Terms & Conditions

1. Introduction

These Terms & Conditions ("Terms", "Agreement") govern your access to and use of the pak395 website, located at https://pak395.cam ("the Platform", "the Site", "pak395", "we", "us", "our"). pak395 is an English-language online betting information and educational content platform specifically designed to serve Pakistani users.

pak395 is not a gambling operator. We do not conduct gambling activities, operate casino games, accept real-money wagers, maintain player accounts, process deposits or handle withdrawals. The Platform publishes informational and educational content relating to sports betting, live casino games, responsible gambling practices, odds formats and related topics. This distinction is fundamental to understanding the scope and limitations of these Terms.

By accessing pak395 you acknowledge that you have read these Terms in full, that you understand them, and that you agree to be bound by them. If you do not agree to any part of these Terms, you must discontinue use of the Platform immediately.

2. Definitions

For the purposes of these Terms, the following definitions apply:

3. Acceptance of Terms

Access to and continued use of the Platform constitutes your unconditional acceptance of these Terms. This acceptance is effective as of the first moment you access any page of pak395. If you are accessing the Platform on behalf of an organisation or third party, you represent and warrant that you have the authority to bind that entity to these Terms.

These Terms apply in addition to any other notices, policies or guidelines posted on specific sections of the Platform, including but not limited to the Privacy Policy and the Responsible Gambling page. In the event of any conflict between these Terms and section-specific notices, these Terms shall prevail unless explicitly stated otherwise.

4. User Eligibility

By accessing pak395 you confirm and warrant that:

• You are at least 18 years of age, or above the minimum age required by your jurisdiction, whichever is higher;
• You are accessing the Platform voluntarily and solely for lawful purposes;
• You are not prohibited by any applicable law in your jurisdiction from accessing online gambling information;
• You will not permit any person who does not meet the eligibility criteria above to access the Platform through your device or connection;
• Any information you provide in connection with use of the Platform is accurate and complete.

pak395 reserves the right to restrict or terminate access to the Platform for any user who does not, or cannot, satisfy these eligibility criteria.

5. Platform Use

The Platform is made available to you for personal, non-commercial informational use only. You are permitted to browse, read and share content from pak395 for lawful personal purposes, provided that you comply with these Terms at all times.

You agree to use the Platform in a manner that:

• Does not violate any Applicable Laws or regulations;
• Does not infringe the intellectual property, privacy or other rights of pak395 or any third party;
• Does not involve the use of automated scraping tools, bots or crawlers to extract data from the Platform without prior written permission;
• Does not attempt to gain unauthorised access to any systems, databases or resources associated with the Platform;
• Does not involve the transmission of any malicious code, virus, spyware or other harmful content to or through the Platform.

6. Content & Accuracy

pak395 makes reasonable efforts to ensure that all content published on the Platform is accurate, up to date and clearly labelled with respect to its nature. However, the Platform does not guarantee the accuracy, completeness, timeliness or fitness for any particular purpose of any content.

The following principles govern how content is presented on pak395:

• Illustrative figures — Any monetary amounts, bonus values (e.g., "up to PKR 25,000"), wagering requirements (e.g., "30× rollover"), minimum deposits (e.g., "PKR 1,000") or similar figures are clearly labelled as illustrative examples only. They do not represent live offers, guarantees or confirmed operator terms.
• RTP percentages — Any Return to Player figures displayed in game descriptions are illustrative ranges only and are explicitly labelled as such. Actual RTP values are set by the game developer and may differ.
• Payment references — Mentions of Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank and Bank Alfalah are used purely as familiar Pakistani payment context. No claim is made that these institutions support, endorse or facilitate gambling transactions.
• Sports references — References to Pakistan cricket, PSL, ICC World Cups and other sporting events are included for contextual relevance only. pak395 is not affiliated with, endorsed by or associated with the PCB, PSL, ICC or any team, player or sporting body.

Users should independently verify any information before making any financial, legal or practical decision based on content found on pak395.

7. Intellectual Property

All content on pak395 — including text, article structure, editorial guides, glossary entries, design layouts, colour schemes, graphics and icons — is the proprietary intellectual property of the Platform or its licensors, and is protected by applicable copyright and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and read the Platform's content for personal, non-commercial purposes. This licence does not include:

• Reproducing, copying or republishing any content without written permission;
• Creating derivative works based on Platform content;
• Using Platform content for commercial purposes or redistribution;
• Removing or altering any copyright, trademark or attribution notices.

Any third-party trademarks, brand names or logos that appear on this Platform (including any payment provider names used as contextual references) remain the property of their respective owners. Their appearance on pak395 does not imply any endorsement or commercial relationship.

