Laxmi Ludo | Khelo Dil se, Jeeto Dimag se

Terms & conditions

1. The Terms

1.1. These Terms and Conditions is a legally binding document and is an electronic record in the form of an electronic contract formed under Information Technology Act, 2000 and rules made thereunder. These Terms and Conditions must be read in conjunction with the Terms of Use of the App (hereinafter referred to as “Terms of Use”) and the Privacy Policy of the App (hereinafter referred to as “Privacy Policy”).These Terms of Service (the “Terms”) are a legal and binding agreement between users (“Users”) , in relation to all games and applications made available by Laxmi Ludo (jointly and interchangeably referred to as the “Services”), and any information, text, graphics, video, sound, pictures, and any other materials appearing, sent, uploaded, communicated, transmitted or otherwise made available via the abovementioned Services (jointly referred to as the “Content”).

1.2. By accessing and/or using the Services, Users agree to be bound by these Terms and Laxmi Ludo Privacy Policy, as stated on paragraph 5.

1.3. Users state that they are of legal age (minimum 18 years of age) to access the Services and Content, or if legally possible, to access with their legal guardian consent, due authorization and agreement with these Terms.

1.4. IMPORTANT NOTICE:

THE CONTEST FOR STAKES IS OPEN ONLY TO INDIAN CITIZENS, RESIDING IN INDIA EXCEPT THE RESIDENTS OF THE INDIAN STATES OF ASSAM, ODISHA, NAGALAND, SIKKIM, MEGHALAYA, ANDHRA PRADESH, AND TELANGANA.
Laxmi Ludo DOES NOT OFFER POKER FOR STAKES WITHIN THE TERRITORY OF GUJARAT. THE RESIDENTS OF GUJARAT HOWEVER ARE NOT RESTRICTED FROM PLAYING THE FREE TO PLAY FORMAT OF POKER, OFFERED BY Laxmi Ludo.
Laxmi Ludo DOES NOT OFFER RUMMY FOR STAKES WITHIN THE TERRITORY OF KERALA. THE RESIDENTS OF KERALA HOWEVER ARE NOT RESTRICTED FROM PLAYING THE FREE TO PLAY FORMAT OF RUMMY, OFFERED BY Laxmi Ludo.
CITIZENS AND/OR RESIDENTS OF COUNTRIES OTHER THAN INDIA ARE NOT ELIGIBLE TO PARTICIPATE IN THE CONTEST.
CASUAL GAMING IS ALLOWED ACROSS ALL STATES; THE GAME IS PERMITTED TO BE PLAYED FOR STAKES IN THE STATES WHICH DO NOT RESTRICT, PROHIBIT THE SAME, AS HIGHLIGHTED IN THESE TERMS.
IF YOU ARE RESIDING AND/OR ACCESSING THE APP FROM ANY REGION/STATE/COUNTRY WHERE THE CONTEST FOR STAKES IS PROHIBITED OR RESTRICTED BY LAW OR OTHER REASONS, THEN YOU ARE PROHIBITED FROM REGISTERING AND PARTICIPATING IN THE SAID CONTEST. YOU ARE RESPONSIBLE FOR COMPLIANCE OF ANY LAWS THAT ARE APPLICABLE ON YOUR COUNTRY/DOMICILE/STATE/RESIDENCE. IN CASE YOU PARTICIPATE IN THE CONTEST BY MISREPRESENTATION, THEN Laxmi Ludo SHALL IN ITS SOLE DISCRETION HAVE THE RIGHT TO DISQUALIFY YOU AT ANY STAGE OF THE PROCESS, FORFEIT ANY PRIZE (AS DEFINED BELOW) AND TAKE LEGAL ACTION AGAINST YOU.
IF YOU ARE FOUND OR SUSPECTED TO BE DEFRAUDING THE SYSTEMS OF THE CONTEST IN ANY MANNER THEN YOU SHALL BE DEBARRED FROM PARTICIPATING IN THE CONTEST AND Laxmi Ludo MAY TAKE LEGAL ACTION AGAINST YOU.
EMPLOYEES OF Laxmi Ludo, ITS RESPECTIVE HOLDING, SUBSIDIARIES, ASSOCIATE COMPANIES AND THIRD-PARTY SERVICE PROVIDERS WHO HAVE BEEN ENGAGED BY Laxmi Ludo FOR THE DEVELOPMENT, PROMOTION, ADMINISTRATION OR EXECUTION OF THE CONTEST, AND THEIR FAMILY/HOUSEHOLD MEMBERS ARE NOT ELIGIBLE TO PARTICIPATE IN THE CONTEST.
IN CASE OF ANY DISPUTE REGARDING THE APP OR THE CONTEST, Laxmi Ludo’S DECISION SHALL BE FINAL AND BINDING.
Laxmi Ludo RESERVES THE RIGHT TO CHANGE OR MODIFY THIS TERMS AND CONDITIONS FROM TIME TO TIME, PROSPECTIVELY OR RETROSPECTIVELY, AT ITS SOLE DISCRETION AND WITHOUT ANY PRIOR INTIMATION TO YOU. YOU ARE REQUESTED TO CAREFULLY READ THESE TERMS AND CONDITIONS FROM TIME TO TIME BEFORE USING THE APP OR PARTICIPATING IN CONTEST. IT SHALL BE YOUR RESPONSIBILITY TO CHECK THESE TERMS AND CONDITIONS PERIODICALLY FOR CHANGES. Laxmi Ludo MAY REQUIRE YOU TO PROVIDE YOUR DIRECT OR INDIRECT CONSENT TO ANY UPDATE IN A SPECIFIED MANNER BEFORE FURTHER USE OF APP OR PARTICIPATION IN THE CONTEST. IF NO SUCH SEPARATE CONSENT IS SOUGHT, YOUR CONTINUED USE OF APP OR PARTICIPATION IN THE CONTEST, FOLLOWING SUCH CHANGES, WILL CONSTITUTE YOUR ACCEPTANCE OF THOSE CHANGES.
Laxmi Ludo RESERVES THE RIGHT TO WITHDRAW OR DISCONTINUE OR TERMINATE THE CONTEST AT ANY STAGE WITHOUT PRIOR NOTICE AND WITHOUT ANY LIABILITY WHATSOEVER TO YOU.
THE CONTEST IS VOID WHERE PROHIBITED BY LAW.
IN ANY CONTEST, INCASE OF A DRAW/TIE, THE FINAL DECISION WOULD BE OF THE COMPANY. THERE WOULD BE NO REFUNDS IN ANY SITUATION.

2. The Services

2.1. Laxmi Ludo gives Users in compliance with these Terms a personal, royalty-free, non-assignable, non-exclusive and revocable limited license to use the software that is provided as part of the Services. This license is for the sole purpose of enabling the own personal private use from Users to enjoy the Services as provided by Laxmi Ludo, in the manner according with by these Terms. The Services may change or being modified from time to time without prior notice or communication. Furthermore Laxmi Ludo may, at its own discretion, cease totally or partially, and/or permanently or temporarily the provision of the Services or Users accounts without prior notice or communication.

2.2. The Services may include advertisements, which may be targeted to the Content or information on the Services, queries made through the Services, or any other information. The types and extent of advertising by Laxmi Ludo on the Services are subject to change. In consideration for Laxmi Ludo granting you access to and use of the Services, you agree that Laxmi Ludo and its third party providers and partners may place such advertising on the Services or in connection with the display of Content or information from the Services whether submitted by you or others.

2.3. When access games included in the Services, the specific rules, scoring, controls and guidelines for each game can be found within the game itself. Such rules are integral part of the Terms, which Users shall agree and comply.

