions apply to my Nagad or Upay deposits?
Yes. Any deposit you make through Nagad, Upay or Bank Transfer is subject to these terms from the moment the transaction is initiated. The payment operator's own terms also apply alongside ours. Your signed-in wallet history shows each transaction with its status and reference.
When do updated terms take effect on my account?
Revised terms are published on this page with a clear notice. Your continued use of the account after the publication date constitutes acceptance. If you do not agree with a revision, stop using your account and contact support through the live chat or email route to discuss your options.
Can I access my account if I am outside my registered region?
Access to your stk11 account depends on your local law and the eligible regions we currently serve. If you attempt to log in from a region where our services are restricted, access may be limited or blocked. Check the eligibility notice shown at login for the current position.
How do I correct a registered account detail covered by these terms?
Open the account settings page while signed in and locate the relevant field. The correction form and any verification steps required under these terms are displayed inline. For details that cannot be changed through the self-service panel, submit a request through the email support route.
What happens to my wallet balance if my account is suspended?
If your account is suspended under these terms, your wallet balance is held pending the outcome of the review. The conditions that apply to suspended accounts — including withdrawal eligibility during a suspension — are set out in the account agreement section. Contact support by email to ask about your specific case.
Who can I contact if I disagree with how a term has been applied to my account?
Raise a dispute through the email support route, including your account reference and the specific clause you believe has been applied incorrectly. Our team will review the case against the published version of these terms and respond with a written outcome through the same channel.
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