INTRODUCTION

By using and/or visiting any section (including sub-domains) of the RUPEE GAMING website or any other websites or applications that we own (the “website”) and/or registering on the website, you agree to be bound by (i) these Terms and Conditions; (ii) our Privacy Policy; (iii) the Rules applicable to our slots, Casino or other gaming products as further referenced at paragraph 2 below (together the "Terms"), and are deemed to have accepted and understood all the Terms and Rules. Please read the Terms carefully and if you do not accept the Terms, do not use the website. The Terms shall also apply to all telephone betting and betting or gaming via mobile devices including downloadable applications to a mobile device (as if references to your use of the website were references to your use of our telephone betting and/or mobile devices betting facilities).

Where you play any game, or place a bet, using the website, you will be deemed to accept and agree to be bound by the Rules which apply to the applicable products available on the website. The Rules can be found in the "How to play" Section.

We may need to change the Terms from time to time for a number of reasons (including to comply with applicable laws and regulations, and regulatory requirements). All changes will be published on the website. The most up-to-date Terms will be available on the website. If any change is unacceptable to you, you should cease using the website and/or close your account. If, however, you continue to use the website after the date on which the changes to the Terms come into effect, you will be deemed to have accepted those changes.

Reference to "RUPEE GAMING", "We", "Us" or "Our" is reference to RUPEE GAMING’s corporate entities.

Reference to "you", "your" or the "customer" is reference to any person using the website or the services of RUPEE GAMING and/or any registered customer of RUPEE GAMING.

Reference to "Username" is reference to any person who has registered on our website by using Phone number.

As you are aware, the right to access and/or use the website (including any or all of the products offered via the website) may be illegal in certain countries (including, for example, the USA). You are responsible for determining whether you're accessing and/or using the website in compliance with applicable laws in your jurisdiction and you warrant that gambling is not illegal in the territory where you reside.

YOUR RUPEE GAMING ACCOUNT

Application

All applicants must be over 18 years of age to place a bet or register with RUPEE GAMING. RUPEE GAMING reserves the right to ask for proof of age from any customer and suspend their account until satisfactory documentation is provided. RUPEE GAMING takes its responsibilities in respect of under-age gambling very seriously.

All information supplied when registering with the site MUST be accurate and complete in all respects. In particular, if using a credit or debit card, the cardholder's name MUST be the same as the name used when registering with the Website. Where this is not the case, the relevant account will be suspended. Where an account is suspended, the relevant customer should contact us. All bets that are placed prior to an account being suspended will stand - win or lose.

RUPEE GAMING may confirm a customer’s address by posting an address verification letter to the customer. All correspondence will be discreet and the envelope will not display any reference to RUPEE GAMING. When such correspondence is initiated, all offers and withdrawal requests may remain pending until the address has been confirmed as correct.

By accepting the Terms and/or registering to use the Website you hereby agree that we shall be entitled to conduct any and all such identification, credit and other verification checks from time to time that we may require and/or are required by applicable laws and regulations and/or by the relevant regulatory authorities for use of the Website and our products generally. You agree to provide all such information as we require in connection with such verification checks. We shall be entitled to suspend or restrict your account in any manner that we may deem in our absolute discretion to be appropriate, until such time as the relevant checks are completed to our satisfaction.

As part of the registration process, we may supply your information details to authorised credit reference agencies to confirm your identity. You agree that we may process such information in connection with your registration.

Customers may open only one RUPEE GAMING account. Should we identify any customer with more than one account ("Duplicate Account"), we reserve the right to close or suspend such customer and we shall also be entitled to withhold and/or retain any and all amounts which would otherwise have been paid or payable to you (including any winnings or bonus payments).

For the purpose of this clause and/or any other clause herein provided, any account(s) which we have reason to believe was created or being operated by you in addition to an already existing account (whether or not the existing account is active, frozen, temporarily or permanently suspended, including but not limited to self-exclusion) shall be deemed a Duplicate Account and the

penalty in the preceding paragraph shall automatically apply without recourse to you.