2.4. Any charges related to Users for accessing the Services, including but not limited to internet connection and/or mobile or data charges are full responsibility of such Users.

3. Content

3.1. Subject to your compliance with these Terms, Laxmi Ludo grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and view the Content solely in connection with your permitted use of the Services and solely for your personal and non-commercial purposes.

The Content available through the Services has not been verified or authenticated by us, and may include inaccuracies or false information. We make no representations, warranties, or guarantees in connection with our Services or any Content on the Services, relating to the quality, suitability, truth, accuracy or completeness of any content contained in the Services. You acknowledge sole responsibility for and assume all risk arising from your use or reliance of any Content.

4. Users accounts

4.1. Users are responsible for safeguarding the password that use to access the Services. Laxmi Ludo encourage Users to use strong passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with the accounts. Laxmi Ludo cannot and will not be liable for any loss or damage arising from Users failure to comply with the above.

4.2. Users agree to take all steps necessary to protect log in details and keep them secret, and not give login details to anyone else or allow anyone else to use their login details or account, including log in details and account for any social network or platform that Users may allow the Services to interact with. Laxmi Ludo shall not have any responsibility for the consequences of failure by Users to these provisions, and agree to fully compensate Laxmi Ludo for any losses or harm that may result. Furthermore, Laxmi Ludo shall not be responsible for any loss that Users may suffer as a result of an unauthorized access to their accounts and/or use of the Services, and Laxmi Ludo accepts no responsibility for any losses or harm resulting from this unauthorized use, whether fraudulently or otherwise.

5. Contests, Deals, Levels and In App purchases

Laxmi Ludo may conduct promotions, including, without limitation, contests, consolation prizes, Level redemptions. Laxmi Ludo is not involved in any way with the contest. Each promotion may have additional Terms and rules, which will be posted or otherwise made available to you, and for purposes of each Promotion, will be deemed incorporated into and form a part of this agreement.

5.1. Pricing of, Purchasing and Availability of Levels. Laxmi Ludo rewards its users certain Levels as per the company’s discretion and a proprietary algorithm that factors in multiple variables viz. number of quizzes played, number of quizzes correctly answered, etc. Laxmi Ludo Levels has no monetary value and does not constitute currency or property of any type. The number of Levels earned and shown in your Account does not constitute a real-world balance or reflect any stored value, but rather measures the extent of your limited license to use the Applications alongside exercising few options such as redemption of Levels for certain prizes, ability to participate in certain games upon reaching a minimum Level requirement. Laxmi Ludo´s Levels cannot be sold or transferred; however, it can be redeemed for certain special deals by making a nominal payment, if applicable, against those deals. Laxmi Ludo reserves the right to withdraw the deal anytime during the tenure of the services without prior intimation. You acknowledge that you are not entitled to a refund for any unused Levels or unused Virtual Items when Laxmi Ludo stops making an Application available, whether such action is taken at Laxmi Ludo´s discretion or due to unforeseen events.

5.2. The price payable by you is the price, if applicable, indicated in the Application itself. When you purchase a license to use our Services, or purchase a subscription to use an Application, you agree to pay taxes, levies and any other Statutory/Govt. dues by whatever name called, where applicable, that we or our agent assesses on your purchase. We reserve the right to change the price and specifications shown in relation to any Application, any subscription, Levels, deals and Items etc. We do not offer any returns or cancellations of purchases unless the user satisfies any minimum performance criteria that’s decided by Laxmi Ludo and mentioned on the App.

5.3. As for any competition or deal that’s placed in the Application, Laxmi Ludo reserves complete rights for the following –

-Decision pertaining to competition format and content
-Decision pertaining to the prizing structure viz. Main prize, Consolation prize
-Decision pertaining to criteria of selection of winners
-Decision pertaining to disbursal of prizes, gifts and deal redemptions

Laxmi Ludo holds no liabilities against any form of aberration w.r.t. quality of the product, logistics & handling procedures, any other unforeseen cost or unfavorable constraint that surfaces during the process of user claiming its prizes.

5.4. Usage of Laxmi Ludo

Any person ("User") accessing Laxmi Ludo or the Laxmi Ludo App ('Laxmi Ludo platform') for participating in the various contests and games, available on Laxmi Ludo platform ("Contest(s)", “Tournament") ('Laxmi Ludo Services') shall be bound by these Terms and Conditions, and all other rules, regulations and terms of use referred to herein or provided by Laxmi Ludo in relation to any Laxmi Ludo Services.
Laxmi Ludo shall be entitled to modify these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Laxmi Ludo in relation to any Laxmi Ludo Services, at any time, by posting the same on Laxmi Ludo. Use of Laxmi Ludo constitutes the User's acceptance of such Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Laxmi Ludo in relation to any Laxmi Ludo Services, as may be amended from time to time. Laxmi Ludo may, at its sole discretion, also notify the User of any change or modification in these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Laxmi Ludo, by way of sending an email to the User's registered email address or posting notifications in the User accounts. The User may then exercise the options provided in such an email or notification to indicate non-acceptance of the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Laxmi Ludo. If such options are not exercised by the User within the time frame prescribed in the email or notification, the User will be deemed to have accepted the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Laxmi Ludo.
Certain Laxmi Ludo Services being provided on Laxmi Ludo may be subject to additional rules and regulations set down in that respect. To the extent that these Terms and Conditions are inconsistent with the additional conditions set down, the additional conditions shall prevail.
Laxmi Ludo may, at its sole and absolute discretion:

Restrict, suspend, or terminate any User's access to all or any part of Laxmi Ludo or Laxmi Ludo Platform Services;
Change, suspend, or discontinue all or any part of the Laxmi Ludo Platform Services;
Reject, move, or remove any material that may be submitted by a User;
Move or remove any content that is available on Laxmi Ludo Platform;
Deactivate or delete a User's account and all related information and files on the account;
Establish general practices and limits concerning use of Laxmi Ludo Platform;
Assign its rights and liabilities to all User accounts hereunder to any entity (post such assignment intimation of such assignment shall be sent to all Users to their registered email ids)

In the event any User breaches, or Laxmi Ludo reasonably believes that such User has breached these Terms and Conditions, or has illegally or improperly used Laxmi Ludo or the Laxmi Ludo Services, Laxmi Ludo may, at its sole and absolute discretion, and without any notice to the User, restrict, suspend or terminate such User's access to all or any part of Laxmi Ludo Contests or the Laxmi Ludo Platform, deactivate or delete the User's account and all related information on the account, delete any content posted by the User on Laxmi Ludo and further, take technical and legal steps as it deems necessary.
If Laxmi Ludo charges its Users a platform fee in respect of any Laxmi Ludo Services, Laxmi Ludo shall, without delay, repay such platform fee in the event of suspension or removal of the User's account or Laxmi Ludo Services on account of any negligence or deficiency on the part of Laxmi Ludo, but not if such suspension or removal is affected due to:

any breach or inadequate performance by the User of any of these Terms and Conditions; or
any circumstances beyond the reasonable control of Laxmi Ludo.

