Terms and Conditions — luke 91 Pakistan

1. Introduction & Acceptance of Terms

Welcome to luke 91 — an online sports betting and casino platform operated under a valid international gaming licence and made available to eligible users in Pakistan and other permitted jurisdictions. These Terms and Conditions ("Terms") form a legally binding agreement between you ("the Player", "you", "your") and luke 91 ("the Company", "we", "us", "our").

By registering an account at luke 91, accessing any part of the platform, depositing funds, or placing a bet or wager of any kind, you confirm that you have read and understood these Terms in their entirety and agree to be bound by them without reservation. If you do not agree with any part of these Terms, you must not use the luke 91 platform and should close your account immediately.

These Terms apply to all products and services offered under the luke 91 brand, including but not limited to: sports betting, PSL betting, live cricket score and in-play markets, live casino games, card games including Teen Patti and Dragon Tiger, Aviator, fishing games, and the luke 91 VIP Club loyalty programme.

These Terms should be read alongside the Privacy Policy and Responsible Gaming policy, both of which form part of the overall agreement between you and luke 91.

2. Eligibility & Registration

2.1 Age Requirement

You must be at least 18 years of age to register and use luke 91. We operate a strict minimum age policy. If at any point we have reason to believe that a player is under 18, we will suspend the account immediately, withhold any funds pending an age verification investigation, and return deposits if no bonus funds have been claimed. luke 91 does not provide gaming services to minors under any circumstances.

2.2 One Account Per Person

Each individual is permitted to hold exactly one account at luke 91. Multiple accounts held by the same individual — identified by name, national identity number, device fingerprint, payment method, or IP address — may be merged or closed, and any winnings obtained through multiple accounts may be voided. If you suspect you have accidentally created a duplicate account, contact support immediately at support@luke91.bet.

2.3 Registration Information

You are required to provide accurate, complete, and current information when registering at luke 91. This includes your full legal name as it appears on your CNIC or other government-issued ID, a valid email address, your date of birth, and your mobile number. luke 91 is required to verify this information before processing withdrawals. Providing false information at registration is grounds for immediate account closure and forfeiture of any balance.

2.4 Geographic Restrictions

luke 91 does not knowingly accept players from jurisdictions where online gaming is explicitly prohibited by local law. It is the player's responsibility to ensure that use of luke 91 complies with the laws of their jurisdiction. luke 91 reserves the right to decline or close accounts from restricted regions at any time without prior notice.

3. Account Security

You are solely responsible for maintaining the confidentiality of your account credentials — username, password, and any two-factor authentication codes. luke 91 will never ask for your password via email, SMS, live chat, or telephone. Any request for your password from someone claiming to be a luke 91 representative should be treated as a phishing attempt and reported to us immediately.

All activity conducted through your account — bets placed, deposits made, withdrawals requested — is your responsibility, regardless of whether the activity was authorised by you. If you believe your account has been accessed without authorisation, you must notify luke 91 immediately by email or live chat so we can suspend the account and investigate.

luke 91 uses industry-standard SSL encryption for all data transmitted between your device and our platform. However, the security of your device and network connection is your own responsibility. We recommend using a private, password-protected connection and keeping your device's operating system and security software up to date.

4. Deposits & Withdrawals (PKR)

4.1 Supported Payment Methods

luke 91 processes all deposits and withdrawals exclusively in Pakistani Rupees (PKR). No currency conversion is applied at any point. Supported payment methods include:

4.2 Deposit Limits & Processing

The minimum deposit at luke 91 is Rs 200. There is no platform-imposed maximum deposit, though individual payment providers may apply their own transaction limits. Deposits processed via Easypaisa, JazzCash, NayaPay, and SadaPay are credited to your luke 91 balance instantly in most cases. Bank IBFT transfers may take up to 2 business hours to appear. Visa and Mastercard deposits are instant for domestic cards.

4.3 Withdrawal Processing

The minimum withdrawal at luke 91 is Rs 500. Withdrawals are processed within 5–10 minutes for fully verified accounts. Accounts that have not completed identity verification may experience delays of up to 24 hours while documents are reviewed. luke 91 reserves the right to request additional verification documentation before processing large withdrawals. Withdrawals will only be sent to a payment method that has previously been used for a deposit to the same account.

4.4 Withdrawal Conditions

luke 91 requires that all bonus funds be subject to their applicable wagering requirements before any associated winnings can be withdrawn. Deposits made without claiming a bonus are available for immediate withdrawal subject to verification requirements. We do not charge withdrawal fees, though your payment provider may apply their own charges.

5. Betting Rules

5.1 General Betting Rules

All bets placed at luke 91 are subject to these Terms and any sport-specific or market-specific rules displayed within the relevant section of the platform. By placing a bet, you confirm that you understand the bet type, the odds offered, the stake amount, and the potential payout before confirming.

