Terms And Conditions 
Rummyfantasy is an online platform offered by Lhakar technologies private limited (hereinafter 
referred to as “Lhakar technologies private limited ”, or “We” or “Us” or “Our”) that enables 
users (“You”) to play Rummy online. These Terms of Service for Rummyfantasy 
(“Terms”) along with Rummyfantasy’s Privacy Policy (“Privacy Policy”), and Fair 
Play Policy (“Fair Play Policy”) govern the relationship between You, and Us. 
The Terms, Privacy Policy, Fair Play Policy, and the cumulative set of Game 
Rules (defined below) (together, “Platform Policies”) form a binding legal 
agreement between You and Lhakar technologies private limited , on the basis of which You 
may visit, access, or use the Rummyfantasy product, website, mobile 
applications, and related services (“Services”).
Your use of the Services indicates Your acceptance of the Platform Policies 
and hence You are advised to read the Platform Policies carefully before 
using Our Services. If You do not accept any part of the Platform Policies or 
any subsequent modification therein, You must stop accessing or using Our 
Services.
We reserve the right to periodically review, update, or otherwise modify any 
part of the Platform Policies at Our sole and absolute discretion, and 
accordingly, You are advised to keep Yourself updated on the latest versions 
of the Platform Policies. We will provide You with notice of any material 
modification to the Platform Policies, and Your continued access and use of 
the Services after such notification shall constitute consent to the modified 
Platform Policies.
In the event where one or more of the terms hereunder are determined to be 
invalid or unlawful for any reason, by a competent judicial or quasi-judicial 
authority in India, the validity or enforceability of the remaining terms will not 
be affected and the same will be valid and binding on You and all other users.
1. Definitions
• 1.1
“Applicable Law (s)” means all applicable statutes, enactments, 
laws, ordinances, treaties, conventions, protocols, bye-laws, 
rules, regulations, guidelines, notifications, notices, and/ or 
judgments, decrees, injunctions, writs or orders, instructions, 
decisions of any court or and awards or other requirements or 
official directives of any governmental authority, in any jurisdiction, 
as may be applicable to the relevant person.
• 1.2
“Bank Account” means a financial account maintained with a 
Banking Company or a financial institution and shall include a 
wallet maintained with an entity authorized by Reserve Bank of 
India.
• 1.3
“Banking Company” means a banking company as defined 
under section 5(c) of the Banking Regulation Act, 1949.
• 1.4
“Barred States” means any state in the territory of India where 
online gaming has been prohibited under Applicable Laws.
• 1.5
“Cash Games” mean Games involving a financial stake, as 
determined by the participants of that Game, in accordance with 
the Game Rules.
• 1.6
“Communication Feature” means the in-game feature that 
enables users to interact with each other during a Game.
• 1.7
“Deposit Segment” means the segment of the RC Account to 
which the money deposited by a user is credited.
• 1.8
“Discounts” shall include any GameCash, FreeCash, variable 
discounts, prizes or any other incentives (such as bonus, instant 
cash) that may be provided by Lhakar technologies private limited , at its 
discretion, as a part of promotional measure that shall be adjusted 
against the Service Fee chargeable from the User in such manner 
as may be prescribed under these Terms.
• 1.9
“FreeCash” is an incentive provided by Lhakar technologies private limited at its 
discretion, as a part of promotional measure that is first 
attributable against the Service Fee charged by Lhakar technologies private limited 
in respect of a particular Cash Game.
• 1.10
“Game(s)” means the game of Rummy offered on Rummyfantasy 
and shall include the various formats and variations of Rummy 
available on Our Platform.
• 1.11
“GameCash Segment” means the segment of the RC Account to 
which GameCash and any amount under any other promotional 
offer on the Platform are credited to a User for adjustment against 
Service Fee.
• 1.12
“Game Rules”, for each Game, means the rules and regulations 
applicable to a Game which are accessible on the Platform.
• 1.13
“Platform” means the Rummyfantasy website and related mobile 
applications on which Games are made available to users in 
different formats and variations.
• 1.14
“Platform Policies” mean the Terms, Privacy Policy, and Fair 
Play Policy of Rummyfantasy and the cumulative set of Game 
Rules for each game.
• 1.15
“RC Account” means the user account maintained with 
Lhakar technologies private limited , which enables users to play games and 
deposit and utilize funds on the Platform.
• 1.16
“Refund” means the reversal of the amounts (such as Service 
Fee, buy-in, or any other amount, as the case may be) paid by a 
User to play a Cash Game, to such User’s RC Account.
• 1.17
“Service Fee” means the fee charged by Lhakar technologies private limited 
means the fee charged by Lhakar technologies private limited from each user on 
every gameplay. The term “Commission” or “Platform Fee” can be 
used interchangeably with “Service Fee” and shall have the same 
meaning as assigned to “Service Fee”.
• 1.18
“Terms” mean the Terms of Service of Rummyfantasy.
• 1.19
“Withdrawable Balance” means the amount in the Withdrawable 
Segment and Deposit Segment.
• 1.20
“Withdrawal/Withdraw” means the transfer of all or part of the 
Withdrawable Balance to a designated Bank Account of a user, 
upon specific instructions by that user to Lhakar technologies private limited to 
initiate such transfer.