Customers must keep their registration and account details up to date. This, and your account information, may be amended in the Personal Account section of the Website. If you require any assistance, please contact us.

Account Details

RUPEE GAMING allows all its customers to choose their own username and password combination. Customers must keep this information secret and confidential as you are responsible for all bets placed on your account and any other activities taking place on your account.

Bets will stand if your username and password have been entered correctly (whether or not authorised by you), subject to there being sufficient funds in the account.

If, at any time, you feel a third party is aware of your user name and/or password you should change it immediately via the Website. Should you forget part or all of your combination, please contact us.

You are responsible for all transactions where your name and account number or name and username are correctly quoted (whether or not authorised by you). If you nominate another person as an authorised user of your account, you shall be responsible for all transactions such person makes using the relevant account details. Should you lose your account details or feel that someone else may have your account details, please contact us.

Please note that cardholder details and any other sensitive data should never be sent to us by unencrypted email.

The current balance and transaction history of your account may be viewed at any time once you have logged into your account on the Website.

Suspension and Closure

If you want to close your account, please contact us. Any negative balance on your account will fall immediately due and payable to RUPEE GAMING, and your account will not be closed until the relevant amount owed to RUPEE GAMING is paid in full.

RUPEE GAMING reserves the right to close or suspend your account at any time and for any reason. Without limiting the preceding sentence, RUPEE GAMING shall be entitled to close or suspend your account if: (a) you become bankrupt; (b) RUPEE GAMING considers that you have used the Website in a fraudulent manner or for illegal and/or unlawful or improper purposes; (c) RUPEE GAMING considers that you have used the Website in an unfair manner or have deliberately cheated or taken unfair advantage of RUPEE GAMING or any of its customers; (d) RUPEE GAMING is requested to do so by the police, any regulatory authority or court; (e) RUPEE GAMING considers that any of the events referred to in (a) to (c) above may have occurred or are likely to occur;

If RUPEE GAMING closes or suspends your account for any of the reasons referred to in (a) to (e) above, you shall be liable for any and all claims, losses, liabilities, damages, costs and expenses incurred or suffered by RUPEE GAMING (together “Claims”) arising therefrom and shall indemnify and hold RUPEE GAMING harmless on demand for such Claims. In the circumstances referred to in (a) to (e) above, RUPEE GAMING shall also be entitled to withhold and/or retain any and all amounts which would otherwise have been paid or payable to you (including any winnings or bonus payments).

Platform Utilization

You must be a resident of Nigeria to be eligible to register, use, and/or benefit from the RUPEE GAMING platform or its services. Residence in this case is determined by the provision of a valid photo ID issued by the government of the Federal Republic of Nigeria.

Additionally, you must be within the territory of Nigeria at the relevant time to be eligible to use our platform. You are prohibited from accessing or using our platform from any other country or foreign jurisdiction.

YOUR FINANCES

Deposits and Bets

You must confirm your account information to receive your first deposit. The name confirmed on your first deposit will be used as your RUPEE GAMING account name. For bank withdrawals, you may only withdraw to this name.

You may only bet with the amount of cleared funds held in your account. Accordingly, if you want to place bets or participate in gaming, you must deposit money into your account. Further details of how to deposit, withdraw and transfer funds can be found at Deposits/Withdrawals.

By depositing funds into your account, you direct us and we agree to hold them, along with any winnings, for the sole and specific purpose of using them (i) to place your gaming stakes; and (ii) settling any fees or charges that you might incur in connection with the use of our services (Purpose). We shall be entitled to suspend or close your account if we reasonably consider or have reason to believe that you are depositing funds without any intention to place gaming stakes. In such circumstances we may also report this to relevant authorities.

All funds that we hold for you are held in separate designated customer bank accounts to be used solely for the Purpose and the bank has acknowledged this. We must return the funds to you if they are not used for the Purpose.

The bank has acknowledged that your funds are held in those accounts solely for the Purpose. The bank has confirmed that it will not mix customers’ funds in those accounts with any other, including our own, and that it has no claim on the funds itself.

In view of the above, in the event of our insolvency, your funds are protected. The funds would still belong to you and would not fall into the hands of the liquidator.

