You may note that if any single term laid down in rummypay.in’s Terms of Service is found to be unlawful or unenforceable, or is determined to be invalid or voidable or void for any grounds by either a judicial or quasi-judicial body in India, it will not by any means affect the enforceability and validity of any other terms in our Terms of Service.

If you do not wish to adhere to our Terms of Service or any of our future changes or modifications to our Terms, you may choose to cease the use of our Services and any and all features of our Website/Mobile App along with any services that we offer.

We are legally obliged to deduct tax at source (TDS) on the winnings of Rs.10,000/- or more in a single rummy tournament or a single rummy game/match. TDS at the rate of 30% will automatically be deducted from any such winnings. If you win Rs.10,000/- or more in a single game, you shall be required to provide us with your Permanent Account Number (PAN), if you have not already done so. PAN (permanent account number) verification is mandatory for a single withdrawal of Rs. 1000/- or more, or a cumulative withdrawal of Rs. 10,000/- or more. Moreover, KYC verification is mandatory for a cumulative deposit of Rs. 50,000/- or more or the first withdrawal, whichever happens earlier. KYC Verification includes the verification of your ID, address and mobile number. We reserve the right to verify your PAN and/or KYC documents (ID and address) from time to time and to cancel any prizes won by you if your PAN and/or KYC documents (ID & Address) are found incorrect/inconsistent in our verification process.

We reserve the right to demand proof of your age at any moment to check and verify that no minor is using our Services or playing our games. We also have the right to ban any person from playing our games if the person provides false proof of age or is under suspicion of being under-age.

For security purposes, you may be required to verify the authenticity of the information you provide at the time of creating an account or any time after that, which may require additional proof and documents. If you fail to provide the proof and documents requested, we reserve the right to suspend or terminate your rummypay.in account and registration. Please note that we are not obligated to cross-check or verify your information and hence we do not take any responsibility for any consequences or outcomes that may result from your providing false, incorrect, incomplete, concealed. misleading or irrelevant information. Therefore, you are required to provide us with complete and authentic information to the best of your knowledge to play our online games. Also, you should not be a politically exposed person or convicted of any crime. You should not be on the UN sanction list/ work for the UN sanction list.

You are prohibited to play cash games on rummypay.in if you are not legally competent to perform transactions in Indian rupees through banking channels in India and/or if you are accessing rummypay.in from a jurisdiction where playing cash online rummy games is not legally permitted. Any violation of this policy will be considered a breach of our Terms, and as a result, your Rummy Pay account shall be locked immediately and you shall not be entitled to receive any prizes or refunds from any cash games in which you might have participated on our Website/Mobile App. You also acknowledge that the state laws of Andhra Pradesh, Assam, Meghalaya, Odisha, Sikkim, Nagaland, Telangana also called Restricted Territories, do not permit the residents of the said states to play cash rummy games. You undertake to abide by these states’ laws and you shall not use rummypay.in’s Services to deposit cash, withdraw cash, or participate in cash games/tournaments on Rummy Pay while residing in these states.

Accessing the Rummy Pay Website/Mobile App from a Restricted Territory or from outside India by using IP or GPS masking software programs such as Fake GPS, GPS Spoofer, etc. is a breach of rummypay.in’s Terms of Service. Such breach of our Terms of Service shall result in you getting permanently blocked and the deletion of your Rummy Pay account with forfeiture of all the balance in your Rummy Pay account. Furthermore, using our Services, creating an account on rummypay.in or playing our games from a Restricted Territory in/or from outside India by using IP or GPS masking software programs such as Fake GPS, GPS Spoofer, etc. is also a violation of applicable laws, and you shall be solely liable to any penalties and/or penal action under the applicable laws.

All transactions on our Website/Mobile App shall be in Indian rupees. Once you register with rummypay.in, we maintain a user account for you to keep a record of all your transactions with us. Payments connected with participation in cash games have to be made through your Rummy Pay user account. All cash prizes won by you will be credited by us to your Rummy Pay user account.

When making a payment, please ensure that the instrument used to make the payment is your own and is used to add cash to your user account only. Subject to the “Add Cash” limits (limits on users’/players’ adding cash to their Rummy Pay accounts) specified by us from time to time, you are free to deposit as much money into your Rummy Pay account as you want for the purpose of participating in cash games on the Website/Mobile App. We want you to play responsibly on our Website/Mobile App. Your ability to add cash to your user account shall be subject to the Daily and Monthly “Add Cash” limits set by default, which we can reset with undertakings, indemnity, waiver and verification conditions as we deem appropriate in our sole discretion.