• 1.21
“Withdrawal Request” means a request by the user on the 
Platform to initiate Withdrawal.
• 1.22
“Withdrawable Segment” means the segment of the RC 
Account to which the winnings of users from the Cash Games are 
credited, less the applicable Service Fees and other levies/
deductions.
2. Who may use Our Services
• 2.1
Our Services are not intended for or offered to any person below 
the age of eighteen (18) years, or persons who are resident in or 
access the Platform from, any of the Barred States. We have the 
right to control the access to Our Services at all times, in any 
State in India, and reserve the right to update the list of Barred 
States.
• 2.2
If You are below the age of eighteen (18) years or a resident or 
located in any of the Barred States, You may not access and use 
Our Services. In case You do, You shall be solely responsible for 
any legal actions that may ensue from such use of Our Services. 
We reserve the right to request proof of age and geolocation at 
any stage of Your access and use of Our Services to verify that 
persons below the age of eighteen (18) years or residing or 
located in Barred States are not using the Service. We may 
exclude a person from using Our Services where We suspect that 
such person using the Service is under-age and he/she fails to 
provide Us with a valid proof of age or is located in a Barred 
State.
• 2.3
If You are not legally competent to individually enter into Indian 
Rupee transactions through banking channels in India and/or are 
accessing the Services from a Barred State, You are prohibited 
from participating in Cash Games on Our Services. In the event of 
such violation, Your participation in Cash Games will be deemed 
to be in breach of the Platform Policies and You will not be entitled 
to receive any prize that You might win in such Cash Games.
• 2.4
We may terminate Your access and use of the Services when We 
become aware of or are of the opinion, at Our sole discretion, that 
Your use and access of Our Service is in violation of the Platform 
Policies.
3. Usage of Our Services
• 3.1
Lhakar technologies private limited allows You to play the game of Rummy online 
mobile application which can be downloaded and installed from 
our website rummyfantasy.online .
• 3.2
Rummy is a game of skill (the outcome of the game is dependent 
upon Your skills and not luck or chance), therefore, it is legal to 
play rummy in most states in India.
• 3.3
Our Platform strives to ensure fairness and transparency.
• 3.4
When You access Our Services and/or create an RC Account, We 
may collect, use, share with third parties, store, or otherwise 
process Your information, which may include Your personal 
information and sensitive personal information, to ensure that the 
Services may be accessed and used by You efficiently. The 
collection, use, sharing of such information is governed by the 
Privacy Policy which forms an integral part of the Platform 
Policies. You may access the Privacy Policy
• 3.5
You are required to verify Your mobile number at the time of 
registration on the Platform. All Your information is kept 
confidential and processed as per Our Privacy Policy.
• 3.6
When You register with Us, You agree to receive promotional and 
service messages from Us, and our affiliates, through SMS, 
email, call and push notifications, in relation to tournaments, 
offers, and discounts (of various types and nomenclature e.g., 
GameCash). You may withdraw Your consent to receive such 
c o m m u n i c a t i o n s b y s e n d i n g a n e m a i l 
to support@Rummyfantasy.com.
• 3.7
Internet connectivity issues at Your end, disruptions due to Your 
local internet environment, errors in the setup of software or 
hardware of Your device, or other factors not directly attributable 
to Us, are beyond Our control, and accordingly, You agree that 
We will not incur any liability for any halts, breaks, or interruptions 
in Your usage of Our Services on account of such issues.
• 3.8
Winnings, Discounts and prizes, whether monetary or nonmonetary, are unique to each player and are non-transferable. In 
the event You attempt to transfer any winnings, Discounts or 
prizes, these will be forfeited at Our sole discretion.
4. User Identity
• 4.1
When You register with Us, You are required to choose a 
displayname which shall be your identity (“User ID”) on the 
Platform. Your chosen displayname is confirmed subject to it 
being in compliance with these Terms.
• 4.2
You are prohibited from creating or using multiple accounts on our 
Platform. If we detect multiple accounts for a single user, we may 
take penal action, including cancellation of all amounts in relation 
to Discounts on linked accounts, and suspension of the linked 
accounts.
• 4.3
User IDs must not be indecent, objectionable, offensive, or 
unlawful. User IDs that are found to violate the intellectual 
property of any entity, reveal personal information, or be 
suggestive of an advertising or promotional activity, may be 
rejected.
• 4.4
Your User ID will remain active on the Platform unless We 
terminate or suspend Your access to the Platform for a violation of 
the Platform Policies in accordance with these Terms, or Your RC 
Account becomes inactive in accordance with Clause 11.
5. Game Formats and Rules
• 5.1
Rummyfantasy provides the game of Rummy in various formats 
and variations on the Platform, including Cash Games and noncash Games. We may increase or reduce the number of Game 
formats and variations offered on the Platform, at Our sole 
discretion.
• 5.2
You agree to abide by the applicable Game Rules when playing 
Games on the Platform. You are required to ensure that You have 
read and understood the applicable Game Rules before playing 
any Game. The Game Rules form part of the Platform Policies 
and can be found by clicking “i” next to the heading of the type of 
game selected by You on the Platform.
• 5.3
We may, from time to time, make additional Games available on 
the Platform. The Platform Policies will govern all aspects of such 
newly introduced Games, and the relevant Game Rules for such 
new Game(s) will be made available to You.
