Terms & Conditions

  1. All the products and/or services (hereinafter will be referred as “Services”) provided by SMART LUDO and/or its subsidiaries, affiliates, partners and associates (hereinafter will be referred as “SMART LUDO”, “SMART LUDO” or “Us”) to the user (hereinafter will be referred as the “Player”, “User”, “the user” or “the user”) Smart Ludo mobile application (hereinafter will be referred as the “App” or “Application”) are subject to the terms and conditions (hereinafter will be referred as “Terms”) listed here.
  2. The user must read all the Terms carefully in their entirety prior to the user use of SMART LUDO Services.
  3. The user registration on the SMART LUDO or in any of SMART LUDO Services or use of SMART LUDO Services will mean that the user has read and accepted all SMART LUDO Terms.
  4. If any of the Terms are determined to be unlawful, invalid, void or unenforceable for any reason by any judicial or quasi - judicial body in India, it will not affect the validity and enforceability of the remaining Terms.
  5. All the  promotions, games, events, competitions or SMART LUDO tournaments when organised by SMART LUDO shall be governed by the same Terms and any supplementary terms and conditions that may be specifically applied for that promotion, game, event, competition or tournament.
  6. The applicable laws in Telangana State restricts Players from using the Services offered on SMART LUDO.
  7. There may be penalties imposed on such players by the State Government or Central Government of India as the case maybe.
  8. In addition to this, SMART LUDO also does not offer SMART LUDO Services in the states of Nagaland, Sikkim, Assam, Orissa & Kerala.
  9. SMART LUDO does not accept registration requests from people who are staying in Telangana.
  10. If a player staying in Telangana creates an account of the site by giving any false information (incorrect state, IP, etc.) the liability will be solely of the player.
  11. SMART LUDO reserves the right to terminate such user(s) accounts without any prior notice and may also reserve the right to confiscate such player(s) deposit and/or winnings as the case might be.
  12. SMART LUDO is a game of SKILL and not of CHANCE
  13. The user, at any time, are free to discontinue use of the application. The withdrawable cash balance will be disbursed the same to the user by online transfer through SMART LUDO standard procedure.
  14. The user cannot register with multiple accounts
  15. SMART LUDO reserves the right to limit or modify the rewards & games at any time
  16. Business entities are not eligible to become members.
  17. Earning rewards or change in Terms and conditions are subject to change at any time without notice the user is requested to check with the Terms and conditions time to time.
  18. No User is Allowed  to use or create fake ID or provide any fake profile information.
  19. In the case of any reasonable doubt of the breach of contract by the user SMART LUDO shall forfeit the amount of cash left in the user's account.
  20. Users represent that he/she is 18 years of age or older to participate in any Games and are also otherwise competent to enter into transactions with other users and SMART LUDO.
  21. The user is aware that participation in the Games organized by SMART LUDO may result in financial gain or loss to the user.
  22. The users are voluntarily participating in playing SMART LUDO and assume all responsibility for and risk resulting from the user's participation, including all risk of financial loss.
  23. The user agrees to indemnify and hold us, SMART LUDO employees, directors, officers, and agents harmless with respect to any and all claims and costs associated with the user participation in the Activity.
  24. The user shall use his/her account only for non-commercial entertainment purposes.
  25. The user  shall not use the user account for any illegal activity.
  26. The user shall not try to anyway hack the game application in any form.
  27. Once banned the user is not allowed to create any other account it will be considered a breach of these terms and conditions.
  28. In-app purchases are not refundable.
  29. SMART LUDO would send push notifications or alerts to the user mobile device to provide app-related information, service updates, promotional communications and other related messages.
  30. If the user integrates the account with the social media service the features that each User agreed to use enables the sharing of information with other contacts or the general public, depending on the configuration options the entity provides.
  31. SMART LUDO does not create any obligation to give the user a prize more than what he earned.
  32. SMART LUDO  would reserve the right to record any and all user content produced by way of but not limited to chat messages.
  33. SMART LUDO is not liable for any network connectivity issue faced by a user.
  34. As a part of KYC, the user may be required to provide personal information and identification proof, including PAN and/or Aadhaar number , etc. or any other proof as the SMART LUDO may ask, or otherwise as and when required, when the user opt to play SMART LUDO with cash.
  35. The personal information provided by the user will be stored for internal purposes to confirm the authenticity of the account but the other information would also be used for communication purposes, including promotional activities.
  36. The money in the user account should only be used for the purpose of cash play.Any other understanding of such money would be considered as breach to the contract.
  37. There will be tax deduction for the amount above Rs.10,000/- in a single Game or as the case may be.
  38. The user will furnish Permanent Account Number (PAN) duly issued to the user by the Income Tax authorities
  39.  All prizes shall be subject to deduction of tax ("TDS") as per the Income Tax Act 1961.
  40.  The Winners shall be responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money.
  41. The user is prohibited doing any activity which would be considered illegal that may be construed as money laundering.
  42.  Including, but not limited to, attempting to withdraw real money added through credit cards or deliberately losing money to a certain user.
  43. The user shall play all the games himself through his own account.If otherwise it will be considered a breach of contract.
  44. If the user uses unauthorized components and tries to create or uses any cheats, exploits, bots, hacks or any other third-party software designed to modify the SMART LUDO or the App.
  45. The user also undertakes that he/she will not use any third-party software that intercepts, mines or in any way collects information from or through SMART LUDO.
  46.  Any attempt to employ any such external assistance is considered breach and shall account to civil action.
  47. Formation of teams by the user is prohibited.
  48. The user shall not login name or password, or upload/distribute/transmit/publish/post content through or on SMART LUDO or through any service/facility including any messaging facility provided by SMART LUDO