You agree that we shall be entitled to retain any interest which might accrue on monies held in your RUPEE GAMING account.

No credit will be offered by any employee of RUPEE GAMING, and all bets must be supported by sufficient funds in the customer account. RUPEE GAMING reserves the right to void any bet which may have inadvertently been accepted when the account did not have sufficient funds to cover the bet. Should funds be credited to a customer's account in error it is the customer's responsibility to inform RUPEE GAMING without delay. RUPEE GAMING will recover such funds by account adjustment.

Unless otherwise stated, all examples given on the Website are given in PKR. RUPEE GAMING shall be entitled to withhold and/or retain any and all amounts earned or received by you as a result of or in connection with your ‘unauthorized’ use of the Website including activities which are not for an authorized purpose.

Withdrawals

For bank withdrawals from RUPEE GAMING accounts with a confirmed name, RUPEE GAMING generally only allows withdrawals to bank account names that match the confirmed name on the RUPEE GAMING account.

Withdrawals can be processed by clicking 'Withdraw' on the Website, subject to there being sufficient funds in your betting account.

If the value of a deposit is not played through in full before a withdrawal is requested, RUPEE GAMING reserves the right to make a charge to the customer’s account to cover all reasonable costs relating to both the deposit and withdrawal. If necessary, the value of the withdrawal requested may be reduced accordingly.

Withdrawals must be made to individual bank accounts in the same name associated with the RUPEE GAMING account. Therefore, withdrawals to bank accounts with corporate names are strictly prohibited

Other

If we incur any charge-backs, reversals or other charges in respect of your account, we reserve the right to charge you for the relevant amounts incurred.

We may, at any time, set off any positive balance on your account against any amounts owed by you to RUPEE GAMING or any company within the RUPEE GAMING group.

You are responsible for reporting your winnings and losses to the tax and/or other authorities in your jurisdiction.

Internet gambling may be illegal in the jurisdiction in which you are located. If so, you are not authorized to use your payment card to complete the transaction. However, any bets/wagers accepted from such jurisdictions will stand - win or lose.

BETTING PROCEDURES

Placing Bets

RUPEE GAMING reserves the right to decline all, or part, of any bet requested at its sole and absolute discretion. All bets are placed at your own risk and discretion.

We only accept bets made online (including via mobile device or downloadable applications on a mobile device). Bets are not accepted in any other form (post, email, fax, etc.) and where received will be invalid and void - win or lose.

It is the responsibility of the customer to ensure details of their bets are correct. Once bets have been placed they may not be cancelled or changed by the customer. RUPEE GAMING reserves the right to cancel any bet at any time.

Your funds will be allocated to bets in the order they are placed and will not be available for any other use. RUPEE GAMING reserves the right to void and/or reverse any transactions made after a bet has been placed involving allocated funds, either at the time or retrospectively.

Bet Confirmation

Bets will not be valid if there are insufficient funds in your account. A bet that you request will only be valid once accepted by RUPEE GAMING’s servers. Each valid bet will receive a unique transaction code. We shall not be liable for the settlement of any bets which are not issued with a unique transaction code. If you are unsure about the validity of a bet, please check your account history, or contact us.

Should a dispute arise, you and RUPEE GAMING agree that the RUPEE GAMING transaction log database will be the ultimate authority in such matters.

Customer complaints or disputes regarding a bet acceptance, settlement or resettlement must be submitted within 30 days from the date of the settlement of the bet, or if still pending, from the date of acceptance of the bet.

Offers

All customer offers are limited to one per person, family, household address, email address, telephone number, mobile device (e.g. mobile or tablet), application download or shared computer (e.g. public library or workplace).

