Terms & Conditions of l445

These Terms & Conditions ("Terms") govern the relationship between l445 ("the Platform", "we", "us", "our") and any individual ("you", "the User", "the Player") who accesses, registers on, or uses the services offered at l445.io. The Platform operates as an online betting and live casino service accessible to eligible adults in Bangladesh and other permitted jurisdictions.

By accessing the l445 website, creating a player account, making a deposit, placing a wager, or using any feature of the platform — including but not limited to the cricket sportsbook, live casino, slot games, crash games, and promotional offers — you unconditionally accept these Terms in full. Your continued use of l445 following any update to these Terms shall constitute acceptance of the revised version.

These Terms are published in English. In the event of any ambiguity or dispute concerning the meaning of any provision, the English-language version shall be treated as the authoritative text. l445 reserves the right to provide translated summaries for informational purposes only; such translations do not supersede the English original.

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 complete agreement between you and l445.

To be eligible to register and use the l445 platform, you must satisfy all of the following conditions at the time of registration and for the entire duration of your account's activity:

• You are a natural person aged 21 years or older.
• You are legally permitted, under the laws applicable in your jurisdiction, to participate in online betting and casino gaming activities.
• You are not acting on behalf of any third party, including any person who does not meet the eligibility criteria above.
• You are not a resident of any jurisdiction in which access to online gambling is explicitly prohibited by law.
• You have not previously been excluded from the l445 platform or any associated platform operated by the same entity, whether voluntarily or by platform decision.
• You are not an employee, director, contractor, agent, or immediate family member of an employee or director of l445 or any of its affiliated companies or technology partners.

l445 reserves the right to request documentary proof of age and identity at any point. Acceptable documents include a valid National Identity Card (NID), passport, or driving licence issued by the Government of Bangladesh or a recognised foreign authority. Failure to provide satisfactory documentation within a reasonable timeframe will result in account suspension and withholding of pending withdrawals pending verification.

If you become aware that a person under 21 is accessing the platform, you are obligated to notify l445 immediately at [email protected]. We encourage all account holders to implement appropriate parental controls on shared devices.

Each eligible individual may maintain only one (1) registered account on the l445 platform. The creation of duplicate, secondary, or shared accounts — sometimes referred to as multi-accounting — is strictly prohibited and constitutes grounds for immediate suspension of all associated accounts, forfeiture of balances, and permanent ban from the platform.

During the registration process you are required to provide accurate, complete, and current information, including but not limited to your legal full name, date of birth, residential address, mobile number, and preferred payment method details. You are responsible for maintaining the accuracy of this information and must promptly notify l445 of any material changes via your account settings or by contacting support.

You are solely responsible for maintaining the confidentiality of your login credentials, including your username, password, and any two-factor authentication codes. Specifically, you agree to:

• Choose a strong, unique password that is not used on any other platform or service.
• Never share your login credentials with any other person, including family members.
• Log out of your account at the end of every session, particularly on shared or public devices.
• Enable two-factor authentication (2FA) where available, which l445 strongly recommends for all accounts.
• Notify l445 support immediately at [email protected] if you suspect that your account has been accessed without your authorisation.

l445 accepts no liability for any loss or damage arising from your failure to maintain the security of your account credentials. Any activity carried out through your account, whether or not authorised by you personally, remains your responsibility unless you have notified l445 in writing of a suspected breach and we have confirmed receipt of that notification.

l445 uses 256-bit SSL encryption, device fingerprinting, and behavioural analysis tools to detect suspicious account activity. We reserve the right to lock an account temporarily if unusual activity is detected, pending verification from the account holder.

The l445 platform operates a native Bangladeshi Taka (BDT) wallet. All deposits, wagers, bonuses, and withdrawals are denominated in BDT. No currency conversion is applied to your account balance; you will never be charged hidden foreign exchange fees by l445.

Accepted payment methods currently supported on l445 include:

• bKash (personal and merchant wallet transfers)
• Nagad (personal wallet transfers)
• Rocket (Dutch-Bangla Bank mobile banking)
• Upay mobile wallet
• City Bank, BRAC Bank, Dutch-Bangla Bank, Islami Bank, and Sonali Bank net banking transfers
• Visa and Mastercard debit and credit cards (subject to issuing bank approval)

The minimum deposit amount is ৳500. The minimum withdrawal amount is ৳1,000. Maximum single-transaction deposit and withdrawal limits are displayed within your account dashboard and may vary depending on your verification tier and account standing. l445 reserves the right to adjust transaction limits at any time with reasonable notice.