Payments made via Credit card, Debit card, Prepaid Cash card, UPI and internet banking are processed by third party payment gateways. Similarly, payments made via other payment modes also require an authorization by the intermediary that processes the payments. We are not responsible for any delays or denials/rejections at such third parties’/intermediaries’ end, and the processing of payments shall be subject to such third parties’/intermediaries’ terms, policies and procedures solely, and we shall not in any way be responsible for that. If you face any issues while adding cash to your account, you can reach out to us using the “Contact us” feature available in the “Help” section. You agree that in the event of your credit being delayed or eventually declined for reasons beyond our control, we may not be held responsible or liable in any manner whatsoever. Once a payment/transaction is authorized, the money is credited to your user account and is available to you to play cash games on our Website/Mobile App.

We have the right to cancel a transaction at any point in time solely at our discretion, in which case if the payment is successfully made, the transaction will be reversed and the money will be credited back to your payment instrument. Players’ funds are held in trust by us in specified bank accounts. Rummy Pay keeps all its players' funds unencumbered and your funds will be remitted to you in due course subject to the Terms and Conditions applicable to the withdrawal of funds. Funds held in your user account are held separately from our corporate funds. Even in the extremely unlikely event of an insolvency proceeding, your claim on the deposits will be given preference over all other claims to the extent permissible by law.

While playing a cash game, you take full responsibility for the risk of internet disconnection or interruption of communication between your computer/mobile/device and the rummypay.in’s servers, any lag in or freezing of the game or software, or any other problems attributable to your computer/mobile/device or network.

rummypay.in shall not be responsible for any disconnection of your computer, mobile or device from rummypay.in’s server, except in the case of a crash of rummypay.in’s server.

If there is a disconnection or disruption for a short time in the middle of a game, you shall remain seated at the table and can resume to play once the connection is restored, unless you have been eliminated.

1.1 Anti-Cheating and Anti-Collusion

1.1.1 You undertake that you yourself will play in all games for which you register/which you join and you shall not use any form of external assistance to play. You shall not add any unauthorized components and not create nor use any cheats, exploits, bots, hacks or any other third-party software designed to modify the Website/Mobile App. You also undertake that you will not use any third-party software that intercepts, mines or in any way collects information from or through the Website/Mobile App or through any of our Services. Any attempt to employ any such external assistance is strictly prohibited.

1.1.2 Formation of teams by you and any other user(s) for collusion or any form of cheating in the games on the Website/Mobile App is strictly prohibited. At Rummy Pay, we have a zero tolerance policy for anyone who violates or attempts to violate our Fair Play Policy or Terms of Service. And as a leading game operator of the industry, we flag all offending players and, at our own discretion, restrict them from playing on Rummy Pay.

1.2 Money Laundering: You are prohibited from conducting any activity on the Website/Mobile App that may be construed as money laundering, including, but not limited to, attempting to withdraw money without playing cash games, attempting to withdraw real money added via credit cards/UPI/net banking or any other payment method without wagering that, and deliberately losing money to a certain player(s).

1.3 Anti-Spamming: Sending spam emails or any other form of unsolicited communication for obtaining registrations on the Website/Mobile App to benefit from any promotional program of rummypay.in or for any other purpose is strictly prohibited. You are strictly prohibited from selling anything on or through rummypay.in or using any of Rummy Pay’s features, including, but not limited to, the chat facility.

1.4 Multiple Accounts: Your registration on the Website/Mobile App is restricted to a single user account, which will be used by you to avail yourself of the Services provided on the Website/Mobile App. You are prohibited from creating or using multiple user IDs for playing on the Website/Mobile App or using our Services.

1.5 You may not use our Website/Mobile App/Services to upload, distribute, transmit, publish, or post any content, including creating a username/password, that:

1.5.1 is libelous, defamatory, obscene, intimidating, invasive of privacy, abusive, illegal, harassing;

1.5.2 contains expressions of hatred, expressions hurting religious sentiments, or expressions related to racial discrimination or pornography;

1.5.3 is in any way objectionable or undesirable (whether or not unlawful);

1.5.4 is or can be construed as an incitement to commit a criminal offense;

1.5.5 violates the rights of any person;

1.5.6 is aimed at soliciting donations or other form of help;

1.5.7 violates the intellectual property of any person and/or any legally formed entity;

1.5.8 disparage in any manner rummypay.in or any of its subsidiaries, affiliates, licensors, associates, partners, sponsors, products, services, or websites;

1.5.9 promotes a competing service or product or any other service or product;

1.5.10 violates any applicable laws.

