Terms of Use

01About these terms

These Terms of Use (“Terms”) are a binding agreement between you and Casheeno (“Casheeno”, “we”, “us” or “our”), a company established in Noida, Uttar Pradesh, India. They govern your access to and use of our websites, mobile applications, games and related services (together, the “Services”), including but not limited to Surveys Queen, Cash Queen, Lucky Queen, Puzzles Queen, Dice Queen, Ludo Queen, instaBucks and any future title we publish.

By downloading, installing, accessing or using any of the Services, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. If you do not agree, you must not use the Services.

Certain Services, features, events, prize draws or promotions may be subject to additional or supplementary terms which we will make available to you at the relevant time. Where supplementary terms conflict with these Terms, the supplementary terms prevail in respect of that Service or feature only.

We may need to change these Terms from time to time, for example to reflect changes in law, in our Services, or in how we operate. Section 23 explains how we do that and what your options are.

02Eligibility and age requirements

The Services are intended for adults and are not directed to anyone under 18 years of age (or under the higher age of majority that applies where you live). We do not knowingly collect personal data from anyone below that age. If we become aware that we have done so, we will delete the data and close the account.

You may only use the Services if:

• you are at least 18 years old, or the higher age of majority where you live;
• you are not barred from using the Services under the laws of your country of residence or any other applicable jurisdiction; and
• you are not located in, ordinarily resident in, or accessing the Services from a country or territory subject to comprehensive sanctions or an embargo, and you are not on any restricted-party or denied-persons list.

Participation in any prize draw, raffle or sweepstake is restricted to entrants aged 18 or over (or the higher age of majority in your jurisdiction), and is subject to the additional restrictions in Section 10.

Ludo Queen is intended for users 18 years of age and older, consistent with its Google Play and App Store age rating. This requirement applies to account creation, gameplay and purchases within Ludo Queen, in addition to the general eligibility requirements above, subject only to the exception for players aged 13 to 17 described below. See Section 25.

We may ask you to verify your age at any time. If we reasonably believe that an account belongs to someone under 18, we may suspend or close it and remove its Virtual Items, and we will refund purchases where applicable law requires it. Ludo Queen exception for ages 13 to 17: if we find that a Ludo Queen player is aged 13 to 17 (or between the higher digital-consent age where they live and 17), we do not close the account. It continues with full access to gameplay, but with advertising and coin-based stakes disabled. This exception does not apply to anyone under 13 (or under that digital-consent age), whose account we close, or to players in India, where no one under 18 may hold an account, and we close an account when we become aware that it belongs to someone under 18. See Section 25. Parents and legal guardians must not allow a minor to use the Services, other than a Ludo Queen player covered by that exception, and are responsible for any activity, purchase or charge made through an account they allow a minor to use. We strongly recommend enabling the parental controls, purchase approval and spending limits offered by Apple and Google at device and store level.

03Our Services are not gambling

This is a deliberate and fundamental characteristic of our Services, and we ask you to read this section carefully because it defines what our Services are and are not:

• No wagering. You cannot stake, bet or risk money or anything of monetary value on an uncertain outcome anywhere in our Services.
• No purchase to enter. Where we run a prize draw or raffle, entry is always available free of charge. A purchase never is, and never will be, a condition of entry, and buying anything will never improve your chance of winning. See Section 10.
• No cash-out of virtual items. Virtual currency, tokens, tickets, coins and any other in-app item have no monetary value, cannot be exchanged for money, and cannot be transferred, sold or traded. See Section 8.
• Coin-only play in Ludo Queen. Certain Ludo Queen modes let players put virtual coins into a match pool. Those coins have no monetary value, can never be cashed out or withdrawn, and no real money is ever staked or paid out. See Section 25.
• Skill and entertainment. Titles such as Ludo Queen and Puzzles Queen are games of skill and entertainment played for enjoyment and for non-monetary in-game progression.
• Advertising-funded. Our consumer titles are funded principally by advertising revenue and, where offered, by optional in-app purchases of virtual items. We do not derive revenue from stakes or wagers.

Notwithstanding the above, laws differ substantially between countries, states and provinces, and the classification of promotional games, prize draws and skill games is not uniform. You are responsible for ensuring that your use of the Services is lawful where you are. Where any element of the Services would be unlawful in your jurisdiction, that element is void and is not offered to you, and we reserve the absolute right to restrict, geo-block or withdraw any feature, promotion or prize draw in any territory at our sole discretion and without notice.

