Bet20 Terms and Conditions – General Rules for Use of the Betting Platform

For purposes of this document, the following terms have the meanings set out below:

To create an account and use the services of bet20, the user must meet the following mandatory requirements:

• Be at least 18 years of age of age on the date of registration.
• Be a resident of Brazil and hold a valid CPF issued by the Receita Federal.
• Have full legal capacity to enter into contracts in accordance with the Brazilian Civil Code.
• Not be subject to any active self-exclusion measure on any betting platform.
• Not be an employee, contractor, or immediate family member of a bet20 employee.

Registration on bet20 is free and allows only one account per CPF. Creating duplicate accounts to obtain bonuses or circumvent restrictions is strictly prohibited and will result in the closure of all accounts involved and the permanent blocking of the CPF on the platform.

By registering, the user agrees to provide accurate, complete, and up-to-date information. bet20 may request supporting documentation at any time — including national ID, driver's license, CPF, and proof of address — for identity verification (KYC). Refusing to provide valid documentation may result in a temporary account suspension and withdrawal hold until the matter is resolved.

The user is solely responsible for the security of their login credentials — email, password, and any additional authentication method set up on their bet20.

• Never share your password with anyone — bet20 will never ask for your password by email, chat, or phone.
• Enable two-factor authentication (2FA) in your account settings for extra security.
• Notify support immediately at contato@bet20.life if you suspect unauthorized access.
• Bet20 is not liable for losses resulting from the user's own negligence in protecting their login credentials.

Each account is personal and non-transferable. Assigning, selling, transferring, or sharing account access with another person is not permitted. bet20 monitors access patterns and may suspend accounts where multiple users are detected.

Accounts inactive for more than 12 months may have their balance reduced by a R$ 5.00 monthly maintenance fee following email notification. Accounts inactive for more than 24 months may be closed, with any remaining balance kept available for withdrawal upon formal request for up to 5 years.

The bet20 accepts deposits in BRL (R$) via the following methods, all available with no fees charged by the platform:

• Pix — minimum deposit of R$ 20.00, instant processing 24 hours a day, 7 days a week.
• Boleto bancário — minimum deposit of R$ 30.00, cleared within 1 to 3 business days.
• Visa/Mastercard credit card — minimum deposit of R$ 30.00, processed immediately.
• Visa/Mastercard debit card — minimum deposit of R$ 20.00, processed immediately.
• PicPay — minimum deposit of R$ 20.00, processed instantly.
• Mercado Pago — minimum deposit of R$ 20.00, processed instantly.
• TED transfer (Itaú, Bradesco, Banco do Brasil, Nubank, and others) — minimum deposit of R$ 50.00, processed on the same business day.

All deposits must be made by the account holder themselves — the name and CPF on the payment method must match the details registered on the bet20. Deposits made by third parties will be returned to the sender and the account may be suspended pending investigation.

Bet20 does not charge any fees on deposits. For bank transfers (boleto bancário and TED), the user's own bank may apply its own fee in accordance with the customer's current account agreement.

The bet20 processes withdrawals exclusively to bank accounts or digital wallets whose linked CPF matches the one registered on the platform. Transfers to third parties are not permitted under any circumstances.

Available withdrawal methods:

• Pix — minimum withdrawal of R$ 30.00, processed within up to 24 business hours (in practice, most are completed in under 4 hours).
• PicPay — minimum withdrawal of R$ 30.00, processed within up to 24 business hours.
• Mercado Pago — minimum withdrawal of R$ 30.00, processed within up to 24 business hours.
• TED transfer — minimum withdrawal of R$ 50.00, processed within 1 to 2 business days.

For the first withdrawal, the user must have completed the identity verification process (KYC) — which requires submitting a photo ID (national ID or driver's license) and a selfie for confirmation. This process is carried out once only. After verification, withdrawals within normal limits are processed without any additional documentation.

Withdrawals above R$ 10,000.00 may be subject to an additional review period of up to 72 hours to ensure compliance with anti-money laundering regulations established by COAF (Conselho de Controle de Atividades Financeiras).

The bet20 does not charge any fees on withdrawals. No amount is deducted from the requested balance during platform processing.

The bet20 offers bonuses and promotions subject to specific conditions. The rules below apply to all bonuses unless otherwise stated in the individual promotion's terms.

