Terms and Conditions
- Through Ludo Wallet one can play a traditional ludo game against any real player who is online & can alsoplay against his / her friend.
- One can also play against computer to practice his / her moves.
Usage of Ludo Wallet
Certain Ludo Wallet Services being provided on Ludo Wallet may be subject to additional rules and regulations set down in that respect. To the extent that these Terms and Conditions are inconsistent with the additional conditions set down, the additional conditions shall prevail.
Ludo Wallet may, at its sole and absolute discretion:
- Restrict, suspend, or terminate any User's access to all or any part of Ludo Wallet or Ludo Wallet Services;
- Change, suspend, or discontinue all or any part of the Ludo Wallet Services;
- Reject, move, or remove any material that may be submitted by a User;
- Move or remove any content that is available on Ludo Wallet;
- Deactivate or delete a User's account and all related information and files on the account;
- Establish general practices and limits concerning use of Ludo Wallet;
In the event any User breaches, or Ludo Wallet reasonably believes that such User has breached these Terms and Conditions, or has illegally or improperly used Ludo Wallet or the Ludo Wallet Services, Ludo Wallet may, at its sole and absolute discretion, and without any notice to the User, restrict, suspend or terminate such User's access to all or any part of Ludo Wallet or the Ludo Wallet Services, deactivate or delete the User's account and all related information on the account, delete any content posted by the User on Ludo Wallet and further, take technical and legal steps as it deems necessary
If Ludo Wallet charges its Users a platform fee in respect of any Ludo Wallet Services, Ludo Wallet shall, without delay, repay such platform fee in the event of suspension or removal or the User's account or Ludo Wallet Services on account of any negligence or deficiency on the part of Ludo Wallet, but not if such suspension or removal is effected due to:
- any breach or inadequate performance by the User of any of these Terms and Conditions; or
- any circumstances beyond the reasonable control of Ludo Wallet.
Users consent to receiving communications such as announcements, administrative messages and
advertisements from Ludo Wallet or any of its partners, licensors or associates.
Ludo Wallet includes a combination of content created by Ludo Wallet, its partners, licensors, associates and/or Users. The intellectual property rights("Intellectual Property Rights") in all software underlying Ludo Wallet and the Ludo Wallet Services and material published on Ludo Wallet, including (but not limited to) games, Contests, software, advertisements, written content, photographs, graphics, images, illustrations, marks, logos, audio or video clippings and Flash animation, is owned by Ludo Wallet, its partners, licensors and/or associates. Users may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works of, distribute, publicly perform, publicly display, or in any way exploit any of the materials or content on Ludo Wallet either in whole or in part without express written license from Ludo Wallet.
- Users may request permission to use any Ludo Wallet content by writing in firstname.lastname@example.org
Users are solely responsible for all materials (whether publicly posted or privately transmitted) that they
upload, post, e-mail, transmit, or otherwise make available on Ludo Wallet("Users' Content"). Each User
represents and warrants that he/she owns all Intellectual Property Rights in the User's Content and that no
part of the User's Content infringes any third party rights. Users further confirm and undertake to not display or
use of the names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights of any third
party on Ludo Wallet. Users agree to indemnify and hold harmless Ludo Wallet, its directors, employees,
affiliates and assigns against all costs, damages, loss and harm including towards litigation costs and counsel
fees, in respect of any third party claims that may be initiated including for infringement of Intellectual Property
Rights arising out of such display or use of the names, logos, marks, labels, trademarks, copyrights or
intellectual and proprietary rights on Ludo Wallet, by such User or through the User's commissions or
Users hereby grant to Ludo Wallet and its affiliates, partners, licensors and associates a worldwide,
irrevocable, royalty-free, non-exclusive, sub-licensable license to use, reproduce, create derivative works
of,distribute, publicly perform, publicly display, transfer, transmit, and/or publish Users' Content for any of the
- displaying Users' Content on Ludo Wallet
- distributing Users' Content, either electronically or via other media, to other Users seeking to download or
otherwise acquire it, and/or
- storing Users' Content in a remote database accessible by end users, for a charge.
