Terms of Service for Ludo CashOut

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Inosoft Ltd ("we," "us," or "our"), a company registered in Nigeria under the Companies and Allied Matters Act. By accessing or using the Ludo CashOut platform (the "Service"), you agree to be bound by these Terms, our Privacy Policy, and all applicable Nigerian laws including:

• The Nigeria Data Protection Regulation (NDPR) 2019
• Central Bank of Nigeria's Guidelines on Electronic Banking
• Money Laundering (Prohibition) Act 2022
• Cybercrimes (Prohibition, Prevention, etc.) Act 2015

2. Eligibility and Account Registration

2.1 Age Requirement:

You must be at least 18 years old to use our Service. By registering, you confirm you meet this age requirement.

2.2 Account Creation:

To participate in paid games, you must:

• Provide accurate personal information (full name, date of birth, contact details)
• Verify your identity with a valid government-issued ID
• Provide your Bank Verification Number (BVN) for financial transactions
• Use a single account (multiple accounts are prohibited)

2.3 Account Security:

You are solely responsible for maintaining the confidentiality of your login credentials and all activities under your account. Immediately notify us of any unauthorized access at security@help.ludocashout.com.

3. Service Description

Ludo CashOut is a skill-based Ludo gaming platform where users can:

• Play Ludo games for entertainment
• Participate in paid tournaments with cash prizes
• Deposit funds to their gaming wallet
• Withdraw winnings according to our withdrawal policy

We operate under Nigerian law and do not offer services in jurisdictions where online gaming is prohibited.

4. Financial Terms

4.1 Deposits:

• Minimum deposit: ₦500
• All deposits are final and non-refundable
• We accept bank transfers, cards, and approved payment processors

4.2 Withdrawals:

• Minimum withdrawal: ₦1,000
• Processing time: 24-48 hours
• Withdrawals are only to verified bank accounts matching your registered name
• Subject to identity verification and anti-fraud checks

4.3 Fees:

• Deposit fee: Free per transaction
• Withdrawal fee: Free per transaction
• Service charge: 20% of tournament entry fees

5. Game Rules and Fair Play

All users must adhere to our Fair Play Policy:

• No use of bots, scripts, or automation tools
• No collusion between players
• No exploitation of software vulnerabilities
• Games are monitored for suspicious activity

Violations may result in account suspension, forfeiture of funds, and legal action.

6. Responsible Gaming

We promote responsible gaming and provide:

• Self-exclusion options (1 month to permanent)
• Daily deposit limits (configurable in account settings)
• Reality check reminders
• Links to professional help organizations

By using our Service, you acknowledge that gaming involves risk of financial loss.

7. Intellectual Property

All content on Ludo CashOut, including:

• Game software and algorithms
• Graphics, logos, and designs
• Text content and documentation

are owned by Inosoft Ltd or licensed to us, protected under Nigerian copyright and trademark laws. Unauthorized use may result in legal action.

8. User Conduct and Prohibitions

You agree not to:

• Use offensive language or harass other players
• Engage in money laundering or fraudulent transactions
• Attempt to hack or disrupt our systems
• Share or sell your account
• Use VPNs to circumvent geographic restrictions
• Violate any Nigerian laws through our platform

9. Termination and Suspension

We may suspend or terminate accounts for:

• Violation of these Terms
• Suspected fraudulent activity
• Chargebacks or payment disputes
• Requests by regulatory authorities

Upon termination, any outstanding balances may be forfeited if linked to prohibited activities.

10. Dispute Resolution

10.1 Customer Support:

First contact support@help.ludocashout.com with any issues.

10.2 Mediation:

Unresolved disputes may be referred to the Consumer Protection Council (CPC) of Nigeria.

10.3 Legal Action:

Any legal proceedings shall be brought in courts of competent jurisdiction in Nigeria.

11. Limitation of Liability

Inosoft Ltd's liability is limited to:

• Direct damages up to the amount in your account
• Service interruptions: Maximum of one month's average usage fee

We are not liable for:

• Losses due to user error or unauthorized access
• Consequential, incidental, or punitive damages
• Third-party actions or service failures

12. Governing Law

These Terms are governed by Nigerian law, specifically:

• The Companies and Allied Matters Act 2020
• The Nigerian Communications Act 2003
• Electronic Transactions Act 2023

13. Amendments

We may modify these Terms with 30 days' notice. Continued use after changes constitutes acceptance. Material changes will be communicated via:

• Email to registered users
• In-app notifications
• Website announcements

14. Contact Information

For questions or concerns:

• Legal Notices: legal@help.ludocashout.com
• Customer Support: support@help.ludocashout.com
• Registered Office: [Your Physical Address in Nigeria]
• CAC Registration Number: [Your RC Number]