All products and/or services relating to the games (hereinafter collectively referred to as \"Services\") offered to You (hereinafter referred to as \"You\", \"Your\", \"User\" or \"Player\") and offered JAMUNA GAMING PRIVATE LIMITED . and/or its affiliates, subsidiaries, associates and partners (hereinafter referred to as \"We\" or \"Us\" or \"Our\" or \"Company\") through its mobile application, namely, King Rummy (hereinafter referred to as the \"Application\") are subject to the Terms of Use and Service (hereinafter referred to as \"Terms\") as specified here in These Terms, as updated or modified from time to time, constitute an agreement between You and Company and shall govern the relationship between You and Company with respect to Services. You must read, understand and agree to, and be bound by, the Terms for accessing the Services. You must not access the Application or Services, in any manner, in case You do not expressly accept these Terms in its entirety.

1. AGREEMENT

1.1. These Terms along with privacy policy (here in after\"Privacy Policy\") and the rules of the game-play, that is, Game Rules (as defined hereinafter) as may be notified and updated from time to time by the Company, constitutes a binding agreement between You and Company. You must read, understand and accept all the provisions envisaged under these Terms, Privacy Policy and Game Rule before accessing the Services and/or the Application in any manner. You understand and agree that Company reserves the right to modify or update these Terms, Privacy Policy and Game Rules at any time without needing to serve a prior notice upon You. Any such modification or update in the Terms, Privacy Policy and Game Rules shall, however, be intimated to You under the ‘Notice’ tab within the Application. You must accept the Terms, Privacy Policy and Game Rules so modified or updated, You must cease to access the Services and Application forthwith, and shall terminate Your membership (as referred to hereinafter) and inform Company immediately. If case You continue to access Services and Application after any such modification or update to these Terms, Privacy Policy and/or Game Rules, it shall be assumed that You have agreed to such modification or update, and be bound by the same.

2. MEMBERSHIP

2.1. Your application towards registration as a member and a registered user of the Services shall be deemed as You having expressly agreed to these Terms, Privacy policy and Game Rules, as updated from time to time, and therefore, shall be bound by the same at all times. Your registration as a member and registered user of Services shall be subject to discretion of the Company, and the Company shall reserve the right to terminate Your registration/membership by serving an instant notice based on subjective judgement and reasons.

2.2. Without prejudice to the foregoing, the membership and access to Services shall be allowed to any person above the age of 18 years, and the registration for membership shall be guided by the registration process stated in the Application. The Company reserves the right to verify the age of You as a user of Services by requesting for specified documentary proof in this behalf, and shall also reserve the right to impose ban in the event any documentary proof is found to be false.

2.3. Notwithstanding, any person requesting registration/membership shall, at all times, be bound by the applicable laws in the jurisdiction in which such person is situated. The Company shall be not be liable, in any manner, towards violation of any such applicable laws by the person requesting registration/membership. Neither Company, nor any other third-party providing any content on the Application, nor their related agents shall be responsible and liable for any direct or indirect, incidental or consequential injuries or damages that can arise as a result of the use of, or inability to use, Our Application by any person who is below the age of 18 years.

2.4. You acknowledge and agree that We are not obligated to cross-check or verify any of 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 or irrelevant information to Us. Therefore, You are required to provide Us with complete and authentic information to the best of Your knowledge to play Our Games. Also, You should not be a politically exposed person or convicted of any crimes. You should not be on the UN sanction list/ work for UN sanction list.

3. GAME VARIATIONS

3.1. The Company may offer various tournaments, promotional games, practice games, cash games and other non-cash games on its Applications (hereinafter collectively referred as "Games"). Each of such Games shall be governed by specified set of rules of game-play notified by the Company (hereinafter referred to as "Game Rules"). The Game Rules can be found in the ‘Help’ section in the Application. You are required to play any of such Games solely in accordance with such notified Game Rules.

3.2. The Company offers the Games in two categories:

i. Cash Game(s) are such Games that require participants to contribute make certain payments and/or to maintain a certain minimum cash balance in their account to participate.

ii. Non-cash Game(s) are such Games that does not require participants to contribute or make any payments or to maintain a certain minimum cash balance in their account to participate, that is to say, such Games are completely free to be played.

4. ACCOUNT CREATION AND

OPERATIONS

4.1. You must register Yourself through the Application before accessing Services or playing the Game(s). The registration can be done by clicking on the "Register" section in the Application, and the registration can be proceeded with in accordance with the steps directed therein. In order to register Yourself, You must create Your unique login name and password after submission of certain information as may be required therein. Further, You may be asked to submit certain documents for verification of Your age and authenticity of other details as part of KYC (Know Your Client) process. Failure to furnish any such information or documents, or in case any information or document submitted by You is found to be false, Your registration along with Your account associated with such registration may be suspended or terminated by Us, at Our discretion, without any prior notice. We shall not be liable towards, or be obligated towards, in any manner, for any loss incurred owing to account so suspended or terminated.

