Play NRummy, Win Unlimited Rupees

Terms & Conditions

('You or 'Player') and offered by NRummy and/or its affiliates, subsidiaries, associates, and partners (hereinafter referred to as 'We' or 'Us' or 'NRummy' or 'Our') through the website/App https://www.nikatbygames.com (hereinafter referred to as the 'Website/App) and the usage of the Website/App by You are subject to these Terms of Service (hereinafter referred to as the 'Terms') provided by Openplay Technologies Private Limited. (the 'Company') through www.nikatbygames.com (the 'Site')

THESE TERMS SHOULD BE READ BY YOU (THE 'USER' OR 'YOU' OR 'YOUR' OR 'PLAYER') IN THEIR ENTIRETY PRIOR TO YOUR USE OF THE SERVICES.

If any of these Terms is determined to be unlawful, invalid, void, voidable, or unenforceable for any reason by any judicial or quasi-judicial body in India, it will not affect the validity and enforceability of the remaining Terms. Any unlawful, invalid, void, voidable, or unenforceable Term will be replaced with another Term that is valid, enforceable, and most nearly gives effect to the original intent of the invalid /unenforceable Term.

By registering, you are deemed to have accepted and understood all the Terms.

We recommend that You print out (or save to file) all transaction records, rules of play, cancellation policies, and pay-out policies.Our failure or delay to act or exercise any right or remedy with respect to a breach of any of these Terms by You does not waive Our rights to act swith respect to any prior, concurrent, subsequent, or similar breaches.

If a competition or tournament is organized by Us on the Website/App, it shall be governed by these Terms and any supplementary terms and conditions which may be specifically applied for a competition or tournament.

If You do not agree to the following Terms or any future alterations or modifications to these Terms, you may discontinue the use of the Website/App and any Services offered by it.

General Terms of Use

1. Pay-to-play, Real Money (as defined below) ('Real Money Games' and together with the Play Money Rummy 'Games'), and other related services in relation thereto (together with the Games, hereinafter referred to as the 'Services'). For the purposes of these Terms, 'Real Money' shall mean and refer to any actual money in the currency of Indian Rupees that is accepted as payment for goods and services

2. You may use the Services only if you reside in India and are (i) 18 years of age; or (ii) above the age of majority in the applicable jurisdiction; or (iii) accessing the Services from jurisdictions, where it is legal to connect to or access the Services.

3. Excluded States: It may be noted that the state legislations of Telangana, Andhra Pradesh, Arunachal Pradesh, Assam, Odisha, Nagaland & Sikkim do not permit the playing of games of skill for money (Excluded States). If any User belonging to the Excluded States is found to be participating in any Real Money Games on the Platform or registers by giving false information, the User will be solely liable in such instance and the Company reserves the right to terminate the User Account without any further notice and refund any unused real money credited into such User’s account and forfeit any winnings as the case may be. The Company or the Platform operated by the Company will not be liable for players' breach of applicable State laws

4.Over course of accessing the Platform or the Services, you may face service disruptions due to no fault of the Company, including, but not limited to disconnection or communication interferences due to issues in the internet infrastructure used for providing or accessing the Services or due to issues with the hardware and software used by you. You understand that the Company has no control over these factors. The Company shall not be responsible/liable to you for any interruption in the Services due to such reasons that are not attributable to the Company, and you agree to take sole responsibility for any risk of loss due to any interruptions to your access to the Platform or the Services for any such reason

5.Prior to participating in or availing of the Services, you shall be solely responsible to satisfy yourself about the eligibility of age and legality of playing the Games in the jurisdiction from where you are accessing the Services. With respect to the Real Money Games & free games offered by N Rummy app, if you are not eligible by age and/or not legally competent to individually enter into Indian Rupee transactions through banking channels in India and/or are not accessing the Platform from a permitted jurisdiction, you are prohibited from participating in Real Money Games on the Platform.

6.You may participate in the Services only if you are not a resident of any state in India in which, conducting, or operating of the paid Services is prohibited, which states include, but not be limited to Telangana, Andhra Pradesh, Arunachal Pradesh, Assam, Odisha, Nagaland & Sikkim ('Excluded States'). You hereby confirm that you are not a resident of the Excluded States and that you will not now and in the future, access the Services to play the Real Money Games/Play Money Games from outside India or from within the Excluded States. In the event of such violation, your participation in Real Money Games will be deemed to be in breach of the Terms and you will not be entitled to receive any prizes or pay-outs that you may earn from such Real Money Games

7.Access to our Services or any part thereof for users from a particular state or location may be restricted by us from time to time at our sole discretion.

8. N Rummy Playstore app complies with the guidelines mentioned under Google Play Developer Program Policy & will validate the user location before registering. New or registered user on the app won’t be allowed to play games or deposit from restricted locations. We make no representation or warranty with respect to the legality or otherwise of the accessing and use of the Services in your location of residence and it is solely your responsibility to determine whether such accessing and use of the Services by you is legal. We further warrant in that respect that the access to the Platform is not intended to enable you to contravene any applicable law

9. You hereby agree that the Games are for entertainment only, and your participation in the Games is solely for your own personal enjoyment and non-professional use.

10. No purchase is necessary or required to play the Practice Games and you may participate in the Practice Games without crediting any Real Money funds or utilizing any portion of the User Account Balance. However, you are required to complete your KYC Verification i.e. includes Age, & Location validation. You understood that only after KYC verification you are allowed to play practice games. Any participation in the Games is at your sole option, discretion, and risk. By playing the Games, you acknowledge and agree that you do not find the Games or the Platform, objectionable, unfair, or indecent

11. You further understand and agree that the Company is not in the business of soliciting deposits and any funds actually present and/or credited in your User Account shall not constitute “deposits” as defined under the Companies Act, 2013 and the applicable rules thereunder.

12. You understand and agree that you cannot transfer any of your User Account Balance to the account of another registered user on the Platform except as may be permitted by the Company and subject to restrictions and conditions as may be prescribed.

