Terms & Conditions

Legal Agreement Last Updated: January 2026

Welcome to 123 Rummy (hereinafter referred to as "the Platform", "We", "Our", or "Us"). By registering, accessing, downloading the 123 Rummy APK, or participating in cash and practice games on 123 Rummy, you ("User" or "Player") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must refrain from using the platform.

Age Restriction & Eligibility: Only individuals who are at least 18 years of age and reside in Indian states where skill gaming is legally permitted are eligible to participate in cash tournaments on 123 Rummy.

1. User Account Registration & Security

You must provide accurate, current, and verifiable information during registration, including your valid mobile phone number.
Each user is strictly limited to one account. Creating duplicate, multiple, or proxy accounts is a serious violation resulting in permanent ban and forfeiture of all balances.
You are solely responsible for maintaining the confidentiality of your login credentials and OTPs. 123 Rummy will never request your account password or payment PIN.

2. Restricted Territories

In accordance with state gambling laws and local regulations, cash games on 123 Rummy are strictly prohibited for residents of states where online gaming laws restrict real-money games of skill, currently including: Andhra Pradesh, Telangana, Assam, Odisha, Nagaland, and Sikkim. Any resident of these states attempting to bypass geo-restrictions will face immediate account termination.

3. Deposits, Bonus, and Financial Transactions

Deposits can be made using authorized Indian payment gateways such as UPI (Google Pay, PhonePe, Paytm), Net Banking, and Debit/Credit Cards.
Promotional bonus cash and referral credits are subject to turnover and wagering requirements before withdrawal.
All deposited funds must be utilized for gameplay before any withdrawal request can be processed.

4. Withdrawals & Mandatory KYC Verification

To ensure 100% security and comply with Indian financial regulations:

A valid Know Your Customer (KYC) verification (PAN Card and Aadhaar verification) is mandatory prior to initiating your first bank withdrawal.
The name registered on your 123 Rummy profile must strictly match the name on your PAN and Bank Account.
Withdrawals are processed around the clock (24/7) and typically credited via IMPS/NEFT within 5 to 30 minutes.
TDS (Tax Deducted at Source) shall be deducted in accordance with applicable provisions of the Indian Income Tax Act on net winnings.

5. Fair Play & Anti-Cheating Code

123 Rummy utilizes advanced automated artificial intelligence and behavioral analytics to detect collusion, chip-dumping, multi-accounting, and bot utilization. Any player engaged in unfair practices will be permanently blacklisted, and all funds shall be confiscated.

6. Intellectual Property Rights

All trademarks, graphics, code, logos, sounds, and content displayed on 123 Rummy are the exclusive intellectual property of 123 Rummy and its licensors. Unauthorized reproduction or reverse engineering is strictly prohibited.

7. Contact & Dispute Resolution

In case of any disputes, questions, or clarification regarding these Terms, please contact our 24/7 Support Team via our Live Chat Support or email us at support@123rummy.info.