RCP

1. Funds, Payments, Prizes and Withdrawals

a.All transactions including and not limited to payment and withdrawals shall be in Indian Rupees. All deposits and withdrawals must be made through your user account at app Platform. You may participate in cash module of games and tournaments only through your specific user account.

b.On completing registration you shall be provided with categories of accounts for the processing and reconciliation of payments: (i) 'Deposit' Account, (ii) Winnings Account and (iii) Bonus Account. It is further clarified that in no instance the transfer of any amounts in the User's accounts to any other category of account held by you or any third party account, including a bank account held by you or a third party shall be applicable, save and except for any payment gateway charges / fees deducted by us for usage of our Services. Please note that amounts lying in any of your accounts do not have any interest and neither can you claim any right of interest on such account balances. You waive your right to claim interest from us.

c.For participation in paid versions, the following shall be applicable to users

▶The payment of pre-designated amount Users make to participate in the game (s) is inclusive of the pre-designated platform fee for access to the app by Services charged by our company and pre-determined participants contribution towards prize pool money.
▶Subject to these Terms of Access, all amounts collected from the User and the winnings amount are held in a separate non-interest earning nodal account or such other account as deemed fit by us under statutory laws, which shall be responsible for management of user account and prize pool, until determination of the Winners and distribution of prizes. We receive only the share of pre-designated platform fees and have no control over the User funds held in a dedicated noninterest earning nodal account and by participating and accepting these terms you understand and agree that we are acting only as agents on your behalf and you therefore authorise us to manage the nodal account.
▶We reserve the right to charge a platform fee, which would be specified and notified by us in the game page being created on app mobile app and prior to a user's joining of such game contest we shall issue an invoice for the platform fee paid by the user. Platform fee will be calculated as fixed percentage of total amount paid by user to participate in contest.
▶The user may participate in a game contest wherein the user has to contribute a pre-specified contribution towards the pool money of such contest, which will be passed on to the Winner(s) of the Game contest after the completion of the contest. It is clarified that we have no right or interest in this pool money, and we only act as an intermediary engaged in collecting and distributing the pool money in accordance with the game contest terms and conditions. User's winnings in any Game contest will reflect as credits to the Winning Account.
▶A User is permitted to withdraw amounts credited into Winning Account at any given time and our company would be acting in the capacity of a collection agent only for the users winning a particular game. All amounts credited into Winning Account must be utilized within 345 days of credit. In case any unutilized amount lies in the Winning Account after the completion of 345 days from the date of credit of such amount, we reserve the right to forfeit such unutilized amount, without liability or obligation to pay any compensation.
▶Withdrawal of any amount standing to the User's credit in the Winning Account may be made by way of a request to our company. In either case, our company shall effect an online transfer to the wallet or User's bank account on record with our company within a commercially reasonable period of time. Such transfer will reflect as a debit to the Winning Account our company shall not charge any processing fee for the online transfer of such amount from the Winning Account to the User's bank account on record with our company. Users are requested to note that they may be required to provide valid photo identification and address proof documents for proof of identity and address in order for our company to process the withdrawal request.
▶As of date partial withdrawal is not allowed and once this facility is activated, we might notify you or take steps to keep you informed; however, your partial or full withdrawal shall not make or create any liability on us. Withdrawal of any amount standing in your Winning Account may be made by way of a request to us. In either case, we shall effect an online transfer to the wallet of user on record with us within a commercially reasonable period of time or such other account as made available to us by user. Such transfer will reflect as a debit to the Winning Account and this transfer shall not be charged with any processing fee for such transfer. However, in some instances we might require users to provide valid photo identification and address proof documents for proof of identity and address in order to process the withdrawal request.
▶Users agree that once they confirm a transaction on app Platform, they shall be bound by and make payment for that transaction.

d.Subject to the add cash limits specified by us for individual users from time to time, you are free to deposit as much money as you want in your deposit account for the purpose of participating in cash modules of offerings. We want you to play responsibly and hence the ability to add cash in your user account shall be subject to some limits and risk mitigation measures, which shall be set by us with undertakings, indemnity, waiver and verification conditions as we deem appropriate in our sole discretion.

e.Payments by You in your user account will be regulated using payment instruments which have been accepted and authorized by us and shall be governed by regulations, our policies and such other requirements as are mandatory and which we feel are required for having efficiency in the process and systems. We may restrict the amount of money you can add to your user account as we want you to play responsibly.

f.Processing of payments made via credit card, debit card, e-wallets, prepaid cash cards and internet banking are processed through gateways owned and operated by third-party payment service providers. As third parties who process such payments require authorization we are not responsible for disruptions, denials or delays caused at the payment processors end. We are not responsible for delays or denials at their end and processing of payments will be solely in terms of their policies and procedures without any responsibility or risk at our end. If there are any issues in connection with adding cash/ withdrawal, you need to contact us or raise a complaint. You agree that in such an event of your credit being delayed or eventually declined for reasons beyond our control, we will not be held liable in any manner whatsoever. Only when your transaction is authorized, the funds will be credited to your user account and will be available for you to participate in cash module of games.