04Your licence to use the Services

Subject to your continued compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to download, install and use one copy of each application on a device you own or control, and to access the Services, solely for your own personal, private and non-commercial entertainment.

This licence does not transfer any ownership. All rights not expressly granted are reserved. You must not, and must not permit or enable any other person to:

• copy, modify, adapt, translate, reverse engineer, decompile or disassemble any part of the Services, or attempt to derive source code, algorithms or underlying ideas, except to the strict extent that applicable law prohibits this restriction;
• rent, lease, lend, sell, sublicense, distribute, publish, broadcast or otherwise commercially exploit the Services or any content within them;
• remove, obscure or alter any proprietary notice, watermark, branding or attribution;
• use any robot, bot, scraper, macro, emulator, modified client, automation tool, injection, memory editor or other unauthorised software to access, interact with or gain advantage in the Services;
• circumvent, disable or interfere with any security, anti-cheat, digital rights management, rate-limiting, geo-restriction or access-control feature;
• access the Services through any means other than the interfaces and instructions we provide, or use the Services to build a competing product or to train a machine-learning model; or
• use the Services in any manner that breaches applicable law, infringes any third-party right, or damages, disables, overburdens or impairs our infrastructure.

05Accounts and account security

Some features require you to register an account. You agree to provide accurate, current and complete information and to keep it up to date. You may hold only one account per Service unless we expressly permit otherwise.

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account, whether or not authorised by you. You must notify us immediately at support@casheeno.com if you suspect any unauthorised access or breach of security.

Accounts are personal to you. You may not sell, buy, trade, gift, rent, share or otherwise transfer an account or any account credential, and any account that is the subject of such a transaction may be suspended or terminated without compensation.

We may refuse registration, reclaim a username, or require you to change a username or display name that is offensive, impersonates another person or entity, infringes a third-party right, or is otherwise inappropriate in our reasonable judgement.

06Signing in, third-party accounts and guest play

You may be able to access a Service in several ways, and the way you choose affects how your progress is stored and how easily it can be recovered:

• Email registration — you create an account with an email address and a password.
• Sign in with Google — you authenticate through your Google account.
• Log in with Facebook — you authenticate through your Facebook account.
• Guest or anonymous play — you play without registering. We create an anonymous identifier (for example a Firebase anonymous account) so that your progress can be saved on that installation.

Third-party sign-in

Where you sign in using Google or Facebook, you authorise that provider to share a limited set of information with us, and you authorise us to receive and store it. What is shared is determined by that provider and by the permissions you grant, and is described in our Privacy Policy. Your use of Google or Facebook remains governed by that provider’s own terms and privacy policy, and we are not responsible for their services, their availability, or any change they make to them.

You are responsible for keeping the third-party account secure. If it is compromised, closed, suspended or deleted by the provider, or if you revoke our access, you may permanently lose access to your Casheeno account, your progress and any Virtual Items in it, and we may be unable to restore them. You may revoke our access at any time through your Google or Facebook account settings.

Guest and anonymous accounts

Because a guest account contains no verified identifier, we may be unable to verify ownership of it. That means we may be unable to restore it, transfer it, merge it, or action a data-subject request in respect of it, and we accept no liability for progress or purchases lost from an unlinked guest account.

Linking, merging and switching

• Where a Service permits it, you may upgrade a guest account by linking an email address, Google or Facebook credential. Once linked, the account is recoverable on another device.
• Where you link a credential that is already associated with another account, one of the two sets of progress may be overwritten or discarded. Where the Service can, it will warn you first; where it cannot, the outcome is final.
• Unlinking a credential may leave the account unrecoverable. Do not unlink unless you have another credential attached.
• Purchases and entitlements are recorded by the app store against the store account that made them, not against your sign-in method, and are subject to that store’s restore rules.

We may require you to complete or upgrade a sign-in method before permitting a purchase, an entry to a prize draw, a payout, or access to online multiplayer, where that is necessary for security, age assurance or fraud prevention.

07In-app purchases, billing and refunds

Certain Services — including Ludo Queen — offer optional in-app purchases. These fall into two categories:

• Consumable items, which are used up or depleted through play (for example coins, tokens, dice rolls, boosts, continues or entry tickets to an in-game event). Once consumed they cannot be restored, re-downloaded or transferred to another account or platform.
• Non-consumable and one-time purchases, which are bought once and remain associated with your account on the relevant platform (for example an advertisement-removal upgrade, a permanent unlock, a board theme or a cosmetic item).

