Legal & Compliance Package

1. Privacy Policy

• Purpose: Data protection, Google trust signal.
• Collect only essential info: Name, Email, Phone, Payment Details.
• Secure storage with encryption protocols.
• Users can request deletion/modification of personal data.
• Data is never shared with third parties without consent except as required by law.
• Cookies are used for site improvement and user experience.

2. Terms & Conditions

• Purpose: Rules & legal agreement.
• Users must be 18+ and comply with local laws.
• Account registration requires accurate info; one account per user.
• Users responsible for their login credentials.
• Deposits & withdrawals via authorized payment methods only.
• Bonuses and promotions subject to terms & wagering requirements.
• Misuse, fraud, or illegal activity may result in account suspension/termination.
• Governed by Indian law; disputes handled under Indian courts.

3. Responsible Gaming Policy

• Purpose: User safety + Google trust signal.
• Only 18+ users; KYC verification mandatory.
• Deposit & loss limits, session reminders, and self-exclusion tools available.
• Support and advice via BeGambleAware.org.
• Encourage safe play: demo ID, focus on familiar games, set personal limits, use bonuses wisely.

4. Disclaimer Policy

• Purpose: Risk disclosure + SEO + legal coverage.
• Gaming involves financial risk and may be addictive.
• Users must be 18+ and comply with state laws.
• Sky Exchange does not guarantee profits.
• Agreement to Terms & Privacy Policy is mandatory.

5. Refund & Cancellation Policy

• Purpose: Financial transparency + trust.
• Deposits and bets are final once placed.
• Refunds only for technical errors, duplicate payments, or failed transactions.
• Withdrawals processed within 24 hours, subject to verification.
• Cancellations not allowed once bets confirmed.

6. KYC & Verification Policy

• Purpose: Legal compliance + fraud prevention.
• Identity verification via PAN, Aadhaar, Passport, or Driving License.
• Ensures only eligible 18+ users access platform.
• Helps prevent fraud, money laundering, and account misuse.

7. AML & Fair Play Policy

• Purpose: Prevent illegal activity + compliance.
• Strictly prohibit fraud, money laundering, collusion.
• Transactions monitored; suspicious activity may lead to account suspension or reporting to authorities.
• Ensure fair play and trust.

8. Cookie Policy

• Purpose: Google-friendly, tracking transparency.
• Cookies used to enhance browsing experience, personalize offers, and analyze traffic.
• Users can manage or disable cookies via browser settings.

9. Affiliate Disclosure

• Purpose: Transparency + Google trust signal.
• Some links may be affiliate links.
• Commission earned does not affect user cost.
• Recommendations are unbiased and based on safe & reliable services.

10. Grievance Redressal Policy

• Purpose: Customer support + Indian IT Rule compliance.
• Complaints can be raised via Email, WhatsApp, or Live Chat.
• Response within 24 hours, resolution usually in 7 working days.
• Grievance Officer appointed as per Indian IT Rules.
• Users must provide account info, transaction ID, and screenshots if needed.