- This license shall apply to the distribution and the storage of Users' Content in any form, medium, or
All names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on Ludo Wallet(s)
belonging to any person (including User), entity or third party are recognized as proprietary to the respective
owners and any claims, controversy or issues against these names, logos, marks, labels, trademarks,
copyrights or intellectual and proprietary rights must be directly addressed tol the respective parties under
notice to Ludo Wallet.
Third Party Sites, Services and Products
Ludo Wallet may contain links to other Internet sites owned and operated by third parties. Users' use of each
of those sites is subject to the conditions, if any, posted by the sites. Ludo Wallet does not exercise control
over any Internet sites apart from Ludo Wallet, and cannot be held responsible for any content residing in any
third party Internet site. Ludo Wallet's inclusion of third-party content or links to third-party Internet sites is not
an endorsement by Ludo Wallet of such third-party Internet site.
Users' correspondence, transactions or related activities with third parties, including payment providers and
verification service providers, are solely between the User and that third party. Users' correspondence,
transactions and usage of the services of such third party shall be subject to the terms and conditions, policies
and other service terms adopted/implemented by such third party, and the User shall be solely responsible for
reviewing the same prior to transacting or availing of the services of such third party. User agrees that Ludo
Money will not be responsible or liable for any loss or damage of any sort incurred as a result of any such
transactions with third parties. Any questions, complaints, or claims related to any third party product or
service should be directed to the appropriate vendor.
Ludo Wallet contains content that is created by Ludo Wallet as well as content provided by third parties. Ludo
Money does not guarantee the accuracy, integrity, quality of the content provided by third parties and such
content may not relied upon by the Users in utilizing the Ludo Wallet Services provided on Ludo Wallet
including while participating in any of the contests hosted on Ludo Wallet.
All information collected from Users, such as registration and credit card information, is subject to Ludo
Website. In the event User does not abide by these Terms and Conditions and all other rules, regulations and
but not limited to:
- restricting, suspending, or terminating any User's access to all or any part of Ludo Wallet Services;
deactivating or deleting a User's account and all related information and files on the account. Any amount
remaining unused in the User's Game account or Winnings Account on the date of deactivation or deletion
shall be transferred to the User's bank account on record with Ludo Wallet subject to a processing fee (if any)
applicable on such transfers as set out herein; or
refraining from awarding any prize(s) to such User.
Users agree to provide true, accurate, current and complete information at the time of registration and at all
other times (as required by Ludo Wallet). Users further agree to update and keep updated their registration
- A User shall register or operate more than one User account with Ludo Wallet.
Users agree to ensure that they can receive all communication from Ludo Wallet by marking e-mails from
Ludo Wallet as part of their "safe senders" list. Ludo Wallet shall not be held liable if any e-mail remains
unread by a User as a result of such e-mail getting delivered to the User's junk or spam folder.
Any password issued by Ludo Wallet to a User may not be revealed to anyone else. Users may not use
anyone else's password. Users are responsible for maintaining the confidentiality of their accounts and
passwords. Users agree to immediately notify Ludo Wallet of any unauthorized use of their passwords or
accounts or any other breach of security.
Users agree to exit/log-out of their accounts at the end of each session. Ludo Wallet shall not be responsible
for any loss or damage that may result if the User fails to comply with these requirements.
Users agree not to use cheats, exploits, automation, software, bots, hacks or any unauthorised third party
software designed to modify or interfere with Ludo Wallet Services and/or Ludo Wallet experience or assist in
Users agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security
interest in, or otherwise transfer any right to the technology or software underlying Ludo Wallet or Ludo
Users agree that without Ludo Wallet's express written consent, they shall not modify or cause to be modified
any files or software that are part of Ludo Wallet's Services.
Users agree not to disrupt, overburden, or aid or assist in the disruption or overburdening of (a) any computer
or server used to offer or support Ludo Wallet or the Ludo Wallet Services (each a "Server"); or (2) the
enjoyment of Ludo Wallet Services by any other User or person.
