TERMS OF SERVICE

IMPORTANT NOTIFICATION

Online Card Games for cash has been banned in the States of Telangana, Andhra Pradesh, Tamil Nadu, Assam and Orissa. In compliance with the same, we have made changes to our services and have stopped offering online card games for cash in these jurisdictions. Anybody accessing the website from these regions does so at their own risk, and Wyzgames India can in no way be accountable for the same.

IMPORTANT NOTIFICATION ON TAX

As per the recent changes in Direct and Indirect Taxation rules by the Central Government, w.e.f. 1^st October 2023, please note that every deposit made on the website attracts a GST rate of 28%, which is included in the amount deposited by the user on the website. The company holds the prerogative to collect the GST amount from the user and deposit it with the government. To request your GST invoice for any specific deposit, please send a mail to support@silkrummy.com from your registered mail address quoting your Deposit Transaction ID which can be found in the Deposit Acknowledgment Mail received by you on your registered mail ID.
As per recent changes in the taxation regime notified by the Central Government, the company Wyz games India Private Limited is liable to collect TDS @ 30% on the net winnings in any financial year from the user. Please note that the company does not take any responsibility for TDS deducted in the event of multiple accounts being maintained by the same player. The company also does not take any responsibility for erroneous of fraudulent taxation credentials and other information provided by the player. Subject to all other applicable terms and conditions contained herein.
If users fail to provide valid PAN details and a copy of their PAN card, the company may deduct tax at source on net winnings as of the end of the financial year and remit the amount to the government authorities on a no-name basis.

Definitions and getting started

The terms of use are an agreement between Wyz Games India Private Limited and all its subsidiaries, from here on referred to as the “company” (the company could also be referred to as “we”, “us”, “our” and other such adjectives), including its website www.SilkRummy.com, from here on is referred to as the “website” and you from here on will be referred as “you”, “your”, “user” or “player”.

The agreement must be read by you (user) completely and well understood before you agree to the terms of use governing any and all relationships, in this agreement and terms of services, products or information and their usage, from here on are referred to as “Terms and conditions”. The user should read, understand and agree to the terms of use which includes those terms and conditions expressly set out below and those incorporated by reference, which you can access by clicking on the relevant link.

Definition of “Membership

The Website and its membership are strictly private and in no way should be considered to be public. In order to gain membership to the website enabling the user to play the games offered/ use the software or any other product or services offered by the website, company or its associates, they will have to first register themselves with the website.

The registration does not guarantee membership, only after the company or its representatives deem fit by their own subjective judgment will they grant membership informing you of the same by sending you an e-mail.

The right to grant membership is completely reserved by the company/website and its representatives. Such membership can be terminated by giving instant notice for any subjective reason that they deem fit and by agreeing to the terms of use the user grants its consent for the same or in the event of inactivity for more than 12 months wherein your account may also be subject to deduction of applicable annual account maintenance fees

The server where the software is installed and the games hosted will be placed in a strictly non-public / confidential area where the access to the server is completely restricted both physically and virtually. Any person/persons or group that will be authorized to access the server where the games are held are not allowed to register themselves as users, thus, not allowed to become members. Such people are not allowed to use the software/play games or use any other product or service provided by the company. This is in the interest of promoting fair play.

Our services and products are not available to anybody under the age of 18 on the day of them applying for membership through the registration process on the site. Also, it is strictly prohibited for any user under the age of 18 to play games on our website. We reserve the right to request proof of age at any stage to verify that minors are not using the service and we may exclude a person from play if proof of age is not provided or if the Company suspects that a person using the service is under-age. The services and products are not intended for users

SERVICES NOT OFFERED IN ANDHRA PRADESH, TELANGANA, Tamil Nadu, ASSAM, AND ORISSA

The applicable laws in the state of Andhra Pradesh, Telangana, Tamil Nadu, Assam, and Orissa may prohibit a player from using the services offered on our website. There may be applicable penalties imposed on such users by the respective state governments or the central government of India as the case may be.

Our company and its website don’t accept membership request from people who are residing in these states and if a user residing in such state becomes a member of the site by giving false information, the liability will be solely on the user and the company reserves the right to terminate the user’s membership without any notice and confiscate all his deposit and winnings as the case might be.