• 5.4
The results and winners of each of the Games are determined in 
accordance with the applicable Game Rules. By registering and/
or participating in any Game You agree to these determinations, 
which shall not be open to challenge. We will post lists of winners 
on Our Platform following each Game.
• 5.5
In case anything provided in the game rules/FAQ (suggestive or 
otherwise) as appearing over the Platform are contrary to these 
Terms, these Terms shall prevail over to the extent they are 
contrary to the games rules/FAQs.
6. Restrictions on the use of Our Services
• 6.1
You shall not upload, distribute, transmit, publish, share, display, 
or post any content through Our Services or through any service 
or facility, including any Communication Feature, provided by Us 
which:
• belongs to another person and to which You do not have 
any right;
• is defamatory, obscene, pornographic, paedophilic, invasive 
of another’s privacy, including bodily privacy, insulting or 
harassing on the basis of gender, libellous, racially or 
ethnically objectionable, relating or encouraging money 
laundering or gambling, or otherwise inconsistent with or 
contrary to the laws in force;
• is harmful to a child;
• infringes any patent, trademark, copyright or other 
proprietary rights;
• deceives or misleads the addressee about the origin of the 
message or knowingly and intentionally communicates any 
information which is patently false or misleading in nature 
but may reasonably be perceived as a fact;
• impersonates another person;
• threatens the unity, integrity, defence, security or 
sovereignty of India, friendly relations with foreign states, or 
public order, or causes incitement to the commission of any 
cognisable offence or prevents investigation of any offence 
or is insulting other nation;
• contains a software virus or any other computer code, file or 
program designed to interrupt, destroy or limit the 
functionality of any computer resource;
• is patently false and untrue, and is written or published in 
any form, with the intent to mislead or harass a person, 
entity or agency for financial gain or to cause any injury to 
any person;
• is otherwise objectionable or undesirable (whether or not 
unlawful);
• is aimed at soliciting donations, chips or other forms of help;
• disparages Lhakar technologies private limited or any of its subsidiaries, 
affiliates, licensors, associates, partners, sponsors, 
products, services, or websites, in any manner;
• promotes a competing service or product; or
• violates any applicable law.
• 6.2
The Communication Feature for a user may be immediately 
suspended without any warning where We are of the opinion that 
such user is indulging in any activity prohibited under Clause 6.1. 
above, or elsewhere in the Platform Policies. This may also lead 
to suspension of the RC Account of such a user. You may report 
any abusive or malicious behaviour by any other user to us by 
following the complaints procedure provided in Clause 16 below.
• 6.3
You shall not host, intercept, emulate, or redirect proprietary 
communication protocols, used by Us, if any, regardless of the 
method used, including protocol emulation, reverse engineering, 
or modification of Our Services or any files that are part of it.
• 6.4
You shall not frame Our Services, or impose editorial comments, 
commercial material or any information on Our Services, or alter 
or modify any content, or remove, obliterate or obstruct any 
proprietary notices or labels.
• 6.5
You shall not use Our Services for commercial purposes, 
including but not limited to use in a cyber cafe as a computer 
gaming centre, network play over the Internet, or through gaming 
networks, or connection to an unauthorized server that copies the 
gaming experience offered by Us.
• 6.6
You shall not purchase, sell, trade, rent, lease, license, grant a 
security interest in, or transfer Your RC Account, content, money, 
culture club points, standings, rankings, ratings, or any other 
attributes appearing in, originating from, or associated with Our 
Services.
• 6.7
Any form of fraudulent activity, including attempting to use or 
using any other person’s credit card(s), debit cards, net-banking 
usernames, passwords, authorization codes, prepaid cash cards, 
mobile phones for adding cash to the Deposit Segment, 
accessing or attempting to access the Services through someone 
else’s RC Account, is strictly prohibited. Where We become aware 
of or are of the opinion, at Our sole discretion, that You are 
indulging in such fraudulent activity, We may terminate Your RC 
Account and notify the appropriate authorities, where relevant.
• 6.8
If You are an officer, director, employee, consultant, or agent of 
Lhakar technologies private limited , or a relative of such persons, You are not 
permitted to play either directly or indirectly, any Cash Games 
which entitle You to any prize, in the course of Your engagement 
with Lhakar technologies private limited . For the purposes of these Terms, 
‘relative’ shall have the meaning ascribed to it in Section 2(77) of 
the Companies Act, 2013.
• 6.9
You undertake that You will not permit any other person to access 
or use Your RC Account and You will not use any form of external 
assistance to play the Games or indulge in any activity which 
violates the Platform Policies.
• 6.10
You are prohibited from utilising Our Services for any restricted or 
unlawful purpose including, attempting to launder funds available 
in Your RC Account or deliberately losing money to a certain 
player(s).
• 6.11
You shall not send spam emails to any other user on the Platform, 
or any other form of unsolicited communication for any other 
purpose.
7. Deposit, Payment, Refund, and Cancellation
• 7.1
All payments on the Platform will have to be made through your 
RC Account, by following the process indicated therein. Deposits 
made by You are credited to the Deposit Segment, Your winnings 
are credited to the Withdrawable Segment, and all GameCash is 
credited to the GameCash Segment. Your RC Account also 
provides a record of all transactions made by You on the Platform.