Users consent to receiving communications such as announcements, administrative messages and advertisements from Laxmi Ludo or any of its partners, licensors or associates

5.5. Third Party Sites, Services and Products

Laxmi Ludo may contain links to other Internet sites owned and operated by third parties. Users' use of each of those sites is subject to the conditions, if any, posted by the sites. Laxmi Ludo does not exercise control over any Internet sites apart from Laxmi Ludo and cannot be held responsible for any content residing in any third-party Internet site. Laxmi Ludo's inclusion of third-party content or links to third-party Internet sites is not an endorsement by Laxmi Ludo of such third-party Internet site.
Users' correspondence, transactions/offers or related activities with third parties, including payment providers and verification service providers, are solely between the User and that third party. Users' correspondence, transactions and usage of the services/offers of such third party shall be subject to the terms and conditions, policies and other service terms adopted/implemented by such third party, and the User shall be solely responsible for reviewing the same prior to transacting or availing of the services/offers of such third party. User agrees that Laxmi Ludo will not be responsible or liable for any loss or damage of any sort incurred as a result of any such transactions/offers with third parties. Any questions, complaints, or claims related to any third-party product or service should be directed to the appropriate vendor.
Laxmi Ludo contains content that is created by Laxmi Ludo as well as content provided by third parties. Laxmi Ludo does not guarantee the accuracy, integrity, quality of the content provided by third parties and such content may not relied upon by the Users in utilizing the Laxmi Ludo Services provided on Laxmi Ludo including while participating in any of the contests hosted on Laxmi Ludo.
Laxmi Ludo has certain links embedded to third party services including but not limited to YouTube. Your interaction with such third party platform/s are governed by their policies, and we urge you to review their policies before you proceed with availing such services via the offerings of Laxmi Ludo. The YouTube terms are available at https://www.youtube.com/t/terms; and the Google Privacy Policy is available at https://policies.google.com/privacy?hl=en-US. Also, to control your interaction with Google account or their services allows you to control your rights and activities, and may be accessed at https://myaccount.google.com/permissions?pli=1.

6. Privacy Policy

6.1. Any information that Users provide to Laxmi Ludo is subject to the Privacy Policy, which governs the collection and use of the information. Users understand that through their use of the Services, they consent to the collection, use, and transfer of such information, as set forth in the Privacy Policy, which forms an integral part of these Terms.

6.2. Laxmi Ludo will only collect, process, use and share Users information in accordance with the Privacy Policy and as set out in these Terms. By using the Services, Users give their consent to collecting, processing, using and sharing with third parties their personal data in such way. Users who do not agree to Privacy Policy should not access and/or use the Services. Any personal information that may be collected may also be subject to the policy of any social network that Users may linked the Services to.

6.3. Users acknowledge and accept that they are subject to receive occasional communications, such as service announcements and administrative messages.

7. Intellectual Property

7.1. Users acknowledge that all copyright, trademarks, and other intellectual property rights in and relating to the Services, is owned by or licensed to Laxmi Ludo. By submitting Content on or through the Services, Users grant Laxmi Ludo a worldwide, non-exclusive, royalty-free license -with the right to sublicense- to use, copy, reproduce, process, adapt, modify, publish, transmit, display, distribute and make derivative works of such Content in any and all media or distribution methods now known or later developed.

7.2. Users must not copy, distribute, make available to the public or create any derivative work from any Content belonging to Laxmi Ludo and/or any other User. Laxmi Ludo respects the intellectual property rights of others and expects Users to do the same. If Users or any third party believe that their Content has been copied in a way that constitutes copyright infringement, they shall provide Laxmi Ludo with the following information: (i) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the location of the material; (iv) contact information, including address, telephone number, and an email address; (v) a statement that such User or third party have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and, under penalty of perjury, that such User or third party is authorized to act on behalf of the copyright owner.

7.3. Laxmi Ludo reserves the right to remove Content alleged to be infringing without prior notice, at its sole discretion, and without any liability.

8. Breach

8.1. Laxmi Ludo reserves the right at all times to remove or refuse to include, distribute and/or display any Content on the Services, to suspend or terminate Users, and to reclaim usernames and/or any channel name without any liability. Laxmi Ludo also reserves the right to access, read, preserve, and disclose any information as it reasonably believed is necessary to satisfy any applicable law, regulation, legal process or governmental request, enforce the Terms, including investigation of potential violations hereof, detect, prevent, or otherwise address fraud, security or technical issues, or to protect its rights, property or safety, its Users and third parties.

8.2. Users shall not do any of the following while accessing or using the Services: access, tamper with, or use non-public areas of the Services, Laxmi Ludo’s computer systems, or the technical delivery systems of Laxmi Ludo’s providers; probe, scan, crack, track and/or test the vulnerability of any system or network, or breach or circumvent any security or authentication measures; access or search or attempt to access or search the Services by any means (automated or otherwise) other than through the currently available, published interfaces provided and only pursuant to these Terms, forge any TCP/IP packet header or any part of the header information in any email or posting, or in any way use the Services to send altered, deceptive or false source-identifying information; or interfere with, or disrupt, (or attempt to do so), the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing the Services, or by scripting the creation of Content in such a manner as to interfere with or create an undue burden on the Services. Users shall provide accurate and up to date information when creating their accounts and/or using the Services. Accounts are limited at one per User. The sell or transfer of any account or part of it, Content, items and/or any part of the Services is strictly prohibited.

8.3. Laxmi Ludo reserves the right to suspend or terminate any access to the Services, including by terminating or deleting any accounts and any Content related without any notice or communication, if there is a reasonably belief that such User is in breach of these Terms. In the event of any breach, Users who caused shall compensate Laxmi Ludo for all losses, harm, claims and expenses that may arise.

9. Disclaimers

9.1. All right, title, and interest in and to the Services, according to the provisions set on these Terms, are and will remain the exclusive property of Laxmi Ludo and its licensors. Services are protected by copyright, trademark, and other laws. Nothing in the Terms gives Users any right to use the Laxmi Ludo name or any of the Laxmi Ludo trademarks, logos, domain names, properties and other distinctive brand features.

9.2. These Terms will continue to apply until terminated by either Users or Laxmi Ludo as follows: (i) Users may end this legal agreement with Laxmi Ludo at any time for any reason, by discontinuing the use of the Services and contacting info@laxmiludo.online to delete their account, provided that they will still be responsible for all the conditions set in this Term for the time they used the Services. Accounts may be deactivated and/or deleted due to prolonged inactivity; (ii) Laxmi Ludo may suspend or terminate Users accounts or cease providing with all or part of the Services at any time for any reason, including, but not limited to, if there is a reasonably belief that such Users have violated these Terms or created a risk or possible legal exposure; or if at its own discretion the provision of the Services is no longer commercially and or technically viable.

9.3. Each of the subsections below only applies up to the maximum extent permitted under applicable law. Nothing in this section is intended to limit any rights you may have which may not be lawfully limited.

9.4. The access to and use of the Services or any Content are at Users’ own risk. Users understand and agree that the Services are provided on an "as is" and "as available" basis. Without limiting the foregoing, to the maximum extent permitted under applicable law, Laxmi Ludo disclaims all warranties and conditions, whether express or implied, of merchantability, fitness for a particular purpose or non-infringement.

9.5. Laxmi Ludo makes no warranty and disclaim all responsibility and liability for: (i) the completeness, accuracy, availability, timeliness, security or reliability of the Services or any Content; (ii) any harm to Users’ computer system or mobile device operating system, loss of data, or other harm that results from access to or use of the Services or any Content; (iii) the deletion of, or the failure to store or to transmit, any Content and other communications maintained by the Services; and (iv) whether the Services will meet Users requirements or be available on an uninterrupted, secure, or error-free basis. No advice or information, whether oral or written, obtained from Laxmi Ludo or through the Services, will create any warranty not expressly made herein.

9.6. The Services may contain links to third-party websites or resources. Users acknowledge and agree that Laxmi Ludo is not responsible or liable for: (i) the availability or accuracy of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources. Links to such websites or resources do not imply any endorsement by Laxmi Ludo of such websites or resources or the content, products, or services available from such websites or resources. Users acknowledge sole responsibility for and assume all risk arising from its use of any such websites or resources.