You accept that SilkRummy.com or Wyz Games India Private Limited will not be liable to take any responsibility for the breach of the user of applicable state laws. Users from all states have to always ensure that they are following the applicable state laws and we will try to post any changes that we seem appropriate to better educate the users. Our decision in this regard will be final and no consideration whatsoever will be extended to the user.

Account creation and maintenance

You may only have one account on our website from here on referred to as “Account”, for which you will register using your own, correct name. You may not use the service by means of another person’s account. Should you attempt to open more than one account, under your own name or under any other name, or should you attempt to use the service by means of any other person’s account, we will be entitled to close all Your Accounts and bar you from playing games on our website in the future immediately. Further, We also reserve the right to deduct any monies fraudulently accrued to you by the account of the creation of such multiple accounts.

You should ensure that you have read and understood the rules and regulations of the games available through the service, here on referred to as the “games”. You agree to abide by the rules and regulations of each of the Games as published and periodically changed on the website.

The rules that govern the games and services offered by the website form part of the terms and conditions and they will be available under the “How to Play” or similar section on the website. For all rules, however, they may or may not be explicitly mentioned on the website. The user is encouraged to seek clarification by using the customer services offered. The determination decided by the company and/or its website will be final and you agree to abide by them by accepting the terms and conditions.

Sharing of password and other player responsibilities

Sharing or distribution of the password with any other user/ person/ group or any third party is strictly prohibited. SilkRummy.com is not responsible if your account is accessed or opened by others using your password. You are held legally responsible and liable for all of your activities on the website made from your account.

The players admit that they may be exposed to content posted by other users which they may find offensive, obnoxious or indecent and that the website may not be able to prevent such content being posted. Such content should be brought to the notice of the website. The website shall act upon the information as it deems acceptable.

The decision taken by the management of the company or the website in this regard shall be final and binding on the player and the player specifically agrees that SilkRummy.com will not incur any liability under any circumstance whatsoever regarding the same. You understand that it is your obligation to protect the information you have provided on the website including, but not limited, to usernames, passwords, email addresses, contact details, and telephone numbers.

You explicitly understand and agree that we will not incur any liability for information provided by you to anyone which may result in your account on the website being exposed or misused by any other person or any other harm or loss being suffered by you. You are accountable to obey any applicable law, while taking part in any competition or tournament organized through the website. You undertake and agree to assure us against any claims, expenses or liabilities suffered by or claimed against us by any person or entity arising out of your non-compliance with any applicable laws.

You also understand and accept that your mere participation in a game/ tournament available on the website does not create any obligation on us to give you a prize. Your winning a prize is entirely dependent on your skill as a player same as other players in the game/tournament and subject to the rules of the game/ tournament. You acknowledge that your participation in any game/tournament available on the website is purely voluntary and is at your sole discretion and risk.

You understand and acknowledge that once a game/tournament has commenced, not being able to play due to slow internet connections, faulty hardware, internet connection failure, low computer configuration or for some other reason does not attributable to us to a refund of the entry fee you may have paid for participation. You agree, understand and acknowledge that you will use your account with us solely for the purpose of playing on the website and for any other transactions with us which you may have to carry out with respect to your usage of the services.

You understand and acknowledge the fact that we are neither a bank nor a financial institution and that the purchases/balance standing to the credit in your account do not accumulate any interest. You also understand and agree that your account maintained by us is purely for the purpose of payment of the entry/subscription fee to participate in games/tournaments made available on the website and for the purchase of cash prizes that you may win.

You also agree that you are required to furnish your PAN (Permanent Account Number) duly issued to you by the Income Tax Department, Government of India, as the case may be, to deduct TDS as per the rules and regulations of the government of India. You acknowledge that you are making use of the services knowing that you may face a risk of monetary loss when using the services and that SilkRummy.com shall have no responsibility to you for any such loss that arises in the course of your participation in the services.

You may not impersonate another person or user, attempt to get a password, other account information, or other private information from a user, or harvest email addresses or other information. In the event, we have reasonable grounds to believe that your activities include any of the acts specified above, We may initiate appropriate legal proceedings against you as well as notifying the relevant regulatory or law enforcement authorities where appropriate, apart from suspending or terminating your privileges for the use of the website.

