C&RP

Deposit

a.All payments on the Platform will have to be made through your Wallet, by following the process indicated therein. Any money deposited by You with Rummy is credited to the Deposit Balance Segment, amounts available with You to participate in Cash Games are reflected in the Game Balance Segment, and Your winnings are credited to the Withdrawable Segment, unless You choose to transfer part of Your winnings to Game Balance Segment, basis ongoing promotional offers (if any) on the Platform Your Wallet also provides a record of all transactions made by You on the Platform.

b.All funds collected from You are held in trust by Rummy and kept unencumbered in a designated account. By participating in Cash Games, You hereby authorize Rummy to appoint a third party/ Trustee/Escrow Agent to manage funds deposited by You on your behalf. Subject to these Terms, amounts collected from You are held in a separate non-interest-earning bank account. The said accounts are operated by a third party appointed by Rummy. From these bank accounts, the payouts can be made to (a) the users (towards their withdrawals), (b) Rummy (towards its margin (i.e., the difference between the buy-in/discounted buy-in amount and the prize pool amount)) and (c) to governmental authorities (including without limitation towards GST, TDS on winnings).

c.All transactions You make with Us shall be in Indian Rupees (INR) and We do not accept any deposits in any other currency or in the form of virtual digital assets. You are free to deposit funds in the Deposit Balance Segment for the purpose of participating in Cash Games, subject to the following conditions:

1.You can only deposit up to INR 50,000 (Indian Rupees Fifty Thousand only) to the Deposit Balance Segment in a single transaction;

2.the monthly deposit limit set by Us with undertakings, indemnity, waiver, and verification conditions as We deem appropriate in Our sole discretion. We will notify You of any changes in the deposit limits on the Platform; and

3.GST at the rates prescribed by the Government will be applicable to the amounts deposited by you in the Deposit Balance Segment.

d.The deposits made by You in the Deposit Balance Segment are purely for the purpose of enabling Your participation in the Cash Games and do not carry or generate any interest or return. You shall be allowed to transfer the balance lying in the Deposit Balance Segment to the Game Balance Segment to participate in a Cash Game.

e.Rummy will issue a GST-compliant invoice to You which shall be available for You to download on the Platform from the Wallet section, against the deemed supply of actionable specified claims by Rummy to You when you deposit money to the Deposit Balance Segment.

f.You cannot transfer any funds from Your Wallet to the Wallet of another user, except as may be permitted by Rummy.

g.You hereby represent and warrant that the payment instrument/mode used for adding cash to Your Wallet belongs to You.

h.Credit cards, debit cards, prepaid cash cards, and Internet banking payments are processed through third-party payment gateways. Similarly, other payment modes also require authorization by the entity which processes such payments. You understand and agree that We are not responsible for delays or denials in processing payments at their end. The processing of payments will be solely in terms of the applicable policies and procedures of the relevant third parties, without any responsibility or risk at Our end.

i.If there are any issues in connection with adding cash/depositing funds on the Platform, You may send a complaint to Us by following the complaints procedure provided in Clause 16 below.

j.You understand and agree that we are not liable in the event of Your credit being delayed or eventually declined, and You are required to follow up with the providers of the payment instrument You used to initiate the transaction. Once a payment/transaction is authorized and confirmed, and the funds are received by Us, the amount is credited to the Deposit Balance Segment and is available for You to transfer it to the Game Balance Segment to play Cash Games.

k.We have the right to cancel a transaction at any time and at Our sole discretion, and if the relevant payment is successfully realised in such an event, the transaction will be reversed and the money credited back (exclusive of GST) to the original source of payment.

Withdrawal

a.You may Withdraw all or any part of the Withdrawable Balance to Your Bank Account which will be processed by means of an electronic bank-to-bank transfer or such other mode as per your stated preferences and in accordance with Applicable Laws.

b.You may also choose to transfer a part of Your Withdrawable Balance to the Game Balance Segment and avail Discount Credits in accordance with the ongoing promotional offers (such as Superboost or such other nomenclature as may be determined by Rummy) being run on the Platform. The percentage of Your Withdrawable Balance that can be transferred to the Game Balance Segment shall be determined solely by Rummy in its discretion and shall be made available to You in the information panel, as an option to avail such offer.

At the time of initiating a Withdrawal Request, You are required to provide Us with the details of the Bank Account to which the funds are to be credited, and such Bank Account must belong to You.

A Withdrawal Request will be accepted by Us subject to adequate KYC verifications, alignment with the deposit method, and/or security reviews by Our automated systems and risk management team. You agree that all Withdrawals You make are governed by the following conditions:

a.You shall be allowed to place a Withdrawal Request only once in 24 (twenty four) hours.

b.You can Withdraw all or any part of Your Withdrawable Balance, subject to the levy of applicable processing fee (depending on the Withdrawal method), applicable withholding and withdrawal fee, which shall be a discretionary fee charged by Rummy for facilitating Withdrawal on the Platform, inclusive of GST (if any) ("Withdrawal Fee"). The amount of Withdrawal Fee may vary depending on the mode of Withdrawal or such other parameters as may be determined by Rummy and is subject to change from time to time. The amount of Withdrawal Fee applicable on Your Withdrawal shall be communicated to You at the time You place the Withdrawal request and Rummy will issue a GST -compliant invoice to You which shall be available for You to download on the Platform from Wallet section.

c.You may Withdraw a minimum of INR 100.00 (Indian Rupees One Hundred only), and a maximum of INR 1,00,000.00 (Indian Rupees One Lakh only), per transaction. When Withdrawing funds, payment will be made to You either by electronic wire transfer, or any other manner in accordance with Your stated preferences and Applicable Laws. We also reserve the right to disburse the amount to the financial instrument/mode used to add cash to Your Deposit Balance Segment. The foregoing limits on withdrawal may be changed or modified by Us from time to time.

d.Withdrawal Requests shall, subject to Withdrawal restrictions specified in these Terms and the Platform, be processed post Your KYC verification. We may ask You for Your KYC documents at any stage to verify Your address and identity.

e.Discount Credits are non-monetary, not Withdrawable and are subject to the terms and conditions applicable to their grant.

7.5We will attempt to process Your Withdrawal Request in a timely manner, but there may be delays due to the time required for the KYC verification, security checks, and other processes involved in completing the Withdrawal transaction. We shall not be liable to pay any form of compensation to You for the reason of such delays in processing Withdrawal Requests and remitting payments.

Refund

a.You may request a Refund of any unutilized funds in your Deposit Balance Segment by contacting Support, completing of KYC and subject to the following conditions:

1.Upon receipt of a Refund request from You, the Refund will be processed within 2 (two) weeks from the date of receipt of such Refund request and the requisite Refund amount shall be credited to the original source used to add such funds.

2.You may raise a Refund request no later than 180 (one hundred and eighty) days of adding such funds to your Deposit Balance Segment.

3.any GST deducted at time of deposit of the amounts shall not be refundable as per Applicable Laws.

Applicable Laws.

The refund policy for cancelled Cash Games shall be in accordance with the terms and conditions specified on the Platform at the beginning of the relevant Cash Game.

Your winnings may be disclosed to the relevant authorities, and requisite amounts may be withheld from payouts, in order to ensure compliance with Applicable Laws and lawful requests from the government, regulatory bodies, tax authorities or an order of any court of competent jurisdiction. It is solely Your responsibility to ensure the due remittance of all the applicable taxes.