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Rummy Passion Platform Introduction

Your use of the products and/or services presently available or to be made available in the future by Passion Gaming Private Limited with CIN U74900HR2015PTC076967, its business partners, licensors, its subsidiaries, affiliates and confederates is subject to and regulated by these Terms of Use.

You explicitly and implicitly understand that the Terms of Use stated here will be binding on you. You agree that all or any products and/ or services offered on RummyPassion.com Platform can be used only in agreement with the Terms of Use and you shall be responsible to act in accordance with the Terms of Use at all times. The onus of reading, understanding and agreeing to the Terms of Use published by RummyPassion.com always lies with you. If, at any point in time any of the Terms of Use are regulated be null, prohibited, unsound, or unenforceable by any judgement by any judicial or quasi - judicial body in India, it will not impact the applicability and compliance of any of the remaining Terms.

If RummyPassion.com fails to or postpones action to exercise any right or remedy with respect to a breach of any of the Terms of Use by you, this failure or delay shall not be understood as a waiver of our right to act with respect to the said breach or any prior, concurrent, subsequent or similar breaches. All products, programs, marketing events, promotions, contests and tournaments offered or run by us on RummyPassion.com shall be governed by the Terms of Use and any annexures provided in the “Terms and Conditions” section specified for that product, program, service, marketing event, promotion, contest and tournament.

Applicability

Before you register with us, you must read and understand all the TERMS OF USE specified on the RummyPassion.com Platform; and all rules, limitations and restrictions that apply to the product, tournaments, promotions and contests offered on the RummyPassion.com Platform.

For your ease we provide you with links to each section separately; however, you are bound by terms stated in each section and all the sections collectively.

Rummy Player Age and Legality

The product and/or services including playing of free and Real Money Games is restricted to persons who are 18 years of age or older and are bona fide residents of India, except for the states of Andhra Pradesh, Assam, Nagaland, Odisha, Sikkim, and Telangana. We may limit access to our product and/or services at our discretion. By reading this document you confirm that you are not accessing our product and/or services from anywhere in the state of Andhra Pradesh, state of Assam, state of Nagaland, state of Odisha, state of Sikkim, state of Telangana or outside India.

Taxes and GST

As of April 1, 2023, the below stated TDS (Tax Deducted at Source) policy will apply to all Rummy Passion users:

1. Rummy Passion will deduct tax at source or TDS at the rate of 30% on our users’ Net Winnings during the Financial Year. TDS will be deducted in two situations: When a user makes a withdrawal of any amount from their account with us during the financial year: and or At the end of the Financial Year.
2. TDS at the rate of 30% will be deducted on the Net Winnings, if Net Winnings are positive. This deduction will take place at the time of withdrawal or refund of deposit.
3. TDS at the rate of 30% will be deducted on the positive Net Winnings remaining in the user account. It shall exclude Net Winnings from which TDS has previously been deducted during the course of that Financial year.
4. At the end of the Financial Year, all the amounts that remain in the user accounts after deduction of TDS will be carried forward to the new Financial Year. Since applicable TDS has already been deducted from such amounts, no further TDS will be applicable to such amounts.
5. No carry forward of Net Winnings or Losses to the next Financial Year shall be permitted.
6. In case the Net Winnings of a user diminish or become negative, then, the user while filing their annual income tax return, may claim a refund of the excess TDS deducted and paid by Rummy Passion on their behalf.
7. Users will be permitted to withdraw their winnings only after they provide their PAN details and only after the TDS has been deducted from the amounts withdrawn. Rummy Passion will verify the PAN details of its users from time to time. Rummy Passion has the right to forfeit any winnings in cash or kind if the users PAN details are unverifiable, incorrect or are found to be inaccurate during verification. Failure by the user to provide correct PAN details to Rummy Passion as per its Terms of use will result in their inability to make a withdrawal from their account. It is the users responsibility to provide their PAN card details to Rummy Passion in order to claim any refund based on their TDS return filing. If the user does not provide their PAN details before the end of the Financial Year, Rummy Passion will deduct TDS on positive Net Winnings at the end of the Financial Year and pay to the government authorities on a nameless basis. In such a case the user will not be able to claim any refund on such TDS paid while filing their income tax returns and Rummy Passion will not be liable.
8. TDS and / or any other taxes levied by the Government of India are subject to change and all applicable taxes will be deducted from the users account. All rates mentioned herein are exclusive of surcharge and cess as may be applicable. Rummy Passion will provide the user, a certificate of taxes deducted. Rummy Passion is not a tax advisory body and is in no way responsible for the users tax liability or filing.