You are required to be aware of the laws governing the play of various games of skill as per the jurisdictions which you attract and comply with the same. Wyzgames India cannot be held responsible for the violation of any law by any user with respect to the content and software on its platform.

You are prohibited to play cash games on our site if you are not legally competent to perform transactions in Indian Rupees through banking channels in India and/or if you are not accessing the site from a jurisdiction where playing online cash rummy games is legally permitted. Any violation of this policy will be considered a breach of our Terms, and as a result, your account can be locked immediately and all amounts forfeited. Furthermore, such an action is also a violation of applicable laws, and you shall be solely liable to any penalties and/or penal action under applicable laws.

You may not purchase, sell, trade, rent, lease, license, grant a security interest in, or transfer your user account, any content, currency, points, standings, rankings, ratings, or any other attributes appearing in, originating from or associated with the Website or by using any Services.

Intellectual property

Wyz Games India Private Limited holds all rights tangible or intangible for the website and all the services offered on the website including but not limited to all games and other content, promotional material, entered all strategic and development plans, ideas, designs, financial conditions, business plans, data banks, information related to technology and process, the technology development including the software and methodology of usage from here on referred to as “Intellectual Property”.

The company is only permitted the user to use the Intellectual property to play the games and use other services offered and under all circumstances the user is strictly prohibited to use the intellectual capital otherwise, which includes but is not limited to copying, reproducing or transmitting any media known to / or will be known to humankind of the intellectual property. The user is not being granted any rights whatsoever with respect to the intellectual property by allowing him to play games on the website and use other services on the website.

Description of services offered

Wyz Games India Private Limited is a technology company which through its website SilkRummy.com aims at providing technology and IT services to enable online multiplayer gaming in real-time.

Besides providing technology and IT services to enable online games of skill, the company will also create software and technology to enable the play of games of skills on multiple technology platforms, real-time or otherwise. Such technology will not be sold, but the users will be allowed to use it at the sole discretion of Wyz Games India Private Limited.

The services provided by the website are only intended to play with skill and for entertainment purposes only. The company is not responsible for any betting or gambling acts that may take place outside the website.

Wyz Games India Private Limited will charge the users for providing such services. A service tax is applicable for the services and the service charge collected at the beginning of each game will include the service tax and other taxes and charges as applicable.

The service charge levied is subject to change from time to time and the users will be informed accordingly by answering to such specific requests from customer care. We reserve the right to collect service charges at varying rates and at different times and for multiple types of games and other services offered by us. The service charge and applicable taxes may vary as per the changes in the law and we may change the levy of service charge accordingly based on the company’s discretion.

Software usage

Commercial use of the Software is strictly forbidden. The User is only allowed to use the Software for his/her personal use. Under no circumstances shall a User be permitted to use his/her account with Wyz Games India Private Limited for any purpose other than for playing the Games.

You may open only one account per person. Wyz Games India Private Limited reserves the right to monitor any effort to establish multiple accounts; in the event, Wyz Games India Private Limited discovers that you have opened more than one account per person, WyzGames India reserves all rights to terminate all accounts immediately without notice and/or forfeit any monies and associated winnings in such accounts.

The user may not attempt to modify, decompile, reverse-engineer or disassemble the software in any way. The use of artificial intelligence including, without limitation, “robots” is strictly forbidden in connection with the Software and the Games. All actions taken in relation to the Games by a User must be executed personally by the User through the user interface accessible by use of the Software.

You agree that Wyz Games India Private Limited may take steps to detect and prevent the use of prohibited EPA Programs. Such action may include but is not limited to, the examination of software programs running concurrently with the Wyz Games India Private Limited Software on the User’s computer.

Fairplay and prevention of collusion and fraud

All necessary steps have been taken in order to ensure fair play on the website. We will prevent you from colliding with other players in order to win/lose. When you agree to the terms and conditions mentioned here, you agree that you will not play any game in a partnership or by communicating with other players which may benefit you over other players.