9.7. To the maximum extent permitted by applicable law, Laxmi Ludo shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly or any loss of data, use, good-will, or other intangible losses, resulting from (i) the access to, use of, or inability to access to or use the services; (ii) any conduct or content of any third party on the Services, including without limitation, any defamatory, offensive or illegal conduct of other Users or third parties; (iii) any Content obtained from the Services; or (iv) unauthorized access, use or alteration of Content; or (v) any natural calamities.

9.8. In no event shall the aggregate liability of Laxmi Ludo exceed the total amount that such User has paid to Laxmi Ludo in the six-month period ending on the date of the claim, to a maximum of One Thousand Indian Rupees (INR 1000). The limitations shall apply to any theory of liability whether based on warranty, contract, statute, tort (including negligence) or otherwise, and whether or not Laxmi Ludo has been informed the possibility of any such damage, and even if a remedy set forth herein is found to have failed its essential purpose.

9.9. The failure of Laxmi Ludo to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. In the event that any provision of these Terms is held to be invalid or unenforceable, then that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.

9.10. These terms shall be governed by and construed in accordance with the laws of Nagaland Government as well as Republic of India. All claims, legal proceedings or litigation arising in connection with the Services will be brought solely in the relevant courts located in the city of Delhi/New Delhi – INDIA. Users consent to the jurisdiction of and venue in such courts and waive any objection as to inconvenient forum.

9.11. Laxmi Ludo is a skill-based Gaming Platform i.e... skill game which is clearly defined in the recently passed by an Act of Government of Nagaland under The Nagaland Prohibition of Gambling and Promotion and Regulation of Online Games of Skill Act, 2015 (Act No.3 of 2016) and The Nagaland Prohibition of Gambling and Promotion and Regulation of Online Games of Skill Rules, 2016 in which Skill Game and allow to run/operate of this type of skill games.

As per Section 2(3) of The Nagaland Prohibition of Gambling and Promotion and Regulation of Online Games of Skill Act, the definition of “Games of Skill” is reproduced as under,

“Games of Skill” shall include all such games where there is preponderance of skill over chance, including where the skill relates to strategizing the manner of placing wagers or placing bets or where the skill lies in team selection or selection of virtual stocks based on analyses or where skill relates to the manner in which the moves are made, whether through deployment of physical or mental skill or acumen”.

Explanation: For the purpose of this Act-

-All Games provided in Schedule A of this Act shall fall under the category of “Games of Skill”,
-‘Games’ which have been declared or determined to be ‘games of skill’ by India or International courts or other statutes, or games where there are domestic and international competitions and tournaments, or games which can be determined to be ‘games of skill’ shall further be entitled to be included in Schedule A,
-Games of skill may be (a) Card based and (b) action/virtual sports /adventure/ mystery and (c) calculation/Strategy/quiz based.”

Supreme Court of India in the case of State of Andhra Pradesh v. K Satyanarayana (AIR 1968 SC 825) and KR Lakshmanan v. State of Tamil Nadu (AIR 1996 SC 1153) wherein the word Games of Skill has clearly been stated which is reproduced as under,

“A game of skill, on the other hand- although the element of chance necessarily cannot be eliminated is one in which success depends principally upon the superior knowledge, training attention, experience and adroitness of the player. Golf, chess and even Rummy are considered to be games of skill. The Courts have reasoned that there are few games, if any, which consists purely of chance or skill, and as such games of chance is one in which the element of chance predominates over the element of skill, and a game of skill is one in which the element of skill predominates over the element of chance. It is dominant element – “skill” or “chance” – which determines the character of the game”.

9.12. Laxmi Ludo Skill Games, for stakes may be run all over India except the States of Assam, Odisha, Nagaland, Sikkim, Meghalaya, Andhra Pradesh, AND Telangana and/or any other State which has banned/prohibited or to be prohibited to run/operate of Laxmi Ludo Skill Games. Laxmi Ludo Skill Games, being played for free without the involvement of money/ or any equivalent stakes may be run all over India. In spite of this, if any User run and/or operate the Laxmi Ludo Skill Games, he will be solely responsible for the same.

9.13. Laxmi Ludo's skill-based games are not Gambling, Gaming and Lotteries.

9.14. These Terms, which include the Privacy Policy, are the entire and exclusive agreement between Laxmi Ludo and Users regarding the Services, excluding any services for which Users may have a separate agreement explicitly in addition or in place of these Terms, and these Terms supersede and replace any prior agreements between Laxmi Ludo and Users regarding the Services.

9.15. Laxmi Ludo may revise these Terms from time to time, the most current version will always be on the mobile application. Laxmi Ludo reserves the right, but not the obligation, in its sole discretion, to notify any modification via e-mail to the email associated with Users account. However, by merely continuing to access or use the Services after those revisions become effective, Users agree to be bound by the revised Terms. These Terms were last updated on 6th April, 2021.

10. Tax & TDS Policy

10.1. Any tax/levies/duty etc., as applicable, shall be paid by the user of the game of Laxmi Ludo Games.

10.2. There is no TDS deducted as the winning amounts are up to or less than Rs.10,000/- on Laxmi Ludo Games/Quiz.

10.3. TDS is deducted on winning amounts above Rs.10,000/- on Laxmi Ludo Games/Quiz before releasing the winnings prize/product/amount and/or in whatever name called.

10.4. Based on TDS (tax deducted at source) Rules for any sort of game winning in India, 30% TDS should be deducted on any wining above Rs.10,000/- in a single game.

10.5 The real money added by you on the Laxmi LudoO Platform will be applied towards the rights provided to you, by the Company, to play any game/s. Such amount will be completely non- refundable and non-transferrable and can only and only be utilized towards the playing of games on Laxmi Ludo Platform. The terms & conditions of each game would be displayed, along with the fixed/ variable winnings amount which you may win on participation and successful completion of the terms of the game. Such amounts will be decided by the Company for each game separately. You would be eligible to withdraw only to the extent of your winnings (before that expires) and after submission of relevant documentation to the Company.

10.6. The person responsible for paying shall, before releasing the winnings, collect the TDS amount from the winner.

10.7. Your prize can only be redeemable after TDS deduction , if winning product is above 10,000/- . TDS amount is to be paid to Laxmi Ludo Games as provided by Section 194B read with Section 115BB of the Income Tax Act, 1961.

10.8. The User will have to provide his valid PAN card copy so that Laxmi Ludo Games can file TDS deducted accordingly.

10.9. TDS has to be paid within 24 hours. Kindly give us time period of 15 working days to deliver your prize.

10.10. To claim your winning product, if TDS as applicable by govt. (as per Section 194B read with Section 115BB of the Income Tax Act, 1961) on your winning, winner gets 24 hrs time to pay TDS from the time of winning to claim their prize. If user fails to pay TDS within 24 hrs his/her winning will be considered as expired.

10.11. Laxmi Ludo in the interests of clarity, performs an independent closing balance confirmation at the end of every year from its external wallet service providers (RazorPay, PayTM, Cash Free, etc.). In the event that there exists discrepancy between the accounts of the external wallet service providers and Laxmi Ludo, Laxmi Ludo, in its sole discretion and authority, shall perform reasonable due diligence to ascertain the liability for the differences in the accounts.

11. Questions Integrity

11.1. Laxmi Ludo attempts to keep the database of questions up to date and check that answers registered in the system as the "right" answers are correct. However, if there are questions that have answers that are incorrect according to some sources, then Laxmi Ludo does not hold any responsibility for the outcome of the Challenge.

