1. Introduction

1.1 This user agreement (the "Agreement"), which includes those terms and conditions expressly set out below and those incorporated by reference including the terms of the Privacy Policy and the Game Rules (as defined in section 7 below) is an agreement between you (the "User", "you" and "your"), and Ability Games Limited and its licensors, subsidiaries, associates, affiliates and partners (the "Company", "us", "we" and "our") which governs your use of the products and services ("Services") provided by Ability Games Limited (the "Company") through the www.rummy24.com website and mobile app on Android & iOS Platforms (the "Platform") and associated software ("Software"). By using any of the Services you are agreeing to all the terms of this Agreement.

1.2 If any of the terms of the Agreement are determined to be unlawful, invalid, void or unenforceable for any reason, it shall not affect the validity and enforceability of the remaining terms. Any failure or delay on our part to act or exercise any right or remedy with respect to a breach of any of the terms of this Agreement by you shall not be construed as a waiver of our right to act with respect to the said breach or any prior, concurrent, subsequent or similar breaches.

2. Agreement

2.1 You should ensure that you read, understand and agree with all the terms and conditions contained in the Agreement, before you may use the Services. You should only use the Services if you have read and understood the Agreement and agree to abide by its terms and conditions. If you have any questions about the Agreement please contact us at support@rummy24.com .

2.2 We reserve the right to amend, modify or change any of the terms & conditions at any time, and it is advisable to regularly look at these terms. We shall give notice of such changes ("Notice") either by notification in the manner as the Company may deem fit or by posting the amended Agreement on the Platform. Such modifications could include changes to any of our Game Rules. If you do not agree with the terms of the amended Agreement, you may terminate your use of the Services by notifying us that you wish to terminate your Accounts. Your continued use of the Services will be deemed to constitute your acceptance of the changes to the Agreement.

2.3 The customers are advised to utilise/withdraw the amount so advanced to the Company in the ordinary course of business, for the sole purpose of participating in any of the online gaming platforms of the Company within the continuous period of 360 days of such advances, unless utilised either in full or in part by participating in any of the online gaming platforms of the Company, failing which such advances from customers will be forfeited on the 361st day without giving any advance notice/intimation to the customer and the customers will thereafter lose all its claims on such monies as advanced and remained remain continuously unutilised without any recourse to the Company.

2.4 Winnings, bonuses and prizes are unique to the player and are non-transferable. In the event you attempt to transfer any winnings, bonuses or prizes, these will be forfeited.

3. Ownership

Use of the Rummy24 name and any of the other names or marks associated with the Platform, the Services or the Software is strictly forbidden, unless it is used with the express written permission of the Company. The Platform, the Services and the Software, including its code, documentation, appearance, structure, and organization is an exclusive product of the Company, which retains all rights, tangible and intangible, to the Rummy24.com website, the games therein, software, codes, copies, modifications, or merged parts.

4. Eligibility

4.1 In order to use the Services, a User must register for virtual accounts and truthfully and accurately provide all mandatory information.

4.2 In order to participate in Games you must be at least 18 years old.

4.3 In order to participate in Real money Games, you must satisfy the following criteria at all times:
a. You must be at least 18 years old, and must not suffer from any disability or impairment which would prevent you from assuming the responsibilities contained in the Agreement, or from participating in the Games which are offered as part of the Services.
b. You must be a resident of India,
c. You must satisfy yourself that it is legal for you to participate in Real money Games in the specific jurisdiction from which you are accessing the Services.
d. You are not a resident of any of the following states: Assam, Tamil Nadu, Meghalaya, Nagaland, Odisha, Sikkim, Andhrapradesh, Telangana and Arunachal pradesh.
e. You are not logging in from any of the following states: Assam, Tamil Nadu, Meghalaya, Nagaland, Odisha, Sikkim, Andhrapradesh, Telangana and Arunachal pradesh.
f. You should possess a valid PAN card for experiencing seamless withdrawals.