13. The Players shall be solely responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money and / or amount lying in the any of the wallet(s) / user account(s).

14. Wallets on the N Rummy Platform:
Post successful creation of the profile the following wallets are created:
Bank Wallet - This wallet represents the real cash that is deposited by the player through any of the UPI / banking channels.
Bonus Wallet - This wallet represents the discounts / bonuses that are offered by N Rummy to the players at its sole discretion.
Withdrawable wallet - This wallet represents the amount won by a player which can either be withdrawn subject to the procedure and guidelines stipulated hereunder or can be redeployed for playing a fresh game

15. You agree and acknowledge that if a Member Account is found to be inactive for a continuous period of 330 days, that is, the Member has not participated in any games for such continuous period or has not logged in for such continuous, then Openplay reserves the right to terminate or suspend such Account. If the Account Balance of such inactive Account is less than INR 300, the Member shall have no right to redeem or demand the said Account Balance. For such inactive Accounts where the Account Balance is above INR 300, OpenPlay will attempt to contact the Member through all available channels to organize withdrawal of the Winning & Deposit Account Balance, including verification of the bank account (if not already done), and then refund the Winning Account Balance to the Member bank account (as provided) and Deposit balance to the payment source.

16. N Rummy may offer discounts / bonuses (hereinafter referred to as ‘discount’) to its players in any form and manner as it deems fit depending on the existence of ongoing promotional offers. All such discounts shall be reflected in a separate wallet.

17. N Rummy may offer various forms of discounts / bonuses basis various well-defined parameters such as user profile, past history, gameplay record, etc. N Rummy reserves the right to define the parameters as per its discretion and it can offer different kinds and quantum of discounts / bonuses to different set of players. The Bonus Wallet will be credited / topped up with requisite non-monetary discounts / bonuses which can be used by the players to play real money cash games, subject to utilizing the same within the validity period.

18. The grant of any discount issued shall be subject to the limitations and restrictions, including restrictions as to the time within which such discount must be used, as mentioned in the Terms & Conditions of specific promotions.

19. Issuance of any discount to a player is subject to the sole discretion of N Rummy and cannot be demanded by any player as a matter of right. The issuance of any discount on any day shall not entitle the player to demand the issuance of such discount at any subsequent period nor create an expectation of recurring issuance of such discount.

20. Discounts / bonuses offered by N Rummy shall be at their sole discretion and can be utilized to play a real cash game. Primarily the following kinds of discounts / bonuses may be offered by N Rummy at their discretion:

Super Bonus: - The supplemental conditions of this discount / bonus are as follows:

(i) this is a deposit linked bonus(ii) this promotional offer may vary from player to player as per the parameters evaluated by N Rummy(iii) the right to offer this discount / bonus vests with N Rummy(iv) the discount / bonus has a validity period and can be withdrawn at any point of time(v) the disbursement of this bonus may be subject to no withdrawals being made during the specified period(vi) to understand the exact disbursal of the bonus, please ensure that you click on the view details section on the bonus page.

Surprise bonus: The supplemental conditions of this discount / bonus are as follows:

(i) this is a withdrawal linked bonus and may be offered at the time of raising a request for withdrawal(ii) this promotional offer may vary from player to player as per the parameters evaluated by N Rummy(iii) the right to offer this discount / bonus vests with N Rummy(iv) Once this offer is availed of, the quantum of amount availed cannot be credited back into the Winning Wallet(v) to understand the exact disbursal of the bonus, please ensure that you click on the view details section on the bonus page

Loyalty Bonus - The supplemental conditions of this discount / bonus are as follows:

(i) this is a deposit linked bonus and bonus upto 30% to the value of deposit may be offered(ii) this promotional offer may vary from player to player as per the parameters evaluated by N Rummy(iii) the right to offer this discount / bonus vests with N Rummy(v) to understand the exact disbursal of the bonus, please ensure that you click on the view details section on the bonus page

Other Bonuses

(i) Other promotional bonuses may be offered to players(ii) promotional offers may vary from player to player as per the parameters evaluated by N Rummy(iii) the right to offer this discount / bonus vests with N Rummy

b. Every bonus/discount/promotional cash-back rewards given comes with validity Upon expiry the bonus can’t be credited to the player’s account

c. The discount shall not be withdrawable or transferrable to any other account of the player, including the bank account of such member, or of any other member or person, other than as part of the winnings of a member in any game(s) / tournament(s).

The discount shall not be withdrawable or transferrable to any other account of the player, including the bank account of such member, or of any other member or person, other than as part of the winnings of a member in any game(s) / tournament(s).