g.We may cancel a transaction at any time based on its discretion. If before the transaction is cancelled, the payment is successful, the transaction will be reversed. The money in such case will be credited back to your payment instrument. In case of cancellation request or refund request initiated by you, then we may act upon (at our sole discretion) to credit the user's account with the refund amount or cancellation amount in 3 to 5 business days. Our analysis on refunding of amount shall be based on case to case basis and depend upon various factors which include and are not limited to anti - money laundering, responsible play, fraud detection etc.

h.Further, in order to have efficient checks and controls you shall not be permitted to transfer / withdraw or request the transfer of any amount lying in the Deposit and Bonus Account. The usage of Deposit and Bonus Account shall be only towards gameplay. Withdrawals and transfer request will not be entertained. You will appreciate that amounts lying into your Deposit Account is required to be utilized within 345 days of credit In case any unutilized amount lies in the Deposit Account after the completion of 345 days from the date of credit of such amount, we reserve the right to forfeit such unutilized amount, without liability or obligation to pay any compensation. In case you terminate your account with us, or such account if terminated by us, then only we may return to you such amounts lying in the Deposit Account, which shall be at our sole discretion.

i.All winnings won by you shall be credited by us into your winnings account and You may withdraw your winnings by means of either an electronic transfer for the amount of winnings or by placing a request.

j.You agree that all withdrawals you make are governed by the following conditions:

▶We may ask you for KYC documents to verify your address and identity at any stage. Withdrawals will be permitted only from accounts for which such KYC process is complete.
▶You can choose to withdraw money from your winnings account at any time, subject to withdrawal restrictions, by notifying us of your withdrawal request.
▶Once notified, post verification of the withdrawal request, we may disburse the specified amount by electronic transfer or cheque based on the mode of withdrawal selected by you. We shall make our best efforts to honor your choice on the mode of withdrawal, but reserve the right to always disburse the specified amount to you by cheque. We also reserve the right to disburse the amount on the financial instrument used to Add Cash to your user account.
▶Withdrawals attract processing charges as per the prevalent policy. You may be eligible to make one or more free withdrawals in a month depending on various factors including your account status, the amount of withdrawal or the mode of withdrawal. In the event that you do not have an adequate amount in your user account to pay the processing charge, your withdrawal will not be processed at that time. You may request for a free withdrawal subsequently if you become eligible for the same at such time.
▶We will attempt our best to process your withdrawals in a timely manner, but there could be delays due to the time required for verification and completing the withdrawal transaction. We shall not be liable to pay you any form of compensation for the reason of delays in remitting payments to you from your user account.
▶To be eligible to win a prize, you must be a resident of India and accessing the services of app Offerings on the Services from India and not from any of the restricted states.
▶At times We may conduct promotional activities, and offer rewards for the purpose of participation in game and which shall be non - transferable. Such promotional offers shall not entitle you to demand the issuance at any subsequent period in time nor create an expectation of recurring issue by us to you. In case you terminate your account with us, or such account if terminated by us, we may cancel all the gratifications granted to you and you shall not have any right or interest on such promotions.

2 Purchases

In app Platform you may purchase, with "real world" money, a limited, personal, non-transferable, non-sub licensable, revocable license to use:

2.1.1 "virtual currency" which shall mean digital currency that is only available in electronic form and not in physical form. It is stored and transacted in only through designated software, mobile or computer applications, or through dedicated digital wallets, and the transactions occur over the Internet or over secure dedicated networks, including but not limited to virtual cash, for use in games;

2.1.2 "virtual in-game items"

2.1.3 other goods or services ("Merchandise").We may manage, regulate, control, modify or eliminate Virtual Items and/or Merchandise at any time, with or without notice and shall have no liability (whatsoever) either to you or any third party in the event we exercise any such rights. The transfer of Virtual Items and Merchandise is prohibited except where expressly authorized by us. Other than as expressly authorized in the Service, you shall not sell, redeem or otherwise transfer Virtual Items or Merchandise to any person or entity, another user or any third party.

2.1.4 Virtual Currency like Coins, Beans or any other in-game currency that a user earn or buy cannot be converted into real money. It should also be noted that the purchase of in-game currency, such as virtual coins, cash, gold, gems and diamonds, points, etc. last only for the duration of the app or game and is managed and controlled by game provider. If you choose to uninstall the app, these features and coins may cease to exist, and are not transferable. These virtual items subsequently cannot be refunded. You understand that you do not own Virtual Items but acquire a limited license to use Virtual Items according to the specific Game's gameplay. You acknowledge that our company is not required to provide a refund for any reason.