Bets are accepted and confirmed at the odds displayed at the moment of placement. luke 91 reserves the right to refuse or limit any bet at its sole discretion, including but not limited to situations where there are reasonable grounds to suspect match manipulation, unusual betting patterns, or system errors in the odds display.

5.2 In-Play Betting

In-play betting markets at luke 91 are available on cricket, PSL matches, and other selected sporting events. In-play odds are subject to rapid change and markets may be suspended during certain periods — for example, between deliveries in cricket or during video review decisions. Bets already confirmed before a market suspension remain valid. Any bets placed after the event outcome is determined — for example, due to a data feed delay — will be voided.

5.3 Minimum & Maximum Stakes

The minimum stake on most betting markets at luke 91 is Rs 100. Maximum stake limits vary by market, sport, and event significance. Stakes above the displayed market maximum will be automatically reduced to the maximum. luke 91 may apply individual stake limits to accounts displaying unusual or suspected value-seeking betting behaviour.

5.4 Void Bets

A bet may be voided — and the stake returned — in circumstances including: event cancellation or abandonment, proven data feed error, clear pricing error, or where market rules specify void conditions. Voided bets are credited back to your balance as soon as the void is confirmed by our trading team.

6. Casino & Games

All casino games offered at luke 91 — including live casino tables, card games such as Teen Patti and Dragon Tiger, Aviator, and fishing games — use certified Random Number Generator (RNG) systems where applicable, or physical dealing mechanisms where live dealer games are involved. Return-to-Player (RTP) percentages for each game are available within the individual game's information panel before play begins.

The house edge applies to all casino products at luke 91. Gaming is entertainment — no strategy, system, or playing pattern is guaranteed to produce a profit over time. Players should set session budgets before beginning casino play and use the deposit and session limit tools available in the account settings section.

In the event of a technical failure — including server disconnection, software crash, or display error — during a casino game round, luke 91 will resolve the situation based on the outcome of the game round as recorded in our server logs. Where the round was genuinely incomplete, stakes will be returned. Where the round completed successfully, the recorded outcome stands regardless of any display issue on the player's device.

7. Bonuses & Promotions

7.1 General Bonus Rules

All bonuses and promotional offers at luke 91 are subject to specific wagering requirements, time limits, minimum odds restrictions, and game restrictions that are detailed in the individual promotion terms displayed at the time of the offer. These Terms apply as a foundation to all bonuses — in the event of a conflict between these Terms and specific promotion terms, the specific promotion terms take precedence for that promotion.

7.2 Welcome Bonus

New players at luke 91 who register and make their first deposit may be eligible for a welcome bonus match of up to Rs 50,000, subject to eligibility criteria including minimum deposit thresholds, country of registration, and payment method used. The welcome bonus is available once per player, per household, and per device. Wagering requirements for the welcome bonus must be completed within the stated time window from the date the bonus is credited.

7.3 Wagering Requirements

Wagering requirements specify how many times bonus funds must be turned over in qualifying bets before a withdrawal can be made. For example, a wagering requirement of 20× on a Rs 1,000 bonus means Rs 20,000 in qualifying bets must be placed before withdrawal. Only bets placed with real money funds count toward withdrawal eligibility when no wagering requirement is attached to the deposit. Bets placed in games or markets excluded from bonus play do not count toward wagering requirements.

7.4 VIP Club Rewards

Points earned through the luke 91 VIP Club accumulate from qualifying real-money wagers. VIP points, tier upgrades, cashback percentages, and other VIP benefits are governed by the VIP Club terms displayed in the dedicated VIP Club section. VIP status is reviewed on a rolling basis and can be adjusted based on qualifying activity in any given review period.

8. Prohibited Conduct

The following activities are strictly prohibited on the luke 91 platform and will result in immediate account suspension, investigation, and may result in permanent closure and forfeiture of balance:

• Registering more than one account — whether in your own name, a family member's name, or any other individual's identity
• Providing false, misleading, or fraudulent information at registration or verification
• Using a payment method that is not registered in your own name
• Engaging in money laundering, fraud, or any other financial crime using the platform
• Attempting to manipulate game outcomes, exploit software bugs or errors in your favour, or use automated betting software, bots, or scripts
• Accessing or attempting to access another player's account without authorisation
• Placing bets on matches or events where you have access to inside information not available to the public
• Colluding with other players in live casino or card game environments to gain an unfair advantage
• Posting, sharing, or transmitting any harmful, offensive, or illegal content through any communication feature of the platform
• Circumventing any geo-restrictions, account limits, or verification requirements using VPNs, proxies, or other technical means

luke 91 cooperates fully with law enforcement authorities and regulatory bodies in relation to any suspected illegal activity connected to player accounts. We reserve the right to freeze account funds pending investigation at any time without prior notice where prohibited conduct is suspected.