Where any term of the offer or promotion is breached or there is any evidence of a series of bets placed by a customer or group of customers (e.g. where common betting patterns across the same fixture/markets have been

identified across accounts), which due to a deposit bonus, enhanced payments, free and risk-free bets, or any other promotional offer results in guaranteed customer profits irrespective of the outcome, whether individually or as part of a group, RUPEE GAMING reserves the right to reclaim the bonus element of such offers and in RUPEE GAMING’s absolute discretion settle bets at the correct odds, void the free and risk-free bets or void any bet funded by the deposit bonus. In addition, RUPEE GAMING reserves the right to levy an administration charge on the customer up to the value of the deposit bonus, free and risk-free bet or additional payment to cover administrative costs. RUPEE GAMING further reserves the right to ask any customer to provide sufficient documentation for RUPEE GAMING to be satisfied in its absolute discretion as to the customer’s identity prior to RUPEE GAMING crediting any bonus, free and risk-free bet or offer to the customer’s account.

RUPEE GAMING reserves the right to withdraw the availability of any offer or all offers to any customer or group of customers at any time and at RUPEE GAMING’s sole and absolute discretion. Offers only apply to customers who have made an actual/real money deposit with RUPEE GAMING.

RUPEE GAMING reserves the right to amend the terms of or cancel any customer offer or promotion at any time.

Settlement and Payouts

Winnings from settled bets are added to the balance of your betting account. Any funds/winnings credited to an account in error are not available for use, and RUPEE GAMING reserves the right to void any transactions involving such funds and/or withdraw the relevant amount from your account and/or reverse the transaction, either at the time or retrospectively.

Where there is evidence of a series of bets each containing the same selection(s) having been placed by or for the same individual or syndicate of individuals, RUPEE GAMING reserves the right to make bets void or withhold payment of returns pending the outcome of any subsequent investigation.

If, for any reason, we are unable to validate the outcome of a particular market (e.g. due to loss of live pictures), all bets will be void unless settlement of bets is already determined.

USE OF THE WEBSITE

Information and Content

Information accessed by you on the Website is for your personal use only and the distribution or commercial exploitation of such information is strictly prohibited. No warranty is given as to the uninterrupted provision of such information, its accuracy or as to the results obtained through its use. It should not be relied upon when placing bets, which are made at your own risk and discretion.

Your Equipment

Your computer equipment or mobile device and internet connection may affect the performance and/or operation of the Website. RUPEE GAMING does not guarantee that the Website will operate without faults or errors or that the RUPEE GAMING services will be provided without interruption. RUPEE GAMING does not accept any liability for any failures or issues that arise due to your equipment, internet connection or internet or telecommunication service provider (including, for example, if you are unable to place bets or to view or receive certain information in relation to particular events).

For customers using RUPEE GAMING’s mobile sites for the placing of bets, please note that RUPEE GAMING will not be responsible for any damage to, or loss of data from the mobile device that the software is installed on, and will also not be responsible for any call, data or other charges incurred whilst using the software.

Fair Use

The Website and RUPEE GAMING products may only be used for the purposes of placing bets on gaming products.

You must not use the Website for any purpose which (in RUPEE GAMING’s opinion) is illegal, defamatory, abusive or obscene, or which RUPEE GAMING considered discriminatory, fraudulent, dishonest or inappropriate.

RUPEE GAMING will seek criminal and contractual sanctions against any customer involved in fraudulent, dishonest or criminal acts via or in connection with the Website or RUPEE GAMING's products. RUPEE GAMING will withhold payment to any customer where any of these are suspected. The customer shall indemnify and shall be liable to pay to RUPEE GAMING, on demand, all Claims arising directly or indirectly from the customer’s fraudulent, dishonest or criminal act.

Software and Technology Issues

In order for you to use certain products offered on the Website you may need to download some software (for example, casino games that are made available via a flash player). Also, certain third party product providers may

require you to agree to additional terms and conditions governing the use of their products. If you do not accept those third party terms and conditions, do not use the relevant third party software. RUPEE GAMING does not accept any liability in respect of any third party software.

You are only permitted to use any and all software made available to you via the Website for the purpose of using products on the Website and, save to the extent permitted by applicable law, for no other purposes whatsoever.

We hereby grant to you a personal, non-exclusive, non-transferable right to use the relevant software, for the sole purpose of using/playing products on the Website (including the online casino), in accordance with the following provisions.