Users agree not to institute, assist or become involved in any type of attack, including without limitation to
distribution of a virus, denial of service, or other attempts to disrupt Ludo Wallet Services or any other
person's use or enjoyment of Ludo Wallet Services.
Users shall not attempt to gain unauthorised access to the User accounts, Servers or networks connected to
Ludo Wallet Services by any means other than the User interface provided by Ludo Wallet, including but not
limited to, by circumventing or modifying, attempting to circumvent or modify, or encouraging or assisting any
other person to circumvent or modify, any security, technology, device, or software that underlies or is part of
Ludo Wallet Services.
Without limiting the foregoing, Users agree not to use Ludo Wallet for any of the following:
To engage in any obscene, offensive, indecent, racial, communal, anti-national, objectionable, defamatory or
abusive action or communication;
To harass, stalk, threaten, or otherwise violate any legal rights of other individuals;
To publish, post, upload, e-mail, distribute, or disseminate (collectively, "Transmit") any inappropriate, profane,
defamatory, infringing, obscene, indecent, or unlawful content;
To Transmit files that contain viruses, corrupted files, or any other similar software or programs that may
damage or adversely affect the operation of another person's computer, Ludo Wallet, any software, hardware,
or telecommunications equipment;
To advertise, offer or sell any goods or services for any commercial purpose on Ludo Wallet without the
express written consent of Ludo Wallet;
To Transmit content regarding services, products, surveys, contests, pyramid schemes, spam, unsolicited
advertising or promotional materials, or chain letters;
To advertise, offer or sell any goods or services for any commercial purpose on Ludo Wallet without the
express written consent of Ludo Wallet;
To download any file, recompile or disassemble or otherwise affect our products that you know or reasonably
should know cannot be legally obtained in such manner;
To falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of
the origin or the source of software or other material;
To restrict or inhibit any other user from using and enjoying any public area within our sites;
- To collect or store personal information about other Users;
- To interfere with or disrupt Ludo Wallet, servers, or networks;
To impersonate any person or entity, including, but not limited to, a representative of Ludo Wallet, or falsely
state or otherwise misrepresent User's affiliation with a person or entity;
To forge headers or manipulate identifiers or other data in order to disguise the origin of any content
transmitted through Ludo Wallet or to manipulate User's presence on Ludo Wallet(s);
To take any action that imposes an unreasonably or disproportionately large load on our infrastructure;
To engage in any illegal activities. You agree to use our bulletin board services, chat areas, news groups,
forums, communities and/or message or communication facilities (collectively, the "Forums") only to send and
receive messages and material that are proper and related to that particular Forum.
If a User chooses a username that, in Ludo Wallet's considered opinion is obscene, indecent, abusive or that
might subject Ludo Wallet to public disparagement or scorn, Ludo Wallet reserves the right, without prior
notice to the User, to change such username and intimate the User or delete such username and posts from
Ludo Wallet, deny such User access to Ludo Wallet, or any combination of these options.
Unauthorized access to Ludo Wallet is a breach of these Terms and Conditions, and a violation of the law.
Users agree not to access Ludo Wallet by any means other than through the interface that is provided by
Ludo Wallet for use in accessing Ludo Wallet. Users agree not to use any automated means, including,
without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of our sites, except
those automated means that we have approved in advance and in writing.
Use of Ludo Wallet is subject to existing laws and legal processes. Nothing contained in these Terms and
Conditions shall limit Ludo Wallet's right to comply with governmental, court, and law-enforcement requests or
requirements relating to Users' use of Ludo Wallet.
Users may contact Ludo Wallet Helpdesk with problems or questions, as appropriate.
Persons below the age of eighteen (18) years are not allowed to make any purchases or redemption on Ludo
Money & consequent participation in any activity on Ludo Wallet Website or application is not permitted and
such person is subject to disqualification at the sole and absolute discretion of Ludo Wallet, whenever it
comes to the knowledge of Ludo Wallet.
Ludo Wallet believes that parents should supervise their children's online activities and consider using
parental control tools available from online services and software manufacturers that help provide a child-
friendly online environment. These tools can also prevent children from disclosing online their name, address
and other personal information without parental permission.