• 7.2
All transactions You make with Us shall be in Indian Rupees 
(INR). You are free to deposit funds in the Deposit Segment for 
the purpose of participating in Cash Games, subject to the 
following conditions:
• the monthly deposit limit set by Us with undertakings, 
indemnity, waiver, and verification conditions as We deem 
appropriate in Our sole discretion. We will notify You of any 
changes in the deposit limits on the Platform.
• 7.3
The deposits made by You in the Deposit Segment are purely for 
the purpose of enabling Your participation in the Cash Games and 
do not carry or generate any interest or return.
• 7.4
You cannot transfer any funds from Your RC Account to the RC 
Account of another user, except as may be permitted by 
Rummyfantasy.
• 7.5
You hereby represent and warrant that the payment instrument/
mode used for adding cash to Your RC Account, belongs to You.
• 7.6
Credit cards, debit cards, prepaid cash cards, and internet 
banking payments are processed through third-party payment 
gateways. Similarly, other payment modes also require 
authorization by the entity which processes such payments. You 
understand and agree that We are not responsible for delays or 
denials in processing payments at their end. The processing of 
payments will be solely in terms of the applicable policies and 
procedures of the relevant third parties, without any responsibility 
or risk at Our end.
• 7.7
If there are any issues in connection with adding cash/depositing 
funds on the Platform, You may send a complaint to Us by 
following the complaints procedure provided in Clause 16 below.
• 7.8
Once a payment/transaction is authorized and confirmed, and the 
funds are received by Us, the amount is credited to the Deposit 
Segment and is available for You to play Cash Games. You 
understand and agree that we are not liable in the event of Your 
credit being delayed or eventually declined, and You are required 
to follow up with the providers of the payment instrument You 
used to initiate the transaction.
• 7.9
We have the right to cancel a transaction at any time and at Our 
sole discretion, and if the relevant payment is successfully 
realised in such an event, the transaction will be reversed and the 
money credited back to the original source of payment.
• 7.10
All funds collected from You are held in trust by Us and kept 
unencumbered in a designated account.
• 7.11
You may Withdraw all or any part of the Withdrawable Balance to 
Your Bank Account, which will be processed by means of an 
electronic bank-to-bank transfer or such other mode as per your 
stated preferences and in accordance with Applicable Law.
• 7.12
At the time of initiating a Withdrawal Request, You are required to 
provide Us with the details of the Bank Account to which the funds 
are to be credited, and such Bank Account must belong to You.
• 7.13
A Withdrawal Request will be accepted by Us subject to adequate 
KYC verifications, alignment with the deposit method, Discount 
terms/restrictions, and/or security reviews by Our automated 
systems and risk management team. You agree that all 
Withdrawals You make are governed by the following conditions:
• You can Withdraw all or any part of Your Withdrawable 
Balance, subject to the levy of applicable processing fee 
(depending on the Withdrawal method), and applicable 
taxes.
• Discount and promotional winnings are not directly 
Withdrawable and are subject to the terms and conditions 
applicable to their grant.
• 7.14
We will attempt to process Your Withdrawal Request in a timely 
manner, but there may be delays due to the time required for the 
KYC verification, security checks, and other processes involved in 
completing the Withdrawal transaction. We shall not be liable to 
pay any form of compensation to You for the reason of such 
delays in processing Withdrawal Requests and remitting 
payments.
• 7.15
You may request a Refund of any unutilized funds in your Deposit 
Segment by contacting Support and subject to the following 
conditions:
• Upon receipt of a Refund request from You, the Refund will 
be processed within two (2) weeks from the date of receipt 
of such Refund request and the requisite Refund amount 
amount shall be credited to the original source used to add 
such funds;
• You may raise a Refund request no later than 120 days of 
adding such funds to your Deposit Segment;
• 7.16
Your winnings may be disclosed to the relevant authorities, and 
requisite amounts may be withheld from payouts, in order to 
ensure compliance with applicable law and lawful requests from 
the government, regulatory bodies, or an order of any court of 
competent jurisdiction. It is solely Your responsibility to ensure 
due remittance of all the applicable taxes.
8. KYC Verification
• 8.1
We require users to undergo an additional online document 
verification (“KYC”) in the following scenarios:
• where You place a Withdrawal Request of an amount 
exceeding the applicable limit or exceed the number of 
Withdrawal Request as specified on the Platform;
• where We suspect or have been notified that You have 
violated any of the Platform Policies; where You have been 
identified to be in breach of the applicable add cash 
thresholds;
• as may be required under Applicable Laws ; and
• as may be determined by Lhakar technologies private limited in its sole 
discretion from time to time.
• 8.2
As part of Our KYC process, Our automated system enables a 
mandatory process for users to upload documents pertaining to 
their Permanent Account Number (PAN) and Bank Account 
details.
• 8.3
The KYC documents must be uploaded on Our Platform, and We 
do not accept submissions in any other form or manner.
• 8.4
At the time of uploading the document on Our Platform, You must 
ensure the following:
• documents are valid;
• the document is clear and legible, and shared in a jpg, jpeg, 
or pdf format; and
• documents are not password protected.