Definitions

1. Net Winnings: Net Winnings in any period means the sum of Net Winnings across all games played in that period. It means the total amount of money won by the user minus the total entry fee paid by the user in that period.
2. Game: means any single game or tournament of any format offered by Rummy Passion.
3. Winning in a game: Winning in a Game means the prize, either wholly in cash or wholly in kind or partly in cash and partly in kind, distributed by Rummy Passion, at the end of the Game. To clarify further, if a user wins nothing in a game, their Winnings will be considered as (0) zero.
4. Entry Fee in a game: the amount of money which is contributed by the user from the amounts lying in their user account on Rummy Passion for playing a game at any time before the game starts, during the game or at the end of the game offered by Rummy Passion.
5. Withdrawal: Any amount withdrawn from a user account maintained with Rummy Passion to the user’s bank account.
6. Net Winnings at the time of any withdrawal in a financial year means the net winnings from April 1 of that financial year to the time of such a withdrawal.
7. Net Winnings at the end of a financial year means net winnings from April 1 to March 31 of that financial year.

Please note that the TDS Policy is based on Rummy Passion’s understanding of the provisions as introduced/ amended by Finance Act, 2023. We reserve the right to modify or amend the TDS Policy based on the law applicable at the relevant time. The company reserves the right to make changes to its TDS policy at its discretion without giving prior notification to its users. TDS rate as well as its applicability is subject to changes from time to time as required by law.

Situations and Examples:

Here are a few examples to help users understand TDS deductions in different situations:

Situation 1

If at the time of withdrawal, the user has positive net winnings, then 30% TDS will be deducted on the net winnings (on which TDS has not been deducted) comprised in such withdrawal at the time of withdrawal.

Example:

In the above scenario, if you want to withdraw ₹ 8,000, then:

Situation 2

If you have paid TDS in previous withdrawals, then no TDS is applicable on your net winnings on which you have already paid TDS.

Example:

In the above scenario, if you want to withdraw ₹ 6,000, then:

Situation 3

You have paid TDS on net winnings in withdrawal during the financial year but your net winnings have reduced or reduced to negative net winnings post that.

Example:

In the above scenario, if you want to withdraw ₹ 7,000, then:

If your net winnings decline or become negative net winnings, then, subject to applicable law, the excess TDS deducted and remitted by us can be claimed as a refund while filing your annual income tax return.

Situation 4

At the end of the financial year if you have net winnings, TDS will be calculated on that portion of net winnings on which TDS has not been deducted during the financial year and the remaining amount will be carried forward to next year as account balance. This account balance will not be subject to TDS in the next year.

Example:

In the above scenario, following calculation is done:

For real money games, contests, tournaments, marketing events and loyalty points program, Rummy Passion levies a service charge commonly known as ‘Rake’. The rake is a gross percentage levied for facilitation of game play which is inclusive of applicable GST. The service charge (inclusive of applicable GST) levied is subject to change from time to time and shall be updated at the time when the change is proposed. The company reserves the right to levy service charge (inclusive of applicable GST) at different rates for different games organized by the company.

Creating and using your User Account

You must complete the registration process on our website in order to access our products and/or services. When you complete the registration process on our website, you automatically confirm your acceptance of and your agreement to our Terms of Use.

To complete the registration process on our website, you will have to choose a login name and a unique password. Besides these, you will be required to submit additional details which are compulsory. You will be asked to provide further details for us to verify you as a valid user. If you choose to play “Cash Games”, you will need to provide information including, but not limited to your legal name and residence, age, gender, email address, mobile number etc. You are responsible for providing us with correct and complete information and also for keeping this information updated.