All purchases are processed by the app store operator — Apple’s App Store or Google Play — and not by us. Your purchase is therefore also subject to that operator’s terms, payment methods, currency conversion, parental-control settings and refund policies. We do not receive, process, store or have access to your full payment card or bank details.

Prices are displayed inclusive or exclusive of tax according to the rules of the store and your territory, and may vary by country, over time, and between platforms. We may introduce, change, suspend or withdraw any item or its price at any time. Any promotional pricing is temporary and confers no future entitlement.

Refunds and statutory cancellation rights

Because digital items are delivered to your account immediately, all purchases are final and non-refundable once delivered, except where a refund is required by applicable law or is granted at the discretion of the app store operator. Refund requests must be made through Apple or Google, as we are not able to process them on their behalf.

If you are a consumer in the European Economic Area or the United Kingdom, you normally have a 14-day right to withdraw from a distance contract. By purchasing digital content that is delivered immediately, you expressly request immediate performance and acknowledge that you lose that right of withdrawal once delivery has begun. Nothing in these Terms limits any non-waivable statutory right you have, including rights in respect of digital content that is faulty, not as described, or not of satisfactory quality.

08Virtual items, currency and progression

Virtual currency, coins, tokens, dice, tickets, lives, cosmetic items, board themes, levels, streaks, ranks and any other in-game asset (together, “Virtual Items”) are part of the Service and are licensed to you, not sold. You receive only a limited, personal, revocable, non-transferable licence to use them within the relevant Service.

• Virtual Items have no monetary value and do not constitute currency, money, credit, a deposit, a stored-value instrument, a security or property of any kind.
• Virtual Items cannot be redeemed, exchanged or cashed out for money or anything of monetary value, whether from us or from any third party.
• Virtual Items cannot be sold, gifted, traded, transferred or shared outside the mechanisms we expressly provide inside the Service, and any attempt to do so is void and may result in suspension.
• You have no ownership or other property interest in any Virtual Item, whatever the method of acquisition.
• Virtual Items may be balanced, re-priced, modified, capped, expired, removed or reset at any time as part of ordinary game operation and balancing.

Except where applicable law requires otherwise, any unused Virtual Items are forfeited without compensation if your account is suspended or terminated for breach of these Terms, or if the relevant Service is discontinued in accordance with Section 15.

09Advertising and how we are funded

Our consumer titles are principally funded by advertising. This means the Services display advertisements, which may include banners, interstitials, native placements and optional rewarded video advertisements that you may choose to watch in exchange for a Virtual Item.

Advertisements are supplied by third-party advertising networks and demand partners. Although we impose contractual requirements on those partners, we do not create, endorse, verify or control the content of third-party advertisements or the products, services or offers they promote. Any dealings you have with an advertiser are solely between you and that advertiser, and we are not responsible or liable for any loss arising from them.

Advertising may be personalised using an advertising identifier, subject to the permissions and choices available on your device. You can limit or reset personalised advertising at any time through Apple’s App Tracking Transparency prompt and iOS privacy settings, or Google’s advertising-ID controls on Android. Where we are required to obtain consent for advertising or analytics technologies, we will ask for it and you may withdraw it at any time. Our Privacy Policy explains this in detail.

Interfering with the delivery or measurement of advertisements — including by blocking, spoofing, automating, falsifying impressions, or generating rewards without genuinely viewing an advertisement — is a material breach of these Terms.

10Prize draws, raffles and promotions

From time to time we may operate prize draws, raffles, sweepstakes, giveaways, tournaments or similar promotions (each a “Promotion”). Every Promotion is governed by these Terms together with the specific rules published for that Promotion, which will identify the promoter, the entry period, the eligibility criteria, the entry routes, the prize, the odds or basis of selection, and the method and timing of winner selection.

Entry and eligibility

• Entry is open only to individuals aged 18 or over (or the age of majority where they live) who are legally resident in a territory in which the Promotion is expressly offered.
• A free entry route is always available and is stated in the rules for each Promotion. Where a Promotion can also be entered by using Virtual Items, entrants using the free route have the same chance of winning as any other entrant.
• Employees, officers and contractors of Casheeno, and their immediate families and households, and anyone professionally connected with a Promotion, are not eligible to enter.
• Automated, bulk, machine-generated, duplicate or fraudulent entries are void, as are entries made through multiple or fake accounts.
• The Promotion is void where prohibited, restricted or subject to registration, bonding or licensing requirements that we have not satisfied.