• 8.5
The validation of KYC documents may take up to three (3) 
working days from the date of submission of the documents. We 
reserve the right to validate and/or reject the KYC documents at 
our sole discretion. You will be notified of the status of KYC 
verification on Your registered mobile number/email address and 
on Our Platform.
9. Discount and Prize
• 9.1
You will be able to use Our Services and win prizes or GameCash 
and We will process Your Withdrawal Requests in INR to any 
Indian Bank Account in Your name (subject to KYC verification).
• 9.2
When You add cash to the Deposit Segment, You may be allotted 
a certain GameCash depending on the existence of ongoing 
promotional offers. Such GameCash may be dependent on 
certain conditions, such as Your continued usage of Our Services 
or participation in Cash Games, and accordingly, a part of the 
GameCash may be released before or at the time of gameplay 
settlement. An amount net of such GameCash will be considered 
to have been collected from You in cash for the purpose of buy-in 
(including Service Fee). You understand that the GameCash must 
be utilised within the stipulated claim period, which may differ 
based on the ongoing offers. GameCash are issued at Our sole 
discretion and cannot be claimed by You as a matter of right. The 
release percentage/rate may vary depending on the offer, and the 
user. The GameCash shall have such limited validity as may be 
communicated to You at the time of its issuance. Please review 
the “How does GameCash work?” section on the Platform for 
further details on how the GameCash works on Rummyfantasy.
9.3
You agree that any GameCash offered by Lhakar technologies private limited on 
the Platform would be first released as a discount against the 
Service Fee.
• 9.4
In the event, Your RC Account is terminated by You voluntarily, or 
by Us in accordance with these Terms, all GameCash issued to 
You shall be forfeited and You shall have no further right or 
interest in such GameCash.
• 9.5
Any violation of the Platform Policies at any stage may result in 
disqualification from receiving the GameCash or promotional 
winnings.
• 9.6
You may win prizes while playing Games on the Platform. Such 
prizes are subject to the specific terms and conditions 
communicated at the time of issuance of the prize.
• 9.7
The amounts in the GameCash Segment are not redeemable for 
any other prize, nor can they be Withdrawn directly, or transferred 
to another user.
10. Service Fees and Taxes
• 10.1
Rummyfantasy charges a Service Fee on each Cash Game played 
on the Platform by a User, which may vary depending on the 
nature of the Cash Game and is subject to change from time to 
time, as indicated in Clause 10.2 below. Rummyfantasy reserves 
the right to levy different Service Fees for different Cash Games 
at its sole discretion.
• 10.2
Users who fulfil certain specific criteria may, at the sole discretion 
of Lhakar technologies private limited , adjust the Discounts received against the 
Service Fee charged for a particular Game or a set of Games in 
line with the market conditions, business practices and trade 
parlance, even after the conclusion of the Game(s). Accordingly, 
such post-facto Discounts by Lhakar technologies private limited will reduce and 
reverse a part of the Service Fee applicable to a Game.
• 10.3
Discounts may be granted to users on the basis of a number of 
parameters pertaining to usage of the Platform by the user, 
including the frequency of Games played, participation in 
tournaments or special Game types, overall winnings, conduct on 
the Platform, players referred to the Platform, etc.
• 10.4
It is clarified that all forms of Discounts and other GameCash, 
promotional winnings and rebates offered by Lhakar technologies private limited 
to a user shall be first applied to the Service Fee chargeable to 
such User, and Lhakar technologies private limited has the right to reduce and 
vary Discounts and promotions accordingly. Further, such 
Discounts and promotions may be subject to specific conditions, 
such as usage only in specific types of Games, or restricted 
usage only after the expiry of a predetermined time period, etc.
• 10.5
Details pertaining to each Game transaction, including the 
applicable Service Fee for that Game, will be accessible by You 
on an information panel made available to You before You initiate 
a Cash Game. The Service Fee charged shall be inclusive of the 
Goods and Services Taxes, at the rates mandated under 
applicable law. Variations to Service Fees in the manner set out in 
this Clause 10, may impact the overall transaction details of a 
Cash Game, including the taxes applicable thereon, and hence 
You are advised to periodically check the information panel. If You 
require any further information on any aspect of the Service Fee, 
including the tax components thereof, You may write to us 
at support@Rummyfantasy.com.
• 10.6
All Cash Games are subject to applicable taxes and levies. We 
are legally mandated to deduct tax at source (“TDS”) on winnings 
(net of buy-in) of more than INR. 10,000/- (Indian Rupees Ten 
Thousand only) in a single tournament, a single Pool Rummy 
Game, or a single Points Rummy Game, as the case may be. In 
these cases, You will be required to furnish Your PAN. 
Accordingly, a TDS at the rate of thirty (30) per cent (excluding 
cess) will automatically be deducted from such winnings, and the 
remainder will be credited to the Withdrawable Segment. These 
limits and rates are subject to change as per the applicable laws. 
Rummyfantasy’s obligation in this regard is limited to deducting 
TDS as required by law and providing You with an appropriate 
certificate of tax deduction. We reserve the right to verify Your 
PAN from time to time and to cancel any prize should Your PAN 
be found inconsistent in Our KYC verification process. We shall 
have no liability or responsibility in connection with Your personal 
taxation matters.