Although persons below the age of 18 years are allowed to use certain Ludo Wallet Services on the Ludo
Money & it is limited to play only on practice mode.
Ludo Wallet may not be held responsible for any content contributed by Users on the Ludo Wallet.
In order to register for the Contest(s), Participants may required to accurately provide the following
- Name or User Name
- E-mail address
- Mobile Number
- Date of birth
- For getting any winning amount, participant may require to share his /her bank account details correctly
- Ludo Wallet is not liable for any transaction, if details provided by the user are incorrect.
- A participant will receive his/ her winnings in his bank account within 24-48 hrs of submitting redeem request.
- If there is any delay in receiving the winning amount, a participant can directly contact Ludo Wallet Helpdesk.
Participants may also required to confirm that they have read, and shall abide by, these Terms and Conditions.
In the event a Participant indicates, while entering an address, that he/she is a resident of either Assam,
Odisha or Telangana, such Participant will not be permitted to proceed to sign up for any round in the paid
version of the Contest as described below.
Contest(s), Participation and Prizes
Ludo Wallet offers a platform where one can purchase coins on Ludo Wallet through Credit card, Net
Banking, Debit card or Paytm wallet. Through purchased coins a participant can challenge his / her friend or
any random online player & can play a game against any opponent by selecting a proper playing table.
Any player who lose the game, will get its coins deducted at the very instant of losing the game equivalent to
the playing table amount & the player who wins the game will get the winning coins in his Ludo Wallet wallet.
For every winning, Ludo Wallet will deduct 18 % of the winning coins as a Platform fee & GST Taxations
Winning coins would be immediately reflected in the winners Ludo Wallet Wallet after deduction of Ludo
money platform fee.
A participant can redeem his/ her coins into the bank account or in Paytm wallet by submitting a redeem
request & by providing correct bank or Paytm details.
A participant can redeem coins from his / her Ludo Wallet wallet if & only if participant’s Ludo Wallet wallet has
minimum of 200 coins.
Ludo Wallet shall not charge any processing fee for the online transfer of winning amount from user’s wallet to
the User's bank account on record with Ludo Wallet. Users are requested to note that they will be required to
provide correct bank details accordingly.
Any player who exits the game in between or not play on his turn for thrice would be considered a loser &
coins would be deducted from his account & credited to winner’s wallet.
Ludo Wallet is not liable for any network connectivity issue faced by user.
Ludo Wallet will give user 120 seconds ( 2 minutes ) of airtime to resettle its connectivity & completion of
Only a participant can use his/her coins in 1 on 1 mode & Friends mode. Coins would be unutilized in practice
Legality of Game of Skill
Games of skill are legal, as they are excluded from the ambit of Indian gambling legislations including, the
Public Gambling Act of 1867.The Indian Supreme Court in the cases of State of Andhra Pradesh v. K
Satyanarayana (AIR 1968 SC 825) and KR Lakshmanan v. State of Tamil Nadu (AIR 1996 SC 1153) has held
that a game in which success depends predominantly upon the superior knowledge, training, attention,
experience and adroitness of the player shall be classified as a game of skill.
The contest described above is prominently a game of skill, once you get that number how you play involves a
strategy, planning & skill. Do you move the same token over and over again until it reaches the end? Or do
you move different tokens at different times to ensure that they stay safe and away from the opponent’s
tokens? Or do you use your token to kill the opponent’s tokens ? How to manage your tokens on the safe
points ( stars ) to let it unaffected by opponent’s token
Ludo is a game where lot of concentration, planning, strategy to understand opponent’s planning is required to
win a game.
A player with good experience & understanding of ludo skills with best of strategy building skills along with
excellent presence of mind can dominate.
Ludo Wallet therefore offers a practice mode to let all players play & test their skills before joining any paid
Ludo Wallet highly recommends that if a player is inexperienced or not good with ludo skills then he/ she
should spent lot of time playing on practice mode to enhance his /her skills as skills are really required to
correctly strategize the moves after getting a number on roll of dice
So a participant should have a high level of skill & need to have a good strategy in order to successfully win at
By participating in this Contest(s), each Participant acknowledges and agrees that he/she is participating in a
game of skill.