2.1.5 Making an in-app purchase may require you to share additional personal identification and/or payment-related information with us. If any private information that is collected by a third-party billing service during purchases, it is stored and secured by that third-party and may or may not be shared with us. The third-party has the liability for storing and securing such additional information. If any particular information is provided to our company, we can only ensure the protection of such information on our portal. Payment failure and refund related queries need to be addressed by the third-party as per their own T&Cs.

2.2 ALL PURCHASES AND REDEMPTIONS OF VIRTUAL CURRENCY MADE THROUGH app OFFERINGS ARE FINAL AND NON-REFUNDABLE. ALL REWARDS /PRIZES ON REDEMPTION VIRTUAL CURRENCY SHALL BE AT SOLE DISCRETION OF our company.

2.3 Payment of Subscription Fees - Fees are payable in advance and are not refundable in whole or in part. We reserve the right to change our fees or payment methods at any time. You are responsible for reviewing the app Offerings to obtain timely notice of such changes. Your continued use of our service and app Platform means that you accept such changes. If any change is unacceptable to you, you may cancel your subscription at any time, but we will not be liable to refund any fees that may have accrued to your Account before cancellation of your subscription, and we will not prorate fees for any subscription. If your use of app Offerings are subject to charge ability of taxes, then we may charge you for any such taxes as applicable either from prospective or retrospective effect (as the case may be), in addition to the subscription or other fees.

2.4 Platform / Contest charges - In respect for participation in the paid versions of contests), we may bill the charges as per the following parameters -

a. A pre-designated amount will be charged towards participation in the Contest(s) and which shall be inclusive of two parameters, the platform fee for access to the app Offerings and services and a participant's contribution towards prize money pool;

b.the platform fee charges shall be notified by us on the Contest page and we reserve the right to modify the same. You are required to read, review, understand and agree to the charges structure, fees parameters and winnings on our Platform, prior to participation.

2.5 Payment Options- You may pay fees using the methods available for specific game offerings provided in the app Platform and you agree to the terms and conditions applicable to each payment method you choose. Various payment methods are provided in our platform. When you provide credit card or other payment information to us or any other website or platform, you represent to our company that you are the authorized user of the credit card or other payment method.

2.6 As the Account holder, you are responsible for all charges incurred as mentioned below, including applicable taxes, and all purchases made by you or anyone that uses your Account

» Android (Google Play) Billing and /or any other billing carrier, as applicable
» Top Ups / In App Purchases
, Contest Participation Fees/ rake fees/ charges or other amount charged by way as commission by us.
• Other charges as and when informed by us

2.7 Trial Subscriptions: - For some services, our company may offer a free trial subscription. If you accept a free trial subscription, we will begin to bill your Account for that app Offering when the free trial subscription expires, unless you cancel your subscription before that time. You are always responsible for any internet service provider, telephone, wireless and other connection fees that you may incur when using app Offerings, even when we offer a free trial subscription. Trial subscriptions are not transferrable.

2.8 Fees charged by third party sites and vendors - We may provide links to other web sites. Some of these web sites may charge separate fees, which are not included in any subscription or other fees that you may pay co our company. Any separate charges or obligations that you incur in your dealings with third parties are your responsibility.

2.9 Any refund request for justified cause as per sole discretion of our company if being considered, then in such instances refund process shall be initiated within 15 working days from the date of receipt of request You understand and agree that it shall be the discretion of our company, to initiate charge back or not and you acknowledge that post receipt of refund if any contest / campaign qualifies you for winnings, then the same shall stand cancelled with immediate effect. We reserve the right to deduct amounts if such amount has been rewarded before refund initiation.

a) In the event, that there is an error in the Services provided by us, we may refund the Entry Fee, provided the reasons are genuine and proved after investigation by rummy.

b) Please read the rules of each Mobile Game and Contest before participating.

c) We do not cancel registrations once entered, however, in case of exceptional circumstances wherein the fault may lie with the payment gateway or from Our side, We will cancel your participation on request and refund the Entry Fee to You within a reasonable amount of time.

d) In case we cancel your participation in any Mobile Game or Contest as a result of this, We will return Your Entry Fee to You within a reasonable amount of time for You to redeem the same by playing other Contests on rummy.

e) We will try Our best to create the best user experience for You. If paid by credit card, refunds will be issued to the original credit card provided at the time of purchase and in case of payments made through a payment gateway, payment refunds will be made to the same account.

Users must use any money in their Account within 365 days.rummy shall have the right to directly forfeit any such unused amount after 365 (three hundred and sixty five) days. The idle Balance amount lying in your account may be withdrawn only in exceptional circumstances, determined on a case to case basis on the sole discretion of rummy.