Terms & Conditions - ludu User Agreement

Last Updated: January 1, 2026

These Terms and Conditions (the "Agreement") constitute a legally binding agreement between you (the "User" or "Player") and ludu (the "Company," "we," "us," or "our"), governing your access to and use of the ludu online gaming platform (the "Platform") available at https://ludu.onl and any associated mobile applications. By registering an account, accessing the Platform, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy, which is incorporated herein by reference.

1. Account Registration and Eligibility

1.1 Eligibility Requirements

To register an account on ludu, you must meet the following eligibility criteria:

• You must be at least 21 years of age at the time of account creation.
• You must be a resident of Bangladesh and physically located within Bangladesh when accessing the Platform.
• You must provide accurate, complete, and current information during the registration process, including your full legal name, date of birth, contact details (email address and mobile phone number registered in Bangladesh), and residential address.
• You must not be a person who has previously had a ludu account closed or suspended for violation of these Terms and Conditions or any other reason related to fraudulent activity, underage gambling, or breach of our policies.
• You must not be subject to any legal restriction or prohibition that prevents you from gambling online under the laws of Bangladesh or any other applicable jurisdiction.

1.2 Account Creation

During the registration process, you will be required to create a unique username and secure password. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to immediately notify ludu of any unauthorized use of your account or any other breach of security. ludu will not be liable for any loss or damage arising from your failure to comply with these security obligations.

1.3 One Account Per Person

Each User is permitted to hold only one active account on the ludu Platform. Opening multiple accounts, whether under your own name or using false or borrowed identities, is strictly prohibited and constitutes fraud. If we detect that you have opened or are operating multiple accounts, we reserve the right to immediately close all such accounts, void any transactions, cancel any winnings, and withhold any withdrawals pending investigation. Any funds associated with duplicate accounts may be forfeited.

1.4 Verification and KYC

To comply with anti-money laundering (AML) regulations and to verify your identity and eligibility, ludu reserves the right to request documentation from you at any time. This may include, but is not limited to, a copy of your national identity card, passport, birth certificate, utility bill, bank statement, or other government-issued identification proving your age, identity, and residential address in Bangladesh. Failure to provide requested documentation within the timeframe specified by ludu may result in suspension of your account and restriction of deposits, withdrawals, and gameplay until verification is complete. We may also use third-party verification services to validate the information you provide.

2. Account Responsibilities and Conduct

2.1 User Obligations

By using the ludu Platform, you agree to the following:

• You will use the Platform solely for personal entertainment purposes and not for any commercial, professional, or illicit use.
• You will not use the Platform if you are located outside Bangladesh or if you are accessing the Platform through a virtual private network (VPN), proxy server, or other technology designed to obscure your actual location.
• You will not engage in any fraudulent activity, including but not limited to collusion with other players, use of automated betting software or bots, exploitation of software bugs or errors, or any other conduct designed to gain an unfair advantage.
• You will not attempt to manipulate, hack, interfere with, or disrupt the operation of the Platform, including any server, network, or security measure associated with the Platform.
• You will not use abusive, offensive, threatening, or harassing language or behavior toward ludu staff, customer support representatives, or other players.
• You will not engage in money laundering or any other illegal financial activity using the Platform. All deposits must originate from accounts in your own name, and all withdrawals must be made to accounts in your own name.

2.2 Prohibited Activities

The following activities are strictly prohibited on the ludu Platform and will result in immediate account suspension or termination:

• Providing false, misleading, or fraudulent information during registration or at any subsequent point.
• Sharing your account credentials with third parties or allowing others to access or use your ludu account.
• Participating in any form of bonus abuse, including but not limited to creating multiple accounts to claim welcome bonuses, using software to bypass wagering requirements, or coordinating with other users to manipulate promotional offers.
• Engaging in reverse transaction fraud, such as initiating a chargeback or payment dispute with your bank or payment provider after receiving gaming services from ludu.
• Using the Platform to facilitate betting or gaming on behalf of third parties, or acting as an agent or intermediary for other individuals.

2.3 Account Suspension and Termination

ludu reserves the right, at its sole discretion, to suspend, freeze, or permanently terminate your account at any time if we have reasonable grounds to believe that you have violated these Terms and Conditions, engaged in fraudulent activity, or pose a risk to the integrity, security, or operation of the Platform. Upon termination, any remaining account balance, pending bets, and bonus funds may be forfeited, and you will not be entitled to any refund or compensation. We will make reasonable efforts to notify you of the reason for termination, but are not obligated to provide detailed explanations or disclose our investigation methods.

3. Deposits and Payments

3.1 Accepted Payment Methods

ludu accepts deposits in Bangladeshi Taka (BDT) through the following payment methods: bKash, Nagad, Rocket, Upay, Dutch-Bangla Bank, City Bank, BRAC Bank, Islami Bank, Sonali Bank, Visa, and Mastercard. All transactions must originate from a payment account registered in your own legal name. Third-party payments are not permitted. We reserve the right to add, remove, or modify accepted payment methods at any time without prior notice.