Prizes

• Prizes are as described in the rules, are non-transferable, and cannot be exchanged for cash unless we state otherwise.
• We reserve the right to substitute a prize of equal or greater value where circumstances beyond our reasonable control make the stated prize unavailable.
• Winners are solely responsible for any tax, duty, levy or withholding arising from a prize, and for any reporting obligation, in their country of residence. Where we are required by law to withhold tax or to collect identifying or tax information before a prize can be released, we will do so, and a prize may be forfeited if that information is not provided.
• Winners may be required to verify identity, age and eligibility before a prize is awarded, and to sign a declaration of eligibility and a liability and publicity release where lawful.
• We may publish a winner’s first name, first initial of surname and country for the purpose of announcing the result, as required by promotional-marketing rules in several jurisdictions. Where consent is required for wider publicity, we will ask for it separately.

Our decision on all matters relating to a Promotion is final, and no correspondence will be entered into save where applicable consumer law provides otherwise. We may cancel, suspend, amend or withdraw any Promotion at any time where fraud, technical failure, abuse, regulatory change or any other cause beyond our reasonable control affects the proper conduct of the Promotion.

11Online multiplayer and code of conduct

Certain Services, including Ludo Queen, offer online multiplayer play in which you interact with other users in real time. When you play online, other players may see your display name, avatar, rank, statistics and in-game activity. Do not share personal information such as your full name, address, telephone number, financial details or the details of any other person in a name, message, chat or emote.

You agree that, when using any multiplayer, chat, messaging, social or community feature, you will not:

• harass, bully, threaten, stalk, defame, impersonate or abuse any person, or incite others to do so;
• post or transmit content that is unlawful, obscene, sexually explicit, hateful, discriminatory, violent, or that promotes self-harm, terrorism or any criminal act;
• post content that sexualises, endangers or is otherwise harmful to a minor;
• cheat, exploit a bug, use unauthorised third-party software, collude, match-fix, deliberately disconnect to avoid a loss, boost, smurf or otherwise gain an unfair advantage;
• advertise, solicit, spam, phish, distribute malware, or promote any commercial activity, gambling service, or real-money trading of accounts or items;
• collect, harvest or process another user’s personal data without a lawful basis and their consent; or
• encourage, facilitate or instruct any other person to do any of the above.

We may, but are not obliged to, monitor, record, review, filter, moderate or remove multiplayer communications and user content, and to retain records of them, for the purposes of safety, anti-cheat, fraud prevention, enforcement of these Terms and compliance with law. Where we do so, we process that data in accordance with our Privacy Policy.

Matchmaking, ranking, leaderboards and rewards depend on fair play. Where we detect cheating or manipulation, we may reverse results, remove rankings and rewards, restrict matchmaking, and suspend or terminate accounts, in each case without compensation.

12Content you provide

“User Content” means anything you submit, transmit or make available through the Services, including display names, avatars, chat messages, emotes, feedback, suggestions, survey responses, support tickets and competition entries.

You retain any ownership rights you already hold in your User Content. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable and transferable licence to host, store, reproduce, adapt, translate, publish, publicly display and otherwise use that User Content for the purposes of operating, providing, securing, moderating, improving and promoting the Services. This licence continues for as long as necessary for those purposes and survives termination in respect of content already shared with other users or retained for legal, safety or record-keeping reasons.

You represent and warrant that you own or otherwise control all rights necessary to grant that licence, and that your User Content does not infringe any third-party right or breach any law.

Where you send us feedback, ideas or suggestions, you agree that we may use them without restriction, obligation, attribution or compensation, and that they are given on a non-confidential basis.

13Prohibited use, fraud and enforcement

In addition to the restrictions elsewhere in these Terms, you must not use the Services to commit or facilitate fraud, money laundering, terrorist financing, sanctions evasion, unauthorised access to any system, or any other criminal offence.

We operate automated and manual controls to detect abuse. Where we reasonably believe that an account has been used in breach of these Terms or unlawfully, we may take any of the following steps, with or without prior notice and in our sole discretion:

• issue a warning, or restrict access to a feature, a Promotion or matchmaking;
• reverse, void, adjust or withhold Virtual Items, rewards, rankings or prizes obtained in breach;
• suspend the account temporarily, or terminate it permanently;
• block a device, payment instrument or network identifier from accessing the Services;
• retain and disclose information to law enforcement, a regulator or an affected third party where lawful and appropriate; and
• recover from you any loss, cost or liability we incur as a result of the breach.