Deposits made via bKash or Nagad are typically credited to your l445 wallet within seconds of a confirmed mobile money transfer. Bank transfer deposits may take between one and three business hours depending on the issuing institution's processing schedule.

Withdrawals are processed by the l445 finance team within one to three hours during normal operating hours (Bangladesh Standard Time, UTC+6). Withdrawals may only be made to a payment method registered in the account holder's own name. Third-party withdrawals are strictly prohibited. l445 reserves the right to request additional documentation before processing withdrawal requests exceeding ৳50,000 within a 24-hour rolling period.

l445 is committed to anti-money laundering (AML) compliance. Any deposit that cannot be satisfactorily attributed to a legitimate source of funds may be flagged for enhanced due diligence. In such cases, l445 may require supporting documentation before the deposit is credited or before any associated withdrawal is released.

l445 offers a range of promotional bonuses to eligible players, including but not limited to the 200% Welcome Bonus of up to ৳20,000, reload bonuses, free spins, cashback offers, and seasonal promotions tied to events such as Eid, BPL season, IPL season, and Pohela Boishakh. All bonuses are subject to the specific terms published on the relevant promotional page at the time the bonus is claimed, in addition to the general bonus rules set out in this section.

General bonus conditions that apply to all l445 promotions unless otherwise stated:

• Bonuses may only be claimed by players who meet the eligibility criteria in Section 2 of these Terms.
• Each promotion may be claimed once per player, per household address, per device, and per payment method account. Creating multiple accounts to claim a bonus multiple times constitutes bonus abuse and will result in all accounts being permanently banned.
• All bonuses are subject to wagering requirements ("rollover requirements"), which specify the total amount that must be wagered before the bonus amount — or winnings derived from the bonus — becomes eligible for withdrawal. Wagering requirements are stated as a multiplier (e.g., 15x, 20x, 30x) applied to the bonus amount or the total of deposit plus bonus.
• Not all games contribute equally to wagering requirements. Live casino table games typically contribute at a lower rate than slots. The contribution rates for each game category are published in the bonus terms on each promotional page.
• Bonuses have an expiry period, which begins at the time the bonus is credited to your account. Any unwagered bonus amount, along with associated winnings, will be forfeited upon expiry.
• l445 reserves the right to withdraw, modify, or cancel any bonus or promotion at any time where we have reasonable grounds to believe the promotion is being exploited or abused.
• Bonuses cannot be transferred, exchanged for cash at face value without meeting wagering requirements, or combined with other bonuses unless the specific promotional terms explicitly permit it.

In the event of a conflict between these general bonus terms and the specific terms of an individual promotion, the specific terms of the individual promotion shall take precedence for that promotion only.

All bets placed on the l445 sportsbook and all wagers in the casino and crash game sections are governed by the rules of the specific sport, market, game, or provider applicable to that bet. Where provider-specific rules apply — for example, rules published by Evolution Gaming for live dealer games, or Spribe's rules for Aviator — those rules are incorporated by reference into these Terms.

General betting rules applicable to the l445 cricket sportsbook and all other sports markets include the following:

• A bet is considered accepted and binding once you have received an on-screen confirmation and the stake has been deducted from your wallet balance.
• l445 reserves the right to void any bet placed on an event whose result was already known at the time the bet was accepted, whether due to a technical error, data feed delay, or any other cause.
• In the event of an event being cancelled, postponed for more than 12 hours, or abandoned before a result can be determined, bets on that event will be voided and stakes returned to your wallet.
• Maximum payout limits apply per event and per market. These limits are displayed in the betting interface and may vary by sport, competition, and market type.
• l445 monitors for suspicious betting patterns. Bets that appear to be placed with advance knowledge of outcomes, in coordination with other accounts, or in patterns consistent with match-fixing may be voided pending investigation.
• Manifest errors — including but not limited to clearly incorrect odds caused by pricing errors or technical malfunctions — do not bind l445. Bets placed on manifest errors may be voided at l445's sole discretion, with stakes returned.