Also, you shall provide true and complete information as required of you on our website. Rummy Passion or Passion Gaming Private Limited or any of its partners or affiliates is not responsible for consequences that may arise as a result of you submitting untrue, incorrect or incomplete information.

At any point, we may require documentation for verification of all or part of the information you provide or have provided in the past. Your failure to do so will result in the suspension or cessation of your registration with us. You hereby confirm the following.

• All Information supplied by you is correct
• You are not a politically exposed person
• You have not Self-Excluded yourself on any other rummy websites
• You have not been convicted of any crimes
• You are not on the UN sanction list/ works for UN sanction list

If a Player does not play any cash game for a period of 365 days, then that account will be considered as ‘Dormant’ Account. RummyPassion will notify player multiple times during this 365 day period to either withdraw or play cash games. However, once an account is Dormant, any funds available in that account will be removed. Once removed, players will no longer have access to those funds. Dormant Accounts will not be closed/blocked and the players are free to make deposits and play cash games to activate those accounts.

Playing games is meant to be a fun and entertaining activity, but we do understand that some players may find it difficult to control the frequency of their game play, and this in turn may lead to behavior which may be unsafe for them. At Rummy Passion, we want to act “Responsibly” and want to take steps to ensure that all players enjoy safe and secure gaming in a responsible manner. We are committed to helping players who wish and need to limit the amount and time they spend to play. Rummy Passion encourages all its players to play responsibly.

Statements by the User

All personal details provided by you during the registration process or at anytime thereafter must be complete and truthful. You are responsible for notifying us on any changes that have taken place in your personal details from the time of your registration with us.

Protection of Your Personal Details

You acknowledge that you undertake the responsibility of protection of all details you submit on the RummyPassion.com Platform. This includes but is not limited to your Username, Password, Email address, Postal Address Details and Mobile number. You should not purposefully or accidentally share your login ID or login password details with anyone. It is your responsibility to not allow anyone else to use your username and play from your account at anytime. You completely understand and are in agreement that RummyPassion.com or its partners or subsidiaries will not be liable for details that you or anyone else provides, or actions taken resulting in misuse by another person. RummyPassion.com is not liable under any circumstance if your user ID or password is revealed on its website or any other websites. For this we suggest that you log off your computer or mobile device completely once you have finished playing at the RummyPassion.com Platform.

You understand and completely agree to use your own RummyPassion.com account specifically to only play on its website. All transactions that you undertake on the RummyPassion.com Platform will be to access or use products and or services provided by RummyPassion.com. If you use your user account for any other purpose besides what is stated in the Terms of Use, it will cause your account to be shut down and will result in seizure of prizes, bonuses and balance in your user account.

You understand and are in agreement with the fact that all deposits made to your user account which is held with RummyPassion.com is solely for playing cash games offered on its website. All deposits and withdrawals made into your account are specifically to be used by you and cannot in any circumstance be transferred to anyone else.

You understand and agree that balance in your user account held at RummyPassion.com does not carry any interest or yield.

You agree to seek clarity on the legality of accessing and then playing cash games in your geographic area before you add cash to your user account or take part in the cash games. You must also be legally permitted to transact and play in INR (Indian Rupees). If you are not permitted to legally play cash games or transact in INR through banking channels and, or are accessing RummyPassion.com or any of its partner or affiliate platforms from a jurisdiction that legally does not allow participation in real money or cash games, you are automatically deemed to be in violation of the Terms of Use and as a result we will forfeit your prizes and or winnings.

You understand that you need skills and comprehension of all rules of the Games of Rummy to participate in cash games and that you are willing and physically and mentally capable of doing so. You are singularly responsible for all outcomes of you participating in the cash games, being associated obviously or tacitly with cash games. You clearly understand that RummyPassion.com is not liable or responsible for any financial or time loss that may be incurred by you because of your participation in cash games at RummyPassion.com.

You must be 18 years of age or older to access and play cash games and transact with RummyPassion.com. You understand and agree that you are participating in cash games voluntarily. You understand completely that playing cash games can result in a money loss to you and that you undertake full responsibility of the consequences that are a result of participating in cash games, including financial risk. You consent to indemnify RummyPassion.com, its officers, employees, directors, partners and agents from liability of any claims or costs of your participation in cash games in case of your financial or time loss.