Review, cancellation and blocking of rewards

All rewards, including Virtual Items, cash rewards, withdrawals, prizes and Promotion winnings, are subject to review before and after they are credited or paid. We reserve the right to cancel, withhold, reverse, reduce or block any reward or withdrawal, and to suspend or permanently terminate the account concerned, where we reasonably consider that the reward is inappropriate or does not meet our requirements. This includes, for example, where:

• a user’s earnings are unusually high, or are higher than genuine, ordinary use of the Service would produce, compared with that user’s own activity or with typical users;
• the reward was earned using more than one account, a shared or borrowed account, or on behalf of another person;
• the reward was earned using bots, scripts, emulators, rooted or modified devices, VPNs, proxies, location spoofing or other tools that hide or falsify identity, device or location;
• advertisements, offers or surveys were not genuinely viewed or completed, or were completed with false, random, inconsistent or rushed answers;
• an advertising, survey or offer partner reverses, rejects or does not pay us for the activity on which the reward was based;
• we cannot verify your identity, age, location, payment account or eligibility to our satisfaction;
• the reward was credited, displayed or calculated incorrectly because of a technical glitch, bug, error, server or network outage, synchronisation or data discrepancy, incorrect price or reward value, or any other malfunction, whether or not you caused it or were aware of it; or
• the reward was obtained through an exploit, or any other breach of these Terms or of the rules of the relevant Service or Promotion.

We may delay any reward or withdrawal while a review is carried out, and may set and change limits on how much can be earned or withdrawn in a given period. Where a reward that has already been paid is later found to have been obtained in any of the ways above, we may deduct it from your balance or recover it from you. Our decision on eligibility for a reward is made in good faith and, except where applicable law provides otherwise, is final.

Technical glitches, errors and discrepancies

The Services are complex software and may sometimes contain bugs or be affected by glitches, outages, delays or data discrepancies. Where this happens:

• our records prevail. If a balance, reward, withdrawal, match result, ranking or prize shown to you differs from our server records, our server records are the definitive record;
• we may correct any balance of Virtual Items, rewards or cash rewards to what it would have been without the error, including by removing anything credited in error, even if you have already used it;
• we may void, replay or reverse a match, Promotion, reward, withdrawal or transaction affected by the error, and where coins were staked in a Ludo Queen match that is voided, we may return the stakes instead of paying out a result;
• you must not knowingly take advantage of a bug, glitch or error, and must report it to support@casheeno.com promptly. Deliberately exploiting or repeating one is a breach of these Terms; and
• except where applicable law requires otherwise, we are not liable for any loss of Virtual Items, rewards, progress, rankings or winnings caused by a technical glitch, bug, error, outage, disconnection, device problem or data discrepancy. Where we can verify that you genuinely lost something because of a fault on our side, we may, at our discretion, restore it.

Where we terminate for breach, you are not entitled to a refund of any amount paid, or to compensation for any Virtual Item, progress or ranking lost, except to the extent applicable law requires otherwise. Where the breach is capable of remedy and the circumstances allow, we will where reasonably practicable give you an opportunity to appeal by writing to support@casheeno.com.

14Intellectual property and IP complaints

The Services, and all software, source code, artwork, characters, audio, music, text, layouts, designs, trade marks, logos, names and other materials in them, are owned by Casheeno or our licensors and are protected by copyright, trade mark, database and other intellectual property laws worldwide. Nothing in these Terms transfers any of those rights to you.

If you believe that content available through the Services infringes your intellectual property rights, please write to support@casheeno.com with: your contact details; identification of the work you say is infringed; identification and location of the allegedly infringing material; a statement that you have a good-faith belief that the use is not authorised; a statement that the information in your notice is accurate and, under penalty of perjury, that you are the rights holder or authorised to act for them; and your physical or electronic signature.

We will review complete notices and, where appropriate, remove or disable access to the material and take action against repeat infringers, including account termination.

15Availability, updates and discontinuation

We aim to keep the Services available, but they are provided on an “as available” basis. We do not warrant uninterrupted, timely, secure or error-free operation. Access may be interrupted by maintenance, updates, technical failure, network conditions, third-party outage, or events outside our reasonable control.

We may at any time and without liability to you: modify, update, patch or re-balance any Service or feature; add or remove features, items, modes or content; change server locations, matchmaking or availability in a territory; require you to install an update in order to continue using a Service; or impose limits on use.