• Welcome bonus: 100% of the first Pix deposit, up to R$ 500.00. Available to new users on their first deposit only. Requires a rollover of 5x the bonus amount before withdrawal.
• Free spins: 50 free spins granted upon email confirmation at sign-up. Each spin is valued at R$ 0.50. Winnings are subject to a 20x rollover before being released for withdrawal. Valid for 7 days after being credited.
• Rollover: Calculated on the bonus amount, not the deposit amount. Live Casino bets and Sports Betting with odds above 1.50 are eligible to count toward the rollover requirement.
• Bonus validity: All bonuses are valid for 30 days from the date of credit, unless otherwise stated. Expired bonuses are automatically removed from your balance.
• Accumulation: Stacking multiple welcome bonuses is not allowed. Only one bonus may be active at a time, except in specific promotions announced by the platform.
• Bonus abuse: bet20 monitors bonus usage and reserves the right to cancel bonuses where betting patterns constitute abuse — such as placing bets on both sides of an event to meet rollover requirements without real risk.

The bet20 may modify, suspend, or end promotions at any time, notifying the user at least 7 days in advance by email when the change affects bonuses already granted.

Bets on the platform bet20 follow the rules below, which apply to all markets — football (Brasileirão, Copa do Brasil, Libertadores, international leagues), volleyball, basketball (NBB), MMA/UFC, e-sports, and all other available sports:

• Confirmed bet: Once confirmed by the system, a bet cannot be unilaterally cancelled by the user, except where the cash out feature is available for that market.
• Odds: Odds reflect the probability estimated by bet20 at the time the bet is placed. Odds published due to a technical error (significantly off-market) may be cancelled before the event takes place, with the staked amount refunded.
• Event cancellation: If an event is cancelled, postponed by more than 36 hours, or not concluded for regulatory reasons, bets will be voided and stakes returned to the user's balance.
• Cash Out: The cash out option is available on selected markets during the pre-match and live periods. The cash out value offered is calculated by the system based on current odds and may be lower than, equal to, or higher than the original stake.
• Parlay bets: Parlay (combined) bets require all selected events to be independent of one another. bet20 may refuse or limit parlay bets that constitute arbitrage or create a conflict of interest between the selected markets.
• Betting limits: bet20 may set minimum and maximum bet limits per market, event, or user. Limits are displayed in the interface before the bet is confirmed.

Sports match fixing is a criminal offense in Brazil (Law 13.756/2018) and a serious violation of the bet20. Any suspected manipulation will be reported to the relevant authorities and the account will be closed immediately.

The casino games available on bet20 — including slots, crash games (Aviator, Mines, JetX), live casino (roulette, blackjack, baccarat, Crazy Time) and others — are governed by the specific rules of each provider (Pragmatic Play, PG Soft, Evolution, Playtech) as well as the general conditions of this section:

• RNG and fairness: All casino game outcomes are determined by Random Number Generators (RNG) certified by independent laboratories such as eCOGRA and BMM Testlabs. No outcome can be predicted or influenced.
• RTP: The Return to Player for each game is displayed on the game sheet before the round begins. The average RTP for slots on bet20 is 97%, though individual results may vary significantly.
• Technical failures: In the event of a technical failure during a slot round or live casino session, bet20 will investigate and resolve the matter based on server records. Bets whose outcome was affected by a confirmed technical failure will be voided and the amounts refunded.
• Progressive jackpot: The jackpot is triggered randomly by RNG. Any eligible bet within the game's qualifying range has a chance of triggering the jackpot. The jackpot value is displayed in real time on the interface, though minor update discrepancies may occur.
• Crash games: The crash multiplier in crash games is determined by a certified RNG before each round begins. Previous round results have no influence on future rounds.

The following actions constitute a violation of the terms of bet20 and may result in suspension, account closure, and permanent blocking, as well as balance forfeiture and reporting to the relevant authorities:

• Creating multiple accounts to claim bonuses or circumvent restrictions.
• Use of third-party data (CPF, documents, payment methods) for registration or deposits.
• Any form of sports match fixing or complicity with individuals involved in match fixing.
• Use of bots, automated scripts, arbitrage software, or any tool that automates betting in a way that undermines market integrity.
• Bonus abuse — bets specifically designed to meet rollover requirements without real risk, such as covering both sides of the same event.
• Money laundering or using the platform for any illicit financial activity.
• Unauthorized access or attempted access to bet20 systems, servers, or other users' accounts.
• Identity verification fraud — submission of forged or tampered documents.

Closure by the user: You may request account closure at any time via live chat or by email at contato@bet20.life. Any available real-money balance will be processed for withdrawal within the standard timeframe following your request. Bonus balances that have not met the rollover requirement will be forfeited.

