svipgems Terms and Conditions — Pakistan Online Gaming Platform

Definitions

Throughout these Terms and Conditions, the following terms carry specific meanings. Understanding them will help you interpret your rights and obligations as a svipgems member clearly.

• "svipgems", "we", "us", "our" — refers to the operator of the svipgems platform at svipgems.im, its licensees, and affiliated entities responsible for managing the platform.
• "You", "member", "player", "user" — refers to any individual who has registered an account on svipgems or is accessing the platform in any capacity.
• "Platform" — refers to the svipgems website, mobile interface, and all games, betting markets, and services accessible through a registered account.
• "Real Money Balance" — refers to funds deposited by you in PKR, and won from bets placed using real money, that are freely withdrawable (subject to KYC completion).
• "Bonus Balance" — refers to credits awarded by svipgems under a promotion. Bonus balances are not withdrawable until applicable wagering requirements are fully met.
• "Wagering Requirement" — the total amount of bets that must be placed before bonus funds convert to real money balance eligible for withdrawal.
• "KYC" — Know Your Customer verification. The process of confirming your identity and age using government-issued documents.
• "PKR" — Pakistani Rupee. The sole currency used for all transactions on svipgems.

Eligibility & Registration

To register and maintain an account on svipgems, you must meet all of the following eligibility requirements at the time of registration and continuously throughout your membership.

• You must be at least 18 years of age. svipgems does not accept registrations from individuals under 18 under any circumstances.
• You must be a natural person — corporate or automated registrations are not permitted.
• You must not be a resident of a jurisdiction where online gaming is explicitly prohibited by law. It is your responsibility to confirm local legal requirements before registering.
• You must not be a current employee, director, contractor, or immediate family member of a svipgems employee who could have access to non-public information affecting bet outcomes.
• You must not currently be subject to a self-exclusion request on svipgems or any affiliated platform.

During registration, you agree to provide accurate, truthful, and current personal information including your full legal name, date of birth, and a valid mobile number. Providing false information is grounds for immediate account closure.

Account Management

Your svipgems account is personal to you. You are fully responsible for maintaining the confidentiality of your login credentials and for all activity that takes place under your account.

• Do not share your password, OTP, or account access with any other person. svipgems support staff will never ask for your password.
• You are responsible for any bets placed, deposits made, or bonuses claimed through your account, whether placed by you directly or by someone else who accessed your account.
• Notify svipgems immediately via live chat or support@svipgems.im if you believe your account has been accessed without your permission.
• svipgems reserves the right to request periodic re-verification of your identity, particularly before processing large withdrawals or if unusual activity is detected.
• Accounts that have been inactive for 12 consecutive months may be flagged as dormant. An administrative maintenance fee may be applied to dormant accounts after written notice has been sent to the registered contact.

svipgems reserves the right to close, suspend, or restrict any account where we have reasonable grounds to believe that these Terms have been violated, fraudulent activity has occurred, or the safety of the platform or other players is at risk.

Deposits & Payments

All deposits on svipgems are processed in Pakistani Rupees (PKR). We accept deposits via Easypaisa, JazzCash, NayaPay, SadaPay, bank transfer (IBFT), and Visa/Mastercard debit or credit cards.

• Minimum deposit: Rs 500
• Maximum deposit limits vary by account tier and may be adjusted based on your verification status and account history.
• Deposits are credited to your svipgems wallet in real time for Easypaisa and JazzCash. Bank transfers may take up to 1 business day.
• svipgems does not charge a deposit fee. Third-party transaction fees imposed by your payment provider are outside our control.
• You must only deposit funds from payment methods registered in your own name. Depositing using another person's payment account is not permitted and may result in account suspension and reversal of funds.

svipgems reserves the right to reverse deposits that cannot be verified as originating from a payment method registered to the account holder. In cases where funds cannot be returned to the original source, they may be held pending investigation.

Withdrawals

Withdrawals of your real money balance may be requested at any time, subject to KYC verification being complete and no open bonus wagering requirements remaining on your account.

• Minimum withdrawal: Rs 1,000
• Standard processing time: under 30 minutes for Easypaisa and JazzCash
• VIP Gold and above: under 10 minutes for mobile wallet withdrawals
• Bank transfers (IBFT): same business day during bank hours
• Withdrawals are processed to the same payment method used for your most recent deposit where operationally possible.

svipgems may request additional documentation before processing a withdrawal, particularly for accounts that have not previously completed full KYC, or where the withdrawal amount is significantly higher than prior activity suggests is typical for your account. This is a player protection measure, not a delay tactic — our target is to complete all documentation reviews within 24 hours of receiving complete documents.

Bonuses & Promotions

svipgems offers various promotional incentives including welcome bonuses, deposit match bonuses, free spins, cashback offers, reload bonuses, and VIP Club rewards. Each promotion carries its own specific terms, which are published on the relevant promotion page and take precedence over this general section where they differ.