4.4 Users who do not fulfill the above criteria are expressly barred from participating in Real money Games, and would not be entitled to receive any prizes which they may win as a result of participation in Real money Games.

4.5 You understand and accept that by viewing or using the Platform or availing of any Services, or using communication features on the Platform, you may be exposed to content posted by other Users which you may find offensive, objectionable or indecent. You may bring such content posted by other Users to our notice that you may find offensive, objectionable or indecent and we reserve the right to act upon it as we may deem fit. The decision taken by us on this regard shall be final and binding on you.

4.6 The user agrees and acknowledges that he/she can only access the game from territories that are not classified as Restricted Territories. Any access to our website or mobile application by the user from a Restricted Territory through the usage of IP or GPS masking software will amount to a breach of our terms and conditions. This will lead to permanent blacklisting and deletion of the Username and also forfeiture of the entire cash balance. Further, such actions are also a breach of applicable laws for which the User shall be solely liable to penalties (monetary and penal) under applicable laws. The Company is not responsible for the consequences on the User for illegally accessing our platforms by breaching our security protocol.

5. Description of Services

5.1 We provide valid, registered Users the opportunity to access and play online Rummy. The Company provides software and IT services to enable games of skill to be played with other individuals over the internet.

5.2 The Services provided by the Company are only intended to facilitate games of skill.

5.3 The Company levies a charge ("Service Charge") for Real money Games only from the winner(s) of said real money games, which would be inclusive of Service tax / GST as may be applicable. The Service Charge may vary from time to time and from one Chip Game to another.

6. Miscellaneous

6.1 You are prohibited from:
a. Undertaking any activity through the Services, the Platform or the Software that may be construed as money laundering (either under the Prevention of Money Laundering Act, 2002 or otherwise), including, without limitation, deliberately losing Real money Games to particular User(s), other forms of collusive or fraudulent activity designed to transfer funds to or from other individuals, or making cash credits through a credit card or similar financial instrument and attempting to make Cash Withdrawals in another form without participating in Real money Games.
b. Posting, publishing or otherwise making available to other Users through our Services, Platform or Software, any content which is obscene, defamatory, illegal, prejudicial to the Company, or is otherwise deemed offensive by the company without being illegal.
c. Undertaking any activity which may be harmful to other Users or interfere with the functioning of the Platform, the Software or the Services, including but not limited to attempting to decompile the Software, intercept communications with the Platform, attempting to mask or spoof your IP address, or uploading or spreading viruses or computer contaminants (as defined in the Information Technology Act, 2000 or such other laws as may be in force in India).

6.2 Employees, directors, consultants and agents of the Company, and any of their immediate relatives, are prohibited from participating in Real money Games in any manner, except such pre- designated employees for whom limited any participation which may be required in the course of their employment for the purpose of testing under monitored environment.

6.3 When putting up a profile picture, impersonating another person such as a celebrity is unlikely to be unlawful except in situations where the law specifically provides so. Some such situations entail fraudulent impersonation for deceit, copy right infringement and defamation. Hence, the choice of picture profile and its ramifications are at the player’s discretion.

7. Game Rules

You agree to abide by the rules and regulations of each of the Games as published and periodically updated (the “Game Rules"). You should ensure that you have read and understood the rules and regulations of the Games. These Game Rules form part of the Agreement and can be found on the ‘About Games’ page of the Platform. Please read them now before using the Services. We may, from time to time, make additional Game formats available as part of the Services. This Agreement will apply to any Game Rules relating to such Game formats. We will let you know about, and give you the opportunity to read, such Game Rules at the time of introducing additional Games to the Platform. We reserve the right to determine the results and winners of each of the Games in accordance with the Game Rules. By registering and/or participating in any Game or tournament you agree by these determinations. We will post lists of winners on the Platform following each Game.