1.6 In the event that we determine that the screen name chosen and created by you is indecent, objectionable, offensive or undesirable in any way, we shall notify you about it and you shall promptly provide us with an alternate username so that we can change your existing username to the new name provided by you. If you fail to provide an alternate username, we reserve the right to either permanently suspend your user account or reactivate your user account only after you have provided a different, acceptable username.

1.7 You shall not host, intercept, emulate or redirect proprietary communication protocols, if any, used by the Website/Mobile App, regardless of the method used, including protocol emulation, reverse engineering, nor modify the Website/Mobile App or any files that are part of the Website/Mobile App.

1.8 You shall not frame the Website/Mobile App. You may not post or upload editorial comments, commercial material or any information on the Website/Mobile App, alter or modify Content on the Website, or remove, obliterate or obstruct any proprietary notices or labels.

1.9 You shall not use the Services on the Website/Mobile App for any commercial purposes including, but not limited to, use in a cyber cafe as a computer gaming center, network play over the internet or through gaming networks or a connection to an unauthorized server that copies the gaming experience from the Website/Mobile App.

1.10 You shall not upload, distribute or publish through the Website/Mobile App any content that may contain viruses or computer contaminants (as defined in the Information Technology Act 2000 or such other laws in force in India at the relevant time) which may interrupt, destroy, limit the functionality of or disrupt any software, hardware or other equipment belonging to us or that aids in providing the services offered by rummypay.in. You shall not disseminate or upload viruses, programs, or software to the Website/Mobile App whether it is harmful to the Website/Mobile App or not. Additionally, you shall not impersonate another person or user and not attempt to get another user’s password, account information, or any private information, nor harvest their email addresses or any other information.

1.11 You shall not purchase, sell, trade, rent, lease, license, grant a security interest in, or transfer your user account, Content, currency, chips, points, standings, rankings, ratings, or any other attributes appearing in, originating from or associated with the Website/Mobile App.

1.12 Any form of suspicious or unauthorized activity, including attempting to use or using any other person’s credit card(s), debit cards, net-banking usernames, passwords, authorization codes, prepaid Real Money cards, and mobile phones for depositing money into your Rummy Pay user account, is strictly prohibited.

1.13 Accessing or attempting to access our Services through someone else’s user account is strictly prohibited.

1.14 Winnings, bonuses, bonus codes and prizes are unique to the player and are non-transferable. In the event you attempt to transfer any winnings, bonuses or prizes, or share special bonus codes, the benefits of the same shall be forfeited.

1.15 rummypay.in’s officers, directors, employees, consultants, and agents, as well as the relatives of such persons ("Associated Persons") have no access to the site's systems, databases, server-side operations, and RNGs, and have no information that makes any manipulation of the dealing of cards possible, and they have no special access other than what is available to any user of the Website/Mobile App. They are prohibited from playing, directly or indirectly, any real money games on the Website/Mobile App, other than any specific term of engagement with rummypay.in from time to time.

1.16 You shall not post any material or comment on any media available for public access that, in our sole discretion, is defamatory or detrimental to our business interests, notwithstanding the fact that such media is not owned or controlled by us. In addition to any other action that we may take pursuant to the provision hereof, we reserve the right to remove any and all material or comments posted by you and restrict your access to any media available for public access that is either controlled or moderated by us, when in our sole opinion, any such material or comments posted by you is defamatory or detrimental to our business interests.

1.17 You shall be responsible for protecting your privacy on rummypay.in, so you must not share any of your personal information, including your phone number, PAN, Aadhaar number, email address, password, address, etc, with any other player/user on rummypay.in.

1.18 When a game is canceled by rummypay.in because of technical glitches, or when collusion or cheating in a game is detected, we will settle the game as per our Game Cancellation and Settlement Policy. Moreover, we may, at our sole discretion, take further action against the offending users, including banning their access to all our Services.

You may withdraw your cash winnings to an Indian bank account, using an electronic bank-to-bank transfer (NEFT/IMPS) method.