(a) You are not permitted to: (i) install or load the software onto a server or other networked device or take other steps to make the software available via any form of "bulletin board", online service or remote dial-in or network to any other person; (ii) sub-license, assign, rent, lease, loan, transfer or copy (except as expressly provided elsewhere in these terms and conditions) your license to use the software or make or distribute copies of the software; (iii) enter, access or attempt to enter or access or otherwise bypass RUPEE GAMING’s security system or interfere in any way (including but not limited to, robots and similar devices) with the relevant products or the Website or attempt to make any changes to the software and/or any features or components thereof; or (iv) copy or translate any user documentation provided 'online' or in electronic format. You are not permitted to: translate, reverse engineer, decompile, disassemble, modify, create derivative works based on, or otherwise modify the software; or reverse engineer, decompile, disassemble, modify, adapt, translate, make any attempt to discover the source code of the software or to create derivative works based on the whole or on any part of the software.

(b) You do not own the software. The software is owned and is the exclusive property of RUPEE GAMING or a third party software provider company (the "Software Provider"). Any software and accompanying documentation which have been licensed to RUPEE GAMING are proprietary products of the Software Provider and protected throughout the world by copyright law. Your use of the software does not give you ownership of any intellectual property rights in the software.

(c) The software is provided "as is" without any warranties, conditions, undertakings or representations, express or implied, statutory or otherwise. RUPEE GAMING hereby excludes all implied terms, conditions and warranties (including any of merchantability, satisfactory quality and fitness for any particular purpose). RUPEE GAMING does not warrant that: (i) the software will meet your requirements; (ii) the software will not infringe any third party’s intellectual property rights; (iii) the operation of the software will be error free or uninterrupted; (iv) any defects in the software will be corrected; or (v) the software or the servers are virus-free.

(d) In the event of communications or system errors occurring in connection with the settlement of accounts or other features or components of the software, neither RUPEE GAMING nor the Software Provider will have any liability to you or to any third party in respect of such errors. RUPEE GAMING reserves the right in the event of such errors to remove all relevant products from the Website and take any other action to correct such errors.

(e) You hereby acknowledge that how you use the software is outside of RUPEE GAMING’s control. Accordingly, you load and use the software at your own risk. RUPEE GAMING will not have any liability to you or to any third party in respect of your receipt of and/or use of the software.

(f) The software may include confidential information which is secret and valuable to the Software Provider and/or RUPEE GAMING. You are not entitled to use or disclose that confidential information other than strictly in accordance with these Terms and Conditions.

While RUPEE GAMING endeavours to ensure that the Website is available 24 hours a day, RUPEE GAMING shall not be liable if for any reason the Website is unavailable at any time or for any period. We reserve the right to make changes or corrections to or to alter, suspend or discontinue any aspect of the Website and the content or services or products available through it, including your access to it.

You must not misuse the Website by introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. In particular, you must not access without authority, interfere with, damage or disrupt the Website or any part of it; any equipment or network on which the Website is stored; any software used in connection with the provision of the Website; or any equipment, software or website owned or used by a third party. You must not attack our Website via a denial-of-service attack. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website, software or to your downloading of any material posted on it, or on any website linked to it.

Third Party Content

RUPEE GAMING receives feeds, commentaries and content from a number of suppliers. Certain third party product providers may require you to agree to additional terms and conditions governing the use of their feeds, commentaries and content. If you do not accept the relevant third party terms and conditions, do not use the relevant feeds, commentaries or content.

RUPEE GAMING does not accept any liability in respect of any third party feeds, commentaries and content.

RUPEE GAMING does not allow any employee, anyone else in any way connected to such employee or anyone otherwise connected to a third party service provider (to be determined in RUPEE GAMING’s absolute discretion) to bet/wager on any gaming where the third party service provider is providing a service to RUPEE GAMING . RUPEE GAMING will void any bet/wager where it determines in its absolute discretion that such betting/wagering has taken place.

Where the Website contains links to third party websites and resources, these links are provided for your information only. RUPEE GAMING has no control over the content of these sites or resources, and accepts no liability for them or for any loss or damage that may arise from your use of them. The inclusion of a link to a third party website does not constitute an endorsement of that third party’s website, product or services (if applicable).