Your participation in products or services does not qualify you to receive a prize or money from RummyPassion.com. Your skills, understanding and application of game rules and ability to play better compared to your opponents will decide the outcome of the cash games.

You are individually and singularly accountable for all matter you post, share, upload, transmit, or make available through any other means on the RummyPassion.com Platform. All matter that you post should be free from plagiarism or it should be licensed to you or it must legally belong to you. By making any content public on the RummyPassion.com Platform, you grant us a fee-free, worldwide, non-absolute, perpetual and transferable right to use, copy, reproduce, update, change, publish, translate, create imitated works from, transmit, distribute, publicly display, and publicly perform your content and to use such content for marketing initiated and created by RummyPassion.com or our partners or affiliates. Such content may include, but not be limited to, your name, gender, photographs, quotes, username or location. You do not have any legal or rights, legal or otherwise, in any part or whole of your content. You give the right to RummyPassion.com or its partners, associates or affiliates to use all communication provided by you in any manner whatsoever.

RummyPassion.com holds the right to record all user inputs and content, including email communication and chat messaging on the platform or communication sent by users electronically or via post through built-in interactive features on its platform. RummyPassion.com and our licensors reserve the right to use your data to gain insights, conduct research, develop new technologies and for risk management.

If for any reason whatsoever, you are unable to log on and operate your user account or are unable to play any game or participate in any contest, competition or tournament, you shall not hold RummyPassion.com responsible.

Rummy Bonuses and Promotions

Terms and conditions applicable to bonuses, promotions and other marketing activity are written under the Promotions Tab on the RummyPassion.com Platform. You agree to read, understand and accept all these terms and conditions before you claim bonuses, promotions and other marketing initiatives. To see the latest promotions, visit our Rummy Promotions section.

User Account Verification and Authentication

RummyPassion.com may seek to verify its players' user accounts via phone calls or emails. More than one attempt may be made to communicate with you. If you do not provide us with a correct phone number or email address, or, fail to update your personal information, we bear no responsibility for interruption of services due to us being unable to reach you.

We may block your services if we are unable to reach you. You may not be able to log into RummyPassion.com, make a deposit, withdraw funds or play games if the validation is unsuccessful and till the time that we are able to satisfactorily validate your user account. We will ask you to submit a valid proof of identification and proof of address as we may require it from time to time. Once we receive valid documents from you, your user account will be reinstated. It may take a few working days to do so and may not happen immediately.

If upon making several unsuccessful attempts at contacting you or in the event that you are unable to provide valid documentation as required by us, we hold the right to delete or suspend your user account and refund the funds in your user account after adjusting any processing fee, taxes, service charges, or any other transactional cost that is applicable. Refunds will be made in the form of a cheque which will be mailed to the address provided by you. If you provide an incorrect mailing address, RummyPassion.com will not make further attempts for delivery of the cheque.

User Constraints

You accept that you yourself will play all games on our platform and will not take external assistance of any kind to play. You agree not to use or create cheats, hacks, bots or automatic play, software, external or internal device or any other unauthorized component which is capable of blocking, modifying, manipulating, mining, intercepting, collecting or relaying information from or to the RummyPassion.com Platform. Use of external assistance of any kind is strictly prohibited while accessing RummyPassion.com Platform or playing games on it. Furthermore, Rummy Passion confirms that there are no use of bots or automatic play by the company.

Fraudulent behaviour including chip dumping, forming teams and collusion between you and any others for participating in games or tournaments organized on the RummyPassion.com Platform or any other form of deception is banned. If any fraudulent behaviour by you is ascertained, the game or games in question will be rendered null and void and will initiate an action against offenders. Any winnings, rewards or deposits to such blocked accounts for fraudulent behaviour will be forfeited and will be confiscated.

All bonuses, rewards, points, prizes and winnings are solely for a specific user. These cannot be transferred to another user account. If you attempt to transfer such winnings, rewards, points, prizes or bonuses to a user account which is not yours, such winnings and rewards will be forfeited.