We may discontinue any Service in whole or in part. Where we do so, and where reasonably practicable and lawful, we will give reasonable prior notice through the Service, on this website or by email, so that you have an opportunity to use any Virtual Items you hold before the Service closes. Except where applicable law requires otherwise, you will not be entitled to compensation for Virtual Items, progress or content that becomes unavailable following discontinuation.

16Third-party services, stores and links

The Services rely on and interoperate with third parties, including Apple, Google, advertising networks, analytics providers, cloud hosting providers and payment processors. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for their acts or omissions.

The Services may contain links to third-party websites, applications or offers. We provide those links for convenience only. We do not control, endorse or accept responsibility for third-party content, and you access it at your own risk.

Apple App Store

Where you obtain an application from the Apple App Store, you acknowledge that: these Terms are between you and Casheeno only, and not with Apple; Apple has no obligation to provide maintenance or support; in the event of any failure of the application to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, and to the maximum extent permitted by law Apple has no other warranty obligation; Apple is not responsible for addressing any claim relating to the application, including product liability, legal or regulatory non-compliance, or consumer protection claims; Apple is not responsible for the investigation, defence, settlement or discharge of any third-party intellectual property infringement claim; you comply with applicable third-party terms when using the application; and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Google Play

Where you obtain an application from Google Play, your use is additionally subject to the Google Play Terms of Service, and refunds and billing are handled in accordance with Google’s policies.

17Privacy and data protection

Our Privacy Policy explains what personal data we collect, why we collect it, the legal bases on which we rely, who we share it with, how long we keep it, how we transfer it internationally, and the rights you have. Our Cookie Policy explains our use of cookies and similar technologies.

You can request deletion of your account and associated personal data at any time. See Delete your account, or write to support@casheeno.com.

18Disclaimer of warranties

To the maximum extent permitted by applicable law, the Services are provided “as is” and “as available”, without warranty, condition or representation of any kind, whether express, implied or statutory. We specifically disclaim all implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, quiet enjoyment and non-infringement.

We do not warrant that the Services will meet your requirements, that operation will be uninterrupted or error-free, that defects will be corrected, that the Services are free of viruses or other harmful components, or that any result obtainable from the Services will be accurate or reliable.

Nothing in these Terms excludes or limits any warranty, right or remedy that cannot lawfully be excluded or limited. If you are a consumer, you have legal rights in relation to services that are not carried out with reasonable care and skill or are otherwise not as described, and those rights are unaffected. Some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above exclusions may not apply to you.

19Limitation of liability

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; gross negligence or wilful misconduct; or any other liability that cannot lawfully be limited or excluded, including the statutory rights of consumers.

Subject to that paragraph, and to the maximum extent permitted by applicable law:

1. we are not liable for any indirect, incidental, special, consequential, exemplary or punitive loss or damage, or for any loss of profits, revenue, business, goodwill, opportunity, anticipated savings, data, or Virtual Items, in each case however arising and whether or not foreseeable;
2. we are not liable for loss or damage arising from your failure to keep your credentials secure, from your breach of these Terms, from the acts or omissions of any other user, from any third-party advertisement, content, service or link, or from any cause outside our reasonable control; and
3. our total aggregate liability arising out of or in connection with these Terms and the Services, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to the greater of (a) the total amount you actually paid to us or to an app store operator in respect of the relevant Service in the twelve (12) months immediately preceding the event giving rise to the claim, and (b) one hundred United States dollars (US$100).

You acknowledge that the Services are provided at no mandatory cost to you and are funded principally by advertising, that the allocation of risk in these Terms reflects that, and that these limitations are a fundamental basis on which we make the Services available. Some jurisdictions do not allow the limitation of certain damages, so some of the above may not apply to you.

20Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify, defend and hold harmless Casheeno, our affiliates, and our and their respective officers, directors, employees, agents, licensors and suppliers, from and against any claim, demand, action, liability, loss, damage, cost or expense (including reasonable legal fees) arising out of or in connection with: your use or misuse of the Services; your User Content; your breach of these Terms or of any applicable law; your infringement of any third-party right; or any dispute between you and another user or a third party.

This does not apply to the extent the claim arises from our own breach, negligence or wilful misconduct, and it does not apply where you are a consumer and applicable consumer law prohibits such an indemnity. We will notify you of any such claim and may, at our option, assume its exclusive defence and control, in which case you agree to cooperate.