• 10.7
Tax invoice and credit note: In case a User wishes to obtain his 
copy of tax invoice and/or credit note containing the prescribed 
particulars as per Goods and Services Tax Act and the rules 
provided thereunder, in respect of a particular gameplay, such tax 
invoice / credit note shall be provided to the said User on receipt 
of a specific request raised with us.
11. Termination, Suspension, and Opt-out
• 11.1
If You do not log in to Your RC Account at least once in a twelve 
(12) month period, Your RC Account shall be considered inactive 
and a maintenance fee of INR 250 per year may be chargeable 
against any funds remaining therein (“Inactive Account Fee”).
• 11.2
We reserve the right to suspend or terminate Your RC Account if 
We find that You are violating any of our Platform Policies, or 
breaching/attempting to breach the security of Our Services in 
any manner, Your RC Account may be terminated immediately 
and any prize, GameCash, promotional winnings, or funds therein 
may be forfeited.
• 11.3
In the event Your RC Account is terminated by Us in accordance 
with Clause 11.2, You will:
• not be permitted to use Our Services, thereafter, from the 
mobile number, PAN, and Bank Account linked to the 
terminated RC Account; and
• be permitted to Withdraw the Withdrawable Balance, 
subject to applicable restrictions in the Platform Policies.
• 11.4
Further, if We find that a user is breaching/attempting to breach 
Our security or privacy protocols, We may, following an internal 
investigation, decide to undertake a range of remedial actions, 
depending upon the severity of the detected breach, which may 
include the following:
• stop access and usage of Our Services, indefinitely, by such 
user;
• permanently terminate such user’s RC Account;
• restrict Withdrawals for such user;
• demand compensation for the damages to Our Services 
that occurred because of the breach and prosecute a user 
for any violation of the law and the Platform Policies if need 
be; and
• prohibit the user from registering with Us in the future.
• 11.5
In the event, We believe or suspect that You have been engaged 
in Fair Play Violation:
• we will notify You such breach/attempt to breach; and
• We shall have the right to investigate and monitor Your RC 
Account and Your gameplay for such period of time as in 
Our reasonable opinion may be needed to investigate such 
breach which shall not be for a period of 180 days from the 
date of notification of such breach. The balance funds of 
funds of both users guilty of Fair Play Violations will be 
frozen for a period of such 180 days. Such investigation will 
cover all the games that the concerned User has played 
since the time of registering on the Platform.
• In the event, We, upon investigation are of the view that 
Your RC Account is or has been engaged in Fair Play 
Violations, then to the extent of the amount which is 
involved in such Fair Play Violations, We may:
• forfeit the fund in Your RC Account;
• repatriate the amount to the User or individuals who 
have been affected by the Fair Play Violation; and
• levy a Fair Play violation fee of an amount up to an 
amount of INR 10,000 per instance of such Fair Play 
Violation. You agree that such fee is not in the form of 
a penalty but is a reasonable and justifiable cost, 
manpower, technology, loss of reputation that We as a 
Platform may suffer due to Your violation of the Fair 
Play Policy. The fair play violation fee may be debited 
from the funds in Your RC Account or in the event the 
balance in Your RC Account is not sufficient to cover 
the fee, we may raise a claim for such fee against You 
in accordance with applicable laws.
• For the purpose of these Terms, “Fair Play Violation” means 
any activity of a User that violates the Platform Policies , 
and includes without limitation:
• activity that uses unfair means to manipulate the 
outcome of a game on the Platform, irrespective of 
whether this in favour of the user adopting such 
means;
• activity that is fraudulent, illegal, or unfair activity, as 
determined by Lhakar technologies private limited in its sole 
discretion;
• activity that is intended solely to transfer funds from 
one person to another person, or between distinct 
sources, thereby amounting to money transferring; 
and
• activity that involves collusion between two or more 
players to achieve a result during a game, thereby 
amounting to syndicate playing; and
• such other activity as may be determined by 
Lhakar technologies private limited , from time to time.
• 11.6
If We have been instructed or made aware of a cyber fraud or any 
other fraudulent activity related to a User’s RC Account by a 
governmental, police or any law enforcement authority or agency, 
then We reserve the right to (a) suspend Your RC Account; and 
(b) transfer any funds lying in Your RC Account to such Bank 
Account as may be instructed by the governmental, police or any 
law enforcement authority or agency. We also reserve the right to 
block any and all Withdrawals from Your RC Account upon 
instructions from the governmental, police or any law enforcement 
authority or agency.
• 11.7
We may attempt to validate Your RC Account via call or email. In 
the event that We are not able to get in touch with You on the first 
occasion, We will make subsequent attempts to establish contact 
with You. In cases where the phone number and email address 
provided by You is incorrect, We bear no responsibility for Your 
access and use of the Services being interrupted. In case We are 
unable to reach You or if the validation is unsuccessful, We 
reserve the right to disallow You from logging onto Our Services 
or reducing Your play limits and/or add cash limits till such time 
We are able to satisfactorily validate Your RC Account. In such an 
event, We will notify You via email of the next steps regarding 
Your RC Account validation. We may also ask You for proof of 
identification and proof of address from time to time. Where Your 
access to Your RC Account is limited or access to Our Services is 
restricted as a result of unsuccessful RC Account validation, We 
may take seven (7) working days to reinstate complete access to 
Your RC Account and Our Services upon successful validation. In 
the event that We have made several unsuccessful attempts to 
reach out to You, We reserve the right to terminate Your RC 
Account and refund Withdrawable Balance, if any. We will not be 
liable for any claim, damage or loss accruing to You from such 
termination or restriction.