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

• a. You can choose to withdraw money from your user account at any time, subject to the bonus/prize money withdrawal restrictions, by notifying us of your withdrawal request.


• b. Bonuses and promotional winnings are subject to withdrawal restrictions and can only be withdrawn when you have made at least one cash deposit on www.rummypay.in and thereafter played the minimum number of cash games required to be eligible for the bonus and promotional winnings.


• c. We will process withdrawal requests after KYC and withdrawal verification has been successfully completed and transfer funds via IMPS and NEFT- electronic transfer. We reserve the right to reverse the amount to the payment/deposit instrument used to add cash to the user’s rummypay.in account.


• d. All withdrawals on Rummy Pay are currently free of any charge. However, in the future, if there are any charges levied on withdrawals, we reserve the right to inform you in advance about those charges and charge the applicable fee.


• e. With our best efforts, we will process all withdrawal requests within 24 hours of your making the request, and the bank may take another 48 hours to deposit the money into your account. There could be delays due to the time required for verification and completing the withdrawal transaction. This includes National and Bank Holidays or disruptions of service. 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.

• Permanently terminate your rummypay.in account, barring you from playing games on our Website/Mobile App and restrict you from registering with rummypay.in again in the future.
• Confiscate the cash balance in your account.
• Demand and order damages for breach of rummypay.in’s Terms of Service and take any necessary civil action to recover damages.
• Initiate steps of prosecution for damages and violation that is equivalent to offenses in law.
• Put restrictions on the access of our games by users who are suspected in cases of cheating or colluding.

The action taken by us will be solely due to your breach of our Terms of Service; the action shall be final and decisive and shall be binding on you. Any action taken by us will be without any prejudice to our other rights and remedies that are mentioned and available in law or equity.

Please note that our Website/Mobile App may contain information about third parties and may have hyperlinks to them. We are not responsible in any way for the implied or explicit warranty of the quality, integrity or accuracy of the content that belongs to the third-party websites. You may rely on the third-party content posted on rummypay.in solely at your own discretion, risk, and liability. When you visit such content, you will be subject to applicable terms and conditions. We hereby declare that we do not control and are not responsible for any content belonging to third-party websites, as the hyperlinks given do not mean endorsement of the websites or website pages linked to by us.

All the details of all our promotions are available in the “Promotions” section on the Website/Mobile App. Each promotion has its own Terms and Conditions, which are clearly explained on the respective promotion pages. All the cash bonuses and deposit bonuses have additional terms and conditions, including, but not limited to, specific time limits. The Terms and Conditions, as well as additional terms and conditions, may differ from offer to offer in accordance with the respective bonus plans. Any Bonus offer may not be claimed in conjunction with any other bonus offers offered by Rummy Pay at the time. Once you activate a bonus code, any bonus codes and offers being utilized by you previously will become invalid and inactive automatically and you will stop receiving their benefits. You will receive the benefit of only the active bonus code.

All the games, contests, bonuses and cashback offers in the “Promotions” section may be discontinued or canceled without any prior notice. rummypay.in is not responsible or liable for any such cancellations and will not pay the Users any compensation whatsoever except refunding the applicable entry fee. The decision of the rummypay.in Management shall be final and binding in case of any disputes.

Online Transactions

Transactions to transfer money to your Rummy Pay cash account have to be made through third-party payment gateways. rummypay.in is not responsible for the denial or rejection of any transactions as they are subject to the terms and conditions of the third-party payment gateways. rummypay.in may reverse any transactions, and the specific amount will in such a case be refunded to the financial instrument/platform that was used by you to perform the transaction.

Account Validation

rummypay.in has the right to check or validate the personal information of the players/users from time to time. The process of validation can be done through a phone call or via email. If we are not able to get in touch with you at first, several attempts will be made to establish contact with you. In the event that the validation is unsuccessful, or we are unable to contact you after making all possible attempts, we reserve the right to suspend your account and refund, at our sole discretion, your rummypay.in account balance to the financial instrument/platform that you used to make the payment online, or confiscate your rummypay.in account balance, at our sole discretion.

Promotions

Rummy contests, offers, bonuses, tournaments and games in the Promotion Section on rummypay.in may get canceled or discontinued at any moment without any prior notice. rummypay.in disclaims any liability, except the refund of your entry fee wherever applicable.