I.ACCOUNT CREATION: USER ACCOUNT, PASSWORD AND SECURITY
1. You are required to register initially to avail of the Services and to start playing the games. This will include providing N Rummy with your current, complete, and accurate information as may be required by N Rummy.
2. Click on the "Register" button on the home page or use the quick registration form on the home page to complete the registration. Note by clicking up ‘Register’ confirms Your acceptance of these Terms.
3. You are required to furnish information like a Mobile number and register to N Rummy by verifying the mobile number with a password or OTP. You may have a "Log-in" name (or user name), password, and a valid email address. Your Log-in name must be unique and cannot be vulgar or otherwise offensive (as determined by N Rummy at its sole discretion). It shall not infringe any trademark or other proprietary rights of a third party. Your Log-in name can only be used in accordance with these Terms and/or other applicable agreements. We suggest that You use a unique Log-in name and a unique and secret password or authenticate using OTP.
4. Your membership or subscription is personal to You. You are advised not to transfer or make available Your account name and password to others and not to use anyone else's account at any time. You are entirely responsible for maintaining the confidentiality of Your password and account and You have sole responsibility for any and all activities that occur through Your account. In the event of any unauthorised use or theft of Your account or any other breach of security, You must immediately notify N Rummy of such event. If required and/or requested, You agree to provide N Rummy with evidence of such theft or unauthorised use.
5. N Rummy will not be liable for any loss that You may incur as a result of any unauthorised use of Your account by another user or as a result of someone else using Your password or account, either with or without Your knowledge.
6. You acknowledge that at any point in time, We may require You to verify the correctness of the information provided to Us. We may require You to provide Us with additional contact information and You hereby agree that You may be required to provide Us with such additional contact information during the registration process or after You have registered with Us. N Rummy reserves the right to cancel, suspend or terminate Your account in case of any violation of the Terms.
7. You are restricted from uploading and distributing sensitive information like the passwords and Log-in name (user-name) on the web
8. You are required to treat fellow players with respect and courtesy throughout your use of the Website/App. In the event, it is found by Us, or a complaint is received by Us from your fellow players to the effect that You have been offensive and/or abusive towards Your fellow players, we shall be fully entitled to cancel, suspend, or terminate Your account
9. You agree to indemnify and hold harmless N Rummy from any claim, demand, damage, or loss including reasonable attorneys' fees, asserted by any third party, due to or arising out of Your use of the Services or arising out of use by any third party of the Services using Your account.
II.ACCOUNT VALIDATION:
1. N Rummy reserves the right to validate players' accounts. These attempts may be made via App Geo validation, phone call, or email.
2. We reserve the right to stop players from Registering/logging in to the App if the validation is unsuccessful
3. You may be required to provide proof of Your identification to play/deposit on the app – only post successful validation of the same, you are eligible for gameplay/deposit/cash games on the app.The information provided is kept confidential and can be used only for internal purposes to confirm the authenticity of the account created..
4. We will carry out user age and geo verification and only allow users above the age of 18 i.e., 18+, and registering/logging in from non-restricted states in India will be allowed. Restricted states: (Ref: Section VII SERVICES NOT OFFERED IN LOCATIONS & OTHER APPLICABLE LAWS: 1. State Laws in T&C)
III.CONTENT AND SOFTWARE:
1. N Rummy shall be the owner or authorized user of all content and material on the Website/App including but not limited to information, images, marks, logos, multimedia clips, animation, games, and software (collectively referred to as "Content, other than personal information of Users posted by them in order to avail of the Services. "). Content posted by N Rummy may be protected by applicable intellectual property laws.
2. N Rummy is the owner or authorized user of all software programs forming part of the Website ( www.nikatbygames.com) and App. You acknowledge that you may only make use of the Website/App for the purpose of availing of the Services and not for any commercial purposes or for Your profit (other than through the Services). Provision of the Services shall not be deemed to provide you with a license to use the software embedded on the Website/App for any purpose other than to avail of the Services. You shall not have any right to reverse engineer, disassemble, decompile, use for purposes unconnected with the Services or otherwise interfere with the working of such software
3. You shall not attempt to "hack" into the Website/App or obtain access to the source code of the software or to any links in the Website/App that are not meant to be accessed by You in the regular course of Your use of the Services.
4. In the event it is found by Us that attempts to reverse engineer, disassemble, decompile, or hack into the Website/App have been made by You, you shall be liable to be prosecuted by N Rummy under the applicable laws.
IV.PRODUCT OFFERING: Competitions, Tournaments & Games organized by Us on the Website/App may be of several types including Cash Tournaments, Promotional Tournaments, and Practice Tournaments.
1. Practice Games:
  1. Practice games and tournaments are conducted to familiarize players with various games and rules of tournament play
  2. You understand and agree that if You win a Practice tournament, You do not receive any actual prizes or cash
  3. You may not hold NRummy responsible for not being able to play a tournament for which You may be eligible. This includes but is not limited to situations where You are unable to log into Your account, due to Your account being under validation or You are being in violation of any Terms or there being any disruption from your internet service provider
2. Promotional Tournaments:
  1. The Promotional Tournaments organized on the Website/App shall be either free to join or may require You to use the promotional Play bonus that You accumulate while playing Promotional Tournaments.
  2. The Play bonus that You win in a Promotional Tournament can only be utilized by redeeming them for gifts and prizes that are offered by N Rummy at its discretion.
  3. The Play bonus won in Promotional Tournaments cannot be redeemed for cash.
  4. The details of Promotional Tournaments may vary from time to time and N Rummy shall make its best efforts to publish this information on the Website/App and additionally inform the relevant players via e-mail, or other means of communication but does not guarantee the same
  5. You may not hold N Rummy responsible for not being able to play a tournament for which You may be eligible. This includes but is not limited to situations where You are unable to log into Your account, due to Your account being under validation or You are being in violation of any Terms or there being any disruption from your internet service provider
3. Cash Games and Tournaments:
  1. Games and tournaments may require You to pay a Buy In or entry fee, as described in the specific supplementary terms and conditions, which govern those tournaments.
  2. The amount of Buy In or entry fee may differ from tournament to tournament at the sole discretion of N Rummy.
  3. Any applicable tax, levy, or cess for any prize which You may win will be borne by You.
  4. We reserve the right to retain any amount from prizes or gifts as We may be required to pay as tax, as required by the applicable laws of India
  5. Your participation in tournaments and games made available on the website/App which requires You to pay & Buy In or entry fees is subject to the additional following terms and conditions:
    1. i.You must be above 18+ years of age to participate in paid games, tournaments, and competitions offered on N Rummy and must truthfully state Your age while registering with Us. We absolutely prohibit minors or those underage from participating in any of the games, tournaments, and competitions. We reserve the right to ask for proof of age from You and suspend Your account until satisfactory documentation is provided. Should We have reason to believe that You are less than 18 years of age, you will not be allowed to participate in any paid games, tournaments, and competitions and your account will be deactivated
    2. ii.All transactions for cash tournaments and games will be calculated in Indian rupees
    3. iii.Once You register on Our Website/App, we shall maintain an account for You to keep a record of all Your transactions with us. Payment of Buy In/entry fees for any game/tournament has to be made through Your account. All cash prizes won by You are credited by Us into Your account
    4. iv.We may specify maximum and minimum limits in the respect of the amount of money that you may be required to purchase in Your account for the purpose of paying Buy In/entry fees as prescribed to participate in cash tournaments
    5. v.When making a payment, you are advised to ensure that the instrument used to make the payment is Your own and is used to add cash to Your cash account.
      You may not:
      Use any payment instrument that You are not authorized to use, to transact on N Rummy
      Use Your payment instrument to transact on N Rummy using an account that does not belong to You
      Note: In the event of any violation of the above, We reserve the right to fully investigate the matter, if necessary report the matter to appropriate authorities, and close Your account instantly. We reserve the right to retain the funds in Your account without applying them for the purpose for which they are paid, until We have suitably identified the source of payment and confirmed that the payment has been validly made or with due authorization.
    6. vi.When You make a payment on the Website/App using any of the available modes of payment, your payment is processed by a third-party payment gateway and any information entered by You in this regard on such gateway is not visible to us.
    7. vii.You understand and agree that We have the right to cancel a transaction at any point of time solely according to Our discretion, without assigning any reasons. In the event that You have made any payment for which You have received no benefit, the transaction will be reversed, and the money would be credited back to Your payment instrument.
    8. viii.You also understand and agree that a payment made through any mode of payment available on the Website/App may be rejected by the payment gateway for reasons independent from Our own.
      You acknowledge and agree that N Rummy is not liable for any such non-processing or rejection of the payment for reasons not attributable to or beyond the control of N Rummy
    9. ix.N Rummy assures You that any money held in Your account with Us paid by You or which may have accrued to You under these Terms is held in the nature of trust with Us and will be utilized for the purposes of (a) remittance to You (towards Your withdrawals), (b) payment to N Rummy [towards its margin (i.e., the difference between the buy-in/discounted buy-in amount and the prize pool amount)] or (c) for payments to governmental authorities (including without limitation towards GST and TDS on winnings), as the case may be in due course. You acknowledge and agree that the monies deposited/paid by You in Your account shall not accrue interest. N Rummy continues to be an online intermediary platform and its activities are confined to providing the platform to the players. The fact that N Rummy holds the amounts deposited as Trustee or pays GST on the deposits made by you as per deeming provisions under GST laws should not be construed to be an alteration of the nature of its activities/functions
    10. x.You can do a min transaction of Rs.50 and a maximum of Rs.20,000 in a single transaction using our available payment options. The upper and lower limit of transactions may be altered by N Rummy at any time without giving a prior notice for the same.
    11. xi.You can choose to leave the table from a cash tournament by clicking on "Leave the Table" before registration for that tournament closes, and in such case, Your entry fee will be credited back to Your account. Once registration for a tournament closes, no refund is possible, and You shall not demand the same.
    12. xii.You understand and agree that once You join a tournament, the entry fee for that tournament will be debited from Your N Rummy cash account as a valid payment for Your participation in that cash tournament. If You subsequently choose to redeem your entry fee from the cash tournament before registration close time, the entry fee will be credited back to Your N Rummy cash account.
    13. xiii.The amount credited to your user account in case you win a game shall consist of: (i) return of deposit / wager amount used for playing game and (ii) winnings from such game.
    14. xiv.Any cash prize won by You will be credited to Your N Rummy account. You agree that all cash-outs You make are governed by the following conditions:You can choose to redeem money from Your account at any time subject to bonus cash-out restrictions, as mentioned hereafter, and notify Us of the same. Once notified, we may disburse the specified amount by cheque or electronic transfer based on the mode of cash-outs selected by You. We shall make Our best efforts to honour Your choice on the mode of cash-outs but reserve the right to disburse the specified amount to You by any means as may be determined by us.You may withdraw your rummy game winnings using a bank transfer or UPI transfer for the amount of winnings. All withdrawals are FREE; we do not charge any fees for withdrawals.
    15. xv.If your payment is rejected or fails due to incorrect bank account details, the rejected amount will be refunded to your rummy account. You need to raise a fresh withdrawal request and post updating the correct bank account details.
    16. xvi.Your registration details including Your name, using which You have registered on the Website/App must correspond with the name and other details on Your financial instrument used on the payment system. If this is not the case, we reserve the right to verify Your details to ensure that the financial instrument used for the transactions is not being misused. In this regard:We may verify Your identification details and age from time and time.At any point of time in Our transactions with You, if We detect or have reasonable cause to suspect that You may be involved with identity fraud, We may withhold the purchase in Your account and bar You from further participation in any tournament/game available on N Rummy without prejudice to any other legal recourse We may have apart from notifying the relevant regulatory or law enforcement authorities as deemed appropriate
    17. xvii.We can ask you for Your Know Your Customer (KYC) documents issued by a government agency such as Aadhar Card, Passport etc. to verify your address and identity at any stage. Withdrawals will be permitted only from accounts for which such KYC process is complete
    18. xviii.We do not entertain any refund or cancellation once the transaction is done.
  6. Your participation in tournaments or games made available on the Website and any prize(s) You may win in such tournaments/games signifies that You agree and consent to the following:
    1. i.Your registration on the Website/App is restricted to a single user account, which will be used by You to avail of the Services provided on the Website/App
    2. ii.You are prohibited from creating or using multiple user IDs for registering on the Website/App. If We have reason to believe that You have created multiple user IDs, we reserve the right to suspend Your account(s) until We have investigated the matter and have received adequate supporting documents from You. We reserve the right to close all the additional accounts created by you and forfeit all the cash balances present in your multiple accounts. In addition, we reserve the right to ask for verification documents from You