Sending unsolicited communication or SPAM emails in order to get registrations for RummyPassion.com or to benefit from its Refer a Friend program is strictly prohibited.

Money Laundering including, but not limited to attempting cash withdrawal of unused funds added through credit cards or deliberately losing money to a specific player(s) is prohibited at RummyPassion.com.

You can only register as a single user and hold a single user account on RummyPassion.com. You cannot create or use multiple user accounts using multiple email ID’s. Multiple user accounts even if linked to separate and unique email ID’s are considered invalid by RummyPassion.com. All activity from multiple user accounts of any one single individual will be rendered null and void.

You are prohibited from creating a user account to upload or post, distribute, share, transmit or publish content on the RummyPassion.com Platform or on any of its social media assets that is obscene, abusive, criminal, illegal, malicious, threatening, menacing or invades privacy.

Products and / or services of RummyPassion.com cannot be used for any commercial intention such as but not limited to use in a gaming club, cyber cafe, network play online or to connect to unauthorized servers that copy the gaming experience on the RummyPassion.com Platform.

Any action by you to introduce and transmit such content that may contain computer viruses or computer contaminants as described in the Information Technology Act 2000 or other laws applicable in India which may sabotage and stop or limit the functionality of software, equipment or machinery owned or operated by RummyPassion.com or which is used for providing products and services by RummyPassion.com is strictly prohibited.

Seeking another person’s user ID, password, account details or personal details or accessing the email database of users or gathering their personal details including recording their activity on the RummyPassion.com Platform is strictly prohibited.

Any person or persons who are employees, directors, officers or agents of Rummy Passion or are related to such persons, are not allowed to play any Real Money Games on the RummyPassion.com Platform, other than in the course of their employment with Rummypassion.com. Related persons in this case refers to any person or persons who are legally related to employees, directors, officers or agents of Rummy Passion and include spouse, financially dependent children and financially dependent parents.

Any activity carried out by you that constitutes fraud and is or is not stated in our Terms of Use is prohibited.

Complaint Redressal

You can contact us in case of any query. Our customer service team will try to resolve your query in maximum period of 24 hours.

• In case a player is not satisfied with resolution provided, he or she can escalate the issue by writing directly to This email address is being protected from spambots. You need JavaScript enabled to view it. .
• An Escalation at this stage will be resolved within 48 hrs by Customer Service Head.

• In case a player is not satisfied with resolution provided in Tier 1 Escalation, he or she can further escalate the issue by writing to This email address is being protected from spambots. You need JavaScript enabled to view it. .
• An Escalation at this stage should be resolved within 1 week by Operations Head.

Financial Transactions

All Payment and Withdrawals transactions on the RummyPassion.com Platform shall be conducted in Indian Rupees.

All deposits and withdrawals must be made through your user account at RummyPassion.com. You may participate in Cash Games and Rummy Tournaments only through your specific user account at RummyPassion.com.

You will be able to make payments into your user account using accepted payment instruments which you are authorized to use. RummyPassion.com may restrict the amount of money you can add to your user account as management at RummyPassion.com wants you to play responsibly.

Processing of payments made via credit card, debit card, e-wallets, prepaid cash cards and internet banking are processed through gateways owned and operated by third-party payment. As third parties who process such payments require authorization, RummyPassion.com is not responsible for disruptions, denials or delays caused at the payment processors end. Only when your transaction is authorized, the funds will be credited to your user account and will be available for you to participate in Cash Games.

RummyPassion.com can cancel a transaction at any time based on its discretion. If before the transaction is cancelled, the payment is successful, the transaction will be reversed. The money in such case will be credited back to your payment instrument. In case of cancellation request or refund request initiated by the user, Rummy Passion will upon its discretion credit the user's account with the refund amount or cancellation amount in 3 to 5 business days.