4.2. You acknowledge and agree that completing KYC process as required by the Company shall be a pre-condition to complete registration process on Our Application. Further, You agree that the Company may require You to re-verify Your credentials by completing the KYC process on periodical basis.

4.3. You must register Yourself only once with correct credentials, and shall not make more than one account on the Application, that is to say, You shall access the Services or play the Games only through one account. You are also prohibited from using account of someone else to access the Service or play the Games. In the event, You are found to be accessing the Services or playing the Game(s) through someone else’s account, You may barred by Us, for present and future, from accessing the Services or playing the Game(s), and also, We may, at Our discretion, terminate all the accounts associated with You or such other person without any prior notice. Further, You shall solely be responsible for any damage or loss incurred to any such third-person whose account may be used to access the Services and play the Games(s).

4.4.By registering Yourself and by accessing the Services, You hereby agree to not sharing or distributing Your password and/or other account information to any third-person, that is to say, only You shall be authorized to access Your account and the Services. We shall not be responsible towards any loss or damage that may occur owing to such sharing of password and other account information. You shall solely be responsible towards all the activities on the Application through Your Account. You understand and agree that We shall not incur any liability for information provided by You to anyone which may result in Your account on the Application being exposed or misused by any other person or any other harm or loss being suffered by You.

4.5.You undertake not to impersonate another person or user of Our Application, or attempt to get a password or any other account information not belonging to You for accessing Our Application. We may initiate appropriate legal proceedings against You as well as notifying the relevant regulatory or law enforcement authorities where appropriate, apart from suspending or terminating Your privileges for the use of the Application, in the event, We have reasonable grounds to believe that You have violated Your undertaking herein in any manner. Any act in violation of this clause by You shall be deemed to be a material violation by Us.

5.EXCLUDED JURISDICTIONS

5.1.The offering of Services by Us shall, at all time, be in complete compliance with the applicable laws. We understand that applicable laws in the Indian states of Assam, Odisha, Sikkim, Nagaland, Kerala and Telangana (hereinafter "Excluded Territories") may restrict or prohibit its residents from access to Services and playing the Cash Games, and such stated may impose penalties or punishments on finding any of its residents involved in accessing the Services and playing the Cash Games. Therefore, We, in compliance with such applicable laws, offer Our Cash Games and the Application in all Indian states except Excluded Territories. Accordingly, persons in Excluded Territories are explicitly prohibited form the accessing the Services and playing the Cash Games. We do not accept the registration as registered users on Application from persons in Excluded Territories for allowing to play Cash Games. Accessing the Services from a Excluded Territories by using IP or GPS masking software programs such as fake GPS, GPS Spoofer or others shall be breach of these Terms. In the event, any person in Excluded Territories registers by furnishing false information, We shall terminate the account of such residents forthwith upon knowing the fact of such information being false, and shall forfeit all the winnings or deposits with no obligation or liability whatsoever. You hereby expressly agree that it shall be sole responsibility of You to comply with the applicable state laws, and We shall not be liable in any manner towards breach of any such applicable state laws by You.

5.2.It may also be noted that the Services are being offered only in India and You shall only access the Services form India, while being in compliance with applicable laws.

5.3.The Company may, in compliance with the applicable laws, add more Indian states to the list of Excluded Territories, and as a result, You shall be bound by these Terms after such addition.

6.PAYMENTS AND TAXES

6.1. You shall add cash in Your gaming account in case You chose to play Cash Games on the Application. The aforementioned cash account shall constitute the follows:

i. Deposits: Deposits are such payments that You deposit in Your gaming account to wager and participate in the Cash Game with the object of earning winnings that are more than the deposits so made.

ii. Winnings: Winnings are such amount that are won by You as winnings in the Cash Game You have participated. All the winnings are credited by Us in Your gaming account.

6.2.While making any payment as deposits, You shall ensure that all the payments are made in Indian Rupees and the instrument used to make such payment shall belong to You. The payments are made through "Add Cash" section in the Application after You have logged in to Your gaming account. The payments shall be subject to the limitation imposed by Us with respect to the maximum cash that can be added to Your gaming account. The ability to add cash to Your gaming account shall be subject to the monthly "Add Cash" limits, which We can be set by Us with undertakings, indemnity, waiver and verification conditions as We deem appropriate in Our sole discretion.

6.3.The Company hereby declare, and User hereby agree, that any Deposit in Your account in accordance with the terms herein shall not constitute deposits in the Company with the meaning of prevailing company laws and other applicable laws.