For live casino games sourced from certified providers, the rules of each specific game table (as presented within the game interface) govern all wagers placed at that table. All outcomes are determined by certified random number generation or by a live dealer, and are final once the round is completed.

l445 takes its responsibility to promote safe gambling seriously. The Platform provides a range of tools designed to help players maintain control over their gambling activity. These tools are accessible from within your account dashboard and include:

• Deposit limits: Set daily, weekly, or monthly caps on the total amount you may deposit into your l445 wallet. Increases to a limit take effect after a 48-hour cooling-off period; decreases take effect immediately.
• Session time limits: Set a maximum duration for a single gambling session, after which you will be automatically logged out. Optional on-screen reminders can be set to notify you before the limit is reached.
• Reality checks: Enable periodic notifications that display a summary of time spent and total amounts wagered during the current session.
• Self-exclusion: Temporarily or permanently exclude yourself from the l445 platform. Temporary exclusions can be set for 24 hours, 7 days, 30 days, 90 days, or 180 days. Permanent self-exclusion removes access to your account indefinitely. During any self-exclusion period, l445 will make all reasonable efforts to prevent you from reopening or accessing the account.

If you believe that your gambling is becoming a problem, or if you are concerned about someone else's gambling behaviour, we encourage you to contact the l445 support team at [email protected]. Our trained support agents are available around the clock in both English and Bengali and can assist you in activating responsible gaming tools or initiating self-exclusion immediately.

l445 enforces a strict 21+ age policy. All users are subject to identity and age verification. Suspected underage accounts will be suspended immediately and referred for further investigation.

The following conduct is strictly prohibited on the l445 platform. Engaging in any of the actions listed below will result in immediate account suspension, forfeiture of all balances (including pending withdrawals and bonus funds), and a permanent ban from the platform. l445 reserves the right to report prohibited conduct to relevant authorities where required by law.

• Creating more than one account per natural person, household, device, or payment method.
• Providing false, misleading, or fabricated information during registration or at any point during account verification.
• Using automated software, bots, scripts, macros, artificial intelligence tools, or any other non-human mechanism to interact with the platform, place bets, or claim bonuses.
• Exploiting software bugs, pricing errors, or technical malfunctions in the betting interface or casino games for financial gain without immediately reporting the issue to l445 support.
• Engaging in any form of collusion with other players, including but not limited to coordinated betting strategies designed to guarantee a profit regardless of outcome.
• Using the l445 platform for any money laundering, terrorist financing, or other financial crime activity.
• Abusing the l445 bonus and promotions system in any manner, including bonus arbitrage, gnoming, or any other strategy designed to extract promotional value without genuine recreational play.
• Attempting to access, modify, reverse-engineer, or disrupt any part of the l445 platform's software, infrastructure, or data systems.
• Registering an account or facilitating access for any person who is under 21 years of age or who has been subject to a self-exclusion order on this or any other gambling platform.

l445 employs sophisticated automated systems and a dedicated integrity team to detect prohibited conduct. Accounts suspected of violating these rules may be suspended pending investigation, during which time withdrawals may be withheld. You have the right to appeal any account suspension decision by contacting [email protected] with a written explanation within 14 days of the suspension notice.

l445 collects, processes, stores, and uses personal data in accordance with our Privacy Policy, which is available at l445.io/privacy-policy and is incorporated into these Terms by reference. By using the l445 platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

Personal data collected during registration and ongoing account use — including your name, date of birth, contact details, payment information, and betting history — is used primarily for the following purposes:

• Account management, identity verification, and age verification.
• Processing deposits, withdrawals, and bonus claims.
• Fraud prevention, security monitoring, and anti-money laundering compliance.
• Customer support and dispute resolution.
• Responsible gaming monitoring and intervention.
• Improving the platform's products, features, and user experience.
• Sending transactional communications and, where you have opted in, promotional communications.

l445 does not sell your personal data to third parties. Data may be shared with trusted technology partners, payment processors, and regulatory bodies strictly on a need-to-know basis and subject to confidentiality obligations. All data transfers are protected by 256-bit SSL encryption. For full details of your data rights under applicable law, please refer to the Privacy Policy.