9. Responsible Gaming

luke 91 is committed to providing a safe gaming environment. We recognise that for a small proportion of players, gambling can become problematic. Our responsible gaming programme includes the following tools, all accessible directly from your account settings:

• Deposit Limits: Set daily, weekly, or monthly PKR deposit limits. Increases take effect after a 24-hour cooling-off period; decreases are immediate.
• Session Time Limits: Set a maximum session duration after which you will be automatically logged out.
• Bet Size Limits: Set a maximum individual bet size to control per-wager risk.
• Reality Checks: Receive periodic on-screen notifications showing your total time played and net session result.
• Self-Exclusion: Exclude yourself from the platform for 30 days, 90 days, 6 months, 1 year, or permanently. Once activated, self-exclusion cannot be reversed until the selected period expires.
• Cooling-Off Period: Take a short break of 24 hours, 48 hours, or 7 days without fully excluding your account.

If you are concerned about your gaming behaviour — or the behaviour of someone you care about — please visit our dedicated Responsible Gaming page for detailed guidance, tools, and links to professional support services available in Pakistan.

10. Privacy & Data

luke 91 collects, processes, and stores personal data in accordance with our Privacy Policy, which forms part of these Terms. By registering, you consent to the collection and use of your personal information as described in that policy. We do not sell or share your personal data with third parties for marketing purposes. Data is used for account management, identity verification, fraud prevention, customer support, and the provision of a personalised gaming experience.

You have the right to request a copy of the personal data we hold about you, to request corrections to inaccurate data, and to request deletion of your account and associated data subject to legal retention requirements. Contact support@luke91.bet for any data-related requests.

11. Intellectual Property

All content on the luke 91 platform — including but not limited to the brand name, logo, design, software, game content, text, images, and data feeds — is the intellectual property of luke 91 or its licensed partners. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, non-commercial gaming purposes only.

You may not copy, reproduce, distribute, republish, display, transmit, or create derivative works from any content on the luke 91 platform without prior written consent from luke 91. Unauthorised use of any intellectual property belonging to luke 91 may result in legal action.

12. Limitation of Liability

To the maximum extent permitted by applicable law, luke 91 accepts no liability for:

• Any loss of profits, revenue, or data arising from your use of the platform
• Any indirect, consequential, or punitive damages arising from account suspension, game outcome disputes, or service interruptions
• Interruptions or errors caused by third-party services, internet infrastructure failures, or factors outside our reasonable control
• Any decision made by a player based on information displayed on the platform, including live scores, odds, or game statistics

luke 91's total liability to you in connection with your use of the platform shall not exceed the amount of deposits you have made in the 30 days prior to the claim. This limitation does not apply to fraud, gross negligence, or wilful misconduct by luke 91. Nothing in these Terms affects any statutory rights you may have under applicable consumer law.

13. Amendments to These Terms

luke 91 reserves the right to amend, update, or replace these Terms at any time. When material changes are made, we will notify registered players by email and display a prominent notice on the platform for a minimum of 7 days before the revised Terms take effect. The updated Terms will also carry a revised "Last Updated" date at the top of this page.

Your continued use of the luke 91 platform after the effective date of any revised Terms constitutes your acceptance of the updated Terms. If you disagree with any changes, you must stop using the platform and close your account before the new Terms take effect.

14. Governing Law & Disputes

These Terms are governed by and shall be construed in accordance with international gaming regulations applicable to the licensing jurisdiction under which luke 91 operates. In the event of a dispute between you and luke 91, we encourage you to first contact our customer support team at support@luke91.bet — the majority of disputes are resolved at this level within 48 hours.

If a dispute cannot be resolved through customer support, it may be referred to the independent dispute resolution body designated by our licensing authority. Details of this process are available on request. Class action suits and group claims against luke 91 are excluded to the extent permitted by applicable law.

You acknowledge that any claim or cause of action arising from your use of luke 91 must be filed within one year of the date of the event giving rise to the claim. Claims filed after this period are permanently barred.

15. Contact Us

If you have any questions about these Terms and Conditions, or if you need to report a concern, a potential Terms violation, or a dispute, please contact the luke 91 team through the following channels:

• Email: support@luke91.bet (general enquiries and disputes)
• Live Chat: Available 24/7 via the chat widget when logged in to your luke 91 account — average response time under 90 seconds during peak hours
• FAQ: Visit our FAQ page for answers to common questions about accounts, payments, and games

For responsible gaming support, please visit our Responsible Gaming page which includes self-help tools and links to professional support organisations operating in Pakistan.