3.2 Deposit Limits and Processing

The minimum deposit amount is ৳500 per transaction. The maximum deposit amount varies by payment method and account status, with standard accounts limited to ৳100,000 per transaction and ৳500,000 per day. Verified accounts may be eligible for higher limits. Deposits are typically processed instantly, though in some cases processing may take up to 15 minutes depending on your payment provider. If a deposit fails or is delayed beyond 30 minutes, contact ludu customer support with your transaction reference number for assistance.

3.3 Deposits Are Non-Refundable

All deposits made to your ludu account are final and non-refundable once credited to your account balance. You may use your deposited funds to place bets or play games, or you may request a withdrawal (subject to the withdrawal terms outlined in Section 4). Under no circumstances will ludu issue a refund for deposits that have been successfully credited to your account, except in cases of technical error or duplicate transaction processing clearly attributable to a malfunction on the Platform.

3.4 Deposit Fees

ludu does not charge fees for deposits. However, your payment provider (bank, mobile wallet operator, or card issuer) may impose transaction fees or service charges. These third-party fees are not controlled by lu du and are your sole responsibility. You should review your payment provider's fee schedule before initiating a deposit.

4. Withdrawals

4.1 Withdrawal Eligibility

You may request a withdrawal of your available account balance at any time, provided that your account is in good standing, you have completed all required identity verification procedures, and you have met any applicable wagering requirements associated with bonuses or promotions. Withdrawals must be made to a payment account registered in your own legal name matching the name on your ludu account. Third-party withdrawals are strictly prohibited and will result in the cancellation of your withdrawal request and possible account suspension.

4.2 Withdrawal Limits and Processing Times

The minimum withdrawal amount is ৳1,000 per transaction. The maximum withdrawal amount is ৳200,000 per transaction and ৳1,000,000 per week for standard accounts. Verified accounts with established gaming history may be eligible for higher withdrawal limits. Withdrawal requests are typically processed within 6-24 hours during business days (Saturday through Thursday). Withdrawals requested on Fridays or during public holidays in Bangladesh may experience delays. Once processed by ludu, the funds will be transferred to your designated payment method, with arrival times varying by provider: bKash, Nagad, Rocket, and Upay typically receive funds within 1-2 hours; bank transfers may take 1-3 business days.

4.3 Verification Requirements for Withdrawals

ludu reserves the right to request additional identity verification documentation before processing any withdrawal request. This is a standard security measure to prevent fraud and money laundering. Common verification requirements include a clear photo of your national identity card, a selfie holding your ID document, proof of address (utility bill or bank statement dated within the last 3 months), and proof of ownership of the payment method used for deposits. Withdrawals will be held pending receipt and approval of all requested documentation. We aim to review verification documents within 48 hours of submission.

4.4 Withdrawal Fees

ludu does not charge fees for the first three withdrawals per month. Additional withdrawals beyond three per calendar month are subject to a ৳200 processing fee per transaction. Your payment provider may also charge receiving fees, which are beyond ludu's control and are your responsibility.

5. Bonuses and Promotions

5.1 Bonus Terms

ludu offers various bonuses and promotional offers to eligible players, including welcome bonuses, deposit match bonuses, free bets, and loyalty rewards. All bonuses are subject to specific terms and conditions detailed in the respective promotion's terms page. Unless otherwise stated, bonuses are subject to wagering requirements, which specify the number of times you must wager the bonus amount before any winnings can be withdrawn. Typical wagering requirements range from 10x to 40x the bonus amount, depending on the promotion. You must read and understand the specific terms applicable to each bonus before claiming it.

5.2 Bonus Abuse

ludu reserves the right to void bonuses, cancel winnings, and close accounts in cases of bonus abuse. Bonus abuse includes, but is not limited to: opening multiple accounts to claim multiple bonuses, coordinating with other players to manipulate bonus outcomes, using betting patterns designed solely to meet wagering requirements with minimal risk (such as betting on opposite outcomes in the same event), or any other activity deemed to be exploitation of promotional offers. Bonus funds are intended for recreational play and must be used in good faith.

5.3 Withdrawal of Bonus-Related Winnings

Winnings generated from bonus funds cannot be withdrawn until all wagering requirements have been fully met. If you request a withdrawal before completing wagering requirements, any remaining bonus balance and associated winnings will be forfeited, and only your original deposited funds (if any remain) will be available for withdrawal. Once wagering requirements are satisfied, bonus winnings are converted to withdrawable cash and can be processed according to the standard withdrawal terms.