21Governing law and international use

These Terms and any dispute or claim arising out of or in connection with them, their subject matter or formation (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws rules. Subject to Section 22, the courts at Noida / Gautam Buddha Nagar, Uttar Pradesh, India have exclusive jurisdiction.

If you are a consumer, this does not deprive you of the protection afforded by the mandatory provisions of the law of the country in which you are habitually resident, and you may also be entitled to bring proceedings in the courts of that country. Consumers in the European Economic Area and the United Kingdom retain all non-waivable rights under local consumer law.

We make no representation that the Services are appropriate or available for use in any particular location. If you access the Services from outside India, you do so on your own initiative and are responsible for compliance with local law, including any law relating to online conduct, promotional games, data protection, taxation, and the import or export of technology and encryption.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

22Dispute resolution

Talk to us first

If you have a problem, please contact us at support@casheeno.com with a description of the issue and the resolution you are seeking. We will try in good faith to resolve it informally. You agree to allow us 30 days from receipt of your notice to do so before commencing any formal proceedings, and we will do the same. Most issues are resolved at this stage.

Arbitration

If a dispute is not resolved within that period, and to the extent permitted by the law applicable to you, the dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 of India, by a sole arbitrator appointed by us with your consent (not to be unreasonably withheld). The seat and venue of arbitration shall be Noida, Uttar Pradesh, India, and the language shall be English. The award shall be final and binding.

Individual basis only

To the maximum extent permitted by law, you and we each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding, and the arbitrator may not consolidate more than one person’s claims or preside over any form of representative proceeding.

Where this does not apply

The arbitration agreement and the class-action waiver above do not apply where they are prohibited or unenforceable under the law applicable to you. In particular, if you are a consumer resident in the European Economic Area or the United Kingdom, nothing in this Section deprives you of your right to bring proceedings in your local courts or to use any alternative dispute resolution or online dispute resolution mechanism available to you. Either party may at any time seek injunctive or equitable relief from a court of competent jurisdiction in respect of intellectual property infringement, unauthorised access, or misuse of the Services, and either party may pursue a claim in a small-claims court where it qualifies.

23Changes to these terms

We may amend these Terms from time to time. Where an amendment is material — for example a change to fees, to your rights, to dispute resolution, or to the nature of a Service — we will give you reasonable prior notice in the Service, on this website or by email, and will update the “Last updated” date above.

Changes take effect on the date stated in the notice. If you continue to use the Services after that date, you accept the amended Terms. If you do not accept them, you must stop using the Services and may delete your account. Where applicable law requires your express consent to a change, we will ask for it.

Amendments that are required by law, or that are necessary for security or to correct a manifest error, may take effect immediately.

24General provisions

• Entire agreement. These Terms, together with the Privacy Policy, Cookie Policy and any supplementary terms, constitute the entire agreement between you and us in relation to the Services and supersede all prior agreements and understandings.
• Severability. If any provision is held invalid, illegal or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions continue in full force.
• No waiver. Our failure or delay in enforcing any provision is not a waiver of it, and no single or partial exercise of a right prevents any further exercise.
• Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign or transfer them, in whole or in part, including in connection with a merger, acquisition, reorganisation or sale of assets.
• No partnership. Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between us.
• Third-party rights. Except as expressly stated (including in respect of Apple in Section 16), a person who is not a party to these Terms has no right to enforce any of its provisions.
• Force majeure. We are not liable for any failure or delay in performance caused by an event beyond our reasonable control, including act of God, natural disaster, epidemic, war, terrorism, civil unrest, industrial action, failure of utilities, internet or telecommunications, cyber attack, or act of government or regulator.
• Survival. Sections concerning virtual items, intellectual property, disclaimers, limitation of liability, indemnity, governing law, dispute resolution and these general provisions survive termination.
• Language. These Terms are drafted in English. Where we provide a translation, the English version prevails in the event of any conflict, except where local law requires otherwise.

25Ludo Queen — virtual currency, purchases and play

This section applies specifically to Ludo Queen and takes precedence over any general statement elsewhere in these Terms where the two conflict.

Eligibility

Like all our Services, Ludo Queen is intended for users 18 years of age and older. When you create an account or start playing, we ask for your age, and you must answer truthfully. We may ask you to verify your age at any time.