11.2. User Conduct

Users agree to abide by these Terms and Conditions and all other rules, regulations and terms of use of the Website. In the event User does not abide by these Terms and Conditions and all other rules, regulations and terms of use, Laxmi Ludo may, at its sole and absolute discretion, take necessary remedial action, including but not limited to:

restricting, suspending, or terminating any User's access to all or any part of Laxmi Ludo Services;
deactivating or deleting a User's account and all related information and files on the account. Any amount remaining unused in the User's Game account or Winnings Account on the date of deactivation or deletion shall be transferred to the User's bank account on record with Laxmi Ludo subject to a processing fee (if any) applicable on such transfers as set out herein; or
refraining from awarding any prize(s) to such User

Users agree to provide true, accurate, current and complete information at the time of registration and at all other times (as required by Laxmi Ludo). Users further agree to update and keep updated their registration information.
A User shall not register or operate more than one User account with Laxmi Ludo.
Users agree to ensure that they can receive all communication from Laxmi Ludo by marking e-mails or sending SMSs from Laxmi Ludo as part of their "safe senders" list. Laxmi Ludo shall not be held liable if any e-mail/SMS remains unread by a User as a result of such e-mail getting delivered to the User's junk or spam folder.
Any password issued by Laxmi Ludo to a User may not be revealed to anyone else. Users may not use anyone else's password. Users are responsible for maintaining the confidentiality of their accounts and passwords. Users agree to immediately notify Laxmi Ludo of any unauthorized use of their passwords or accounts or any other breach of security.
Users agree to exit/log-out of their accounts at the end of each session. Laxmi Ludo shall not be responsible for any loss or damage that may result if the User fails to comply with these requirements.
Users agree not to use cheats, exploits, automation, software, bots, hacks or any unauthorised third-party software designed to modify or interfere with Laxmi Ludo Services and/or Laxmi Ludo experience or assist in such activity.
Users agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in, or otherwise transfer any right to the technology or software underlying Laxmi Ludo or Laxmi Ludo’s Services.
Users agree that without Laxmi Ludo's express written consent, they shall not modify or cause to be modified any files or software that are part of Laxmi Ludo's Services.
Users agree not to disrupt, overburden, or aid or assist in the disruption or overburdening of (a) any computer or server used to offer or support Laxmi Ludo or the Laxmi Ludo’s Services (each a "Server"); or (2) the enjoyment of Laxmi Ludo Services by any other User or person.
Users agree not to institute, assist or become involved in any type of attack, including without limitation to distribution of a virus, denial of service, or other attempts to disrupt Laxmi Ludo Services or any other person's use or enjoyment of Laxmi Ludo Services.
Users shall not attempt to gain unauthorized access to the User accounts, Servers or networks connected to Laxmi Ludo Services by any means other than the User interface provided by Laxmi Ludo, including but not limited to, by circumventing or modifying, attempting to circumvent or modify, or encouraging or assisting any other person to circumvent or modify, any security, technology, device, or software that underlies or is part of Laxmi Ludo Services.
Without limiting the foregoing, Users agree not to use Laxmi Ludo for any of the following.

To engage in any obscene, offensive, indecent, racial, communal, anti-national, objectionable, defamatory or abusive action or communication;
To harass, stalk, threaten, or otherwise violate any legal rights of other individuals;
To publish, post, upload, e-mail, distribute, or disseminate (collectively, "Transmit") any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful content;
To Transmit files that contain viruses, corrupted files, or any other similar software or programs that may damage or adversely affect the operation of another person's computer, Laxmi Ludo, any software, hardware, or telecommunications equipment;
To advertise, offer or sell any goods or services for any commercial purpose on Laxmi Ludo without the express written consent of Laxmi Ludo;
To download any file, recompile or disassemble or otherwise affect our products that you know or reasonably should know cannot be legally obtained in such manner;
To falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material;
To restrict or inhibit any other user from using and enjoying any public area within our sites;
To collect or store personal information about other Users;
To interfere with or disrupt Laxmi Ludo, servers, or networks;
To impersonate any person or entity, including, but not limited to, a representative of Laxmi Ludo, or falsely state or otherwise misrepresent User's affiliation with a person or entity;
To forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through Laxmi Ludo or to manipulate User's presence on Laxmi Ludo(s);
To publish information that threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;
To publish information that is an invasion of another’s privacy, their bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
To take any action that imposes an unreasonably or disproportionately large load on our infrastructure;
To engage in any illegal activities. You agree to use our bulletin board services, chat areas, news groups, forums, communities and/or message or communication facilities (collectively, the "Forums") only to send and receive messages and material that are proper and related to that particular Forum.

If a User chooses a username that, in Laxmi Ludo's considered opinion is obscene, indecent, abusive or that might subject Laxmi Ludo to public disparagement or scorn, Laxmi Ludo reserves the right, without prior notice to the User, to change such username and intimate the User or delete such username and posts from Laxmi Ludo, deny such User access to Laxmi Ludo, or any combination of these options.
Unauthorized access to Laxmi Ludo is a breach of these Terms and Conditions, and a violation of the law. Users agree not to access Laxmi Ludo by any means other than through the interface that is provided by Laxmi Ludo for use in accessing Laxmi Ludo. Users agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of our sites, except those automated means that we have approved in advance and in writing.
Users acknowledge and accept that they are subject to receive occasional communications, in relation to their obligation to comply with the Terms and Conditions, rules and regulations, Privacy Policy or any other user document to access the Services and Platform offered by Laxmi Ludo. In the event of non-compliance, Laxmi Ludo reserves the right to terminate the User’s access or usage rights to the Services and Platform offered by Laxmi Ludo.
Use of Laxmi Ludo is subject to existing laws and legal processes. Nothing contained in these Terms and Conditions shall limit Laxmi Ludo's right to comply with governmental, court, and law-enforcement requests or requirements relating to Users' use of Laxmi Ludo.
Users may reach out to Laxmi Ludo through -

Helpdesk if the user has any concerns with regard to a match and/or contest within Forty-Eight (48) hours of winner declaration for the concerned contest.

Persons below the age of eighteen (18) years are not allowed to participate on any of the contests, games (by whatever name called) on the Laxmi Ludo Platform. The Users will have to disclose their real age at the time of getting access into the Laxmi Ludo Platform.
Laxmi Ludo may not be held responsible for any content contributed by Users on the Laxmi Ludo.

11.3. Conditions of Participation

By entering a Contest, user agrees to be bound by these Terms and the decisions of Laxmi Ludo. Subject to the terms and conditions stipulated herein below, the Company, at its sole discretion, may disqualify any user from a Contest, refuse to award benefits or prizes and require the return of any prizes, if the user engages in unfair conduct, which the Company deems to be improper, unfair or otherwise adverse to the operation of the Contest or is in any way detrimental to other Users which includes, but is not limited to:

Falsifying ones’ own personal information (including, but not limited to, name, email address, bank account details and/or any other information or documentation as may be requested by Laxmi Ludo to enter a contest and/or claim a prize/winning.
Engaging in any type of financial fraud or misrepresentation including unauthorized use of credit/debit instruments, payment wallet accounts etc. to enter a Contest or claim a prize. It is expressly clarified that the onus to prove otherwise shall solely lie on the user.
Colluding with any other user(s) or engaging in any type of syndicate play;
Any violation of Contest rules or the Terms of Use;
Accumulating points or prizes through unauthorized methods such as automated bots, or other automated means;
Using automated means (including but not limited to harvesting bots, robots, parser, spiders or screen scrapers) to obtain, collect or access any information on the Website or of any User for any purpose
Any type of Cash Bonus misuse, misuse of the Invite Friends program, or misuse of any other offers or promotions;
Tampering with the administration of a Contest or trying to in any way tamper with the computer programs or any security measure associated with a Contest;
Obtaining other users’ information without their express consent and/or knowledge and/or spamming other users (Spamming may include but shall not be limited to send unsolicited emails to users, sending bulk emails to Laxmi Ludo Users, sending unwarranted email content either to selected Users or in bulk); or
Abusing the Website in any way (‘unparliamentary language, slangs or disrespectful words’ are some of the examples of Abuse)

It is clarified that in case a User is found to be in violation of this policy, Laxmi Ludo reserves its right to initiate appropriate Civil/Criminal remedies as it may be advised other than forfeiture and/or recovery of prize money if any.