    3. iii.You undertake to participate in the games/tournaments as an individual player
    4. iv.Formation of teams and collusion between You and any other user(s) for participating in games/tournaments organized on the Website/App is expressly forbidden and will result in Us cancelling the relevant accounts and debarring access to the Services for all users, who are members of such teams or have taken part in such collusion. By accepting the Terms, you agree that You will not play the games in collaboration with other players, or by communicating with other players which may give undue benefit to You or other players. In case You are found to be involved in such activities, we reserve the right to withhold all the funds in Your account and make investigations to ascertain the extent of undue benefit derived by You and such others and to cancel and close Your account without any communication to You
    5. v.You undertake that You Yourself will play in all games/tournaments in which You have registered, and not use any software programs, bots, devices, or any other form of external assistance to play. Any attempt to employ any such external assistance will result in You being debarred from further participation, cancellation of Your registration with Us, and possible forfeiture of Your cash balance.
    6. vi.You agree and acknowledge that We will take all steps necessary to determine whether Your participation is in accordance with the Terms laid down herein
    7. vii.In the event we have reasonable ground to believe that you have indulged in any fraudulent activity, or have registered or have availed of the Services provided on the Website/App using multiple user IDs or you have breached any of the Terms, we may debar You from participating in any game/tournament organized by us, Suspend Your account, Prohibit Your access to the Website/App and withhold any prizes that You may have won
    8. viii.In the event of a disagreement or dispute between You and any other user(s) in a game, our decision shall be final and binding on you and the other user(s)
    9. ix.Subject to paragraph vii. below, to be eligible to win a prize, You must be a resident of India and You must have accessed the Services and the Website/App from India.If You are a prize winner, resident in India, and physically present in India while accessing the services of NRummy but not an Indian citizen, We will remit Your winnings in Indian Rupees to the address provided by You for playing cash tournaments provided the address is within India. There may be, in such events, delays which You may find inordinate. You, however, agree and acknowledge that such delays may not be within Our control and that You will wait for us to obtain the necessary clearances and permissions for such remittances.
    10. x.Any prize You win, accrues solely to You and will not be assigned or transferred to any third party by us
    11. xi.If You are not a resident of India or do not access the Website/App from India, You are prohibited from participating in cash or promotional tournaments on N Rummy. Your participation in such tournaments will be deemed to be in violation of these Terms. Subsequently, you will not be entitled to receive any prize that You might win in such tournaments. We shall have the right to fully investigate the matter, report the matter to appropriate authorities, and to take appropriate legal action.
    12. xii.If any prize is handed over to you in the form of a cheque and the cheque is not encashed within the validity period of the cheque, We will deem the cheque to have been lost. Any request for re-issue of the cheque will be approved or rejected at our discretion and if approved, will result in deduction of applicable processing charges from the amount of the cheque on re-issuance
    13. xiii.We do not take any responsibility for who You are matched up against in a tournament or at any time during which a tournament is in progress. The matching is done based on predefined and random computer-generated criteria, which apply uniformly to one and all playing on the Website/App. As a result, it is not within Our control to match specific players against each other
    14. xiv.You agree and acknowledge that We shall not be responsible for whom You play with in a tournament and that You will not request a change to or reversal of the outcome of the tournament based on the identity of your opponents or other players
V.TDS Policy
1. All withdrawals and / or balance(s) in the user account shall be subject to deduction of TDS as per the provisions of the Income Tax Act, 1961. We reserve the right to deduct any amount from the amount of withdrawal or balance in user account to pay TDS.
2. TDS will be deducted at applicable rates which are subject to change without prior notice to the user. The rate of TDS as on 01.06.2023 is 30%. As per the provisions of the Income Tax Act, 1961 and the Rules made thereunder, the TDS is required to be deducted on net winnings in the manner as may be prescribed by law. An illustration of manner of computation for deduction of TDS is given below solely for ease of reference:
3. Illustration:
  1. Calculation of net winnings for the first withdrawal during the financial year shall be done using the formulae- Net winnings =A-(B+C+E)
  2. Calculation of net winnings for every subsequent withdrawal during the financial year shall be done using the formulae- Net winnings =A-(B+C+E)
  3. Calculation of net winnings at the end of financial year shall be done using the formulae- Net winnings =(A+D)-(B+C+E)
  4. where-
    A = Aggregate amount withdrawn from the user account during the financial year;
    B = Aggregate amount of non-taxable deposit fmade in the user account by the owner of such account during the financial year;
    C = Opening balance of the user account at the beginning of the financial year;
    D= Closing balance of the user account at the end of the financial year; and
    E= Net winnings comprised in the earlier withdrawal or withdrawals computed under sub-rule (2), or sub-rule (4), during the financial year if tax has been deducted in accordance with the provision of Section 194BA of the Act on winnings comprised in such withdrawal or withdrawals.
4. The above is purely an illustration and is subject to change without any notice to the user.
5. Furthermore, the manner of deduction of TDS shall at all times be governed solely as per the applicable legal provisions.
VI.Deposits inclusive of GST:
1. The deposits made by the players in their Deposit Wallet is inclusive of the margin, if any, payable to N Rummy.
2. You agree that each deposit made by you would be subject to the applicable rate of GST and the amount so deposited by you is inclusive of the said GST which shall be duly deducted and deposited with the Government by N Rummy.
VII.Tell a friend:
1. You may invite a friend, acquaintance, or any other person to use the Services available on the Website/App by clicking the appropriate links given on the Website/App. Just choose Your email provider or social networking site(s) and invite Your friends to join N Rummy. All Your personal information is kept private and is not disclosed to anyone
2. When You invite Your friends or acquaintances to subscribe to the Website/App through the "Tell a Friend”/ ”Refer a Friend” Feature, N Rummy uses the third-party service to import Your address book containing the email addresses of such friends and acquaintances to which You can then choose to send invitations.
VIII.SERVICES NOT OFFERED IN LOCATIONS & OTHER APPLICABLE LAWS:
1. States Laws:
  Applicable laws in Telangana, Andhra Pradesh, Arunachal Pradesh, Assam, Odisha, Nagaland & Sikkim may result in penalties being imposed on players, who access the Services from these states.
2. We do not allow registrations/logins from players from these states.
3. We do not accept applications from players from those states for participating in any game or competition available on the Website/App
4. KYC:
  We reserve the right to disable the users/players whose KYC belongs to the above-listed states
Payouts/Withdrawal Policy:

We reserve the right to disable and make full & final settlements for the accounts/keep the pay-outs on hold for the players who have the registered bank accounts from the above-listed states while approving any pay-outs/withdrawals.

IX.Player Responsibilities:
1. You agree, understand, and acknowledge that You must be above 18+ years of age and not from a legally restricted state (Refer to Section “Services Not offered in Locations & Other Applicable Laws”: Point 1. for the list of restricted states.)
2. You are held legally responsible and liable for all Your activities on the Website/App from Your Log-in account (or user ID)
3. By viewing or using the Website/App or availing of any Services including multi-player games, or using communication services including but not limited to chat rooms, email services, or any other real-time or non-instant messaging facility provided by the Website/App
4. Players acknowledge that they may be exposed to content posted by other users that they may find offensive, objectionable, or indecent and that N Rummy may not be able to prevent such content from being posted
5. Players are requested to bring such content posted by other users to Our notice that they may find offensive, objectionable or indecent. N Rummy shall remove or act upon such information in the manner as provided in paragraph I(8) above or as it may deem fit.
6. The decision taken by NRummy in this regard shall be final and binding on the Player and the Player specifically agrees that N Rummy will not incur any liability under any circumstance whatsoever regarding the same
7. N Rummy respects your privacy and assures you that any information provided by you is protected and is dealt with utmost confidentiality. You understand and agree that we do not take any responsibility and will not be liable for any consequence that might arise as a result of You sharing Your personal information or any other information through our communication services including but not limited to game chat, email services, or any other real-time or non-instant messaging facility provided by the Website/App
8. You understand that it is Your responsibility to protect the information You provide on the Website/App including but not limited to usernames, passwords, email addresses, contact details, and telephone numbers. You specifically understand and agree that We will not incur any liability for information provided by You to anyone which may result in Your account on the Website/App being exposed or misused by any other person or any other harm or loss being suffered by You
9. You are liable to comply with any applicable law while taking part in any competition or tournament organized through the Website/App. You undertake and agree to indemnify Us against any claims, expenses, or liabilities suffered by or claimed against us by any person or entity arising out of Your non-compliance with any applicable laws.
10. You also understand and accept that your mere participation in a game/tournament available on the Website/App does not create any obligation on us to give You a prize
11. Your winnings are entirely dependent on Your skill as a player vis-a-vis other players in the game/tournament and subject to the rules of the game/tournament
12. You acknowledge that Your participation in any game/tournament available on the Website/App is purely voluntary and is at Your sole discretion and risk
13. You understand and acknowledge that once a game/tournament has commenced, You’re not being able to play due to slow internet connections, faulty hardware or for any other reason not attributable to Us does not entitle You to a refund of the entry fee You may have paid for participation.
14. You agree, understand, and acknowledge that You will use Your account with Us solely for the purpose of playing on the Website/App and for any other transactions with Us which You may have to carry out with respect to Your usage of the Services.
15. Use or attempted use of Your account with Us for any reason other than as stated above will result in immediate termination of Your account and forfeiture of any prize, bonus, or balance accrued to you or in Your account. Additionally, We reserve the right to bar You from future registration or participation on the Website/App
16. You understand and acknowledge the fact that We are neither a bank nor a financial institution and that the purchases/balance standing to the credit in Your account do not accumulate any interest. You also understand and agree that Your account maintained with Us is purely for the purpose of payment of the entry/subscription fee to participate in games/tournaments made available on the Website/App
17. You understand and agree that You cannot transfer any sum from Your account with Us to the account of another subscriber/player/registrant on the Website/App.
18. You understand that the Internet may be an unreliable medium and it is possible that You may not be able to play on the Website/App due to technical reasons. You acknowledge and agree that N Rummy is not liable for any downtime, server disruptions, lagging, or any technical disturbance during your usage of the Services.
19. You further understand, acknowledge, and agree to the fact that if You are unable to play in any paid tournament after payment of entry/subscription fee or if a game or tournament is unable to be completed due to any error or omission attributable to N Rummy, your remedy is limited either to:
  1. A refund of the amount of subscription/entry fee, which You actually paid for participation; or
  2. Free participation in a like-value tournament as decided by N Rummy
20. You understand and agree that if a game or tournament is unable to be completed for any reason other than a reason attributable to N Rummy's error or omission, N Rummy shall not be liable for any claim that You may have for potential prizes
21. You acknowledge that You are making use of the Services with the knowledge that You face a risk of monetary loss when using the Services and that N Rummy shall have no responsibility to You for any such loss that arises in the course of your participation in the Services
22. You agree that under no circumstances shall N Rummy be liable to pay you any amount over and above the subscription/entry fee.
23. You understand that N Rummy does not entertain any refund or cancellation for any subscription fee, service fee or deposit made
24. You agree to comply with our Privacy Policy, guidelines and statements as may be applicable from time to time, which are incorporated into these Terms.
X.RESPONSIBLE GAMING:
1. N Rummy provides its players with a responsible gaming environment. Not only it is our mission to provide our players with the most entertaining Rummy experience, but it is also our duty to help prevent compulsive usage as this platform is meant for entertainment only.
2. Our players’ well-being is of utmost importance to us, and we request all our players to follow the best practices listed below to play responsibly.
3. You acknowledge & understand,
  1. Age Above 18 years: Players must be above 18+ years of age to play skill games.
  2. Element of Financial Risk: This game involves an element of financial risk and may be addictive. Please play responsibly and at your own risk.
  3. Entertainment Gaming Platform: Play online rummy for entertainment but not as an income source.
  4. Stick to Deposit Limits: Set aside a monthly/weekly limit on the entertainment budget. Keep a track of the money spent and spend only the entertainment budget for playing online rummy.
  5. Frequent Withdrawals: Please make sure to place withdrawals frequently.
  6. Track Time: Please keep a track of the time being spent on the platform in order to adequately balance it with the time spent on other leisure activities.
  7. Prioritize What’s Important: Never prioritize playing online rummy over other important activities that impact daily life. We never encourage our players to consider gameplay as a profession.
  8. Take a Break: Practice taking regular breaks, especially when losing multiple games. Remember winning and losing are a part of the game.
  9. Stop: Never play to recover or chase losses
4. How N Rummy practices RESPONSIBLE GAMING?
5. N Rummy has a dedicated “Responsible Gaming Team” (RG TEAM) to take care of our players and to ensure all our players are playing responsibly.
6. Our team consists of well-trained executives who identify responsible gaming issues & safeguard user experience while helping players to have fun playing at N Rummy.
7. Mentioned below is the list of measures taken to ensure the safety of our players.
  1. Limiting Deposits: There is an option to set daily and monthly playing limits.
    Players who are willing to have limits on their accounts can drop in an email to the RG team at support@nikatby.com & our team will help out to play responsibly.
  2. Guidance: Our team also identifieswho have issues following responsible gaming frequently and guides them accordingly
  3. Restricted States: We adhere to the rules and regulations as set by the government; therefore, players who are a resident of Telangana, Andhra Pradesh, Arunachal Pradesh, Assam, Odisha, Nagaland & Sikkim, cannot play on our tables.
  4. Self-Exclusion: With the Self-Exclusion feature, players can temporarily restrict themselves from online gaming.
    a. During the Self-Exclusion period, players will not be able to add cash, play games, or log in at the N Rummy platform
    b. Once confirmed, the ‘Self-Exclusion’ is irreversible for the requested period.
  5. Account Suspension: In exceptional cases, accounts are suspended in case a player is continuously failing to stick to responsible gaming policy. Such accounts can be opened only after a cool-off period of 7 to 30 days
XI.Restrictions on players:
1. You shall not Yourself or through a third person or through any automated program commit any act, implied or express, which violates any intellectual property right including copyright and trademark rights in any Content. You may not reproduce any of the Content on the Website/App without obtaining specific written permission from Us. You shall not post, distribute, or otherwise make available or transmit any data, text, message, computer file, or other material that infringes and/or violates any right of a third party or any domestic or international law, rule, or regulation, including but not limited to: (a) copyright, patent, trademark, or other proprietary rights; (b) right of privacy (specifically, You must not distribute another person's personal information of any kind without their express permission) or publicity; (c) any confidentiality obligation.
2. You shall not frame the Website/App. You shall not impose editorial comments, commercial material, unsolicited information or emails or any information on the Website/App or alter or modify Content on the Website/App, or remove, obliterate or obstruct any proprietary notices or labels.
3. You shall not use the Content on the Website/App for commercial purposes including but not limited to use as or in a cyber cafe, computer gaming centre, network play over the Internet or through gaming networks or connection to an unauthorized server that copies the gaming experience of the Website/App.
4. You shall not advertise or sell any products, services or otherwise(whether or not for profit) or solicit others or use the forum of the Website/App for commercial purposes of any kind.
5. You agree that You will not post or transmit through chat/community rooms or in any manner on the Website any defamatory, threatening, obscene, harmful or pornographic material or material which would violate or infringe in any way upon the rights of others (including intellectual property rights, rights of confidentiality, or rights of privacy) or cause offense, distress or inconvenience or which do not comply with all relevant laws.You agree that You will not post or transmit through chat/community rooms or in any manner on the Website/App any defamatory, threatening, obscene, harmful, or pornographic material or material which would violate or infringe in any way upon the rights of others (including intellectual property rights, rights of confidentiality, or rights of privacy) or cause offense, distress or inconvenience or which do not comply with all relevant laws.
6. You will not upload, distribute, or publish through the Website/App, content which may contain viruses or computer contaminants (as defined in the Information Technology Act, 2000 in force in India and as may be amended from time to time) which may interrupt, destroy, or limit the functionality or disrupt any software, hardware, or other equipment belonging to Us or that aids in providing the services offered by N Rummy.
7. You shall not, through any service or facility including any instant or non - instant messaging facility provided by the Website/App, promote the Services of any third-party including website/Apps which may be providing Services similar to N Rummy.
8. You shall not intentionally disrupt other users or discussions by repeatedly posting the same message or through excessive posts
9. You may not impersonate another person or user, attempt to get a password, other account information, or other private information from a user, or harvest email addresses or other information. In the event We have reasonable grounds to believe that Your actions include any of the acts specified above, We may initiate appropriate legal proceedings against You as well as notify the relevant regulatory or law enforcement authorities where appropriate, apart from suspending or terminating Your privileges for the use of the Website/App
10. You may not host, intercept, emulate or redirect proprietary communication protocols, if any, used by the Website/App regardless of the method used, including protocol emulation, reverse engineering, modifying the Website/App or any files that are part of the Website/App
11. You may not add unauthorized components, create, or use cheats, exploits, bots, hacks or any other third-party software designed to modify the Website/App or use any third-party software that intercepts, mines or otherwise collects information from or through the Website/App or through any Services. You may not upload or post any content on the Website/App other than content that you are required to post or upload in order to avail of the Services
12. You may not purchase, sell, trade, rent, lease, license, grant a security interest in, or transfer Your user account, any Content, currency, points, standings, rankings, ratings, or any other attributes appearing in, originating from or associated with the Website/App or by using any Services
  NOTE: In addition to the right to initiate appropriate legal proceedings against You as well as notify the relevant regulatory or law enforcement authorities, We reserve the right to remove and delete any objectionable material and content from the Website/App
13. You agree that formation of teams and collusion between You and any other user(s) for participating in games/tournaments organized on the Website/App is expressly forbidden and will result in us cancelling the relevant accounts and debarring access to the Services for all users, who are members of such teams or have taken part in such collusion. By accepting the Terms, you agree that You will not play the games in collaboration with other players, or by communicating with other players which may give undue benefit to You or other players. In case You are found to be involved in such activities, we reserve the right to withhold all the funds in Your account and make investigations to ascertain the extent of undue benefit derived by You and such others and to cancel and close Your account without any communication to You.
14. N Rummy reserves the right to bar You from using the Website/App if We have reasonable ground to believe that You have provided access to Your account to someone other than Yourself or that You have created an account for the purpose of allowing someone other than Yourself to play on the Website/App using the account created.
XII.PLAYER REPRESENTATIONS:
1. Players are required to undertake that they will not allow any other person to play from their accounts or using their username and password
2. Players are expected to understand and agree that they are solely responsible for all content posted, transmitted, uploaded, or otherwise made available on the Website/App by them
3. Each Player specifically agrees to indemnify, save and hold harmless and defend Us (to the extent of all benefits and awards, cost of litigation, disbursements, and reasonable attorney's fees that We may incur in connection therewith including any direct, indirect or consequential losses, any loss of profit and loss of reputation) from any claims, actions, suits, taxes, damages, injuries, causes of action, penalties, interest, demands, expenses, and/or awards asserted or brought against Us by any person claiming infringement of their intellectual property rights by that Player
4. By submitting content to the Website/App, each Player agrees 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, publicly display, and publicly perform such Content (other than names, contact information and passwords of Players) and to use such Content in any related marketing materials produced by Us or Our affiliates"
5. Players understand that they do not obtain any rights, legal or equitable, in any material incorporating the Content
6. Each Player declares that he/she shall not assert any moral rights in the Content at a later date
7. Each Player acknowledges that N Rummy shall not be responsible for the telecommunications networks and internet access services required for access to and use of the Service.
8. Players are responsible for any applicable taxes which may be payable on winnings paid to the Players after deduction of TDS as may be applicable.
XIII.Account Closing / Suspension / Termination:
1. You are free to discontinue Your use of the Website/App at any time by intimating Us of Your desire to do so by an email sent to Us at "support@nikatby.com" If at that time, there is a positive balance in Your cash account, We will pay you the balance by a cheque or through any other means including electronic means as may be determined by Us in a timely manner. Further, we reserve the right to collect fees, surcharges or costs incurred before You cancel Your account or a particular subscription.
2. We may discontinue Your registration with the Website/App, suspend or terminate Your access to the Services at Our sole discretion at any time without giving You prior notice, in the event that We have reasonable grounds to believe that You are in breach of any of the Terms specified herein.
3. You agree that, subject to applicable law, You may be liable to forfeit any money lying in Your account with Us in the event of any breach of these Terms. Without prejudice to the aforementioned facts, we may also initiate appropriate proceedings against You in accordance with applicable laws.
4. N Rummy reserves the right to bar You from using the Website/App if We have reasonable ground to believe that You have provided access to Your account to someone other than Yourself or that You have created an account for the purpose of allowing someone other than Yourself to play on the Website/App using the account created.
5. NRummy reserve the right to bar You from using the Website/App, if We have reasonable ground to believe that You may have intentionally impersonated another individual by providing details which are not Your own while registering on the Website/App. We further reserve the right to initiate civil and/or criminal proceedings against You for such impersonation and misuse of another individual's personal or financial information on Our Website/App by You.
6. NRummy reserves the right to suspend and/or terminate Your account or access to money in it for a number of reasons which N Rummy may deem fit, including but not limited to the following:
  1. Where We have reasons to believe that the security of Your account has been breached; or
  2. Your account is being used for any unlawful activity or fraudulent purpose (including money laundering); or
  3. if there have been charge-backs on Your account; or
  4. if We have reason to believe You are involved in collusion or cheating of any kind; or
  5. Engaging in unfair play with white-label partner sites through one or multiple accounts. Or
  6. You are under 18 years of age; or
  7. You are in a jurisdiction that renders the provision of Our Services to You or Your use of them illegal
7. If You provide information which is not truthful to the best of Your knowledge, incorrect information or conceal relevant information regarding Your address/residence, thus violating the Terms, or in case We have reasonable grounds to believe that You have provided incorrect information and are playing from locations where playing tournaments as available on the Website/App is not permitted, We reserve the right to immediately and without further notice to You, terminate Your account with Us and remit the entire balance in Your account back to You after deduction of applicable processing charges.
8. Fraudulent activity shall include:
  1. using credit card(s), debit cards, net-banking usernames, passwords, authorization codes, prepaid cash cards, mobile phones not belonging to You or without permission of the owner of the above-mentioned instruments to make payments,
  2. impersonating another person; or
  3. accessing another User's account without authorization.
9. In case of termination of Your account due to Your breach of these Terms, we may retain the balance in Your account if entitled to do so till the end of the due legal process for mitigation of the fraud. This will be without prejudice to other statutory proceedings, We may initiate in accordance with the appropriate law currently in force in India.
  Note: We will try and complete any investigations and deal with the cause of any suspension as soon as practicable in the context of any legal or regulatory obligations that We may have but until that is done, We may continue the suspension or opt to close the account at Our sole discretion. We can also put a suspension in place or close Your account at any time (as We may determine at Our discretion).
10. The decision of NRummy Ii final and binding in case of any disputes.
XIV.Modifications and Alterations:
1. N Rummy reserves the right to alter or modify these Terms at any given time without giving prior notice to You. It is advisable to regularly look at these terms. Your use of the Website and/or any Services offered constitutes Your unconditional acceptance of these Terms
2. N Rummy reserves the right to suspend, add, modify, or discontinue any or all Services available on the Website/App at Our sole discretion at any time without giving You prior notice
3. In such an event, you agree and acknowledge that We will not incur any liability in this regard, either to You or any third party