In case a player is found involved in such activities, Wyz Games India Pvt Limited has the right to withhold all the funds in the player’s account and to cancel and close the account without any prior communication to the player.

Electronic service provider

When you use our Services, you will be required to do to and fro money transactions. To process such financial transactions, we may use third-party electronic payment processors or service providers (ESPs). As required, you permanently authorize us to instruct such ESPs to handle Account deposits and withdrawals from your account.

You also permanently agree that in accordance with your requests as submitted, we may give such instructions on your behalf. You agree to be certain of the terms and conditions of use of each appropriate ESP. In the event of a conflict between these Agreements and the ESP’s terms and conditions, these Agreements shall prevail.

Software service charges rules

SilkRummy.com is a safe and secure website and believes in responsible gaming Hence kindly find the detailed information about the house cut fees (software service charges) for Rummy below.

Rummy-Games:

In case of Rummy Game, the software service charges collected will be mentioned on each table separately. , and will be a percentage of the winning amount which has been won by the winner of a particular game.

For instance, if the winner wins an amount of ₹ 200 on a table which attracts 12% service charge, ₹ 24 chips will be deducted as the software service charge amount and the balance amount of ₹ 176 would be credited to the account of the particular winner. Such service charge of inclusive of the required taxes.

The software service charge amount shall be collected at the end of every game during the announcement of the winner and the balance amount shall be credited to the winner’s account.

In Case of Multiple Winners:

If in the particular game there is more than 1 winner, the software service charges rules for that game will be the same and would be charged and deducted from the winner’s winning amount.

In Case of Joint Winners:

If in a particular game, there are joint winners who simultaneously win a particular game; the software service charges will be collected in the proportion of respective joint winners.

Note: If the software service charge is in decimal fraction, it will be rounded off to the nearest integer.

Refunds and cancellations

Any real money in your account is your actual account balance. Any winnings would be added and/or losses incurred from using the services, entry or other fees, previously withdrawn money by the User, any promotional money or winnings generated therefrom, or amount forfeited by us for any suspected fraud or rejection or cancellation of the transaction(s) by your or any third party bank, resulting of charge-backs, insufficient funds or any other reason would subsequently be subtracted. Also levied would be the Inactive Account Fees.

A cash-out request will be accepted when catered to deposit method restrictions, bonus restrictions and/or Security Reviews. You can withdraw amounts only within your transaction limits and levying any after any processing fees for withdrawal User can request for a refund anytime online. With Wyz Games India Private Limited, the user account will be checked for any games played or bonus claims and the request will be processed within 2 weeks. A request for cancellation of any transaction would be processed within 2 weeks given the player has the balance of the transaction in his/her account.

Any amount from your winnings may be reported and withheld complying with any applicable law. It is solely your responsibility to deal with all the taxes involved with your winnings. Neither prize money nor balance can be redeemed for any other prize nor can it be transferred. When withdrawing, payment will be made to you either by cheque or bank transfer.

Although payment processing will be made as soon as possible, due to our Security Reviews, payments may be delayed and withheld by us.

Silkrummy reserves all rights to close player accounts and forfeit related balances and/or take any other appropriate action, including legal action, in the event of submission of incomplete or false KYC information, creation of multiple accounts, suspicious movement of money into multiple unrelated accounts, inoperativeness of the account for more than 365 days, or any suspicious, fraudulent or illegal behavior.

Third-party content

Wyz Games India Private Limited will not stand the use of any abusive or offensive language on our chat boards or any other platforms. Also, you are not allowed to make false or damaging comments with regard to the company in any media or forum.

We hold the right to reject or delete any text, files, images, photos, video, sounds, or any other material that breaches the terms in accordance with our third-party content policy posted by you on any platform. Any violation may result in the removal of the third party Content, a suspension of your use of the Services, and/or any suitable action as may be required by us to ensure the agreement.

Disconnections and technical issues

In case of any technical failures, server crashes, breakdowns, software defects, disruption or malfunction of service, as a policy, Wyz Games India Private Limited will cancel the games and refund the bet amounts after proper verification and no rake will be taken from such games and you accept that Wyz Games India Private Limited is not responsible to you in all such cases. Wyz Games India Private Limited is also not liable for any prospective winnings from any incomplete tournament.