All content on the l445 platform — including but not limited to the l445 brand name, logo, website design, graphics, text, software, game interfaces, data compilations, and any other material — is the exclusive intellectual property of l445 or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the l445 platform for personal, recreational purposes only, subject to these Terms. This licence does not permit you to:

• Copy, reproduce, distribute, publish, or create derivative works based on any l445 content without prior written consent.
• Use any l445 branding, logos, or trade marks in connection with any other product, service, or business.
• Frame or mirror any part of the l445 website on any other domain or platform.
• Use web scraping, crawling, or data extraction tools to collect data from the l445 platform for any commercial purpose.

All game content provided by third-party studios — including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Ezugi, Spribe, Play'n GO, and Red Tiger — remains the intellectual property of the respective studios. l445 operates these games under valid commercial licensing agreements.

To the maximum extent permitted by applicable law, l445 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive losses or damages arising from your use of — or inability to use — the platform, including but not limited to:

• Loss of funds due to betting or gaming outcomes, which are inherently uncertain and subject to chance.
• Temporary or permanent unavailability of the platform due to scheduled maintenance, technical failures, cyber-attacks, force majeure events, or circumstances beyond l445's reasonable control.
• Interruption to live betting or live casino streams caused by internet connectivity issues, third-party data feed delays, or provider outages.
• Any unauthorised access to your account arising from your failure to maintain the security of your login credentials.
• Losses arising from your reliance on information, statistics, or data displayed on the platform, which are provided for informational purposes only and may not be real-time or error-free.

Nothing in these Terms limits l445's liability for death or personal injury caused by our negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

The l445 platform is provided on an "as is" and "as available" basis. We make no warranties, express or implied, as to the fitness of the platform for any particular purpose, its uninterrupted operation, or the accuracy of any odds, statistics, or informational content displayed.

You may close your l445 account at any time by contacting our support team at [email protected]. Prior to closure, all pending wagers must be settled, all active bonuses will be forfeited, and any remaining real-money balance will be returned to your registered payment method within five business days, subject to identity verification requirements being met.

l445 reserves the right to suspend or permanently terminate your account at any time, with or without prior notice, in the following circumstances:

• Breach of any provision of these Terms & Conditions.
• Discovery that information provided during registration or verification was false, inaccurate, or misleading.
• Evidence of fraudulent activity, collusion, bonus abuse, or money laundering.
• Receipt of a valid self-exclusion request, whether submitted by the account holder or, in limited circumstances, by a third party acting under a recognised safeguarding framework.
• A court order, regulatory requirement, or direction from a competent authority requiring termination or suspension of the account.
• Reasonable belief that continued operation of the account poses a risk to the integrity of the platform or to other users.

Upon termination for cause, l445 reserves the right to withhold any remaining balance pending the outcome of any active investigation. Where the investigation concludes that no breach occurred, the remaining balance will be returned to the account holder's registered payment method within a reasonable timeframe.

l445 reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, l445 will notify registered players via the contact details on file (typically by email or in-platform notification) at least seven (7) days before the changes take effect, except in cases where immediate amendment is required for legal, regulatory, or security reasons.

The effective date of the current version of these Terms is displayed at the top of this page. The version number and update date are also shown in the "Last Updated" badge above this document body. It is your responsibility to review these Terms periodically and to ensure you remain aware of the version currently in force.

Your continued use of the l445 platform following the effective date of any amendment constitutes your unconditional acceptance of the revised Terms. If you do not accept the revised Terms, you must cease using the platform and contact [email protected] to initiate account closure in accordance with Section 12.

If you have any questions, concerns, or complaints regarding these Terms & Conditions, or if you wish to exercise any of your rights as a user of the l445 platform, please contact our support team using the details below. All correspondence must be in English or Bengali and will be responded to within two business days (Bangladesh Standard Time, UTC+6).

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 directly from within your l445 account dashboard
• Response Time: Within 2 business hours for live chat; within 48 hours for email
• Operating Hours: 24 hours a day, 7 days a week, Bangladesh Standard Time (BST, UTC+6)
• Support Languages: English and Bengali

For responsible gaming concerns, self-exclusion requests, or account closure, please mark your email subject line clearly as "Responsible Gaming Request" or "Account Closure Request" so that our dedicated team can prioritise your case appropriately.

l445 is committed to resolving all player disputes fairly and transparently. If you believe your complaint has not been handled to a satisfactory standard, you may escalate the matter by requesting a formal review from our compliance team via the same email address, clearly marking the subject line as "Formal Complaint — Escalation".