Refer and Win Cash

rummypay.in has a “Refer & Earn” program in which users can refer their friends to rummypay.in and get referral bonuses for successful referrals. To learn more, check out the Terms and Conditions of our “Refer and Earn” program here.

Responsible Gaming

We operate as a responsible gaming company and encourage our players to play responsibly. We carefully monitor the playing activities of our players and alert them if they develop any compulsive behavior. We take precautionary measures including the following to make sure that we offer a good online rummy gaming experience.

• • People below 18 years of age are not permitted to create a rummypay.in account or play games on our Website/Mobile App.
• • There is 24/7 monitoring of the players’ activities with an anti-fraud algorithm to detect any unfair play, including collusion.
• • Anti-collusion measures are implemented for every rummy game.
• • Player information is confidentially stored using high-level encryption for safety.
• • Our Website/Mobile App has features that limit the amounts of cash deposits.
• • A cash deposit limit is set on the site to discourage irresponsible gaming and prevent players from making deposits beyond reasonable means.
• • There is KYC verification for player protection and game security.
• • We encourage every player to play responsibly and may send periodic notifications/alerts to players who are found to be spending excessive amounts of time on rummypay.in, advising them to take a break from gaming on the Website/App.
• • If you do not want to play our games for a certain period of time, you can self-exclude yourself from Rummy Pay games for a specific period of time, from 48 hours to 6 months, by using our self-exclusion feature. You can exclude yourself from playing our games for 48 hours, 72 hours, 1 week, 2 weeks, 1 month, 2 months, or 6 months. After you have placed a self-exclusion request and your request has been processed, you shall not be able to play our games for that specific period of time. Please note that a self-exclusion period cannot be reversed or changed once it has been set and confirmed. Moreover, you shall not be allowed to create another account on rummypay.in. If you have any balance in your rummypay.in account at the time of making a self-exclusion request, that balance will be retained until your return, unless you place a withdrawal request.

Refund Requests

In cases of accidental or erroneous cash credits to any party, user or company, we can independently or you can request for a refund within two weeks of initiating the transaction. rummypay.in will process the refund if it is a genuine case of accidental or erroneous cash credit, which is clear from your request or after our own independent investigation. The refund amount will be credited within two weeks to the financial instrument/platform that was used to make the corresponding transaction.

Voluntary Termination of Account

You may cease to use our gaming services and terminate your account by writing to us with a clear explanation of your intention. After evaluating your case, rummypay.in will, at its own discretion, terminate your account and refund to you the cash amount available in your account within 21 working days. Please note that any account actions, including, but not limited to, playing cash games, tournaments, depositing and withdrawing money, that take place in your account after you email your request for terminating your account shall be deemed as actions performed solely by you and rummypay.in shall not be responsible for such actions.

Inactive Accounts and Unused Funds

If your account has been inactive for over 365 days and has an unused cash balance, Rummy Pay shall remind you to activate your account. To activate your account, you must log in and use your cash balance by playing a cash game. After the reminders sent to your email address and phone number (via SMS), if you do not activate your account your cash balance shall be forfeited to Rummy Pay. All reminders shall be sent to the email address or phone number (via SMS) listed on your profile as part of the account details and information you provided to Rummy Pay.

Accounts found in breach of our Terms of Service shall receive no reminders, and the unused funds in such accounts shall be subject to the terms of our Breach and Consequences policy.

• Access to your user account by using your username or password to use our rummy games services with or without your authorization,
• Instances of use, misuse or abuse of your user account on the Rummy Pay Website/Mobile App in any way whatsoever,
• Offensive, illegal or defamatory conduct, demeanor or acts carried out by any players that are intended to mislead, defame and threaten, or cause obscene, illegal or inaccurate actions, even if originating from another player who is using your own account,
• Cause infringement of other parties’ intellectual property rights by publishing any content on Rummy Pay Website/Mobile App,
• Disruptions like technical failures, disconnections, defects, interruptions, system breakdowns, manipulations in data transmission, corruption of data or its loss, failure in communication lines, distributed and constant denial of service attacks, and virus or other unfavorable or adverse instances of technology in connection with your access to or the use of our services to play rummy on the Website/Mobile App.
• Notwithstanding anything to the contrary contained in these Terms of Service or elsewhere, you agree that Rummy Pay's maximum aggregate liability for all your claims in all circumstances is limited to refunding only the Withdrawable Balance, if any, in your rummypay.in account back to you.