Rummy Passion prohibits players from using someone else’s financial account/s (Net banking/Debit Card/Credit Card/Digital Wallets, etc) to make a deposit and fund their Rummy Passion Account. We may ask players to share proofs of deposits made (Credit Card/Digital Wallet/Bank Statements, etc.) for confirmation. If detected at a later stage that a player has used somebody else’s account to deposit, Rummy Passion reserves the right to close the account, confiscate funds/refund funds to source account or any other action the company deems to be appropriate.

Withdrawals

You may withdraw your winnings via an account or via an electronic bank transfer.

You can send a withdrawal request to withdraw your winnings. Withdrawal limits and bonus or prize restrictions are applicable to all withdrawals. All bonuses including promotional winnings can be withdrawn when you have met the play through requirements specific to that bonus or prize and when you have made a minimum of one cash deposit and played at least one cash game at RummyPassion.com.

You may make as many withdrawals as you like. All withdrawals may be subject to a processing charge depending on withdrawal made without game play and/or number of Instant Withdrawals made.

In a rare situation if a cheque is issued, RummyPassion.com will assume all cheques that are not cashed within 30 days of dispatch to be lost and has the right to cancel that cheque. We hold the right to instruct to our bank to stop payment of that cheque. In such a case, the cheque may be dishonoured and RummyPassion.com will not be liable or responsible for that cheque amount to you. You may submit a request for reissuing of the cheque which RummyPassion.com will execute subject to deduction of applicable processing charges from the amount of the cheque.

Our effort is to process your withdrawals within the stipulated time but there could be delays because of time needed to complete verification and completion of the withdrawal transaction. However, once your withdrawal is approved by us, you should receive it within 24 hours. In a situation, if you do not receive your withdrawal within 3 days, you can contact us through our redressal system. RummyPassion.com is not liable to pay you any compensation for delays in remitting payments to you due to wrong bank details provided by you or banking delays.

You can only play and participate in games, contest, tournaments, competitions and other services, offered by RummyPassion.com if you are a legal resident of India and must be present in India while accessing the products and/ or services offered by Rummy Pasion. You must be a resident of India and be physically present to claim a winning also.

Interruption of Service

If you face interruption of services due to any reason including slowness or disruption of Internet services or communication interferences or caused by the hardware or software you are using, RummyPassion.com is not responsible or liable for any losses caused to you.

Violation of Terms of Use and Consequences

In case there is reason for RummyPassion.com to believe that you have directly or through a third-party violated any of the Terms of Use, then at its own discretion, RummyPassion.com may take the following actions:

• Permanently cancel your User Account and bar you from re registering on the RummyPassion.com Platform.
• Cancel any games and, or winnings from prior games.
• Forfeit the cash amount in your user account.
• Take legal action against you.

Suspension of your User Account

Your user account may be suspended if you are found to be in violation of the Terms of Use, abuse of the RummyPassion.com Platform or your user account, if there are charge backs on your user account or there is a security breach of your user account or your personal details.

In case we suspend your user account, you cannot question this decision and agree that this decision will be binding on you.

Modifications to the Terms of Use

RummyPassion.com holds the right to change, add or delete its Terms of Use at any time. You are obligated to keep yourself updated to the Terms of Use change.

Disclaimer

Products and/or Services and content on the RummyPassion.com Platform and the content published are "as is" and we hold no liability for any inconsistency or imprecise information displayed on this site. We are responsible for any oversight or content related mistakes. Our effort is to provide the correct and current information at all times. We call upon you, our player to report any inconsistency or inaccuracy that you observe so we may correct it.

RummyPassion.com endeavours to provide each player with an amazing online and mobile Rummy experience, but issues related to the app, software and server such as but not limited to viruses, faults and downtime may take place and these occurrences are beyond our control.

Marketing, branding and content on the RummyPassion.com Platform or communication sent by it are copyright protected. Use of such items without explicit permission of management at RummyPassion.com will be considered a violation of copyright and trademark laws and is punishable by law.

Dispute Resolution and Jurisdiction

The Terms of Use and Privacy Policy can be only interpreted according to the laws of India.

In case of any disputes, or claim that arises out of the Terms of Use or Privacy Policy, it shall be subject to the sole jurisdiction of the civil courts at Chandigarh.

Updated March 31, 2023Previous Version Previous to Previous Version