The Contest(s) are open only to persons above the age of 18 years.
The Contest(s) are open only to persons, currently residing in India.
Ludo Wallet may, in accordance with the laws prevailing in certain Indian states, bar individuals residing in
those states from participating in the Contest(s). Currently, individuals residing in the Indian states of Assam,
Odisha or Telangana may not participate in the paid version of the Contest as the laws of these states bar
persons from participating in games of skill where participants are required to pay to enter.
Persons who wish to participate must have a valid email address.
Only those Participants who have successfully registered on the Ludo Wallet as well as registered prior to
each round in accordance with the procedure outlined above shall be eligible to participate in the Contest and
All prizes shall be subject to deduction of tax ("TDS") as per the Income Tax Act 1961. Winners will be
provided TDS certificates in respect of such tax deductions. The Winners shall be responsible for payment of
any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money.
The decision of Ludo Wallet with respect to the awarding of prizes shall be final, binding and non-
Participants playing the paid formats of the Contest(s) confirm that they are not residents of any of the
following Indian states - Assam, Odisha or Telangana. If it is found that a Participant playing the paid formats
of the Contest(s) is a resident of any of the abovementioned states, Ludo Wallet shall disqualify such
Participant and forfeit any prize won by such Participant. Further Ludo Wallet may, at its sole and absolute
discretion, suspend or terminate such Participant's account with Ludo Wallet. Any amount remaining unused
in the User's Game Account or Winnings Account on the date of deactivation or deletion shall be reimbursed
to the User by an online transfer to the User's bank account on record with Ludo Wallet, subject to the
processing fee (if any) applicable on such transfers as set out herein.
If it is found that a Participant playing the paid formats of the Contest(s) is under the age of eighteen (18),
Ludo Wallet shall be entitled, at its sole and absolute discretion, to disqualify such Participant and forfeit
his/her prize. Further, Ludo Wallet may, at its sole and absolute discretion, suspend or terminate such
All prizes are non-transferable and non-refundable. Prizes cannot be exchanged / redeemed for cash or kind.
No cash claims can be made in lieu of prizes in kind.
If it comes to the notice of Ludo Wallet that any governmental, statutory or regulatory compliances or
approvals are required for conducting any Contest(s) or if it comes to the notice of Ludo Wallet that conduct of
any such Contest(s) is prohibited, then Ludo Wallet shall withdraw and / or cancel such Contest(s) without
prior notice to any Participants or winners of any Contest(s). Users agree not to make any claim in respect of
such cancellation or withdrawal of the Contest, or contest it in any manner.
Release and Limitations of Liability
Users shall access the Ludo Wallet Services provided on Ludo Wallet voluntarily and at their own risk. Ludo
Money shall, under no circumstances be held responsible or liable on account of any loss or damage
sustained (including but not limited to any accident, injury, death, loss of property) by Users or any other
person or entity during the course of access to the Ludo Wallet Services (including participation in the
Contest(s)) or as a result of acceptance of any prize.
By entering the Ludo Wallet and accessing the Ludo Wallet Services provided therein, Users hereby release
from and agree to indemnify Ludo Wallet, and/ or any of its directors, employees, partners, associates and
licensors, from and against all liability, cost, loss or expense arising out their access to the Ludo Wallet
Services including (but not limited to) personal injury and damage to property and whether direct, indirect,
consequential, foreseeable, due to some negligent act or omission on their part, or otherwise.
Ludo Wallet accepts no liability, whether jointly or severally, for any errors or omissions, whether on behalf of
itself or third parties
Users shall be solely responsible for any consequences which may arise due to their access of Ludo Wallet
Services by conducting an illegal act or due to non-conformity with these Terms and Conditions and other
rules and regulations in relation to Ludo Wallet Services, including provision of incorrect address or other
personal details. Users also undertake to indemnify Ludo Wallet and their respective officers, directors,
employees and agents on the happening of such an event (including without limitation cost of attorney, legal
charges etc.) on full indemnity basis for any loss/damage suffered by Ludo Wallet on account of such act on
the part of the Users.
