Account Eligibility
The eligibility conditions in these terms match the age and region criteria stated in our privacy policy — no conflicting requirements across documents.
LEGAL REFERENCE
Your Agreement With 99an Starts Here
These terms set out exactly what you agree to when you open an account at 99an and access our lobby in supported regions of Pakistan. Read through each...
Applies to all 99an accountsGoverned by platform rulesPakistan region conditions applyJazzCash & Easypaisa coveredUpdated terms take effect on notice
What These Terms Cover and How They Apply
These terms govern every interaction you have with 99an — from the moment you register an account through to withdrawals processed via JazzCash, Easypaisa, SadaPay or Raast. They define how we handle account access, fund movements, and service availability where local law permits. We may update these terms at any time; continued use of your account after a change constitutes acceptance. If
any clause conflicts with local regulation in your region of Pakistan, the locally compliant version applies. You are responsible for ensuring your use of 99an falls within the rules of your jurisdiction. Disputes arising under these terms will be handled through the process described in our complaints section.
Service availability is jurisdiction-dependent. Users are responsible for checking local law before access.
POLICY INTEGRITY SIGNALS
Why These Terms Are Written to Be Read
We wrote these terms to be understood, not to bury obligations in legal fog. Here is what shapes them and why you can hold us to them.
Plain Language Drafting
Every clause is written so a first-time reader in Pakistan can follow it without a legal background. We avoid jargon...
Regular Review Cycle
Our legal team reviews these terms on a set schedule and whenever payment rails like JazzCash, Easypaisa, or Raast update...
Version History Available
If we change a clause, we keep the prior version accessible for 90 days so you can compare what changed...
Jurisdiction Transparency
We state clearly which parts of these terms apply only where local law permits. We do not hide region-specific restrictions...
Account-Linked Acceptance
Your acceptance is tied to your specific account, not a generic IP or device. That means if you open a...
Dispute Path Stated Upfront
We tell you at the start of the terms, not at the end, how disputes are raised, what the expected...
CROSS-POLICY CONSISTENCY
How These Terms Align Across Our Policy Pages
Our privacy policy, cookie policy, and payment policy are written to sit beside these terms without contradiction. Here is how the key rules carry across.
Payment Rules
The payment clause here references the same JazzCash, Easypaisa, SadaPay, and Raast processing timelines detailed in the separate payment policy page.
Data Handling
Our privacy policy extends the data-use principles stated here — what we collect on account creation and how long we hold it are consistent across both documents.
Cookie Scope
The cookie policy covers the session and analytics cookies active while you browse the platform; nothing in these terms contradicts or overrides that scope.
Promotional Conditions
Any promotional mechanics referenced in passing within these terms are fully expanded in the promotions policy, and the core eligibility rules are identical in both.
Account Closure
The closure procedure described here — steps, timelines, fund-return process — mirrors the account policy page exactly so you get the same answer wherever you look.
Complaints Procedure
The complaints path named in these terms is the same procedure described in our dedicated complaints document; both documents point to the same contact channel and escalation steps.
How We Have Structured These Terms for You
We organised these terms so that the sections most likely to affect your day-to-day account use come first. The structure is designed for quick reference, not...
Clause Anchors
Every major clause carries an anchor so you can link directly to the section relevant to your question — useful when contacting support about a specific term or condition on your account.
Defined Terms Glossary
Words that carry a specific legal meaning in this document are capitalised and defined in the glossary section. You will always know whether a word is used in its everyday sense or a defined one.
Change Notification
When we revise a clause, the updated section is flagged with a revision date so you can see at a glance what changed and when, without reading the entire document again from the start.
Regional Callouts
Clauses that apply differently depending on your region within Pakistan are clearly marked. You are never expected to work out which version applies to you by reading between the lines.
Account Action Summary
At the end of each major section we include a one-sentence summary of what the clause means for your account in practice — a quick-reference layer on top of the full legal text.
Mobile-Readable Format
These terms are formatted to be read comfortably on the same device you use to access your account — no horizontal scrolling, no tiny text, and section headings that stay visible as you scroll.
Questions We Hear Most About These Terms
They take effect the moment you complete account registration on 99an. By proceeding past the registration screen you confirm you have read and accepted every clause as it stands on that date.
We send notice to your registered email address before any material change takes effect. The revised terms also display a new effective date at the top of the page so you can see exactly when the update applies.
Yes. The payment clause within these terms applies to all supported Pakistani payment rails including JazzCash, Easypaisa, SadaPay, and Raast. Processing timelines and reversal conditions are set out in that clause.
Any verified balance in your account at the time of closure is returned via the same payment method used for your most recent deposit — JazzCash, Easypaisa, SadaPay, or Raast — within the timeframe stated in the closure clause.
Yes. We reserve the right to suspend access where we have reason to believe the account is being used in a way that breaches these terms or falls outside what local law permits in your region of Pakistan.
Use the complaints channel described in the support section of these terms. State your account reference and the specific clause you believe was applied incorrectly. We aim to provide a written response within five business days.
Most clauses apply uniformly, but sections marked with a regional callout may vary depending on your location. Where local law in your area imposes additional conditions, those conditions take precedence over the standard clause text.