You must be at least 18 years old (or the legal age of majority in your jurisdiction) to use our fintech and financial services.Certain gaming and social platform features may have different age restrictions based on regional laws. By using our Services, you represent that you meet these eligibility requirements. If registering on behalf of a business entity, you affirm that you have the authority to bind the entity to these Terms.

You may be required to create an account to access certain features of our Services. You must provide accurate, complete, and updated information when creating an account. You are responsible for maintaining the confidentiality of your account credentials and any activities that occur under your account.If you suspect unauthorized access, notify us immediately.We reserve the right to offer security enhancements and identity verification to protect user accounts. In compliance with the General Data Protection Regulation (GDPR) (EU) and India’s Digital Personal Data Protection Act (DPDP Act), users have the right to access, rectify, or delete their data upon request.

You agree to use our Services in compliance with all applicable laws and regulations, including but not limited to EU GDPR and India’s Information Technology Act, 2000. We offer customer-friendly support and dispute resolution processes for any concerns you may have. You may not engage in fraudulent, abusive, deceptive, or illegal activities while using our Services.Any unauthorized use, including scraping, data mining, or reverse engineering, is strictly prohibited.

Our fintech services may involve digital transactions, payments, and financial tools.We comply with EU Payment Services Directive (PSD2) for secure payment processing and fraud prevention.We prioritize user-friendly payment experiences with competitive fees and transparent pricing. All transactions are subject to applicable fees, which we may update from time to time.You are responsible for any applicable taxes arising from your transactions.We implement fraud protection measures to ensure safe transactions, including two-factor authentication (2FA) and Know Your Customer (KYC) compliance where required by law.

Our gaming services may offer virtual goods or currencies that can be purchased or earned.Users may receive promotional credits, discounts, or special offers to enhance their experience.Virtual goods have no real-world value and are non-refundable unless required by law.In compliance with EU consumer protection laws and India’s Consumer Protection Act, 2019, users may be eligible for refunds in cases of service failure or misleading representation.We may revoke access to virtual goods if obtained fraudulently or in violation of these Terms.

Users must engage respectfully on our social platform and gaming communities. We provide tools to report inappropriate behavior and ensure a safe community environment. Hate speech, harassment, threats, and any form of abuse are strictly prohibited. We reserve the right to suspend, restrict, or ban users violating our community guidelines without notice.Content moderation complies with EU Digital Services Act (DSA) and Indian IT Rules, 2021, ensuring that harmful content is removed promptly.

All content, including trademarks, logos, and software, remains the property of the Company or its licensors. We respect user-generated content and provide mechanisms to protect your rights. Any unauthorized reproduction, distribution, or commercial use of our content is strictly prohibited. In compliance with EU Copyright Directive and Indian Copyright Act, 1957, we provide a mechanism to report intellectual property violations.

Our Privacy Policy outlines how we collect, store, and protect your data. We comply with GDPR (EU) and India’s DPDP Act to ensure robust data protection measures. Users have the right to access, correct, or delete their personal data upon request. We implement encryption and security measures to protect user data from unauthorized access.

We may terminate or suspend your access to our Services if you violate these Terms. We offer a fair appeals process for account suspensions where applicable. Upon termination, you lose access to all Services, including account data and virtual goods. Any fees paid are non-refundable upon termination unless required by law.Users based in the EU or India may file complaints with EU consumer authorities or Indian consumer protection forums if they believe their rights are violated.

Our Services are provided "as is" and "as available" without warranties of any kind. We strive to provide high-quality, uninterrupted service but cannot guarantee perfection. We are not responsible for any loss, corruption, or unauthorized access to data.

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Services.In no event shall our liability exceed the amount you paid for the Services in the past 12 months. Users in the EU and India may have additional consumer rights under their respective laws that limit liability exclusions.

These Terms shall be governed by the laws of Malta, depending on the user’s jurisdiction. Any disputes shall be resolved through arbitration or in the courts of Malta or India, as applicable.Users waive any right to participate in class-action lawsuits against the Company unless prohibited by local law. We offer accessible customer support to resolve disputes efficiently, and users may escalate unresolved issues to EU Online Dispute Resolution (ODR) platform or Indian Consumer Dispute Redressal Commission.

We reserve the right to update these Terms at any time. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms. We will notify users of material changes through appropriate means.Users may be eligible for opt-in periods or grace periods for major policy changes.

You agree to indemnify and hold harmless the Company from any claims, damages, losses, or liabilities arising from your use of the Services or violation of these Terms.This includes legal fees incurred in defense of such claims.