The following general rules apply to all svipgems promotions unless a specific promotion's terms explicitly state otherwise:

• Welcome bonuses are available to new members only. One welcome bonus per person, per household, and per payment method.
• Bonuses are credited to your bonus balance. Your real money balance is always wagered first. Bonus balance activates once real money balance reaches zero during eligible play.
• All bonus amounts must be wagered the stated number of times before any portion of that bonus becomes withdrawable as real money.
• Free spin winnings are credited as bonus balance and subject to the wagering requirement stated in the specific promotion.
• Wagering contributions vary by game type. Slots typically contribute 100%, live casino games 10–20%, and sports bets at standard contribution rates — exact figures are stated in each promotion.
• Minimum odds requirements apply to sports bets that contribute to wagering. Bets placed at odds below the stated minimum will not count towards wagering.
• svipgems reserves the right to void any bonus and associated winnings if there is evidence of abuse — including but not limited to: low-risk betting strategies designed to clear wagering with minimal risk, multi-accounting, or providing false information during registration.
• Bonuses must be used within the validity window stated in each promotion. Expired bonuses are forfeited automatically.

Betting Rules

The following rules apply to all sports and cricket betting on svipgems. Game-specific rules for casino products are covered in Section 8.

• All bets are final once confirmed on the svipgems bet slip. Bets cannot be cancelled or amended after placement except where a Cash-Out option is displayed and selected by you before the relevant market closes.
• Minimum single bet: Rs 200. Maximum bet limits vary by market and event and are displayed on each market.
• Odds are subject to change up to the moment a bet is placed. The odds displayed at the time you confirm your bet are the odds that apply to that bet — any subsequent market movement does not affect confirmed bets.
• In-play bets are subject to a brief processing delay. During live events, if the status of a market changes between placement and confirmation (e.g., a goal or wicket falls), svipgems reserves the right to void the bet if the outcome of the relevant market was already determined at the time of placement.
• In the event of a technical fault during a sporting event that prevents accurate live data from being received, svipgems may suspend in-play markets. Bets already confirmed before suspension remain valid.
• Accumulator bets settle as the product of all individual leg outcomes. If one or more legs are voided, the accumulator settles on the remaining legs. A single-leg accumulator becomes a single bet at the remaining odds.

Abandoned or postponed events: if a match is abandoned before a result is possible (below the minimum qualifying period for the relevant sport), most markets settle as void and stakes are returned. Where a result has been declared via official competition rules (e.g., DLS in cricket), markets settle on that declared result.

Casino & Live Games

All casino games — including slots, live casino tables, Teen Patti variants, and instant games such as Aviator — are operated by licensed third-party providers whose software runs on independently certified Random Number Generator (RNG) engines.

• Game rules specific to each title are accessible from within the game interface. In any dispute about a game outcome, the game provider's server-side log is the authoritative record.
• If a game session is interrupted by a connection failure on your side, the round outcome is determined at the server and cannot be reversed or replayed. Any winnings from a completed round are credited to your account automatically when you reconnect.
• Progressive jackpots displayed on svipgems reflect the current pool value in real time. The jackpot amount displayed is the PKR amount that will be credited to your wallet if you win — there is no further conversion or fee deduction.
• Jackpot wins above a certain threshold may be subject to a brief manual verification before crediting. svipgems will complete this review within 24 hours and communicate the outcome to you directly.
• svipgems is not liable for losses resulting from a player's misunderstanding of a game's rules or mechanics. Demo mode is available on most non-jackpot titles to allow familiarity before real money play.

Fair Play & Prohibited Conduct

svipgems is committed to maintaining a fair and honest gaming environment for all members. The following activities are strictly prohibited and may result in immediate account suspension, permanent closure, and forfeiture of all balances.

• Bonus Abuse: Exploiting bonus offers through low-risk hedging strategies, matched betting with the intent to withdraw bonus funds without genuine engagement, or systematic abuse of promotions across multiple accounts.
• Multi-Accounting: Operating more than one svipgems account in any form — including accounts registered with different details but operated from the same device, IP address, or payment method.
• Collusion: Coordinating with other players to manipulate the outcome of a game, share information during live card game sessions, or act together to circumvent the house edge.
• Fraudulent Deposits: Using stolen, cloned, or unauthorised payment methods to fund an account.
• Automated Play: Using bots, scripts, or automated betting software that places bets without direct human input per round.
• Match Fixing Information: Placing bets using inside information about a fixed sporting event. svipgems cooperates with sporting integrity bodies and will report such cases accordingly.
• Chargebacks: Initiating a payment reversal with your bank or mobile wallet provider after funds have been used for betting. Chargeback activity results in immediate account suspension pending investigation.

KYC & Verification

Know Your Customer verification is required before processing your first withdrawal and periodically thereafter. KYC is a legal and regulatory requirement — it protects you from fraud, ensures the platform cannot be misused for money laundering, and confirms you meet the age requirements.