We hereby advise our Company’s Customers to use or withdraw the amount of money so advanced to the Company in the regular course of business for the sole purpose of participating in any of the Company's online gaming platforms within a continuous period of 334 days from such advances. In the case where the amount of money remained unutilised partially or entirely because of non-use of the amount of money by participating in any of the Company’s online gaming platforms for 334 days, such advances from the customers will be forfeited on the 335th day without giving any advance or prior warning/intimation/notice/communication in any form or manner to the customer.

We hereby state that thereafter the customer will lose all claims pertaining to the utilisation of such amount of money as advanced in any of the Company’s online gaming platforms or for the purpose of withdrawal that remained continuously unutilised by the customer for the aforementioned period without any recourse to the Company.

8. Technical Issues

It is clarified that, once the chips are put in the game table, under no circumstance would the chips be returned to the Chips Account or the Winnings and Bonus Account. Upon the successful completion of the game, the winnings would be transferred to the Winnings and Bonus Account of the relevant winner. However, In the event of a server crash, breakdown, software defect, technical failure or any other failure attributable to the Company or otherwise, including any natural disaster or other act of god, which results in disruption to a Game, such Game shall be cancelled and the chips in the table would be refunded. The Company would under such limited circumstances, have the sole discretion to credit an equivalent amount of chips to the relevant participating Users in their respective virtual accounts from where such amounts have been withdrawn, and no Service Charge will be levied upon such Game. You accept that the Company is not liable to you in such cases in any manner, except to the extent hereby stated.

9. Intellectual Property

9.1 All rights, tangible and intangible, including copyright and other intellectual property rights, with regard to the Services, the Platform and the Software, and any content or information displayed or contained therein, belong exclusively to the Company, unless expressly provided otherwise. The Company is merely permitting the User to play Games online and not use the same for any other commercial gain, and no right of any nature whatsoever is being passed on the user by virtue of permitting him / her to play the Game. Using the Services, the Platform and the Software does not, expressly or impliedly, give you ownership of any intellectual property rights in the Services, Platform or Software or the content or information you access.

9.2 While the Company retains all rights, including copyright, over any content which may be generated by Users, including but not limited to the contents of chat messages or message boards/forums ("User-generated Content"), you acknowledge that the Company is not responsible for such User-generated Content. You understand that you will be accessing such User-generated Content at your own risk, and will not hold the Company responsible for an obscene, defamatory, illegal or otherwise offensive User-generated Content which may be displayed or accessible.

9.3 Our Services, Platform or Software may display content which does not belong to the Company. The Company is not responsible for such content, and this content is the sole responsibility of the person or entity that makes it available.

10. Breach and Consequences

10.1 You acknowledge and agree that in the event you commit a breach (as may be determined by the Company in its sole discretion) of any of the terms of the Agreement, or the Company in its sole discretion determines that your continued access to the Services is prejudicial, other users or public interest, the Company may take any one or more of the following steps: a. Suspend or delete your Account(s),
b. Bar you from using or accessing the Services in the future,
c. Forfeit any Cash Balance(s) associated with your Account(s),
d. Impose restrictions upon your ability to play certain types of Games,
e. Report any suspicious or potentially illegal activity to legal or governmental authorities, and to entities including banks, payment gateways, processors, or other financial institutions or intermediaries.

10.2 Any such actions as enumerated above which may be taken by the Company would be without prejudice to any other legal or equitable rights/remedies available to the Company.

11. Limitation of Liability and Indemnity

11.1 The Company shall not be liable for any claim, loss, injury, or damages (direct, indirect, incidental or any other kind whatsoever) arising from or in connection with your use of the Services, the Platform or the Software.

11.2 Notwithstanding anything to the contrary contained in the Agreement, you agree that our maximum aggregate liability for all your claims against us, in all circumstances other than for valid Redemption of any Cash Balance in your Accounts and technical issues explained under Clause-11 above, shall be limited to Rs. 2,000/- only.

11.3 You agree to indemnify and hold harmless the Company 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, the Platform or the Software.