6. Gaming Rules and Fair Play

6.1 Game Outcomes

All games on the ludu Platform use certified Random Number Generator (RNG) technology or live dealer systems operated by licensed third-party providers. Game outcomes are determined by chance and cannot be influenced or predicted by ludu, the player, or any third party. ludu does not guarantee wins or specific return-to-player (RTP) percentages for individual sessions, though all games display theoretical RTP values based on long-term statistical models.

6.2 Technical Errors and Malfunctions

In the event of a technical malfunction, software error, incorrect game configuration, or communication failure that affects game outcomes or transaction processing, ludu reserves the right to void affected bets, cancel winnings, and restore accounts to their state prior to the malfunction. If you notice any error or irregularity in game results or account transactions, you must immediately cease play and report the issue to ludu customer support. Continued exploitation of a known error or malfunction constitutes fraud and will result in account termination and forfeiture of all funds.

6.3 Betting Rules

All bets placed on the ludu Platform are final once confirmed. You are responsible for ensuring that your bet selections, stake amounts, and bet types are correct before confirming any wager. ludu will not cancel or modify bets after they have been accepted, except in cases of obvious error (such as incorrect odds display due to system malfunction). Sports betting outcomes are determined based on official results recognized by the relevant sports governing body. In cases of abandoned, postponed, or cancelled events, specific rules apply and are detailed in the sports betting terms section of our help center.

7. Intellectual Property

7.1 Ownership

All content, software, graphics, logos, trademarks, trade names, and other intellectual property displayed on or used in connection with the ludu Platform are the exclusive property of ludu or our licensed third-party providers. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal entertainment purposes in accordance with these Terms and Conditions. You may not copy, reproduce, distribute, modify, reverse engineer, or create derivative works based on any aspect of the Platform without our prior written consent.

7.2 User-Generated Content

If you submit any content to the Platform (such as chat messages, feedback, or reviews), you grant ludu a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, and display such content for any purpose related to the operation and promotion of the Platform. You represent and warrant that any content you submit does not infringe upon the intellectual property rights or privacy rights of any third party.

8. Limitation of Liability

8.1 Service Availability

While ludu strives to provide uninterrupted access to the Platform, we do not guarantee that the Platform will be available at all times or that it will be error-free. The Platform may be temporarily unavailable due to maintenance, upgrades, technical issues, or circumstances beyond our control. ludu will not be liable for any loss or damage resulting from service interruptions, downtime, or technical failures.

8.2 Financial Risk

You acknowledge that gambling involves financial risk and that you may lose money. ludu is a platform for entertainment and should not be viewed as a means of generating income. You are solely responsible for managing your gaming budget and should never wager more than you can afford to lose. ludu is not liable for any financial losses incurred through your use of the Platform.

8.3 Third-Party Services

The Platform integrates with third-party payment processors, game providers, and other service providers. ludu is not responsible for the performance, availability, or policies of these third-party services. Any disputes or issues arising from your interaction with third-party providers must be resolved directly with those providers.

9. Privacy and Data Protection

Your privacy is important to us. ludu collects, processes, and stores your personal information in accordance with our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using the Platform, you consent to our collection and use of your data as described in the Privacy Policy. We implement industry-standard security measures to protect your personal and financial information, including SSL encryption, secure payment processing, and restricted access to sensitive data. However, no online platform can guarantee absolute security, and you acknowledge that you provide information to ludu at your own risk.

10. Responsible Gaming

ludu is committed to promoting responsible gaming practices. We provide tools to help you manage your gaming activity, including deposit limits, session time limits, self-exclusion options, and reality check reminders. If you feel that your gambling is becoming problematic or causing financial, personal, or family difficulties, we encourage you to use these tools or contact our support team to request account restrictions. You may also seek assistance from professional organizations specializing in problem gambling support. ludu reserves the right to implement mandatory cooling-off periods or permanent account closures for players exhibiting signs of problem gambling behavior.

11. Amendments to Terms

ludu reserves the right to modify, amend, or update these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting to the Platform. It is your responsibility to review these Terms and Conditions periodically to stay informed of any updates. Continued use of the Platform following the posting of changes constitutes your acceptance of the revised Terms and Conditions. If you do not agree to any changes, you must immediately cease using the Platform and close your account.

12. Dispute Resolution and Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Bangladesh. Any disputes arising out of or relating to your use of the ludu Platform or these Terms and Conditions shall be resolved through good-faith negotiation between you and ludu. If a dispute cannot be resolved through negotiation within 30 days, both parties agree to submit the matter to binding arbitration in Dhaka, Bangladesh, in accordance with the Arbitration Act of Bangladesh. You agree to waive any right to a jury trial or to participate in a class action lawsuit.

13. Contact Information

If you have any questions, concerns, or complaints regarding these Terms and Conditions or your use of the ludu Platform, please contact our customer support team at [email protected]. We aim to respond to all inquiries within 24 hours during business days.