LEGAL REFERENCE

Your Account Terms & Policy Centre

We operate hm77 under clear account rules and payment safeguards built for Pakistan players. Every deposit via JazzCash, Easypaisa, SadaPay or Raast, and every withdrawal back to your...

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hm77 Your Account Terms & Policy Centre

Operating Framework & Jurisdiction

hm77 operates its platform where local law permits and maintains compliance with payment regulations across supported regions in Pakistan. Your account deposits through JazzCash, Easypaisa, SadaPay and Raast are processed via licensed financial corridors; withdrawals are verified through the same channels before funds clear to your registered mobile wallet. We store account data on encrypted servers and retain records according to financial

reporting standards. Disputes between you and hm77 are resolved through our in-platform support team within seven working days, or escalated to our legal contact if settlement requires external review. All terms are subject to change with 30 days' notice posted in your account dashboard.

Service availability is jurisdiction-dependent. Users are responsible for checking local law before access.

REACH OUR TEAM

Legal & Account Support Contacts

In-Platform Support Open the Help menu inside your account lobby...
Escalation & Legal Enquiry For formal disputes or policy interpretation requests, submit...
Payment & Withdrawal Issues Contact our Finance desk if a JazzCash, Easypaisa...
SECURITY STANDARDS

How We Protect Your Account

Encrypted Payment Flow

Every deposit via JazzCash, Easypaisa, SadaPay or Raast uses TLS 1.2 encryption. Your wallet credentials are never stored on our servers; payment tokens expire after each transaction for additional security.

Account Verification

Your account requires two-factor verification at login and withdrawal. We cross-check your mobile number against your payment method to prevent unauthorised access or fund transfers.

Data Retention Policy

We retain transaction logs and account details for seven years per Pakistani financial regulations. Inactive accounts are flagged after 24 months; dormant data is archived and cannot be accessed without account reactivation.

Dispute Documentation

All withdrawal requests, payment failures, and account disputes are logged with timestamps and encrypted proof. You can download a full transaction history from your account settings for your own records.

Third-Party Audit Trail

Our payment processing partners (JazzCash, Easypaisa, SadaPay, Raast operators) maintain their own compliance logs. You can request a transaction receipt directly from your mobile wallet if you need external verification.

Account Lock & Recovery

If you suspect unauthorised activity, lock your account immediately through the Security settings. We'll freeze all pending withdrawals and review your last 30 days of transactions before reactivating access.

How This Page Fits Your Legal Rights

Terms & Conditions
This legal page summarises your account rights, payment flows, and dispute paths. Full terms are linked in your account footer; updates are notified 30 days in advance.
Privacy Policy
Your personal data (name, mobile, wallet ID) is governed separately under our Privacy Centre. Payment history is shared with JazzCash, Easypaisa, SadaPay and Raast only for transaction verification.
Payment Methods Policy
This page covers the legal basis for accepting JazzCash, Easypaisa, SadaPay and Raast in supported regions. Each payment partner has its own user agreement you accepted when registering your wallet.
Withdrawal & Refund Rules
Withdrawals are processed within three working days; refunds for failed deposits are reversed to your wallet within five working days. We keep detailed proof for all reversals in your account ledger.
Account Suspension & Closure
We may suspend your account if we detect fraud, policy breach, or regulatory risk. You'll receive a written notice with the reason and a 14-day appeal window before any permanent closure.
Liability & Indemnity
hm77 is not liable for delays caused by JazzCash, Easypaisa, SadaPay, Raast or your mobile provider. You indemnify hm77 against claims arising from your own account misuse or payment method failure.
Severability & Jurisdiction
If any term is ruled invalid by local law, the remaining terms stay in effect. Disputes are governed by Pakistani law and resolved through our internal process first, then external arbitration if needed.
PLATFORM CORNERSTONES

What Defines Our Legal Approach

Transparent Account Ledger Every deposit, withdrawal, and game result appears in your account...
Real-Time Payment Tracking When you deposit via JazzCash, Easypaisa, SadaPay or Raast, your...
No Hidden Fees Policy All withdrawal amounts are shown before you confirm. hm77 does...
Automatic Compliance Screening Your account is checked against financial sanction lists during registration...
Game Fairness Certification Our slot and live-table games use certified random-number generators audited...
Multi-Language Support Documents All key legal documents—terms, privacy, dispute procedures—are available in English...

Frequently Asked Legal Questions

If your payment is deducted from your wallet but doesn't credit to hm77 within two hours, contact our Finance desk immediately with your transaction reference number from your mobile provider. We'll verify the payment status and either complete the deposit or refund it to your wallet within three working days.

No. For security and anti-fraud compliance, withdrawals must return to the same JazzCash, Easypaisa, SadaPay or Raast wallet registered to your hm77 account. If you need to change your registered wallet, submit a request through your account settings and we'll verify your identity within two working days.

Withdrawal requests are processed within three working days from the time you submit them. Your mobile provider then credits the funds to your wallet; this typically takes one additional working day depending on your JazzCash, Easypaisa, SadaPay or Raast provider's clearing schedule.

We share only your wallet phone number, transaction amount, and transaction date to process each deposit and withdrawal. We do not share your game history, balance, or account activity with payment providers unless required by Pakistani financial law or a valid legal order.

If you raise a dispute through our in-platform support centre, we investigate and respond within seven working days. If the dispute involves a payment provider (JazzCash, Easypaisa, SadaPay, Raast), we coordinate with them and provide you with a resolution or escalation path within 14 days.

We can suspend your account immediately if we detect fraud or policy breach. However, we will always send you a written notice within 24 hours explaining the reason and your right to appeal within 14 days. Permanent closure requires at least 14 days' written notice unless a regulatory authority orders immediate action.

Yes. Your account data is encrypted using TLS 1.2 and stored on secure servers in compliant data centres. We retain your account details and transaction history for seven years per Pakistani financial regulations. Inactive accounts are archived but retrievable if you reactivate your account.