Other

RUPEE GAMING actively monitors traffic to and from the Website. RUPEE GAMING reserves the right in its sole discretion to block access where evidence indicative of automated or robotic activity is found.

RUPEE GAMING reserves the right to restrict access to all or certain parts of the Website in respect of certain jurisdictions.

RUPEE GAMING may alter or amend the products offered via the Website at any time and for any reason.

From time to time, all or part of the Website may be unavailable for use by you because of our maintenance of the Website and/or alteration or amendment of any of the Website products.

OUR LIABILITY

RUPEE GAMING does not accept any liability for any damages, liabilities or losses which are deemed or alleged to have arisen out of or in connection with the Website or its content (including delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the Website or its content or any errors or omissions in content).

While RUPEE GAMING endeavours to ensure that the information on the Website is correct, RUPEE GAMING does not warrant the accuracy or completeness of the information and material on the Website. The Website may contain typographical errors or other inaccuracies, or information that is out of date. RUPEE GAMING is under no obligation to update such material. The information and material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, RUPEE GAMING provides you with the Website on the basis that RUPEE GAMING excludes all representations, express or implied warranties, conditions and other terms which but for these terms and conditions might have effect in relation to the Website.

RUPEE GAMING shall not be liable, in contract, tort (including negligence) or for breach of statutory duty or in any other way for any of the following (whether incurred directly or indirectly): loss of profits; loss of business; loss of revenue; loss of opportunity; loss of data; loss of goodwill or reputation; or any special, indirect or consequential losses,

Whether or not such losses were within the contemplation of the parties at the date of these terms and conditions.

OUR INTELLECTUAL PROPERTY RIGHTS

The contents of the Website are protected by international copyright laws and other intellectual property rights. The owner of these rights is RUPEE GAMING, its affiliates or other third party licensors.

All product and company names and logos mentioned on the Website are the trademarks, service marks or trading names of their respective owners, including RUPEE GAMING.

Except to the extent required to use a product for the purpose of placing bets, no part of the Website may be reproduced or stored, modified, copied, republished, uploaded, posted, transmitted or distributed, by any means or in any manner, or included in any other website or in any public or private electronic retrieval system or service including text, graphics, video, messages, code and/or software without our express prior written consent.

If you make use of a feature that allows you to upload material, information, comments, postings or other content to the Website ("User Content"), then the User Content will be considered to be non-confidential and non-proprietary and RUPEE GAMING has the right to use, copy, distribute and disclose to third parties any User Content for any purpose. RUPEE GAMING also has the right to disclose your identity to any third party who is claiming that any User Content posted or uploaded by you to the Website constitutes a violation of their intellectual property rights or of their right to privacy. RUPEE GAMING has the right to remove, amend or edit any User Content you make on the Website.

Any commercial use or exploitation of the Website or its content is strictly prohibited.

COMPLAINTS, DISPUTES, GOVERNING LAW AND JURISDICTION

Should there be any claim or dispute arising from a past or current transaction, please contact our customer support. If RUPEE GAMING is unable to settle the dispute, RUPEE GAMING will refer the dispute to an arbiter, whose decision will be final (save in respect of any manifest error) subject to full representation given to all parties involved. No dispute regarding any bet/wager will result in litigation, court action or objection to a bookmaker’s license or permit (including any remote operator’s license or personal license) unless RUPEE GAMING fails to implement the decision given by arbitration.

These Terms and Conditions and any dispute or claim arising out of or in connection with it or its subject matter, whether of a contractual or non-contractual nature, shall be governed by and construed in accordance with the laws of Nigeria.

By accepting these Terms and Conditions and/or placing bets or wagers and/or making use (whether authorized or not) of the facilities offered by RUPEE GAMING (whether through the Website or otherwise), you irrevocably agree that the courts of Nigeria shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these Terms and Conditions. Notwithstanding the foregoing, RUPEE GAMING shall be entitled to bring a claim against a customer in the court of the customer's country of domicile.