Wyz Games India Private Limited does not hold any liability to any disconnection, lag, freeze or interference in a network on the user’s computer or any other external networks. In case of any disruption for an on-going game, the game will be manually canceled by Wyz Games India Private Limited and the points/chips shall be refunded irrespective of the status of the game.

For any game, Wyz Games India Private Limited has the right to cancel and refund the points/chips. In no case, other than a server crash, Wyz Games India Private Limited does not take into account for any of the player’s disconnections from the server.

Disclaimers and indemnification

By registering, you are considered to have accepted and understood all the Terms and conditions. We recommend that you keep a copy of all transactions, rules of playing, cancellation and payment policies. Our failure or delay to act or exercise any right or remedy with respect to a breach of any of these Terms and conditions by you does not surrender Our rights to act with respect to any prior, concurrent, subsequent or similar breaches.

Any competition or tournament organized by us on the Website shall be governed by these Terms and conditions and any additional terms and conditions which may be explicitly defined for a competition or tournament.

The company and/or its website and/ solely reserve the right to singly change the terms and conditions and update the same on the website. It is the user’s responsibility to check the updated terms and conditions on a regular basis and to decide whether to continue his membership on this website or not. At any point of time, you may choose to discontinue the use of our website or any services offered by the company.

If you continue to use the Service/product or the Software, you will be responsible for your acceptance of the changes to this Agreement. If any judicial or quasi-judicial body in India declares any of these Terms or conditions to be unlawful, invalid, void or unenforceable for any reason, the validity and enforceability of the remaining Terms and conditions will not be affected. Any such inappropriate Term or condition will be replaced by another term that is valid and enforceable and is in most nearly with effect to the original invalid term.

By agreeing to the terms of use you agree to the fact that the information you have provided to the company, website or affiliate on our website and its affiliates, will be used by the company and its affiliates as considered appropriate. Our methods of gathering information may change from time to time and our privacy policy may be modified too. These changes will be posted on this page. You can always understand the information we collect, how we use it, and under what circumstances we disclose it.

Warranty

The company disclaims any and all warranties expressed or implied, in connection with the software, the site and the games, all of which are provided to the user “AS IS”. Your access and use the website at your sole risk. The Company explicitly disclaims all warranties or conditions of any kind, express, implied or statutory, including without limitation the implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose.

Without limiting the foregoing, the company does not represent or warrant,

The quality, fitness for purpose, completeness, merchantability, non-infringement or accuracy of the software, the site and the games,

The suitability of the information contained in the documents or other information published on this site,

Continuous, error-free, secure or virus-free operation of SilkRummy.com or its content including software, games, your account or continued operation or availability of any facility on SilkRummy.com,

That the defects in the website will be corrected,

That the website or the servers that operate the website are free of viruses or other harmful components,

That the data, results and information within the website will be correct, accurate, adequate, useful, reliable or otherwise and

That the website will meet your needs, requirements or expectations.

No person affiliated, or claiming affiliation with the Site has authority to extend such Warranties.

You undertake and agree as under:

The Company does not promise or ensure that you will be able to access your account whenever you want. It is entirely possible that you may not be able to access your account or the Services provided by the Company at times or for extended periods of time due to, but not limited to system maintenance and updates.

You are aware that participation in the games of skill organized by us may result in a financial loss to you. With full knowledge of the facts and circumstances surrounding the activity, you are voluntarily participating in the activity and assume all responsibility for it and the risk resulting from your participation, including all risks of financial loss. The Company makes no guarantees, warranties, representations, or other promises relative to the activity, and assumes no liability or responsibility for any financial loss that you may sustain as a result of participation in the activity.

You agree to indemnify and hold the company, its employees, directors, officers, and agents harmless with respect to any and all claims and costs associated with your participation in the activity. You acknowledge that you are solely responsible for any action that arises from your participation in this activity or around this activity, regardless of occurring before, during or after the period of the activity.

To hereby save, hold harmless, discharge and release the company from any and all liability claims, causes of actions, damages or demands of any kind and nature, whatsoever, that may arise from or in connection with your participation in the activity.

