Reference

Terms and Conditions Governing Your kubermatka Account

These Terms and Conditions form the binding agreement between you and kubermatka when you open an account and use any part of our platform.

Applies to All Account ActivityIndia-Specific Eligibility ClausesUPI, Paytm & PhonePe Conduct RulesAccount Security ObligationsDispute Resolution Pathway

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What These Terms Cover and Who They Bind

kubermatka Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These Terms and Conditions govern every interaction you have with kubermatka, including account registration, wallet funding, gameplay, withdrawals and communications with our support team. Access to our platform and eligibility to hold an account depend on the laws applicable in your location — our services are

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available only where local law permits. You are solely responsible for confirming that your use of this platform does not breach any regulation in your jurisdiction. Deposits and withdrawals processed through UPI, Paytm or PhonePe are subject to both these Terms and the policies of the
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respective payment provider. Any activity that violates applicable law, including fraudulent transactions or attempted manipulation of platform outcomes, will result in account suspension and forfeiture of funds where permitted by law.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

TERMS QUERIES AND CONTACT

How to Reach Us About These Terms

Team online

Email Support

Send any query about clause interpretation, account eligibility or dispute resolution to our dedicated legal inbox. We aim to respond within 48 hours on business days, with full written reasoning where required by your request.

Live Chat

Our support agents are available via live chat directly inside your account dashboard. For terms-related questions, agents can escalate your case to our compliance team during standard operating hours, seven days a week.

Account Help Centre

The Help Centre within your account panel contains a dedicated Terms and Conditions section where common clause queries, amendment notices and jurisdiction notes are published as soon as they are updated.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

We handle account data, transaction records and communication logs in line with the obligations set out in these Terms and the privacy policy referenced within them.

Data Retention Policy

We retain your account data — including transaction history, login records and identity verification documents — for the period required by applicable law and for as long as your account remains active or under review.

Cookie Usage

Our platform uses cookies to maintain session integrity, remember your login state and analyse how you navigate the lobby. You can manage cookie preferences through your browser settings; disabling certain cookies may affect platform functionality.

Account Security Obligations

You are responsible for keeping your login credentials confidential. Do not share your password with anyone. If you suspect unauthorised access, contact support immediately via live chat so we can freeze your account and investigate.

Requesting Data Changes

To correct, update or request deletion of personal data held on your account, submit a written request through email support or the Help Centre. We process verified requests within 30 days and confirm completion in writing.

Transaction Dispute Process

If you believe a deposit via UPI, Paytm or PhonePe was not credited correctly, or a withdrawal was incorrectly processed, raise a dispute through live chat within 14 days of the transaction. We investigate and respond with a written outcome.

Terms Amendment Notice

We may update these Terms and Conditions at any time. When we do, we publish the revised version with a new effective date and notify you by email. Continued use of your account after the effective date constitutes acceptance of the revised Terms.

Your Questions About Our Terms Answered

The questions below address the clauses account holders ask about most — from eligibility and payment conduct to data rights and dispute timelines. If your question is not covered here, our support team is reachable through live chat or email.

These Terms apply to every person who opens an account on kubermatka, deposits funds or accesses any part of the platform. Eligibility to hold an account depends on local law; you confirm compliance when you register and on each login.

Access and eligibility depend entirely on the laws of the jurisdiction in which you are located. Our services are available only where local law permits. You are responsible for verifying your legal position before opening or continuing to use your account.

We may revise these Terms at any time. We publish the updated version with a clear effective date and send an email notification to the address on your account. Continuing to use the platform after that date means you accept the revised Terms.

You must use only payment accounts registered in your own name. Transactions must not be used to facilitate money laundering or fraud. Any deposit or withdrawal that triggers a mismatch between your account name and the payment method name will be held for verification.

Contact our support team via live chat within 14 days of the transaction date, providing the transaction reference. Our compliance team investigates and delivers a written outcome, typically within 10 business days of receiving all required information from you.

Submit a written request by email or through the Help Centre inside your account. We verify your identity, then process the request within 30 days and confirm the outcome in writing. Deletion requests are subject to any legal retention obligations we hold.

You must keep your password and security details confidential and not share them with anyone. If you suspect that your account has been accessed without your consent, notify us immediately via live chat so we can suspend access and begin an investigation.

Terms and Conditions Governing Your kubermatka Account

How to Reach Us About These Terms

Email Support

Live Chat

Account Help Centre

Data, Security and Your Rights Under These Terms

Data Retention Policy

Cookie Usage

Account Security Obligations

Requesting Data Changes

Transaction Dispute Process

Terms Amendment Notice

Your Questions About Our Terms Answered

01 Who do these Terms and Conditions apply to?

02 What happens if local law in my state restricts online wagering?

03 Can kubermatka change these Terms without notice?

04 What conduct rules apply to UPI, Paytm and PhonePe transactions?

05 How do I dispute an incorrect deposit or withdrawal?

06 How can I request a copy or correction of my personal data?

07 What are my obligations around account security under these Terms?

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