1. Introduction and Acceptance of Terms

1.1. Definitions

These Terms of Service ("Terms" or "ToS") govern the relationship between you and CLOVER FOUR DIGITAL - FZCO (a company registered in Dubai Free Zone, UAE, hereinafter "CLOVER FOUR", "we", or "us") regarding your access to and use of our casual coin game Rummy City and all related services, websites, content, and features (collectively "Services").

1.2. Acceptance of Terms

By installing, using, or otherwise accessing our Services, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of these Terms, you may not install, use, or access our Services.

1.3. Governing Law and Jurisdiction

These Terms shall be governed by laws of UAE and mandatory consumer protection laws of EU/EEA jurisdictions, as set forth in Section 10.

2. Eligibility and Minors

2.1. Age Restriction

You must be at least eighteen (18) years of age to use our Services. Where the minimum age for consent for data processing in your jurisdiction (e.g., certain EU/EEA territories) is higher than 18, that jurisdiction's minimum age shall apply.

2.2. Minors

The Services are not intended for players under the age of 18. You acknowledge and guarantee that you will not, under any circumstances, provide access to Services to minors.

3. Limited License and Ownership

3.1. License Grant

Subject to your continued compliance with these Terms, CLOVER FOUR grants you a non-exclusive, non-transferable, non-sublicensable, revocable limited license to access and use Services solely for your personal, non-commercial entertainment purposes.

3.2. Ownership

The Services and all components thereof (including but not limited to all code, graphics, titles, stories, animations, music, and Virtual Items as defined in Section 5) and all intellectual property rights therein are and shall remain the property of CLOVER FOUR and its licensors.

3.3. No Account Ownership

You acknowledge and agree that you have no ownership or other proprietary interest in any Account created in connection with Services. All rights and interest in and to any such Account are and will be owned in perpetuity by and solely for the benefit of CLOVER FOUR.

4. Account, Suspension, and Termination

4.1. Account Responsibility

You are solely responsible for all activity, transactions, and security related to your Account. You agree not to share your Login Information with any third party.

4.2. Company Right of Termination

Without limiting any other remedies and to the fullest extent permitted under applicable law, we reserve the right to suspend, terminate, delete, limit, or modify Accounts or access to Services, at any time and without prior notice to you, if we solely determine that you have failed to comply with any of these Terms or have otherwise engaged in illegal or improper use of Services.

4.3. No Liability for Loss

You understand and agree that termination of your Account pursuant to Section 4.2 may result in loss of all Virtual Items, game progress, and purchases. To the fullest extent permitted under applicable law, CLOVER FOUR will not be held responsible for any losses you may incur as a result, and is under no obligation to compensate you or provide refunds therefor.

5. Virtual Items and Purchase Terms

5.1. Virtual Item License

When you purchase or earn virtual currency (e.g., coins, gems), in-game items, or any other digital goods (collectively, "Virtual Items"), CLOVER FOUR grants you a limited, personal, non-transferable, revocable license to use such Virtual Items, not ownership.

5.2. Non-Transferable

Virtual Items have no real-world value. You may not sell, redeem, exchange, or otherwise transfer Virtual Items to any other person or entity.

5.3. Control Over Virtual Items

CLOVER FOUR reserves the right to manage, control, regulate, modify, or eliminate any or all Virtual Items at any time, with or without notice to you, and shall have no liability to you or any third party for exercising such rights.

5.4. Refund Policy

All purchases and redemptions of Virtual Items are generally final and non-refundable, except where:

• We expressly determine otherwise;
• Applicable app store policies require a refund;
• The statutory rights of EU/EEA residents mandate a refund.

6. Rules of Conduct and Prohibited Activities

You agree not to engage in the following activities:

• Cheating and Abuse: Developing, distributing, or using any "auto" software, "macro" programs, cheat utilities, or unauthorized third-party code intended to interfere with, alter, or gain an unfair advantage in the game.
• Exploit Disclosure: Exploiting, distributing, or publicly informing others about any Services error, miscue, or bug that gives an unintended advantage, without immediately reporting it to us.
• Harassment and Offensive Speech: Posting or transmitting any content that is defamatory, threatening, obscene, pornographic, or hateful (racially, ethnically, or otherwise).
• Intellectual Property Infringement: Posting or making available any material or information that infringes on any third party's copyright, trademark, patent, or other proprietary rights.
• Commercial Use: Using the Services for unauthorized advertising, spam, or any other commercial activity.
• Account Transfer: Renting, selling, or otherwise transferring your Account.

7. Special Terms for EU/EEA Residents

If you are a consumer residing in the European Union or the European Economic Area (EU/EEA), the following clauses are mandatory and prevail in your relationship with CLOVER FOUR:

7.1. Statutory Consumer Protection

Nothing in these Terms shall affect your statutory rights under mandatory consumer protection laws of your country of residence.

7.2. Modification of Virtual Items (Pursuant to EU Digital Content Directive)

We may modify Virtual Items or Service content if (i) modification introduces new services, features or functionalities; (ii) the Virtual Items have to be adapted to a new technical environment or user numbers; or (iii) modifications are objectively necessary for other important operational reasons. Crucially: Such modifications shall be without additional cost to you and CLOVER FOUR will inform you of such modifications in a clear and comprehensible manner.

7.3. Limitation of Liability

CLOVER FOUR shall only be liable for damages in the event of intent, gross negligence, or slightly negligent breach of material contractual obligations (cardinal obligations). In the event of a slightly negligent breach of material contractual obligations, our liability shall be limited to compensation of foreseeable damages typical of the contract.

8. Limitation of Liability and Indemnification

8.1. Services Provided "AS IS"

The Services are provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties of any kind regarding quality, suitability, or uninterrupted operation.

8.2. Damage Cap

CLOVER FOUR will not be liable to you for any indirect, incidental, consequential, special, exemplary, or punitive damages (including loss of revenues or data). Our maximum aggregate liability shall not exceed the amount you have paid to CLOVER FOUR in the six (6) months immediately preceding the date on which you first assert a claim. If you have paid nothing, your sole remedy is to stop using the Services.

8.3. Indemnification

You agree to indemnify, save, and hold CLOVER FOUR harmless from any and all claims, losses, damages, and liabilities (including legal fees) arising out of or related to: (i) your breach or violation of these Terms; (ii) your misuse of Services; or (iii) our use of your User Content.

9. Dispute Resolution and Jurisdiction

9.1. Governing Law

EU/EEA Users: These Terms shall be governed by English law. However, you retain the right to rely on mandatory consumer protection laws of your home country.

UAE Users: These Terms shall be governed by UAE law.

9.2. Jurisdiction

Any disputes relating to these Terms shall be submitted to the competent courts of:

• The seat of CLOVER FOUR DIGITAL - FZCO (Dubai, UAE).
• OR courts of EU/EEA user's place of habitual residence (pursuant to EU consumer law).

9.3. Mandatory Arbitration (Non-EU/EEA)

For users residing outside the EU/EEA, disputes must generally be resolved through binding individual arbitration, and class actions are strictly waived.

10. Contact Information

If you have any questions regarding these Terms, please contact us at:

Company Name: CLOVER FOUR DIGITAL - FZCO
Company Address: DSO IFZA, IFZA Property FZCO, Dubai Silicon Oasis, Dubai, United Arab Emirates
Legal Contact Email: legal@rummycity.com