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Terms of use

These terms explain the rules for using the 99exch.in website and its WhatsApp ID desk: who we are, who may use the service, how payments work, what is not allowed, and the limits of our responsibility. Last updated 17 October 2026.

Maintained by Raja Venu · Last updated 17 October 2026

1. Who we are

99exch.in ("we", "us", "the desk") is an independent information website and ID desk for the 99exch betting exchange panel, also written 99exchange. We are not the operator of the panel. We do not own or run its software, set its odds, operate its markets or decide the results of bets. The desk creates user IDs on the panel, handles deposits and withdrawals for those IDs, and provides support over WhatsApp. The desk earns a commission from the platform on the activity of the IDs it services; we do not charge you a fee to open an ID, deposit or withdraw.

By using this website or contacting the desk, you agree to these terms. If you do not agree, please do not use the website or the service.

2. Who may use the service

You may request an ID only if all of the following are true:

• you are at least 18 years old;
• you are requesting the ID for yourself, and you hold the bank account or UPI ID you will use, in your own name;
• you do not already hold an active ID from this desk (one ID per person);
• you are not currently self-excluded through this desk;
• using the service is lawful for you under the laws that apply to you.

On that last point, please read carefully. The Promotion and Regulation of Online Gaming Act, 2025 and its Rules have been in force since 1 May 2026 and prohibit online money games, including online betting, across India. We are not lawyers and nothing on this website is legal advice. If Indian law applies to you, you should assume that taking part may be unlawful for you and take independent legal advice before doing anything. You are responsible for complying with the law that applies to you. See the legal section on our homepage.

We may refuse to open an ID, or close one, if we believe any of these conditions is not met.

3. The agent relationship

When the desk opens an ID for you, that ID exists on the operator's panel. It is important to understand which party is responsible for what:

• The platform sets odds, runs markets, applies market rules, settles bets and decides on voided markets and technical outages.
• The desk creates and supports your ID, credits your deposits, sends your withdrawals and raises questions with the platform on your behalf.

The desk can explain a settlement and escalate a dispute with evidence, but it cannot overturn a decision that belongs to the platform. Market rules shown on the panel apply to every bet you place.

4. Your ID and its security

• Your ID is personal to you. You must not share it, lend it, sell it or let anyone else place bets on it.
• You must change the temporary password at first login and keep your login and transaction passwords private.
• The desk will never ask for your password, an OTP, your UPI PIN or card details. Do not share them with anyone claiming to be the desk.
• Use only the panel link sent to you by the desk. We are not responsible for losses caused by logging in on a lookalike site or by sharing your credentials.
• Tell the desk immediately if you think someone else has accessed your ID, so that it can be locked and reviewed.

5. Deposits and withdrawals

The following rules exist to protect you and to prevent fraud:

• Own-name accounts only. Deposits must come from, and withdrawals are paid only to, a bank account or UPI ID in the ID holder's own name. Third-party payments may be refused or returned.
• Current details only. Payment details change from time to time. Ask for the current details in the chat before every deposit. We cannot be responsible for payments sent to outdated details you were not given for that deposit.
• Exact amounts. Send the amount you told the desk you would send, and share the confirmation screenshot and UTR or transaction reference.
• Limits. Minimum deposits are ₹500 by UPI and NetBanking and ₹1,000 by IMPS or bank transfer. Maximum amounts per transaction are shown on our payment methods page. Your own bank's limits also apply.
• Withdrawals. Points held as exposure on open bets, or subject to any bonus conditions you accepted, cannot be withdrawn until released. A typical daytime UPI withdrawal takes 15 to 30 minutes, but timings are not guaranteed and may be longer during busy periods, outages or verification of new payout details.
• No upfront fees. The desk never asks for money before paying a withdrawal.

6. Bonuses

If you are offered a bonus, its conditions, including any turnover requirement, will be explained before you accept. You are never required to accept a bonus. Accepting one may delay withdrawal of part of your balance until its conditions are met. Our bonus explainer shows how turnover affects the real value of an offer.

7. Prohibited conduct

You must not:

• open or use more than one ID with this desk, or use an ID belonging to someone else;
• deposit from or request withdrawals to accounts that are not in your name;
• provide false information, including about your age or identity;
• use the service in connection with fraud, money laundering or any other unlawful activity;
• attempt to manipulate markets, exploit technical errors, or use automated tools in a way the platform's rules prohibit;
• harass, threaten or abuse desk staff;
• misrepresent yourself as the desk or use the 99exch.in name to deceive others.

8. Suspension and closure

The desk may suspend or close an ID where it reasonably believes these terms have been broken, where there is a security concern or suspected fraud, where the ID holder appears to be under 18, or where required by law. Where it is lawful and practical, the desk will tell you the reason in the chat and pay out any balance that is properly yours to an account in your name.

You can close your ID at any time by sending "close my ID" with your username. Any remaining balance is paid out first. IDs that remain unused for long periods may be deactivated by the platform; reactivation can be requested through the desk.

9. Responsible play

Betting carries a real risk of losing money. The desk offers deposit caps, time-outs from 24 hours to six weeks, longer self-exclusion and permanent closure on request, and applies them promptly. While a self-exclusion is in force, the desk will not reopen your ID or create a new one for you. Please read our responsible gaming page.

10. Information on this website

The guides and other content on this website are general information, written and checked according to our editorial policy. They are not legal, financial, tax or betting advice, and they do not take account of your personal circumstances. We work to keep content accurate and up to date, but we cannot promise it is complete or free of errors at every moment. See our disclaimer.

11. Limits of our responsibility

In plain words:

• We are not responsible for losses from bets you place, for decisions made by the platform, or for the platform's availability or technical faults.
• We are not responsible for losses caused by sharing your credentials, logging in on a site other than the link the desk sent you, sending payments to details you were not given, or acting on messages from people impersonating the desk.
• We are not responsible for delays caused by banks, payment networks or events outside our reasonable control.
• Nothing in these terms removes any responsibility that cannot be excluded under the law that applies.

12. Communications and records

All communication between you and the desk takes place in your WhatsApp conversation, started from the chat buttons on this website. That conversation is the record of your ID details, deposit confirmations, withdrawal references, limit requests and any decisions made about disputes. Please keep it, and keep each ID's requests in a single thread; starting new conversations from different numbers makes it harder to verify that a request really comes from the ID holder.

Instructions are acted on only when they come from the ID holder. For your protection, the desk may ask simple verification questions before changing payout details, resetting a password or closing an ID, and may decline a request it cannot verify. Messages from anyone claiming to act on your behalf, including family members, are not treated as instructions for your ID, although concerns raised about someone's wellbeing are taken seriously and raised with the ID holder directly.

The desk does not send unsolicited promotional broadcasts. If we need to tell you about a change that affects your ID, such as an updated panel link or a change to these terms, we will do so in your existing conversation.

13. Privacy

How we handle your personal information is explained in our privacy policy.

14. Changes to these terms

We may update these terms when the service, the law or our practices change. The date at the top of this page shows the latest version. Continuing to use the website or the desk after a change means you accept the updated terms.

15. Questions

If you have a question about these terms, ask the desk through the WhatsApp chat buttons on this website. We do not offer email or telephone support. See our contact page for what to include in your message.