Terms and conditions (User Agreement) — Shubh Labh App

These terms and conditions explain account rules, bonus terms, withdrawal terms, and acceptable use for Shubh Labh App users in India. By accessing or using the platform, you agree to this user agreement and any linked policies.

For general platform guidance, visit the homepage: shubh labh 365

About this agreement

These terms and conditions (the “Terms”) form a legally binding user agreement between you and Shubh Labh App (the “Platform”). They describe:

• your rights and obligations as a user,
• the Platform’s rights to administer accounts and manage risk,
• rules for deposits, withdrawals, promotions, and conduct,
• how disputes and complaints are handled.

If anything here conflicts with a specific rule shown inside a game, promotion, or payment flow, the specific rule may apply to that feature, to the extent permitted by applicable law.

Eligibility and access (India)

You may use the Platform only if:

• you are legally permitted to access the services under the laws applicable to you in India (including state-level rules that may vary), and
• you can form a binding contract.

You must not use the Platform if you are restricted by law, a court order, or self-exclusion tools (where available). The Platform may block access from certain locations or networks to manage legal and security risk.

Account rules and verification

One person, one account

Unless the Platform explicitly allows otherwise, you must maintain only one account. Creating multiple accounts (including through different phone numbers, devices, emails, payment instruments, or identities) may result in:

• account suspension,
• voiding of bonuses,
• withholding or reversal of promotional credits,
• additional verification checks.

Accurate information

You must provide true, complete, and up-to-date details (such as your name, date of birth, and contact information). If the Platform cannot verify your identity or detects inconsistent information, it may limit features (for example, withdrawals) until verification is completed.

KYC and security checks

The Platform may require identity verification (“KYC”) and other checks at any time, including before allowing withdrawals. You must cooperate with reasonable requests for documents or information intended to:

• verify identity and age,
• confirm payment method ownership,
• prevent fraud, chargebacks, money laundering, or bonus abuse.

Account security

You are responsible for:

• keeping login credentials confidential,
• restricting device access,
• promptly reporting suspected unauthorized access.

Activity performed through your account may be treated as authorized by you unless you can show evidence of compromise.

Need help securing your account?

Deposits and payments

Supported currency and methods

The Platform supports INR and may offer payments through commonly used local options (such as UPI and wallet/bank-supported rails) depending on availability and compliance requirements.

Payment method ownership

You should use payment methods that you own and control. Using third-party payment instruments (including someone else’s UPI ID, card, or wallet) may trigger:

• transaction rejection,
• additional KYC requirements,
• delays or refusal of withdrawals,
• reversal of deposits where permitted.

Deposit processing and reversals

Deposits may be delayed due to bank/PSP outages, compliance checks, or technical issues. If a deposit is incorrectly credited or duplicated, the Platform may correct the balance and related bet/wager settlements as needed.

Withdrawal terms

Withdrawal terms are designed to protect users and the Platform from fraud, chargebacks, and misuse.

Verification before withdrawal

You may be asked to complete KYC before a withdrawal is processed. In some cases, additional checks may be required, such as confirming the withdrawal method is linked to you.

Withdrawal method and name matching

Where possible, withdrawals are expected to be made to a payment method associated with the verified account holder. If name/ownership mismatches are detected, the Platform may:

• request alternate methods,
• ask for supporting evidence,
• delay processing until resolved.

Pending withdrawals and cancellations

Once a withdrawal request is submitted, it may be placed into a “pending” state for review. The Platform may allow you to cancel pending withdrawals in some cases; if canceled, funds may return to your withdrawable balance.

Chargebacks, disputes, and negative balances

If a deposit is reversed (chargeback, bank reversal, or payment dispute), the Platform may recover related funds by:

• adjusting balances,
• deducting from winnings linked to the disputed deposit,
• placing the account into a negative balance,
• restricting withdrawals until the matter is resolved.

