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  <title>Withdrawal Policy | Secure & Transparent Gaming Payouts</title>
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  <meta name="description" content="Learn about our secure, KYC-compliant withdrawal process, timelines, and state-wise restrictions for safe and legal gaming payouts in India.">
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                <h2>Withdrawal Policy</h2>
                <p>At Zaargames  ("we", "our", or "us"), we strive to maintain a transparent, secure, and legally compliant withdrawal process for all our users. This Withdrawal Policy outlines the procedures, timelines, and terms applicable to withdrawing winnings and balances from your account on our platform.</p>
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                <p><strong>1. Eligibility for Withdrawal</strong></p>
                <p>To be eligible to withdraw funds from your account, you must:</p>
                <ul>
                  <li>Be a resident of India.</li>
                  <li>Be 18 years of age or older.</li>
                  <li>Have a verified account with completed Know <strong>Your Customer (KYC)</strong> documentation.</li>
                  <li>Not be from a restricted state (see Section 8).</li>
                  <li>Ensure that your account does not have any ongoing disputes, restrictions, or investigations related to gameplay or fraud.</li>
                </ul>
      
                <p><strong>2. KYC & Verification</strong></p>
                <p>In accordance with Indian regulatory guidelines and anti-money laundering (AML) laws, users must complete KYC verification before initiating a withdrawal. This includes submitting:</p>
                <ul>
                  <li>Valid Government-issued Photo ID (e.g., Aadhaar, PAN, Passport)</li>
                  <li>Bank account details (Name, Account Number, IFSC Code)</li>
                  <li>Proof of address (if required)</li>
                  <li>PAN card is mandatory for tax deduction and compliance with the Income Tax Act, 1961.</li>
                </ul>
                <p>We reserve the right to request additional documentation for identity or bank verification.</p>
      
                <p><strong>3. Withdrawal Process</strong></p>
                <ul>
                  <li>Withdrawals must be made to the bank account linked to the verified user profile.</li>
                  <li>Minimum withdrawal amount: ₹[insert minimum amount]</li>
                  <li>Maximum withdrawal per day: ₹[insert amount], subject to change based on user verification level.</li>
                  <li>Withdrawal requests are processed within 24-72 business hours. However, actual credit to your account may vary based on banking hours, holidays, or other delays beyond our control.</li>
                </ul>
      
                <p><strong>4. Withdrawal Limits and Conditions</strong></p>
                <ul>
                  <li>Bonuses, promotional credits, or referral rewards cannot be withdrawn unless stated otherwise in specific offer terms.</li>
                  <li>Any suspicious, abusive, or irregular play may lead to withdrawal restrictions, pending investigation.</li>
                  <li>Users must comply with gameplay and fair play policies. Violations may result in forfeiture of winnings.</li>
                </ul>
      
                <p><strong>5. Tax Deducted at Source (TDS)</strong></p>
                <ul>
                  <li>As per Section 194BA of the Income Tax Act (updated as of April 1, 2023), TDS will be applicable at 30% on net winnings at the time of withdrawal or at the end of the financial year, whichever is earlier.</li>
                  <li>A TDS certificate (Form 16A) will be provided for applicable deductions.</li>
                  <li>It is the user's responsibility to declare gaming income and ensure compliance with personal tax obligations.</li>
                </ul>
      
                <p><strong>6. Modes of Withdrawal</strong></p>
                <p>Withdrawals will be processed through:</p>
                <ul>
                    <li>IMPS/NEFT/RTGS (based on the amount and user’s bank)</li>
                    <li>UPI (for smaller withdrawal amounts, subject to limits and verification)</li>
                </ul>
                <p>No cash withdrawal or third-party account transfers are permitted.</p>
      
                <p><strong>7. Fees and Charges</strong></p>
                <p>We may apply nominal processing fees on withdrawals, which will be disclosed at the time of the request. Charges vary depending on the withdrawal method and amount.</p>
      
                <p><strong>8. State-wise Restrictions</strong></p>
                <p>In compliance with state laws, users residing in the following states are not permitted to participate or withdraw winnings from paid contests:</p>
                <ul>
                  <li>Assam</li>
                  <li>Odisha</li>
                  <li>Telangana</li>
                  <li>Andhra Pradesh</li>
                  <li>Nagaland</li>
                  <li>Sikkim</li>
                  <li>Tamil Nadu (if applicable as per local law)</li>
                </ul>
                <p>This list is subject to change based on evolving legal and regulatory conditions.</p>
      
                <p><strong>9. Failed or Rejected Withdrawals</strong></p>
                <p>Withdrawals may be rejected due to:</p>
                <ul>
                  <li>Incorrect bank details</li>
                  <li>Failed KYC</li>
                  <li>Violation of terms or suspected fraudulent activity</li>
                  <li>Regulatory restrictions</li>
                </ul>
                <p>In such cases, users will be notified, and the amount will be credited back to the game wallet.</p>
      
                <p><strong>10. Dispute Resolution</strong></p>
                <p>Any disputes or concerns related to withdrawals should be reported to our support team at [Support Email or Contact Form]. We aim to resolve all issues within 5-7 business days. For unresolved disputes, users may refer to grievance redressal mechanisms mentioned in our Terms of Use.</p>
      
                <p><strong>11. Policy Updates</strong></p>
                <p>We reserve the right to modify this Withdrawal Policy to reflect legal or operational changes. Users will be notified of any significant updates via email or on our website. Continued use of our services implies acceptance of the updated policy.</p>
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