• Players aged 13 to 17 (or between the higher digital-consent age where they live and 17): if we find that a player is in this group, we do not close the account and do not remove its coins. It continues with full access to gameplay, but with advertising and coin-based stakes disabled.
• Players under 13 (or under that digital-consent age): we close the account and may remove its coins, and we will refund purchases where applicable law requires it.
• Players in India: the 13 to 17 exception does not apply. If we become aware that a player in India is under 18, we close the account and may remove its coins, and we will refund purchases where applicable law requires it.

Coins have no cash value and cannot be withdrawn

Coins used in Ludo Queen are a limited, revocable licence to access in-game features. Coins:

• have no monetary value, are not currency, and are not redeemable for cash, cryptocurrency, or any other form of real-world value, under any circumstances;
• cannot be withdrawn, cashed out, transferred to another person or account, exchanged, sold, or redeemed through PayPal or any other payment method;
• are non-refundable once consumed, except as required by applicable law or as set out in the Refunds section below;
• may be revoked, adjusted, or removed by us if obtained through fraud, an exploit, a payment reversal, or a violation of these Terms.

This is different from certain other Casheeno apps (for example Cash Queen or Surveys Queen), where users may earn and withdraw real cash through PayPal from advertising-funded rewards. That model does not apply to Ludo Queen. Coins earned, purchased, or won in Ludo Queen can never be converted to cash, and funds from advertising shown in any Casheeno app can never be applied toward, or combined with, Ludo Queen coins or stakes.

Purchases

Ludo Queen offers two types of in-app purchase:

• Consumable purchases (coin packs): grant a fixed amount of coins to your account immediately upon purchase. Once granted, consumable purchases are used up through gameplay and cannot be “un-spent” or returned to inventory.
• Non-consumable purchases (cosmetic items — board skins, pawn sets, avatar packs, emoji packs, and similar items): grant a permanent, account-bound unlock. Non-consumable purchases carry no gameplay advantage; they affect appearance only.

All purchases are processed and billed by Apple (App Store) or Google (Play Store), depending on your device. We do not receive or store your full payment card details.

Stakes and coin-based play

Some Ludo Queen game modes allow players to wager coins against other players. Where a player wins such a match, they receive coins from the pool wagered by the players at that table, according to the game’s payout rules. No real money changes hands between players at any point — every exchange in a staked match is coins only, coins have no cash value as stated above, and no player can ever withdraw or cash out coins won in this way.

• Staked modes are optional. Ludo Queen can always be played without staking coins.
• Coins cannot be sent, gifted or passed to another player except through the result of a match played fairly under the game’s rules.
• Coins won in Ludo Queen cannot be used to enter any Promotion that offers a prize of monetary value, or any real-world prize.
• Staked modes are not available where coin-based staking in games is prohibited or restricted by law. We may restrict, geo-block or withdraw them in any territory at any time.
• We may change stake levels, payout rules and match settings at any time as part of ordinary game operation and balancing.

No buying or selling coins outside the app

Coins and cosmetic items can only be obtained through Ludo Queen itself. Buying, selling or trading coins, items or accounts for money or anything of value, whether through a third-party website, marketplace, social media or a private arrangement, is prohibited. We do not recognise such transactions, and they may result in suspension or termination of every account involved and forfeiture of the coins and items concerned. We are not responsible for any loss arising from a third-party transaction.

Playing responsibly

Ludo Queen is designed for entertainment. You never need to buy coins to play. If you want to limit your spending, Apple and Google offer purchase approval, spending limits and payment controls in their store and device settings. If you feel that your play or spending is no longer enjoyable, take a break, or contact support@casheeno.com for help.

Refunds

Purchases made through the App Store or Play Store are subject to that platform’s own refund policy and process. We do not directly process refunds for purchases made through those platforms; refund requests should be directed to Apple or Google. Where we are required by applicable law to offer, honour, or facilitate a refund directly (for example under EU or UK consumer protection law), we will do so in accordance with that law. Consumable purchases (coin packs) that have already been spent in-game may not be eligible for a refund once consumed, except where applicable law requires otherwise.

Fair play

Using bots, exploits, multiple accounts to gain an unfair advantage, or any method to manipulate coin balances, stakes, or match outcomes is prohibited and may result in suspension or termination of your account and forfeiture of coins, at our discretion. This includes colluding with other players, deliberately losing a match to pass coins to another player, and sharing or selling accounts.

26How to contact us

If you have any question about these Terms, or wish to raise a complaint, please contact us:

• Email: support@casheeno.com
• Post: Casheeno, Noida, Uttar Pradesh, India
• Web: casheeno.com/contact

Please include your account email or player ID and the name of the Service concerned so that we can help you quickly.