Reference

Terms & Conditions That Govern Your sm20 Account

These Terms & Conditions set out the rules under which your sm20 account operates — from how deposits clear via UPI, Paytm or PhonePe to how withdrawals are…

Account EligibilityDeposit & Withdrawal RulesUPI, Paytm, PhonePe AcceptedIndia Access Subject to Local LawAccount Security Obligations
Explore Lobby Read FAQ
sm20 Terms & Conditions That Govern Your sm20 Account
TERMS CONTACT PATHS

How to Reach Us About These Terms

Live Chat Support Our live chat team is available around the clock to answer questions about specific clauses in these Terms & Conditions, account eligibility or withdrawal verification steps. Start a chat from any page.
Email Disputes For formal queries or disputes relating to these Terms & Conditions, write to our support address listed on sm20.net. We aim to acknowledge every email within 24 hours and resolve within five business days.
Help Centre Articles Our Help Centre at sm20.net contains plain-language explanations of key clauses — including how account closure is handled, how we process UPI refunds and what verification documents we may request.
HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

Understanding how sm20 handles your account data, cookies and personal information is part of accepting these Terms & Conditions. Below are the six areas that matter most to account holders in India.

Data We Collect

When you open an account, we collect your name, email address, phone number and payment details linked to UPI, Paytm or PhonePe. This data is used solely to operate your account and verify transactions in line with these Terms & Conditions.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how you navigate sm20.net. You can disable non-essential cookies in your browser settings at any time without affecting core account functions.

Account Security

You are responsible for keeping your login credentials confidential under these Terms & Conditions. If you suspect unauthorised access, contact our live chat immediately so we can freeze account activity and begin a security review.

Data Retention

We retain account data for as long as your account remains active and for a period afterward as required by applicable law. You may request deletion of non-mandatory data by contacting support, subject to legal retention obligations.

Requesting Changes

To update personal details — such as a registered mobile number for PhonePe or a linked Paytm account — submit a request through live chat or email. Verification of identity will be required before any sensitive change is processed.

Dispute Resolution

Any dispute arising from these Terms & Conditions should first be raised with our support team. If unresolved, the matter will be handled under the jurisdiction stated in our full legal policy document available on sm20.net.

Common Questions About sm20 Terms & Conditions

These answers address the questions account holders in India ask most often about their rights, obligations and the rules that govern the sm20 platform. If your question is not covered here, our live chat team can clarify any clause directly.

Yes. Acceptance of these Terms & Conditions is mandatory before your sm20 account can be activated. By completing account registration you confirm you have read, understood and agreed to every clause contained in the current version of these terms.

We may update these Terms & Conditions at any time. When changes are material, we will send a notification to the email registered on your account. Continuing to use sm20.net after the effective date of any change means you accept the revised terms.

Access to sm20 depends entirely on whether online wagering is permitted under the laws applicable to your specific location in India. If local law restricts such activity, these Terms & Conditions do not override that restriction and you should not attempt to access the platform.

Deposits made through UPI, Paytm or PhonePe are governed by the wallet and transaction clauses within these Terms & Conditions. We are not responsible for delays caused by your bank or payment provider once a transaction has been successfully submitted from our end.

You may request a copy of the personal data we hold for your account by contacting our support team via email or live chat. We will process verified data requests within 30 days in line with our data retention obligations described in these Terms & Conditions.

These Terms & Conditions allow us to suspend or permanently close an account if we identify a breach of the agreement — including fraudulent activity, provision of false registration details or unauthorised access. We will notify you by email unless notification is prevented by an ongoing investigation.

The current version of our Terms & Conditions is always published at sm20.net/terms-conditions/. We recommend bookmarking this page so you can check for any updates before making significant account decisions such as large withdrawals or account closure requests.

Related Pages

Safari Wild Sic Bo About Us sm20 Login