Wallet & Ledger Policy

Khelo Bhai — comprehensive platform legal documentation

Version 2026-08-25 · Last updated: 25 August 2026 · Document ID: wallet-ledger-policy

This Wallet & Ledger 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

Not a bank account
Ledger entries
Bonuses vs cash
Negative balance ban
Inactive accounts

1. Not a bank account

Under wallet-ledger-policy, users of Khelo Bhai agree that Not a bank account applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

1.1 Not a bank account — detailed rule set 1

Clause 1.1: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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 Not a bank account — detailed rule set 2

Clause 1.2: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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 Not a bank account — detailed rule set 3

Clause 1.3: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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 Not a bank account — detailed rule set 4

Clause 1.4: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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 Not a bank account — detailed rule set 5

Clause 1.5: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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 Not a bank account — detailed rule set 6

Clause 1.6: You must not circumvent, automate, or misrepresent facts related to not a bank account. 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	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Not a bank account applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Not a bank account 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. Ledger entries

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

2.1 Ledger entries — detailed rule set 1

Clause 2.1: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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 Ledger entries — detailed rule set 2

Clause 2.2: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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 Ledger entries — detailed rule set 3

Clause 2.3: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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 Ledger entries — detailed rule set 4

Clause 2.4: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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 Ledger entries — detailed rule set 5

Clause 2.5: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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 Ledger entries — detailed rule set 6

Clause 2.6: You must not circumvent, automate, or misrepresent facts related to ledger entries. 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	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Ledger entries applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Ledger entries 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. Bonuses vs cash

Under wallet-ledger-policy, users of Khelo Bhai agree that Bonuses vs cash applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

3.1 Bonuses vs cash — detailed rule set 1

Clause 3.1: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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 Bonuses vs cash — detailed rule set 2

Clause 3.2: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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 Bonuses vs cash — detailed rule set 3

Clause 3.3: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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 Bonuses vs cash — detailed rule set 4

Clause 3.4: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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 Bonuses vs cash — detailed rule set 5

Clause 3.5: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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 Bonuses vs cash — detailed rule set 6

Clause 3.6: You must not circumvent, automate, or misrepresent facts related to bonuses vs cash. 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	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Bonuses vs cash applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Bonuses vs cash 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. Negative balance ban

Under wallet-ledger-policy, users of Khelo Bhai agree that Negative balance ban applies to all accounts, devices, APIs, deposits, withdrawals, matchmaking, chat, ads, and support tickets handled by Wamims or its processors.

4.1 Negative balance ban — detailed rule set 1

Clause 4.1: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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 Negative balance ban — detailed rule set 2

Clause 4.2: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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 Negative balance ban — detailed rule set 3

Clause 4.3: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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 Negative balance ban — detailed rule set 4

Clause 4.4: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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 Negative balance ban — detailed rule set 5

Clause 4.5: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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 Negative balance ban — detailed rule set 6

Clause 4.6: You must not circumvent, automate, or misrepresent facts related to negative balance ban. 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	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Negative balance ban applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Negative balance ban 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. Inactive accounts

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

5.1 Inactive accounts — detailed rule set 1

Clause 5.1: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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 Inactive accounts — detailed rule set 2

Clause 5.2: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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 Inactive accounts — detailed rule set 3

Clause 5.3: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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 Inactive accounts — detailed rule set 4

Clause 5.4: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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 Inactive accounts — detailed rule set 5

Clause 5.5: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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 Inactive accounts — detailed rule set 6

Clause 5.6: You must not circumvent, automate, or misrepresent facts related to inactive accounts. 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	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Ludo Points	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Chess	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Checkers	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tic-Tac-Toe	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Carrom	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Quoridor	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Tournaments	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Friend Challenge	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Practice Lobbies	Inactive accounts applies to ranked & free modes unless stated otherwise.	Follow fair-play; no collusion or multi-accounting.
Bot Quick Match	Inactive accounts 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger 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 Wallet & Ledger Policy apply in scenario 15? A: We review ledger entries, match logs, and this policy. Provide match ID, amount, and timestamp in Contact Us.

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