8. Third-Party Operators

pak395 may reference, discuss or describe third-party online gambling and sportsbook operators in its content. Such references are made solely for educational and informational purposes. pak395 does not endorse, recommend, warrant or take responsibility for any third-party operator referenced on this Platform.

If you choose to access or use any third-party operator's services following exposure to content on pak395, you do so entirely at your own risk and under that operator's own terms and conditions. pak395 is not a party to any agreement between you and any such operator.

9. Limitation of Liability

To the fullest extent permitted by applicable law, pak395, its operators, contributors and affiliates shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages arising from:

• Your access to or use of (or inability to access or use) the Platform;
• Any reliance placed on information, figures or guidance published on the Platform;
• Financial losses incurred through gambling with any third-party operator referenced on the Platform;
• Legal consequences arising from your participation in gambling activities;
• Technical errors, downtime, inaccuracies or omissions in Platform content;
• Unauthorised access to or alteration of your data by third parties.

The Platform is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose or non-infringement.

10. Prohibited Conduct

The following activities are strictly prohibited when using pak395:

• Accessing or attempting to access restricted sections or back-end systems of the Platform;
• Using the Platform to distribute spam, phishing content or unsolicited commercial communications;
• Impersonating pak395, its team members, or any other person or entity;
• Engaging in any activity that disrupts, damages or impairs the performance of the Platform;
• Using the Platform in connection with any fraudulent, deceptive or unlawful scheme;
• Circumventing any technical measures implemented to protect the Platform or its users;
• Collecting personal information about other users of the Platform without their explicit consent.

pak395 reserves the right to restrict or permanently block access for any user found to be engaging in prohibited conduct, without notice and without liability.

11. Privacy

Your privacy is important to pak395. The collection, processing and storage of any personal data in connection with your use of the Platform is governed by the pak395 Privacy Policy, which is incorporated into these Terms by reference.

By using pak395 you consent to the data practices described in the Privacy Policy. You are encouraged to read the full Privacy Policy to understand what data is collected, how it is used, how long it is retained and what rights you hold in relation to your data. The Privacy Policy is available at /privacy-policy.

12. Responsible Gambling

pak395 is firmly committed to the promotion of responsible gambling practices. The Platform consistently advocates for informed, controlled and responsible participation in any gambling activity. The following principles underpin our responsible gambling position:

• Gambling is a form of entertainment and should never be used as a strategy to generate income or resolve financial difficulties;
• Players should establish strict budget limits and never wager more than they can comfortably afford to lose;
• Chasing losses is one of the most harmful gambling behaviours and should be avoided at all times;
• Self-exclusion, deposit limits, loss limits and session time limits are important tools that responsible operators should provide and players should actively use;
• Gambling can be addictive. If you or someone you know exhibits signs of problem gambling, please seek support from a qualified professional or recognised support organisation.

Full guidance on responsible gambling tools and resources is available on our dedicated Responsible Gambling page at /responsible-gambling.

13. Legal Context – Pakistan

Pakistan operates under the Prevention of Gambling Act, 1977, which broadly restricts gambling activities within the country. The legal status of online and remote gambling in Pakistan is complex and subject to ongoing regulatory interpretation. The position may also vary under different provincial frameworks.

pak395 does not claim to be licensed, regulated, approved or endorsed by any Pakistani governmental body, including but not limited to:

• The Government of Pakistan (federal or provincial);
• The Pakistan Telecommunication Authority (PTA);
• The State Bank of Pakistan;
• Any banking institution including HBL, UBL, Meezan Bank or Bank Alfalah;
• Any payment services provider including Easypaisa, JazzCash or Raast.

Users in Pakistan must independently verify the legal status of online gambling in their jurisdiction before engaging with any operator. pak395 accepts no responsibility for any legal consequences arising from a user's decision to access or use gambling services.

14. Modifications to These Terms

pak395 reserves the right to revise, update or replace these Terms & Conditions at any time at its sole discretion. When changes are made, the "Last Updated" date shown at the top of this page will be revised accordingly.

It is your responsibility to check these Terms periodically for changes. Your continued use of the Platform following the posting of any modifications constitutes your acceptance of those modifications. If you do not agree to the modified Terms, you must stop using the Platform.

pak395 also reserves the right to modify, suspend or discontinue any part of the Platform at any time without notice and without liability.

15. Governing Law & Severability

These Terms are governed by and construed in accordance with applicable laws. Where any provision of these Terms is found to be invalid, unlawful or unenforceable under applicable law, that provision will be severed from the remainder of the Terms, which shall continue in full force and effect.

The failure of pak395 to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision. The section headings in these Terms are for convenience only and have no legal effect.

16. Contact Us

If you have any questions, concerns or feedback regarding these Terms & Conditions, please contact the pak395 team using the details below: