Payment Gateway Policy

Khelo Bhai — comprehensive platform legal documentation

Version 2026-08-25 · Last updated: 25 August 2026 · Document ID: payment-gateway-policy

This Payment Gateway Policy governs use of Khelo Bhai (https://khelobhai.club), a skill-based gaming platform operated by Wamims. Registered correspondence: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.

Regulatory notice: Indian online gaming law changed materially in 2025 (Promotion and Regulation of Online Gaming Bill). Like MPL, Zupee, and Dream11, we may suspend real-money contests while keeping free modes. Wallet withdrawals follow KYC where law permits. This document is not legal advice.

Contents

Partners
UPI flows
Failed txns
Receipts
Disputes with bank
PCI scope

1. Partners

Under payment-gateway-policy, users of Khelo Bhai agree that Partners applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

1.1 Partners — detailed rule set 1

Clause 1.1: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

1.2 Partners — detailed rule set 2

Clause 1.2: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

1.3 Partners — detailed rule set 3

Clause 1.3: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

1.4 Partners — detailed rule set 4

Clause 1.4: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

1.5 Partners — detailed rule set 5

Clause 1.5: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

1.6 Partners — detailed rule set 6

Clause 1.6: You must not circumvent, automate, or misrepresent facts related to partners. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Partners applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

2. UPI flows

Under payment-gateway-policy, users of Khelo Bhai agree that UPI flows applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

2.1 UPI flows — detailed rule set 1

Clause 2.1: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

2.2 UPI flows — detailed rule set 2

Clause 2.2: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

2.3 UPI flows — detailed rule set 3

Clause 2.3: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

2.4 UPI flows — detailed rule set 4

Clause 2.4: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

2.5 UPI flows — detailed rule set 5

Clause 2.5: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

2.6 UPI flows — detailed rule set 6

Clause 2.6: You must not circumvent, automate, or misrepresent facts related to upi flows. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	UPI flows applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

3. Failed txns

Under payment-gateway-policy, users of Khelo Bhai agree that Failed txns applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

3.1 Failed txns — detailed rule set 1

Clause 3.1: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

3.2 Failed txns — detailed rule set 2

Clause 3.2: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

3.3 Failed txns — detailed rule set 3

Clause 3.3: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

3.4 Failed txns — detailed rule set 4

Clause 3.4: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

3.5 Failed txns — detailed rule set 5

Clause 3.5: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

3.6 Failed txns — detailed rule set 6

Clause 3.6: You must not circumvent, automate, or misrepresent facts related to failed txns. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Failed txns applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

4. Receipts

Under payment-gateway-policy, users of Khelo Bhai agree that Receipts applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

4.1 Receipts — detailed rule set 1

Clause 4.1: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

4.2 Receipts — detailed rule set 2

Clause 4.2: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

4.3 Receipts — detailed rule set 3

Clause 4.3: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

4.4 Receipts — detailed rule set 4

Clause 4.4: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

4.5 Receipts — detailed rule set 5

Clause 4.5: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

4.6 Receipts — detailed rule set 6

Clause 4.6: You must not circumvent, automate, or misrepresent facts related to receipts. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Receipts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

5. Disputes with bank

Under payment-gateway-policy, users of Khelo Bhai agree that Disputes with bank applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

5.1 Disputes with bank — detailed rule set 1

Clause 5.1: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

5.2 Disputes with bank — detailed rule set 2

Clause 5.2: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

5.3 Disputes with bank — detailed rule set 3

Clause 5.3: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

5.4 Disputes with bank — detailed rule set 4

Clause 5.4: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

5.5 Disputes with bank — detailed rule set 5

Clause 5.5: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

5.6 Disputes with bank — detailed rule set 6

Clause 5.6: You must not circumvent, automate, or misrepresent facts related to disputes with bank. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Disputes with bank applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

6. PCI scope

Under payment-gateway-policy, users of Khelo Bhai agree that PCI scope applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

6.1 PCI scope — detailed rule set 1

Clause 6.1: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

6.2 PCI scope — detailed rule set 2

Clause 6.2: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

6.3 PCI scope — detailed rule set 3

Clause 6.3: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

6.4 PCI scope — detailed rule set 4

Clause 6.4: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

6.5 PCI scope — detailed rule set 5

Clause 6.5: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

6.6 PCI scope — detailed rule set 6

Clause 6.6: You must not circumvent, automate, or misrepresent facts related to pci scope. We may preserve logs (match ID, wallet txn ID, IP, device fingerprint, chat snippets where law permits) for audits, fraud review, tax, AML, and grievance resolution. False identity or duplicate accounts violate this clause.

Cooperate with KYC / AML checks before withdrawals or high-value play.
Accept that commission, TDS, and payment-gateway fees may apply where disclosed in-app.
Accept bot opponents only where the app discloses automation before join.
Report bugs or unfair outcomes via Contact Us with evidence within 72 hours.

Game	Application	User duty
Ludo Classic	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	PCI scope applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.

State diligence: verify local law before real-money play. Restricted users must use free modes only or stop using the Platform.

State / UT	User confirms	Platform may
Andhra Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Assam	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Gujarat	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Karnataka	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Kerala	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Maharashtra	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Rajasthan	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tamil Nadu	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Telangana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttar Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
West Bengal	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Delhi NCT	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Punjab	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Haryana	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Odisha	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Madhya Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Bihar	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jharkhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Chhattisgarh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Goa	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Himachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Uttarakhand	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Nagaland	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Sikkim	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Meghalaya	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Manipur	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Tripura	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Mizoram	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Arunachal Pradesh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Jammu & Kashmir	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Ladakh	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals
Puducherry	Eligibility & age 18+ before stakes	Block, KYC, suspend on risk signals

Appendix — Industry alignment

Our policies incorporate common safeguards seen on major Indian skill platforms (MPL, Zupee/Ludo Supreme, Dream11): pre-join fee disclosure, KYC-gated withdrawals, grievance officer via Contact Us, responsible gaming, bot transparency, and regulatory transition notices.

Appendix FAQ 1

Q: How does Payment Gateway Policy apply in scenario 1? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 2

Q: How does Payment Gateway Policy apply in scenario 2? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 3

Q: How does Payment Gateway Policy apply in scenario 3? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 4

Q: How does Payment Gateway Policy apply in scenario 4? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 5

Q: How does Payment Gateway Policy apply in scenario 5? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 6

Q: How does Payment Gateway Policy apply in scenario 6? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 7

Q: How does Payment Gateway Policy apply in scenario 7? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 8

Q: How does Payment Gateway Policy apply in scenario 8? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 9

Q: How does Payment Gateway Policy apply in scenario 9? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 10

Q: How does Payment Gateway Policy apply in scenario 10? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 11

Q: How does Payment Gateway Policy apply in scenario 11? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 12

Q: How does Payment Gateway Policy apply in scenario 12? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 13

Q: How does Payment Gateway Policy apply in scenario 13? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 14

Q: How does Payment Gateway Policy apply in scenario 14? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Appendix FAQ 15

Q: How does Payment Gateway Policy apply in scenario 15? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

Legal & policies (A–Z)

Home · Privacy · Terms · Acceptable Use · Community · Cookies

Skill Gaming · Fair Play · Bot Disclosure · Responsible Gaming · India Compliance · State Rules

Wallet · Entry & Prizes · Payments / UPI · Withdrawals · Refunds · Cancellations · Tax / TDS

KYC · AML · Fraud · Security · Data Retention · Third Parties

Grievance · Disputes · Contact Us · Support Policy · Who Operates · Accessibility