12. Payment Terms

In respect of any transactions entered into on the Laxmi Ludo platform, including making a payment to participate in the paid versions of Contest(s), Users agree to be bound by the following payment terms:

The payment of pre-designated amount Users make to participate in the Contest(s) is inclusive of the pre-designated platform fee (when applicable) for access to the Laxmi Ludo Services charged by Laxmi Ludo and pre-determined participant’s contribution towards prize money pool.
Subject to these Terms and Conditions, all amounts collected from the User are held, until determination of the Winners and distribution of prizes. Laxmi Ludo receives only its share of the platform Fees, subject to applicability.
The User may participate in a Contest wherein the User has to contribute a pre-specified contribution towards the Prize Money Pool of such Contest, which will be passed on to the Winner(s) of the Contest after the completion of the Contest as per the terms and conditions of such Contest. It is clarified that Laxmi Ludo has no right or interest in this Prize Money Pool, and only acts as an intermediary engaged in collecting and distributing the Prize Money Pool in accordance with the Contest terms and conditions. The amount to be paid-in by the User towards the Prize Money Pool would also be debited from the User’s account balance.
Any user availing Laxmi Ludo services are provided with two categories of accounts for the processing and reconciliation of payments: (i) ‘Unplayed’ Account, (ii) Winnings Account. It is clarified that in no instance the transfer of any amounts in the User's accounts to any other category of account held by the user or any third party account, including a bank account held by a third party:

User's winnings can be credited in any wallet sub-section (Deposits, Bonus, Winnings) in any proportion at Laxmi Ludo's sole discretion.
User’s remitting the amount the designated payment gateway shall be credited to User’s ‘Unplayed’ Account’.

Each time a User participates in any contest on Laxmi Ludo platform, the pre-designated amount shall be debited in the User’s account. In debiting amounts from the User’s accounts towards the pre-designated amount of such user shall be debited from the User’s Unplayed Account and thereafter, any remaining amount of participation fee shall be debited from the User’s Winning Account.
In case there is any amount remaining to be paid by the User in relation to such User’s participation in any match(s) or Contest(s), the User will be taken to the designated payment gateway to give effect to such payment. In case any amount added by the User through such payment gateway exceeds the remaining amount of the pre-designated amount, the amount in excess shall be transferred to the User’s ‘Unplayed’ Account and will be available for use in participation in any match(s) or Contest(s) or for withdrawal in accordance with these Terms and Conditions.
Debits from the ‘Unplayed’ Account for the purpose of enabling a user’s participation in a Contest shall be made in order of the date of credit of amounts in the ‘Unplayed’ Account, and accordingly amounts credited into ‘Unplayed’ Account earlier in time shall be debited first.
A User shall be permitted to withdraw any amounts credited into such User's ‘Unplayed’ Account for any reason whatsoever by contacting Laxmi Ludo Customer Support. All amounts credited into a User's ‘Unplayed’ Account must be utilised within 60 days of credit. In case any unutilised amount lies in the ‘Unplayed’ Account after the completion of 60 days from the date of credit of such amount, Laxmi Ludo reserves the right to forfeit such unutilized amount, without liability or obligation to pay any compensation to the User. Users are requested to note that they will be required to provide valid photo identification and address proof documents for proof of identity and address in order for Laxmi Ludo to process the withdrawal request. The name mentioned on the User's photo identification document should correspond with the name provided by the User at the time of registration on Laxmi Ludo, as well as the name and address existing in the records of the User's bank account as provided to Laxmi Ludo. In the event that no bank account has been registered by the User against such User's account with Laxmi Ludo, or the User has not verified his/her User account with Laxmi Ludo, to Laxmi Ludo's satisfaction and in accordance with these Terms and Conditions, Laxmi Ludo shall provide such User with a notification to the User's email address as on record with Laxmi Ludo at least 30 days prior to the Request Date, and in case the User fails to register a bank account with his/her User Account and/or to verify his/her User Account by the Request date, Laxmi Ludo shall be entitled to forfeit any amounts subject to transfer. Failure to provide Laxmi Ludo with a valid bank account or valid identification documents (to Laxmi Ludo's satisfaction) may result in the forfeiture of any amounts subject to transfer in accordance with this clause.
Withdrawal of any amount standing to the User's credit in the Winnings Account may be made by way of a request to Laxmi Ludo but the amount will be forfeit upon completion of 60 days from the date of credit of such amount in the User's Winnings Account or upon completion of 60 days of in-activity.
Further, in order to conduct promotional activities, Laxmi Ludo may gratuitously issue Bonus points (Called as Cash Bonus) to the User for the purpose of participation in any Contest(s) and no User shall be permitted to transfer or request the transfer of any amount in to the Cash Bonus . The usage of any points issued shall be subject to the limitations and restrictions, including without limitation, restrictions as to time within which such points must be used, as applied by Laxmi Ludo and notified to the User at the time of issue of such amount. The issue of any points to the user is subject to the sole discretion of Laxmi Ludo and cannot be demanded by any User as a matter of right. The issue of any such amount by Laxmi Ludo on any day shall not entitle the user to demand the issuance of such amount at any subsequent period in time nor create an expectation of recurring issue of such amount by Laxmi Ludo to such User. The bonus points/Cash Bonus granted to the user may be used by such User for the purpose of setting off against the contribution to prize pool in any Contest, in accordance with these Terms and Conditions. The bonus points shall not be withdraw-able or transferrable to any other account of the User, including the bank account of such User, or of any other User or person, other that as part of the winnings of a User in any Contest(s). In case the User terminates his/her account with Laxmi Ludo or such account if terminated by Laxmi Ludo, all bonus points granted to the user shall return to Laxmi Ludo and the User shall not have any right or interest on such points.
All cash bonus credited in the User account shall be valid for a period of 14 days from the date of credit. The cash bonus shall lapse at the end of 14 days and the cash bonus amount shall not reflect in the User account.
Users agree that once they confirm a transaction on Laxmi Ludo, they shall be bound by and make payment for that transaction.
The User acknowledges that subject to time taken for bank reconciliations and such other external dependencies that Laxmi Ludo has on third parties, any transactions on Laxmi Ludo Platform may take up to 24 hours to be processed. Any amount paid or transferred into the User's ‘Unplayed’ Account or Winnings Account may take up to 24 hours to reflect in the User's ‘Unplayed’ Account or Winnings Account balance. Similarly, the utilization of the bonus points or money debited from ‘Unplayed’ Account or Winnings Account may take up to 24 hours to reflect in the User's ‘Unplayed’ Account or Winnings Account balance. Users agree not to raise any complaint or claim against Laxmi Ludo in respect of any delay, including any lost opportunity to join any Contest or match due to delay in crediting of transaction amount into any of the User's accounts.
A transaction, once confirmed, is final and no cancellation is permissible. Laxmi Ludo may, in certain exceptional circumstances and at its sole and absolute discretion, refund the amount to the User after deducting applicable cancellation charges and taxes. At the time of the transaction, Users may also be required to take note of certain additional terms and conditions and such additional terms and conditions shall also govern the transaction. To the extent that the additional terms and conditions contain any clause that is conflicting with the present terms and conditions, the additional terms and conditions shall prevail.
The real money added by the User on Laxmi Ludo will solely be applied towards the rights provided to you, by the Company, to play any game/s. Such amount will be completely non-refundable and non-transferrable and can only and only be utilised towards the playing of games on Laxmi Ludo. The T&C of each game would be displayed, along with the fixed/ variable winnings amount which the User may win on participation and successful completion of the terms of the game. Such amounts will be decided by the Company for each game separately. The User would be eligible to withdraw only to the extent of their winnings (before that expires) and after submission of relevant documentation to the Company.

Miscellaneous

The decision of Laxmi Ludo with respect to the awarding of prizes shall be final, binding and non-contestable.
The final assessment of wins by a User shall be determined at the time of withdrawal of Wins, which will be subject to applicable direct and indirect taxes. The withdrawal of Wins shall be subject to applicable TDS as per the provisions of the Income Tax Act (as described under Tax and TDS Policy)
Participants playing the paid formats of the Contest(s) confirm that they are not residents of any of the following Indian states - Assam, Odisha, Nagaland, Sikkim, Meghalaya, Andhra Pradesh, or Telangana. If it is found that a Participant playing the paid formats of the Contest(s) is a resident of any of the abovementioned states, Laxmi Ludo shall disqualify such Participant and forfeit any prize won by such Participant. Further Laxmi Ludo may, at its sole and absolute discretion, suspend or terminate such Participant's account with Laxmi Ludo. Any amount remaining unused in the User's Game Account or Winnings Account on the date of deactivation or deletion shall be reimbursed to the User by an online transfer to the User's bank account on record with Laxmi Ludo, subject to the processing fee (if any) applicable on such transfers as set out herein.
If it is found that a Participant playing the paid formats of the Contest(s) is under the age of eighteen (18), Laxmi Ludo shall be entitled, at its sole and absolute discretion, to disqualify such Participant and forfeit his/her prize. Further, Laxmi Ludo may, at its sole and absolute discretion, suspend or terminate such Participant's account.
To the extent permitted by law, Laxmi Ludo makes no representations or warranties as to the quality, suitability or merchantability of any prizes and shall not be liable in respect of the same.
Laxmi Ludo may, at its sole and absolute discretion, vary or modify the prizes being offered to winners. Participants shall not raise any claim against Laxmi Ludo or question its right to modify such prizes being offered, prior to closure of the Contest.
Laxmi Ludo will not bear any responsibility for the transportation or packaging of prizes to the respective winners. Laxmi Ludo shall not be held liable for any loss or damage caused to any prizes at the time of such transportation.
The Winners shall bear the shipping, courier or any other delivery cost in respect of the prizes.
The Winners shall bear all transaction charges levied for delivery of cash prizes.
All prizes are non-transferable and non-refundable. Prizes cannot be exchanged / redeemed for cash or kind. No cash claims can be made in lieu of prizes in kind.

12.1. Release and Limitations of Liability

Users shall access the Laxmi Ludo Services provided on Laxmi Ludo voluntarily and at their own risk. Laxmi Ludo shall, under no circumstances be held responsible or liable on account of any loss or damage sustained (including but not limited to any accident, injury, death, loss of property) by Users or any other person or entity during the course of access to the Laxmi Ludo Services (including participation in the Contest(s)) or as a result of acceptance of any prize.
By entering the contests and accessing the Laxmi Ludo Services provided therein, Users hereby release from and agree to indemnify Laxmi Ludo, and/ or any of its directors, employees, partners, associates and licensors, from and against all liability, cost, loss or expense arising out their access to the Laxmi Ludo Services including (but not limited to) personal injury and damage to property and whether direct, indirect, consequential, foreseeable, due to some negligent act or omission on their part, or otherwise.
Laxmi Ludo accepts no liability, whether jointly or severally, for any errors or omissions, whether on behalf of itself or third parties in relation to the prizes.
Users shall be solely responsible for any consequences which may arise due to their access of Laxmi Ludo Services by conducting an illegal act or due to non-conformity with these Terms and Conditions and other rules and regulations in relation to Laxmi Ludo Services, including provision of incorrect address or other personal details. Users also undertake to indemnify Laxmi Ludo and their respective officers, directors, employees and agents on the happening of such an event (including without limitation cost of attorney, legal charges etc.) on full indemnity basis for any loss/damage suffered by Laxmi Ludo on account of such act on the part of the Users.
In consideration of Laxmi Ludo allowing Users to access the Laxmi Ludo Services, to the maximum extent permitted by law, the Users waive and release each and every right or claim, all actions, causes of actions (present or future) each of them has or may have against Laxmi Ludo, its respective agents, directors, officers, business associates, group companies, sponsors, employees, or representatives for all and any injuries, accidents, or mishaps (whether known or unknown) or (whether anticipated or unanticipated) arising out of the provision of Laxmi Ludo Services or related to the Contests or the prizes of the Contests.

12.2. Standard Terms and Conditions of Promotions

These standard terms and conditions of promotions (“Standard Terms”) supplement the terms of promotions undertaken on the Laxmi Ludo website and which reference these Standard Terms (each a “Promotion”):

Participation in any Promotion will be subject to a user complying with the Promotion Terms implemented by Laxmi Ludo in respect of such Promotion (“Promotion Terms”) and these Standard Terms. By participating in any Promotion, the participant further consents to and agrees to adhere with the terms and conditions of the Laxmi Ludo game and Laxmi Ludo’s privacy policy.
The Promotions are only open to users in India. Participation in the Promotions by proxy is not permitted.
Participation in the Promotions is voluntary.
Participation in one Promotion does not guarantee that such user will be eligible to participate in another Promotion.
A user may participate in a Promotion and avail of each Promotion only through one account. An existing user of Laxmi Ludo shall not register a new account or operate more than one user account with Laxmi Ludo or participate in a Promotion by registering a new account.
Users intending to participate in a Promotion may be required to verify their mobile number and other account details in accordance with the Promotion Terms for such Promotion.
Persons intending to participate in a Promotion, who have listed their phone numbers on the National Do Not Call Registry (“NDNC Registry”), shall de-register themselves from the NDNC Registry till the completion of such Promotion (including the delivery of Bonus Amount (if any) or the free-entry (if any) under such Promotion). Such persons agree not to make any claim or raise any complaint whatsoever against Laxmi Ludo in this respect. Please note that persons intending to participate in a Promotion who have not de-registered themselves from the NDNC Registry shall also have no right to make any claim or raise any complaints against Laxmi Ludo if they do or do not receive any call or SMS with respect to their participation and all other matters pertaining to a Promotion.
The verification process may require you to submit personal information about yourself. You agree to receive communication from Laxmi Ludo. Any information collected in respect of your identity and contact details as part of a Promotion or otherwise in the course of your use of the Laxmi Ludo Website shall be subject to Laxmi Ludo’s Privacy Policy.
Laxmi Ludo may, at its sole and absolute discretion, disqualify any user from a Promotion if such user engages in or it is found that such user has engaged in any illegal, unlawful or improper conduct (with regard to any of the Promotions or otherwise).
The Bonus Amount (if any) deposited into the user’s account can be used to join cash contests and contests on Laxmi Ludo. However, the Bonus Amount (if any) cannot be: (i) used to join 2-member contests; or (ii) withdrawn or transferred to any other cash balance account held by you with Laxmi Ludo or to any third party account or to any bank/payment instrument account. THE BONUS AMOUNT (IF ANY) SHALL EXPIRE AND BE WITHOUT EFFECT AT THE END OF FOURTEEN DAYS FROM THE DATE OF CREDIT OF THE BONUS AMOUNT (IF ANY).
The deposit of the Bonus Amount (if applicable) or the grant of the free-entry (if any) shall be at the sole discretion of Laxmi Ludo and shall be subject to the user’s compliance with these Standard Terms and the applicable Promotion Terms. Laxmi Ludo may substitute or change the Bonus Amount(if any) or free-entry (if any) offered under a Promotion at any time without notice. Users may not substitute Bonus Amount (if any) or free-entry (if any) for other items or exchange for cash.
Laxmi Ludo reserves the right to withhold or forfeit the benefits of a Promotion (including a free-entry or Bonus Amount due to a participant or any prizes/winnings earned by the participant by using such benefits) in the event that it determines or reasonably believes that the participating user has violated these Standard Terms, the applicable Promotion Terms or the terms and conditions of the Laxmi Ludo fantasy game(s).
Mere participation in a Promotion does not entitle the participant to receive any free-entry or Bonus Amount(s) indicated as a prize under such Promotion.
The decision of Laxmi Ludo will be final and binding with respect to the Promotions, and the prizes therein and no correspondence, objection, complaints, etc. will be entertained in this regard.
Each Promotion cannot be clubbed with any of other contest/offer/promotion that are running simultaneously and organised or conducted by Laxmi Ludo.
Laxmi Ludo reserves the right to change/modify/or withdraw any of the Promotions and/or change these Standard Terms and/or the Promotion Terms without any prior notice of the same at its sole discretion.
Laxmi Ludo does not make any commitment, express or implied, to respond to any feedback, suggestion and, or, queries of the participants of the Promotions.
Notwithstanding anything contained herein, the aggregate liability of Laxmi Ludo to a participating user in relation to any Promotion for any reason whatsoever shall not exceed Rs. 50.
The Promotions shall be governed by the laws of the Republic of India, and any disputes or disagreements in respect of this Promotion shall be subject to the exclusive jurisdiction of the courts of Delhi.