6.4.Payments made through credit card, debit card, prepaid cash card and internet banking are processed by third party payment gateways. Similarly, payments made via other payment modes may require an authorization by the intermediary that processes the payments. We are not responsible for any delays or denials/rejections by such intermediaries or third-party gateways and processing of payments will be solely in terms of their policies and procedures, and We will not be in any way be responsible for the same. If case there are any issues in connection with adding cash to Your account, a complaint can be sent to Us in accordance with the complaint procedure provided in the \"Complaints and Disputes\" section on the Application. You agree that in an event any of Your payments is delayed or eventually declined for reasons beyond Our control, We shall not be held liable in any manner whatsoever. Once a payment/transaction is authorized, the money is credited into Your account and is available to You to play Cash Games on Our Application.

6.5. 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, then the transaction will be reversed and the money credited back into Your payment instrument. Players’ funds are held in trust by Us in specified bank accounts or in third party wallet liked with user’s gaming account with Us. We keep all its players\' funds unencumbered and Your funds will be remitted to You in due course subject to these Terms and Game Rules applicable to the withdrawal of such 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.

6.6. You understand and acknowledge the fact that We are neither a bank nor a financial institution and We shall not be obligated towards payment of any interest on the amount accumulated in Your gaming account. You acknowledge that credit to Your gaming account by You either for participating in the Cash Games or is a result of cash prizes that You may won as a result of participation in the Cash Game.

6.7. Any withdrawals of payments from Your gaming account shall be subject to deduction TDS as per Indian income tax laws and other rules and regulations of the Government of India. For the purpose of deduction of TDS, You agree to furnish Your PAN (Permanent Account Number) duly issued to You by the Income Tax Department, Government of India., as the case may be, to deduct TDS as per the rules and regulations of the Government of India.

6.8. You acknowledge and agree that We may charge service charges for Cash Games, after prior notice to You in this regard, which may vary depending on the nature of the Cash Game and are subject to change from time to time. Non-Cash Games are offered free on the Application, but may be subject to entry restrictions in some cases. Service charges charged by Us shall be inclusive of all applicable taxes, including GST (Goods and Service Tax).

6.9. Without prejudice to the foregoing, You are prohibited to use any credit card, debit card, prepaid cash card, internet banking or any other instrument not belonging to You to make Deposits and add money in your gaming account. You shall solely be responsible towards any loss incurred to the Company or any third-party owing to unauthorized use of any such instrument and accordingly, shall be obligated towards compensating the Company or any such third-party to make good such loss incurred. Additionally, the Company shall be at liberty to initiate and proceed with criminal prosecution against You in accordance with the applicable laws. Any act in violation of this clause by You shall be deemed to be a material violation by Us.

7.WITHDRAWAL POLICY

7.1. The Deposits made by You in Your account can be withdrawn by You, by making a specific request in this behalf, subject to completion of KYC. However, Depositing and withdrawing money in Your user account without playing any, or playing Cash Games inadequately, shall be inconsistent to Our fair play deposit and withdrawal policy. Such deposits and withdrawals in a consecutive or frequent manner shall be deemed as money laundering actions by You, which is not permitted on or through Our Application. Any violation in this regard, if proved upon Our investigation, shall be liable to penalty and ban from accessing the Services while confiscation of funds in credit in the user account, if any. Additionally, We may initiate appropriate legal action against You, and may, report the relevant authority with respect to Your such unlawful conduct.

7.2. You agree that any bonuses and promotional winnings are subject to withdrawal restrictions and can only be withdrawn after You have made at least one cash Deposit and thereafter, have played the minimum number of Cash Games required to be eligible for the bonus and promotional winnings.

7.3.We shall process a withdrawal request via NEFT- Electronic Transfer after KYC and withdrawal verification completed. We shall always attempt to process the withdrawal through the mode of transfer selected by You. However, We reserve the right to modify the mode of withdrawal at Our discretion. Additionally, We reserve the right to reverse the amount to the payment/Deposit mode used to add cash in Your user account.

7.4. We shall endeavor to 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 may include 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.

7.5.Without prejudice to the foregoing, You are permitted to play Games in fair manner in full compliance with the Game Rules, these Terms and other notification as may be made from time to time.

8.INTELLECTUAL PROPERTY

The Company holds absolute ownership of all the tangible or intangible rights with respect to the Application and the Services offered, including all the Games, any promotional material and the technology involved, such right being referred to as the "Intellectual Property Rights". Notwithstanding, any third-party content offered on the Application as part of Services shall be rights of such third-party. By allowing the access to the Services through Application and to play Games, We are only permitting You to play the Games in accordance with the prescribed Game Rules, and We are in no manner permitting You to use the Intellectual Property Rights including by way of copying, reproducing or transmitting any content, material or media.