• 11.8
You are free to discontinue using Our Services at any time by 
s e n d i n g U s a n e m a i l i n d i c a t i n g s u c h i n t e n t i o n 
at support@Rummyfantasy.com (“Discontinuation Request”). If at 
such time, there is a positive Withdrawable Balance and/or funds 
in Your Deposit Segment, We will disburse the same to You by 
electronic transfer in accordance with these Terms, subject to any 
applicable charges, including an account closure fee of INR 
1,000.00 (Indian Rupees One Thousand Only) or ten (10) percent 
of the total funds to be transferred, whichever is higher.
12. Your Representations and Warranties
• 12.1
You represent that:
• You are eligible and competent to enter into transactions 
with other users and Lhakar technologies private limited .
• Any information You provide to Us at any time during the 
access and use of Our Services, whether at the stage of 
registration or any time thereafter is correct, complete, upto-date, and accurate. We shall not be liable against any 
claim relating to the accuracy, completeness, and 
correctness of any information You provide Us. We may, at 
any time and at Our sole discretion, require You to verify the 
correctness, completeness, and accuracy of such 
information, and to that extent require You to produce 
additional documentary proof. Where You fail to provide Us 
with valid documentary proof, We reserve the right to limit 
Your access and use of Our Services.
• You will protect the information You provide Us, including 
Your password used to avail of Our Services. We will never 
require You to enter or disclose Your RC Account password, 
except at the time of logging on to Our Services. You must 
never share Your RC Account login information with anyone, 
including any other user of Rummyfantasy or any 
representative of Lhakar technologies private limited . You specifically 
understand and agree that We will not incur any liability for 
information provided by You to anyone which may result in 
Your RC Account being exposed or misused by any other 
person.
• You have the required legal rights in relation to any content 
that You may transmit, upload, or otherwise make available 
on the Platform, and such action of Yours shall not violate 
the intellectual property rights of a third party.
• You shall use Your RC Account solely for the purpose of 
playing the Games offered through Our Services, and not to 
launder funds or commit any other unlawful or prohibited 
activity.
• Prior to adding cash to the Deposit Segment or participating 
in Cash Games, You shall be responsible to satisfy Yourself 
about the legality of playing Cash Games in the jurisdiction 
from where You are accessing Cash Games.
• You have the experience and the requisite skills required to 
play Games on the Platform, and that You are not aware of 
any physical or mental condition that would impair Your 
capability to fully participate in such activity.
• You are aware that playing Cash Games may result in 
financial loss to You. With full knowledge of the facts and 
circumstances surrounding this activity, by using the 
Platform, You are voluntarily choosing to play Games and 
accordingly assume all responsibility for and risk resulting 
from Your participation in any Cash Game or other activity 
on the Platform, including any financial loss. You understand 
that Lhakar technologies private limited shall not be liable for any financial 
loss that You may sustain as a result of your use of the 
Platform. You agree to indemnify and hold Lhakar technologies private limited 
, its employees, directors, officers, and agents 
harmless with respect to any and all claims and costs 
associated with Your use of the Platform.
• You understand and accept that Your participation in a 
Game does not create any obligation on Us to give You a 
prize. Your winning a prize is entirely dependent on the 
outcome of the Game, and Your skill as a player vis-à-vis 
other players in the Game, and is further subject to the 
Platform Policies.
• Lhakar technologies private limited is not responsible for Your inability to 
access or play any Game or event in which You may be 
eligible to participate, irrespective of the cause of such 
event. This includes situations where You are unable to log 
into Your RC Account or the same may be pending 
validation or You may be in suspected or established 
violation of any of the Platform Policies.
13. Content and Advertisements
• 13.1
You are solely responsible for any content that You transmit, 
upload, or otherwise make available on Our Services. By 
publishing any content on Our Platform, You agree to grant Us a 
royalty-free, worldwide, non-exclusive, perpetual, and assignable 
right to use, copy, reproduce, modify, adapt, publish, edit, 
translate, create derivative works from, transmit, distribute, and 
publicly display Your content, and to use such content in any 
related marketing materials produced by Us or Our affiliates. Such 
content may include, without limitation, Your name, username, 
profile picture and other information provided on the Platform.
• 13.2
By accessing or using or availing any part of Our Services, 
including the Communication Feature, You may be exposed to 
content posted by other users, over which Lhakar technologies private limited has 
no control. If You find any aspect of such content offensive or 
unlawful, You may bring such content to Our notice, and We shall 
take appropriate remedial actions in accordance with applicable 
law.
• 13.3
We may place certain promoted or sponsored content on Our 
Platform (directly or via links to other sites or resources) in 
conjunction with third parties. We make no warranties with respect 
to such content and neither do we endorse any information 
contained therein. We shall not be liable to You for such promoted 
or sponsored content, and Your interaction with such content or 
third-party resources shall be solely at Your own risk.