12.3. Standard Terms and Conditions of "Cashback Promotion"

This “Cashback Promotion” (“Promotion”), is open for participation to existing users of Laxmi Ludo

No person shall seek participation in the Promotion as a matter of right.
THE BONUS AMOUNT SHALL EXPIRE AND BE WITHOUT EFFECT AT THE END OF FOURTEEN DAYS FROM THE DATE OF CREDIT OF THE BONUS AMOUNT.

12.4. Standard Terms and Conditions of "Invite Friends" program

The Laxmi Ludo Invite Friends Program lets you invite friends to join Laxmi Ludo ("Program"). In the event that you and your referred friend meet the criteria and complete all the steps specified in these terms, you and your friend can earn a Cash Bonus from Laxmi Ludo of upto Rs. 100 ("Bonus Amount"), which Bonus Amount will be redeemable to join cash contests and contests through the Laxmi Ludo’s mobile application for the iOS and/or Android mobile devices ("Laxmi Ludo Application"). To participate in the Program, please note our terms and conditions ("Terms") in this respect, as they govern your participation in the Program:

Participation in the Program is voluntary. A user shall not register or operate more than one user account with Laxmi Ludo and shall not participate in the Program with more than one user account with Laxmi Ludo.
By participating in the Program, you agree to and accept these Terms.
For the purpose of participation in the Program, you are required to have the Laxmi Ludo Application downloaded and installed on your mobile device. Through the Laxmi Ludo Application, you will be provided with a unique link or code, which can be shared by you ("Inviter") with friends (each an "Invitee") for the purpose of inviting such friends to create and register an account with Laxmi Ludo and download the Laxmi Ludo Application. On receiving the link or code from the Inviter, the Invitee may either: (i) Click on the link, consequent to which such Invitee will be directed to a registration page and will be provided the option to register an account with Laxmi Ludo and download and install the Laxmi Ludo Application on his/her device; or (ii) download and install the Laxmi Ludo Application on his/her device independently, register for a Laxmi Ludo account through the Laxmi Ludo Application and enter the unique code shared by the Inviter.
The Inviter and the Invitee will be eligible to earn the Bonus Amount subject to (amongst other terms specified in these Terms): (i) the Invitee not being an existing user of Laxmi Ludo; and (ii) the Invitee successfully registering for an account with Laxmi Ludo through the unique link or by using the unique code shared by the Inviter; and (iii) the Inviter and Invitee verifying the Inviter’s and the Invitee’s respective mobile number as provided at the time of registration within thirty (30) days from the date on which Invitee registers for an account with Laxmi Ludo ("Verification Period"). For the purposes of these Terms, an 'existing user of Laxmi Ludo' shall mean a user who presently operates an account with the Platform or operated an account with the Platform at any point of time.
An Invitee who is an existing user of Laxmi Ludo is not permitted to register a new account with the Platform for the purpose of availing of the Bonus Amount. Laxmi Ludo will determine in its sole discretion whether an Invitee is an existing user of Laxmi Ludo or not and take appropriate action.
The verification process may require an Inviter/Invitee to submit personal information about the user (Inviter/Invitee) and documents identifying the Inviter/Invitee. The Inviter agrees to receive communication from Laxmi Ludo and to allow Laxmi Ludo to communicate with Invitees referred by you about the Inviter's participation in the Program. Any information collected in respect of the Inviter/Invitee as part of the Program or otherwise in the course of such person's use of the Website shall be subject to Laxmi Ludo's Privacy Policy (available here: https://laxmiludo.com/privacy-policy for Indian users).
The verification of an Inviter/Invitee shall be completed at the time of first withdrawal by the Inviter/Invitee from the Inviter’s/Invitee's 'Your Winnings' account or 'Your Deposits' account with the Platform. An Inviter/Invitee may voluntarily seek verification of the Inviter/Invitee by clicking on the 'Verify Now' tab of the Account Balance page of the Inviter/Invitee's account with the Platform. In the event that the Invitee opts to register for a Laxmi Ludo account through the Laxmi Ludo Application, the Invitee can verify his/her contact information at the time of registration.
THE BONUS AMOUNT SHALL EXPIRE AND BE WITHOUT EFFECT AT THE END OF FOURTEEN DAYS FROM THE DATE OF CREDIT OF THE BONUS AMOUNT.
The deposit of the Bonus Amount shall be at the sole discretion of Laxmi Ludo and shall be subject to the Inviter’s/Invitee’s compliance with these Terms. Laxmi Ludo may substitute or change the Bonus Amount offered under the Program at any time without notice. An Inviter/Invitee may not substitute the amount of Bonus Amount or substitute offering for other items or exchange for cash.
Laxmi Ludo reserves the right to:

withhold the deposit of the Bonus Amount; and/or
forfeit any deposited Bonus Amount to an Inviter/Invitee or any prizes/winnings earned by the participant by using such Bonus Amount; and/or
credit the user's winnings amount in any contest in any wallet sub-section (Deposits, Bonus, Winnings) in any proportion at Laxmi Ludo's sole discretion

Mere participation in the Program does not entitle the Inviter/Invitee to receive any Bonus Amount.
Laxmi Ludo may, at its sole and absolute discretion, disqualify any Inviter/Invitee if such Inviter/Invitee engages in or it is found that such Inviter/Invitee has engaged in any illegal, unlawful or improper conduct (with regard to the Program or otherwise).
The decision of Laxmi Ludo will be final and binding with regard to the Program, and the deposit of the Bonus Amount and no correspondence, objection, complaints, etc. will be entertained in this regard.
This Program cannot be clubbed with any other contests/promotions/programs that are running simultaneously and organised or conducted by Laxmi Ludo.
Laxmi Ludo reserves the right to change/modify/or withdraw the Program and/or change these terms and conditions without any prior notice of the same at its sole discretion.
The Terms and Conditions, as applicable to the Laxmi Ludo's fantasy games and services, will apply to and govern the Program.
Laxmi Ludo does not make any commitment, express or implied, to respond to any feedback, suggestion and, or, queries of the participants (Inviter/Invitee) of the Program.