 a) illegal, libellous, intimidating, abusive, obscene, invasive of privacy, defamatory, harassing; b) contains expressions of hatred, expressions hurting religious sentiments, or expressions related to racial discrimination or pornography;

 c) is in any way objectionable or undesirable (whether or not unlawful);

d) is or can be construed as an incitement to commit a criminal offence;

e) violates the rights of any person;

 f) promotes a competing service or product;

g) violates the intellectual property of any person and/or any legally formed entity;

 h) disparage in any manner www.ludoskill.com or any of its subsidiaries, affiliates, licensors, associates, partners, sponsors, products, services, or SMART LUDOs;

 i) violates any applicable laws; or

 j) is aimed at soliciting donations or other form of help.

  1. All transactions on SMART LUDO Shall be in Indian Rupees(INR).
  2. Credit card, debit card, prepaid cash cards and internet banking payments are processed through third-party payment gateways
  3. Similarly, other payment modes also require an authorization by the intermediary that processes payments.
  4.  SMART LUDO IS not responsible for delays or denials at their end and processing of payments will be solely in terms of their policies and procedures without any responsibility or risk.
  5. SMART LUDO has the right to cancel a transaction at any point of time solely according to SMART LUDO discretion in which case if the payment is successful, then the transaction will be reversed, and the money credited back to the user payment instrument.
  6. If the user faces Service disruptions, including, but not limited to disconnection or communication interferences due to issues in the internet infrastructure used for providing or accessing the Services or due to issues with the hardware and software used by the user.
  7.  The user shall agree that SMART LUDO has no control over these factors.
  8. The user shall take full responsibility in case losses are incurred during such a process.
  9. The user  agrees that under no circumstances shall the user compel SMART LUDO or hold SMART LUDO liable to pay any amount over and above the service charges for any of the aforementioned errors/omissions of SMART LUDO.
  10. All Content on application shall be utilised only for the purpose of availing Services in conformity with the Terms.
  11. The user acknowledges that all ownership rights and all copyright and other intellectual property rights in the Content are owned by SMART LUDO or licensors and that the user has no right title or other interest in any such items except as expressly stated in the Terms.
  12. The user may not hyperlink the SMART LUDO without permission from SMART LUDO.
  13. If SMART LUDO has any evidence, through the investigations or reasonable belief, of a breach of SMART LUDO Terms of Service an action would be taken and the user will be suspended.
  14. Such a suspension Shall
  • forfeit the amount of cash left in the user account
  • demand and order damages for breach of SMART LUDO Terms of Service and take required civil actions to recover damages