To complete KYC on svipgems, you will need to provide:

• A clear copy of your CNIC (Computerised National Identity Card) — front and back — or a valid Pakistani passport
• A selfie holding the document alongside your face, or a short video verification
• For withdrawals above certain thresholds, proof of payment method ownership may be requested — for example, a screenshot of your Easypaisa account showing your name and mobile number

Documents submitted to svipgems are processed securely and used exclusively for identity verification purposes. We do not share your documents with third parties except where legally compelled or required by our licensing authority. Full details are in the Privacy Policy.

KYC review typically completes within 24 hours of receiving complete documentation. We will contact you via your registered mobile number or email if additional documents are needed.

Privacy & Data

svipgems collects, stores, and processes personal data in accordance with our Privacy Policy, which forms part of these Terms and Conditions. By registering, you consent to the data practices described in the Privacy Policy.

Key points relevant to your data as a svipgems member:

• We collect registration data (name, mobile number, date of birth), transaction data, gameplay history, and device/session information for account management, fraud prevention, and regulatory compliance.
• We do not sell your personal data to third-party marketers.
• We use data to personalise your experience — including recommending games and promotions relevant to your play history.
• You have the right to request a copy of the personal data we hold about you and to request correction of inaccurate data.
• Closed accounts: we retain transaction and identity records for the period required by applicable law (typically 5 years) before deletion.

Responsible Gaming

svipgems takes the welfare of its members seriously. Gaming is intended to be an enjoyable activity — not a financial strategy or a response to personal stress. We provide a full suite of responsible gaming tools and we actively encourage their use.

• Deposit Limits: Set daily, weekly, or monthly caps on deposits. Reductions take effect immediately. Increases require a 48-hour waiting period.
• Loss Limits: Cap the amount you can lose in a defined time window. When reached, betting pauses until the period resets.
• Session Time Alerts: Choose a duration after which you receive a reminder. You decide whether to continue.
• Self-Exclusion: Close access to your account for a minimum of 24 hours up to permanent exclusion. Takes effect immediately.

All responsible gaming controls are accessible from your account dashboard in two taps. You do not need to contact support to activate them. Self-exclusion requests are permanent once the stated period begins — svipgems will not accept cancellation requests during an active exclusion.

If you believe your gambling has become problematic, svipgems encourages you to reach out to a qualified counselling service. You can also contact our responsible gaming team at support@svipgems.im to discuss your options confidentially. Full details are at Responsible Gaming.

Limitation of Liability

svipgems provides its platform on an "as is" basis and makes no warranties regarding uninterrupted availability, error-free operation, or the accuracy of information provided on the site at any given moment.

• svipgems is not liable for losses arising from temporary platform downtime, internet connectivity issues on your side, or third-party payment processing delays outside our control.
• In the event of a manifest pricing or odds error, svipgems reserves the right to void any bets placed at the incorrect odds, regardless of whether those bets have been settled. You will be notified and your stake refunded in full.
• Maximum liability to any member in connection with a single claim arising from platform failure is limited to the value of the affected bet stake — not potential winnings.
• Nothing in these Terms limits liability for death or personal injury caused by negligence, or for any matter that cannot legally be excluded.

Gaming is a risk activity and losses are a normal outcome. By registering on svipgems, you acknowledge that you may lose money and that this is an accepted risk you are taking voluntarily. svipgems is not responsible for the gambling decisions you make.

Amendments to These Terms

svipgems reserves the right to amend, update, or replace these Terms and Conditions at any time. Where changes are material — affecting your rights, obligations, or the core commercial terms of your membership — we will provide at least 7 days' advance notice via email or in-platform notification to your registered contact.

Minor clarifications, formatting corrections, or updates that do not materially affect member rights may be made without advance notice. The "Last Updated" date at the top of this page will always reflect the most recent revision.

If you do not agree with an amendment, your remedy is to close your account before the effective date. Continued use of the svipgems platform after an amendment's effective date constitutes acceptance of the revised Terms.

Governing Law & Disputes

These Terms and Conditions are governed by the laws of the jurisdiction under which svipgems holds its gaming licence. In the event of a dispute arising from your use of the platform, you agree to first attempt resolution through our internal complaints process before escalating to any external body.

To raise a complaint, contact svipgems support via live chat or at support@svipgems.im with full details of the issue including your account ID, the relevant game or market, the date and time of the event, and the outcome you believe was incorrect. We will acknowledge your complaint within 24 hours and provide a full response within 5 business days.

If you are unsatisfied with our resolution, you may escalate to the relevant licensing authority as detailed in the contact information on file with that authority. svipgems cooperates fully with all regulatory review processes.

Contact Us

If you have questions about these Terms and Conditions, need clarification on any policy, or wish to raise a concern, you can reach the svipgems team through the following channels:

• Live Chat: Available 24/7 from the bottom-right icon on any svipgems page. Average response time: under 2 minutes.
• Email: support@svipgems.im — for non-urgent queries, complaints, and KYC document submission.
• FAQ: Answers to common account, payment, and gaming questions at svipgems FAQ.

When contacting support, please include your registered mobile number and a brief description of your query. This helps our team locate your account and respond accurately and quickly.