11.4 If you have an issue within a particular game (which shall bear a specific game ID), you are entitled to report such issue to the Company within 90 days from the date you played such game (in which you faced the issue). The Company will not entertain, act upon or follow up on complaints specifically relating to issues reported by you beyond 90 days from the date on which you played the concerned game.

12. Disclaimer

12.1 The Company expressly disclaims all responsibility and liability for any harm resulting from:
a. your participation in, or cancellation of, any Game,
b. any activity or transactions with third parties whom you may have connected to through the Services, the Platform or the Software, and
c. any User-generated Content, including any violation of intellectual property rights with respect to such User-generated Content.

13. Warranty

13.1 The Company makes no warranty or representations about the accuracy or completeness of the content contained on the Platform, the Services or the Software. The Platform, the Services and the Software, and all content, materials, information, services, and products contained therein, including, without limitation, text, graphics, and links, are provided ‘as is’ and without warranties of any kind, whether express or implied.

13.2 The Company disclaims all warranties, express and implied with regard to the merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus etc. of the Platform, the Services or the Software. The Company does not represent or warrant that the functions contained in the Platform, the Services or the Software will be uninterrupted or error-free, that defects will be corrected, or the company or the server that holds the platform, the Services or the Software available are free of viruses or other harmful components.

13.3 The Company also reserves the right to limit your use of the Services or participation in any Game, or terminate your Account, in case it determines that you have intentionally caused any malfunction or disruption of the Services.

14. Use of Services

14.1 Commercial use of the Services, Platform or Software is strictly forbidden. The User is only allowed to use the Software for his/her personal entertainment. Under no circumstances shall a User be permitted to use his/her Accounts for any purpose other than for playing the Games.

14.2 The User may not attempt to modify, decompile, reverse-engineer or disassemble the Software in any way. The use of external player assistance programs ("EPA Programs") or artificial intelligence, including, without limitation, ‘robots’ is strictly forbidden in connection with the Services, the Platform, the Software and the Games. All actions taken in relation to the Games by a User must be executed personally by the User through the user interface accessible by use of the Platform and/or the Software. You agree that Ability Games Limited may take steps to detect and prevent the use of EPA Programs, robots/ bots, or any form of artificial intelligence. Such action may include, but is not limited to, the examination of software programs running concurrently with the company’s Software on the User's computer.

14.3 Your continued use of the Services will be deemed to constitute your acceptance for receiving important information be it account information, promotional or any sort of notifications either by SMS, e-mail or any other modes as it may deem fit.

15. Third Party Sites

The Platform may provide links to third-party web sites. Third parties and third-party websites may have different privacy policies, terms and conditions and business practices than we do. Your dealings or communications with any party other than the Company are solely between you and that third party. Reference on the Site to any product, process, publication or service of any third party by trade name, domain name, trademark, trade identity, service mark, logo, and manufacturer or otherwise does not constitute or imply its endorsement or recommendation by the Company.

16. Governing Law

This Agreement shall in all respects be governed and interpreted by, and construed in accordance with, the laws of India.

17. Jurisdiction

All disputes, complaints, differences etc., shall be subject to the exclusive jurisdiction of the courts at Kolkata, West Bengal, which is Calcutta High Court.

18. Contact us

In case of any questions or complaints, feel free to contact us any time at support@rummy24.com. In case of any change in your personal information, please contact Customer Service at support@rummy24.com. If you forget your password, or suspect that your password or your Accounts has been compromised, please contact support@rummy24.com.

Helpdesk Number : +91 990 380 8888

WhatsApp Number : +91 990 380 8888

19. Accepting the terms and conditions

You undertake to have read and abide by the above terms and conditions.

20. Termination by User

You may cease using the Services and terminate your Accounts at any time, by writing to us at support@rummy24.com and informing us of your intention. Subject to such restrictions as may be applicable to Cash Withdrawals in accordance with the terms and conditions of this Agreement, the Company will refund the remaining amount of your Cash Balance to you at this time.