You will be solely responsible for any delay and/or damage to your computer systems or loss of data that results from the installation of website games or software on your computer and the website expressly disclaims liability for any such failure delay or failure.

You are solely responsible for maintaining the confidentiality of your account access credentials (i.e. Username & password) and financial instruments (i.e. Credit/Debit card number).

You agree to assume the entire risk as to the results and performance of any software and/or games availed by you on www.SilkRummy.com. As such, the result and performance among other things depend on your Internet connection and hardware. You also assume the entire cost of all servicing, repair and/or correction of your hardware when you access, download or execute software or games available on www.SilkRummy.com. The Company explicitly disclaims liability for any delay or failure to perform resulting from the installation of its games or software on your computer.

You specifically acknowledge, agree and accept that we are not liable to you for:

The defamatory, offensive, or illegal conduct of any other player or for anything that turns out to be misleading, inaccurate, defamatory, threatening, obscene, or otherwise illegal whether originating from another player or otherwise.

Any loss whatsoever arising from the use, abuse, or misuse of your account on our Website.

Any loss incurred in transmitting information from you to our Website by the internet or by other connecting media.

Any technical failures, system breakdowns, defects, delays, interruptions, manipulated or improper data transmission, loss or corruption of data or communications’ lines failure, distributed denial of service attacks, viruses or any other adverse technological occurrences arising in connection with your access to or use of our Website.

The accuracy, completeness or currency of any information services provided or any statistics shown on the Website.

You agree to indemnify, defend and hold the Company, harmless from all claims, damages and expenses made by any third party arising out of:

Your content, or

Your violation of these Terms or Privacy Policy, or

Use of www.SilkRummy.com by any other person accessing the Services using your username or password, whether or not with your authorization

The Company reserves the right to change, modify or delete the sites, information, and terms & conditions listed on this site at any time without prior notice.

Limitation of liability

You clearly understand and agree that the company shall under no circumstances (including, without limitation, in contract, negligence, or other torts), be liable for any direct, indirect, ancillary, special, incidental, consequential or exemplary damages.

This includes, but is not limited to injury, claim, loss of data, loss of income, loss of profit or loss of opportunity, loss of or damage to property, damages for monetary loss, goodwill, use, data or other intangible loss (even if the company has been advised of the possibility of such damages), resulting from or arising out of the use of or the inability to use the service, even if we have been advised or become aware of the possibility of such damages or loss or that such loss was enforceable. You agree to indemnify us against any claims in respect of any such matter.

Governing law and jurisdiction

This Agreement shall in all respects be governed, interpreted by, and construed in accordance with the laws of India. All disputes, differences, complaints etc., shall be subject to Arbitration under the Indian Arbitration and Conciliation Act, 1996. The arbitrator will be appointed by the company after due consent from the company and the user. The place of arbitration shall be Bengaluru, Karnataka, India.

There could be instances where the company is not able to receive prompt updates about the change in the applicable laws of your place of stay. Please ensure that any activities you engage on the Website are legal as per the applicable laws. You agree to indemnify and hold harmless the company or its website from any claim, demand, damage, or loss whatsoever coming out due to your non-compliance with the laws of your jurisdiction.

Contact us

In case of any questions or assistance, feel free to contact us any time, In case of any change in your personal information, please contact Customer Service. In case, if you forget your password, or suspect that someone else has learned and used your password please contact Customer Services. Also, in case of any clarification that you may wish to seek regarding anything, please feel free to contact us through customer services at support@SilkRummy.com

Accepting the terms of use

You hereby accept the fact that you have read, understood and are willing to abide by the above Terms and Conditions.

Chat etiquettes and abuse

SilkRummy.com believes in giving its players a world-class gaming experience. SilkRummy.com’s table chat feature is an important add-on towards this endeavour. SilkRummy.com, however, does not believe in excessive censorship of the chat that takes place on its tables. It is, therefore, important that the players understand the etiquettes and rules of the table chat.

Behavior falling in any of the below-mentioned categories may result in revocation of chat privileges of the player, and in certain cases, disqualification of player account from the website. SilkRummy.com reserves full and final authority in any such disciplinary cases.