  1. The users continued usage  after the said change shall mean that the user will  accept all the Terms unconditionally.
  2. SMART LUDO can add, modify, suspend or discontinue any or all Services offered at any given point of time without notice.
  3. SMART LUDO is not liable for any loss incurred by the user in case of modification, suspension or discontinuation of any or all Services.
  4. In addition to specific references to limitation of liability of SMART LUDO elsewhere in the Terms, under no circumstances (including, without limitation, in contract, negligence or other tort), SMART LUDO is not liable.
  5. SMART LUDO shall not be be liable for any
  •  loss, injury
  •  Claim
  •  loss of income
  •  loss of data
  • loss of profit or loss of opportunity
  • loss of or damage to property
  • general damages or any direct, indirect, special, incidental, consequential, exemplary or punitive damages of any kind whatsoever arising out of or in connection with the user’s access to, or use of, or inability to access or use, the Services on the SMART LUDO or App.
  1. The user shall indemnify SMART LUDO and the service providers and licensors against any claims in respect of any such matter.
  2. Any loss incurred in transmitting information from or to SMART LUDO or from or to application by the internet or by other connecting media.
  3. The user shall indemnify SMART LUDO in the case of
  • Any technical failures
  • breakdowns, defects
  • Delays
  • Interruptions
  •  Improper or manipulated data transmission
  • Data loss or corruption or communications’ infrastructure failure
  • viruses or any other adverse technological occurrences arising in connection with user’s access to or use of SMART LUDO..
  • The accuracy, completeness or currency of any information services provided on the SMART LUDO and App.
  • Any delay or failure on SMART LUDO part to intimate the user where SMART LUDO may have concerns about The user’s activities.
  • The user’s  activities/transactions on third-party SMART LUDOs or apps accessed through links or advertisements posted on the SMART LUDO
  1. The user agrees to be updated with the law from every region and jurisdiction, there may be instances where SMART LUDO may not receive prompt update regarding the changes in the law of a particular jurisdiction.
  2. The user should not play SMART LUDO in case it is illegal in the region and within their jurisdiction from where they live and access SMART LUDO.
  3. The user agrees to not hold SMART LUDO for
  • claim, demand, damage, or loss including reasonable attorneys' fees, arising out of the user's non-compliance with the laws of the user jurisdiction.


  1. In no event shall SMART LUDO or any parties, organizations or entities associated with the corporate brand name us or otherwise, mentioned at this SMART LUDO be liable for any damages whatsoever (including, without limitations, incidental and consequential damages, lost profits, or damage to computer hardware or loss of data information or business interruption) resulting from the use or inability to use the application, whether based on warranty, contract, tort, or any other legal theory, and whether or not, such organization or entities advised of the possibility of such damages.
  2. All logos, brands, marks headings, labels, names, signatures, numerals, shapes or any combinations thereof, appearing in this site, except as otherwise noted, are properties either owned, or used under licence, by the business and / or its associate entities who feature on this SMART LUDO. The use of these properties or any other content on this site, except as provided in these terms and conditions or in the site content, is strictly prohibited.
  3. The user will not sell or modify the content of this SMART LUDO or reproduce, display, publicly perform, distribute, or otherwise use the materials in any way for any public or commercial purpose without the respective organisation’s or entity’s written permission.
  4. Any material accessed, downloaded or otherwise obtained through SMART LUDO is done at the User's discretion, competence, acceptance and risk, and the User will be solely responsible for any potential damage to User's computer system or loss of data that results from a User's download of any such materia


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