Closure by bet20: The bet20 may close or suspend accounts in the following situations:

• Violation of the terms and conditions described in this document.
• Suspected fraudulent activity, money laundering, or match-fixing.
• Providing false information during registration or the KYC process.
• Self-exclusion request submitted by the user.
• Court or regulatory order.

In cases of closure due to a terms violation, bet20 will hold the balances pending investigation. If the investigation confirms the irregularity, balances linked to the prohibited activity will be cancelled. Any personal funds unrelated to the irregularity will be returned to the account holder once the review is complete.

The bet20 believes that betting is a form of entertainment — and that healthy entertainment requires control. That's why it offers real responsible gambling tools that actually work:

• Deposit limits: Set daily, weekly, and monthly limits in your account settings. Limits take effect immediately. To increase a limit, a 7-day cooling-off period is required before the change takes effect.
• Temporary self-exclusion: Lock your account for periods of 24 hours, 7 days, 30 days, 90 days, or 6 months. During the lock period, no access is permitted — early reactivation cannot be requested.
• Permanent self-exclusion: Permanent account closure, with no possibility of reactivation. Any available balance will be refunded following a 30-day review period.
• Gambling reality: The platform displays session timers and play-time alerts to keep users aware of how long they have been playing.
• Support: If you notice signs of problem gambling in yourself or someone close to you, reach out via live chat or visit our Responsible Gambling.

The bet20 does not create or accept accounts for individuals who are actively self-excluded. Automated systems detect re-registration attempts following permanent self-exclusion.

The bet20 is not liable for:

• Financial losses resulting from bets freely placed by the user on the platform.
• Internet connection failures, network instability, or issues with the user's device that prevent access to the platform or affect the completion of a bet.
• Deposit delays caused by the user's bank or digital wallet — bet20 processes its side of the transaction immediately upon confirmation from the issuer.
• Indirect damages, loss of expected profits, or any damages not directly resulting from a proven action by bet20.

In cases of a verified technical failure on the platform of bet20 that results in financial loss to the user, bet20 commits to investigating and reimbursing the affected amount within 10 business days of formal notification through the support channel.

Bet20's maximum liability in any specific case is limited to the amount actually deposited by the user in the transaction related to the incident.

All platform content bet20 — including but not limited to the logo, design, text, images, software, odds, market data, and interface structure — is the property of bet20 or its partners and content providers, protected under Brazilian intellectual property law.

Users are prohibited from:

• Reproducing, copying, modifying, or distributing any platform content without explicit written authorization.
• Reverse engineering the platform or attempting to extract data from it, including odds and market data.
• Using the name "bet20" or any associated brand in public communications in a way that could cause confusion about the nature of your relationship with the platform.

The casino games available on bet20 are the property of their respective providers (Pragmatic Play, PG Soft, Evolution, Playtech, and others), licensed for use on the platform. The specific rules for each game are set by the provider.

The bet20 reserves the right to modify these Terms and Conditions at any time. Changes follow the procedure below:

• Users will be notified of material changes by email at least 14 days in advance before taking effect.
• Minor changes — such as spelling corrections or clarifications that do not affect user rights — may be applied immediately, with the update date noted in this document.
• Continued use of the platform after a change takes effect constitutes implicit acceptance of the updated terms.
• If the user does not agree with the changes, they may close their account without penalty within the 14-day notice period, with any available balance withdrawn and processed as normal.

This document was last updated on January 2026. The most recent version is always the one in effect and is available on this page.

These Terms and Conditions are governed by the laws of the Federative Republic of Brazil, including:

• General Data Protection Law (LGPD) — Law 13.709/2018: governs how users' personal data is handled.
• Consumer Protection Code — Law 8.078/1990: applies to the consumer relationship between bet20 and its users.
• Law 13.756/2018 and regulations of the Secretaria de Prêmios e Apostas (SPA): govern fixed-odds sports betting in Brazil.
• Brazilian Civil Code — Law 10.406/2002: applies to general contractual relationships.

The courts of the Comarca of São Paulo, State of São Paulo, Brazil, are hereby elected as the exclusive jurisdiction for resolving any disputes arising from these terms, with express waiver of any other jurisdiction, however privileged.

The bet20 operates in compliance with Brazilian fixed-odds sports betting and online casino regulations. For regulatory compliance inquiries or to submit a formal complaint, please contact us at contato@bet20.life.