Users shall indemnify, defend, and hold Ludo Wallet harmless from any third party/entity/organization claims
arising from or related to such User's engagement with the Ludo Wallet or participation in any Contest. In no
event shall Ludo Wallet be liable to any User for acts or omissions arising out of or related to User's
engagement with the Ludo Wallet or his/her participation in any Contest(s).
In consideration of Ludo Wallet allowing Users to access the Ludo Wallet Services hosted on the Ludo
Money, to the maximum extent permitted by law, the Users waive and release each and every right or claim,
all actions, causes of actions (present or future) each of them has or may have against Ludo Wallet, its
respective agents, directors, officers, business associates, group companies, sponsors, employees, or
representatives for all and any injuries, accidents, or mishaps (whether known or unknown) or (whether
anticipated or unanticipated) arising out of the provision of Ludo Wallet Services or related to the Contests or
the prizes of the Contests.
To the extent permitted under law, neither Ludo Wallet nor its parent/holding company, subsidiaries, affiliates,
directors, officers, professional advisors, employees shall be responsible for the deletion, the failure to store,
the mis-delivery, or the untimely delivery of any information or material.
To the extent permitted under law, Ludo Wallet shall not be responsible for any harm resulting from
downloading or accessing any information or material, the quality of servers, games, products, Ludo Wallet
services or sites, cancellation of competition and prizes. Ludo Wallet disclaims any responsibility for, and if a
User pays for access to one of Ludo Wallet's Services the User will not be entitled to a refund as a result of,
any inaccessibility that is caused by Ludo Wallet's maintenance on the servers or the technology that
underlies our sites, failures of Ludo Wallet's service providers (including telecommunications, hosting, and
power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of
nature, war, civil disturbance, or any other cause beyond our reasonable control. In addition, Ludo Wallet
does not provide any warranty as to the content on the Ludo Wallet(s). Ludo Wallet(s) content is distributed
on an "as is, as available" basis.
Any material accessed, downloaded or otherwise obtained through Ludo Wallet is done at the User's
discretion, competence, acceptance and risk, and the User will be solely responsible for any potential damage
to User's computer system or loss of data that results from a User's download of any such material.
Ludo Wallet shall make best endeavours to ensure that the Ludo Wallet(s) is error-free and secure, however,
neither Ludo Wallet nor any of its partners, licensors or associates makes any warranty that:
- the Ludo Wallet(s) will meet Users' requirements,
- Ludo Wallet(s) will be uninterrupted, timely, secure, or error free
- the results that may be obtained from the use of Ludo Wallet(s) will be accurate or reliable; and
- the quality of any products, Ludo Wallet Services, information, or other material that Users purchase or obtain
through Ludo Walletcom(s) will meet Users' expectations.
In case Ludo Wallet discovers any error, including any error in the determination of Winners or in the transfer
of amounts to a User's account, Ludo Wallet reserves the right (exercisable at its discretion) to rectify the
error in such manner as it deems fit, including through a set-off of the erroneous payment from amounts due
to the User or deduction from the User's account of the amount of erroneous payment. In case of exercise of
remedies in accordance with this clause, Ludo Wallet agrees to notify the User of the error and of the exercise
of the remedy(ies) to rectify the same.
To the extent permitted under law, neither Ludo Wallet nor its partners, licensors or associates shall be liable
for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use
our sites, even if we have been advised of the possibility of such damages.
Any Ludo Wallet Services, events or Contest(s) being hosted or provided, or intended to be hosted or
provided by Ludo Wallet and requiring specific permission or authority from any statutory authority or any
state or the central government, or the board of directors shall be deemed cancelled or terminated, if such
permission or authority is either not obtained or denied either before or after the availability of the relevant
Ludo Wallet Services, events or Contest(s) are hosted or provided.
To the extent permitted under law, in the event of suspension or closure of any Services, events or Contests,
Users (including Participants) shall not be entitled to make any demands, claims, on any nature whatsoever.