Refund Policy

Refund Policy

Deposit, Payment, Refund, and Cancellation

7.1. Deposit
(a) All payments on the Platform will have to be made through your Wallet, by
following the process indicated therein. Any money deposited by You with
Rummytime is credited to the Deposit Balance Segment (after deduction of GST),
amounts available with You to participate in Cash Games are reflected in the
Game Balance Segment, and Your winnings are credited to the Withdrawable
Segment, unless You choose to transfer part of Your winnings to Game Balance
Segment, basis ongoing promotional offers (if any) on the Platform Your Wallet
also provides a record of all transactions made by You on the Platform.
(b) All funds collected from You are held in trust by Rummytime and kept
unencumbered in a designated account. By participating in Cash Games, You
hereby authorize Rummytime to appoint a third party/ Trustee/Escrow Agent to
manage funds deposited by You on your behalf. Subject to these Terms, amounts
collected from You are held in a separate non-interest-earning bank account. The
said accounts are operated by a third party appointed by Rummytime. From these
bank accounts, the payouts can be made to (a) the users (towards their
withdrawals), (b) Rummytime (towards its Platform Charge) and (c) to
governmental authorities (including without limitation towards GST, TDS on
winnings).
(c) All transactions You make with Us shall be in Indian Rupees (INR) and We do not
accept any deposits in any other currency or in the form of virtual digital assets.
You are free to deposit funds in the Deposit Balance Segment for the purpose of
participating in Cash Games, subject to the following conditions:

•  You can only deposit up to INR 50,000 (Indian Rupees Fifty Thousand only) to the Deposit Balance Segment in a single transaction;
•  the daily deposit limit set by Us with undertakings, indemnity, waiver, and verification conditions as We deem appropriate in Our sole discretion.If You breach the daily limit set by Us, You We will be notified of such applicable discretionary deposit limits on the Platform. It is hereby clarified that the limits for adding cash to Your RC Account may be changed by Us, at our discretion, after taking into account certain parameters, including without limitation, gameplay or user behaviour;and
• GST at the rates prescribed by the Government will be applicable to the amounts deposited by you in the Deposit Balance Segment.

(d) The deposits made by You in the Deposit Balance Segment are purely for the
purpose of enabling Your participation in the Cash Games and do not carry or
generate any interest or return. You shall be allowed to transfer the balance lying
in the Deposit Balance Segment to the Game Balance Segment to participate in a
Cash Game.
(e) Rummytime will issue a GST-compliant invoice to You which shall be available for
You to download on the Platform from the Wallet section, against the deemed
supply of actionable specified claims by Rummytime to You when you deposit
money to the Deposit Balance Segment.
(f) You cannot transfer any funds from Your Wallet to the Wallet of another user,
except as may be permitted by Rummytime.
(g) You hereby represent and warrant that the payment instrument/mode used for
adding cash to Your Wallet belongs to You.
(h) 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.
(i) 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.
(j) 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. Once a
payment/transaction is authorized and confirmed, and the funds are received by
Us, the amount is credited to the Deposit Balance Segment (after deduction of
GST) and is available for You to transfer it to the Game Balance Segment to play
Cash Games.
(k) 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 (exclusive of GST) to
the original source of payment.
7.2. Withdrawal
(a) 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 Laws.
(b) You may also choose to transfer a part of Your Withdrawable Balance to the
Game Balance Segment and avail Discount Credits in accordance with the
ongoing promotional offers (such as Superboost or such other nomenclature as
may be determined by Rummytime) being run on the Platform. The percentage of

Your Withdrawable Balance that can be transferred to the Game Balance
Segment shall be determined solely by Rummytime in its discretion and shall be
made available to You in the information panel, as an option to avail such offer.
7.3. 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.
7.4. A Withdrawal Request will be accepted by Us subject to adequate KYC
verifications, alignment with the deposit method, 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:
(a) You shall be allowed to place a Withdrawal Request only once in 24
(twenty four) hours, unless otherwise allowed as per applicable internal
policies or ongoing promotional offerings (if any).
(b) You can Withdraw all or any part of Your Withdrawable Balance, which
may be subject to applicable Platform Charge which will be determined
by Rummytime and shall be due at the time of withdrawal request. This
Platform Charge may vary depending on such parameters as may be
determined by Rummytime (including without limitation the level of
Your engagement on the Platform) and is subject to change from time
to time. The Platform Charge if applicable at the time of Withdrawal
shall be communicated to You at the time You place the Withdrawal
request.
(c) You may place a request to Withdraw a minimum of INR 100.00 (Indian
Rupees One Hundred only), and a maximum of INR 1,00,000.00
(Indian Rupees One Lakh only), per transaction. When Withdrawing
funds, payment will be made to You either by electronic wire transfer,
or any other manner in accordance with Your stated preferences and
Applicable Laws. We also reserve the right to disburse the amount to
the financial instrument/mode used to add cash to Your Deposit
Balance Segment. The foregoing limits on withdrawal may be changed
or modified by Us from time to time.
(d) Withdrawal Requests shall, subject to Withdrawal restrictions specified
in these Terms and the Platform, be processed post Your KYC
verification. We may ask You for Your KYC documents at any stage to
verify Your address and identity.
(e) Discount Credits are non-monetary, not Withdrawable and are subject
to the terms and conditions applicable to their grant.
7.5. 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.
7.6. Refund
(a) You may request a Refund of any unutilized funds in your Deposit
Balance Segment by contacting Support, completing of KYC and
subject to the following conditions:
(b) Upon receipt of a Refund request from You, the Refund will be
processed within 2 (two) weeks from the date of receipt of such
Refund request and the requisite Refund amount shall be credited to
the original source used to add such funds.
(c) (You may raise a Refund request no later than 180 (one hundred and
eighty) days of adding such funds to your Deposit Balance Segment.
(d) any GST deducted at time of deposit of the amounts shall not be
refundable as per Applicable Laws.
7.7. The refund policy for cancelled Cash Games shall be in accordance with the
terms and conditions specified on the Platform at the beginning of the relevant
Cash Game.
7.8. Your winnings may be disclosed to the relevant authorities, and requisite
amounts may be withheld from payouts, in order to ensure compliance with
Applicable Laws and lawful requests from the government, regulatory bodies, tax
authorities or an order of any court of competent jurisdiction. It is solely Your
responsibility to ensure the due remittance of all the applicable taxes.

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;
? 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;
? where You have been provided any promotional offer from the Platform or have
any winnings credited to Your Wallet;
? as may be required under Applicable Laws; and
? as may be determined by the Company 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) & 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/ information 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