Bonus terms (if offered)

If the Platform offers promotions, they are subject to specific bonus terms shown at the time of the offer. Common conditions may include:

• Eligibility: promotions may be limited by location, account status, verification level, or payment method.
• Wagering requirements: certain credits may require a minimum amount of play before becoming withdrawable.
• Game contribution: some games or bet types may contribute differently toward wagering (or not at all).
• Time limits: bonuses may expire after a stated period.
• Maximum conversions: promotional winnings may be capped where stated.
• Abuse prevention: the Platform may void bonuses and related winnings if it detects misuse, including:
  • multiple accounts,
  • collusion,
  • systematic low-risk hedging/arbitrage,
  • exploiting errors or loopholes.

If bonus rules conflict, the most specific rule shown for that promotion typically applies.

Acceptable use and prohibited activity

You agree not to:

• violate any applicable law or regulation,
• access the Platform using automated tools (bots, scripts, scrapers) unless explicitly allowed,
• manipulate, interfere with, or reverse-engineer Platform systems,
• collude with other users to unfairly influence outcomes,
• exploit software bugs, errors, or mispriced markets,
• engage in fraud, identity misrepresentation, or payment abuse,
• harass support staff or other users.

The Platform may investigate suspected prohibited activity and may restrict accounts during the investigation.

Responsible play

You are responsible for managing your play within your limits. If you feel you are losing control, consider taking a break and contacting support to ask about available account restrictions.

Practical steps:

• set a budget and time limit,
• avoid chasing losses,
• do not play under the influence of alcohol or stress,
• seek professional help if gambling is affecting your finances or wellbeing.

Privacy and communications

By using the Platform, you acknowledge that:

• the Platform may collect and process personal data necessary to provide services, meet legal obligations, prevent fraud, and support operations,
• communications may be sent via in-app messages, SMS, email, WhatsApp, or Telegram depending on what you have provided and consented to,
• support channels may request information to verify ownership of your account.

For operational and security reasons, certain communications may be retained for record-keeping and dispute handling.

Suspension, closure, and forfeiture

The Platform may suspend, restrict, or close your account if it reasonably believes that:

• you breached these terms and conditions,
• you provided false or misleading information,
• your account is involved in fraud, chargebacks, or prohibited activity,
• it must do so to comply with law or a regulator request,
• continued access could harm users or Platform integrity.

What happens to balances on closure

Outcomes depend on the reason for closure and applicable law. For example:

• legitimate, verified balances may be paid out to an approved method after completing checks,
• promotional credits may be removed if you breach bonus terms,
• funds linked to fraud/chargebacks may be withheld or reversed where permitted.

Disputes, complaints, and governing law

Complaints process

If you have a complaint (for example, about a settlement, payment, or account restriction), contact support with:

• your registered phone/email,
• transaction IDs (deposit/withdrawal),
• relevant dates and screenshots (if any).

Support contacts referenced by the Platform include live chat on the website, Telegram (@shubhlabhonline), and WhatsApp support.

Evidence and records

For dispute handling, the Platform’s logs and records (bets, timestamps, payment notifications, and system data) may be used to investigate and determine outcomes, subject to applicable law.

Governing law

These terms are intended for users accessing the Platform in India. Any governing law and jurisdiction will be applied as required by applicable Indian law and the user’s location, and may vary depending on the nature of the dispute.

Changes to these terms

The Platform may update these terms and conditions to reflect:

• legal or regulatory changes,
• security or operational updates,
• product changes (payments, verification, promotions).

Updated terms apply from the time they are posted (or as otherwise stated). If you continue using the Platform after changes take effect, you agree to the updated terms.

Quick checklist (account rules and safe use)

Topic	What you should do
Account rules	Use one account only and keep details accurate
Verification	Complete KYC promptly to avoid withdrawal delays
Payments	Deposit and withdraw using payment methods you own
Bonus terms	Read promo conditions (wagering, expiry, limits) before opting in
Security	Protect your login and report unauthorized access quickly

For related guidance, you may also want to read: privacy policy, responsible gaming, and withdrawal guide.

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