• 13.4
We may use any content in relation to the Games played on the 
Platform, including recordings of the gameplay, for Our corporate 
and marketing purposes, and accordingly, You acknowledge, 
agree, and consent to our right in this regard.
14. Disclaimer, Indemnity, and Limitation of Liability
• 14.1
Lhakar technologies private limited is not liable for any claim, loss, injury, 
damages, expenses, or lost profits or winnings, incurred by You in 
connection with Your use of the Services.
• 14.2
Notwithstanding anything to the contrary contained in the Terms, 
You agree that Our maximum aggregate liability for all Your 
Claims against Us, in all circumstances other than for a valid 
Withdrawal, is limited to the Service Fee less GameCash and 
other promotional amounts, paid to Us over the preceding three 
(3) months.
• 14.3
You are solely responsible for any consequence resulting from 
Your use of the Platform, and You understand that We assume no 
liability or responsibility for any financial loss that You may sustain 
in this regard.
• 14.4
You agree to indemnify and hold harmless Lhakar technologies private limited 
against any claims, actions, suits, damages, penalties, or awards 
brought against Us by any entity or individual in connection with 
or in respect of Your use of the Services.
• 14.5
The Platform is offered by Lhakar technologies private limited on an as-is basis 
and Lhakar technologies private limited makes no implied warranties, with 
respect to the Service. All implied warranties of merchantability 
and fitness for a particular purpose or use, are disclaimed. No one 
is authorized to make any warranty on Our behalf, and users may 
not rely on any other statement of warranty. However, where we 
receive adequate notice of an error in Our Services, We shall take 
prompt steps to rectify the same.
• 14.6
Lhakar technologies private limited expressly disclaims all responsibility and 
liability for any harm, damages, or loss resulting from Your 
participation in, or cancellation of, any Game, any activity or 
transactions with third parties whom You may have connected to 
through Our Services, and any user-generated content, including 
any violation of intellectual property rights with respect to such 
user-generated content.
• 14.7
A failure by Us, to insist upon strict performance of any of the 
provisions herein or to exercise any option, right or remedy 
contained herein, shall not be construed as waiver or 
relinquishment of such provisions, option, right or remedy. No 
waiver of any provision hereof shall be deemed to have been 
made unless expressed in writing and signed.
• 14.8
The latest versions of the Platform Policies, as published on the 
Platform, contain the entire agreement between You and Us 
regarding the access to and use of Our Services and supersedes 
all prior agreements, including prior versions of the Platform 
Policies.
15. Intellectual Property Rights
• 15.1
Lhakar technologies private limited and/or its affiliates, as the case may be, 
exclusively owns all rights and intellectual property of any type 
throughout the world, including but not limited to patents, 
trademarks, domain names, trade names, service marks, 
copyrights, software, trade secrets, industrial designs, and knowhow in the Platform and Services, and the underlying technology 
and documentation therein (“Lhakar technologies private limited Intellectual 
Property”).
• 15.2
Upon validly registering on the Platform, You are granted a limited 
right to use Our Services in accordance with the Platform Policies, 
and You have no right, ownership, title, or interest in the 
Lhakar technologies private limited Intellectual Property.
16. Complaints and Disputes
• 16.1
If You have any complaint or grievance relating to any aspect of 
the Services, You may approach Our customer care.
• 16.2
You agree that all complaints and disputes at Rummyfantasy are to 
be kept confidential. We will endeavour to resolve all grievances 
within a reasonable period, as mandated under applicable law. 
Any decision taken by Us relating to any complaint will be binding 
on the user.
17. Governing Law, Dispute Resolution, and Jurisdiction
• 17.1
The Platform Policies are governed by and shall be interpreted in 
accordance with the laws of India.
• 17.2
Subject to Clause 17.3, any dispute, controversy, or claim against 
the Us or arising out of these Platform Policies shall be subject to 
the exclusive jurisdiction of the civil courts at Gurgaon.
• 17.3
In the event of any legal dispute arising in relation to any aspect 
of the Platform Policies, or the use of our Services by You, You 
must provide written notification to Us of the dispute and relevant 
details. We shall attempt to resolve the dispute through 
discussions with You, and where such resolution fails to be 
concluded within thirty (30) days, the dispute may be referred to 
arbitration. The arbitration shall be conducted before a tribunal of 
three (3) arbitrators wherein both Lhakar technologies private limited and You 
shall be entitled to appoint one (1) arbitrator each and the two (2) 
arbitrators shall jointly appoint the third arbitrator. The place of 
arbitration shall be Gurgaon and the arbitration proceedings shall 
be conducted, in English, in accordance with the provisions of the 
Arbitration and Conciliation Act, 1996. The award arising from 
such arbitration proceedings will be final and binding on the 
parties, and each party will bear its own costs of arbitration and 
equally share the fees of the arbitrator unless the arbitral tribunal 
decides otherwise.
• 17.4
Notwithstanding anything in Clause 17.3, Lhakar technologies private limited shall 
be entitled to seek and obtain from a court of competent 
jurisdiction, an interim or permanent equitable or injunctive relief, 
or any other relief available under applicable law, to safeguard its 
interest, at any time during the pendency of a dispute with You or 
any other person, and such pursuit of relief shall not constitute a 
waiver of the arbitration process mandated herein.