KYC Policy

1 Why KYC is Required

PlayXcrew operates as a skill-based online gaming platform subject to Indian law. KYC verification is mandated for the following reasons:

• MeitY Online Gaming Rules, 2023: Under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Amendment Rules, 2023, online gaming intermediaries are required to verify the identity of users engaging in real-money gaming activities.
• Income Tax Act, 1961 — TDS Compliance: Section 194BA requires deduction of Tax at Source (TDS) at 30% on net winnings from online games. PAN verification is mandatory to correctly identify users for TDS filing and Form 26AS credit.
• Prevention of Fraud & Money Laundering: KYC helps prevent fraudulent accounts, identity theft, and misuse of the platform for illegal financial activity. It ensures funds are deposited and withdrawn only by verified account holders.
• RBI Payment Guidelines: Reserve Bank of India guidelines on payment aggregators and digital wallets require identity verification for transactions beyond prescribed limits.
• Age Verification: PlayXcrew is restricted to users aged 18 years and above. KYC confirms age eligibility before users can participate in real-money tournaments.

2 When KYC is Required

KYC completion is mandatory in the following situations:

• Withdrawals exceeding ₹10,000 (cumulative): Any withdrawal request — including partial withdrawals — that cumulatively exceeds ₹10,000 requires a completed KYC before processing.
• Prize winnings above ₹10,000: If your total prize winnings from any single tournament or cumulative winnings cross ₹10,000, KYC verification is required before the prize amount is credited to your wallet or bank.
• PAN verification for TDS deduction: TDS is applicable on net winnings above ₹100 per game (or as per applicable tax thresholds). PAN Card submission is mandatory for us to correctly deduct TDS and report to the Income Tax Department.
• Account flagged for security review: PlayXcrew may request KYC at any time if your account shows suspicious activity, multiple logins, or other security flags.

3 Documents Required

Please keep the following documents ready. All documents must be valid, clearly legible, and not expired.

4 KYC Submission Process

Follow these steps to complete your KYC on PlayXcrew:

5 Verification Timeline

Once your KYC documents are submitted, the following timelines apply:

• Standard Verification: 48–72 business hours from the time of submission during normal working days (Monday to Friday, excluding public holidays).
• Extended Review: Verification may take longer in cases where documents require additional scrutiny, third-party database validation (UIDAI for Aadhaar, NSDL/UTI for PAN), or when submitted during high-volume periods.
• Status Updates: You will be notified by email and in-app notification when your KYC status changes to Verified, Pending, or Rejected.
• Expedited Processing: Urgent KYC requests related to withdrawal processing will be prioritised where possible. Contact support@playxcrew.com for assistance.

6 KYC Rejection & Resubmission

Your KYC submission may be rejected for the following reasons. In each case, you will be notified with the specific reason and instructions for resubmission:

• Blurry or illegible documents: The uploaded image is not sharp enough for verification. Resubmit with a higher-quality photograph ensuring all text, photo, and document number are clearly readable.
• Name mismatch: The name on the submitted document does not match the name registered on your PlayXcrew account. Ensure you submit documents in your legal name as per government records.
• Expired documents: Driving Licences and Passports must be currently valid. Aadhaar and PAN do not expire, but the document must show a legible date of birth.
• Incomplete documents: Only one side of a two-sided document was submitted, or required fields were missing in the image.
• Unsupported document type: A document not listed as acceptable was submitted. Only Aadhaar, PAN, Voter ID, Passport, Driving Licence, and Utility Bills (for address) are accepted.
• Suspected tampered document: Documents showing signs of editing, alteration, or digital manipulation will be rejected and may result in account suspension.

7 Data Security

PlayXcrew takes the security of your KYC documents with the utmost seriousness. The following safeguards are in place:

• Encryption at Rest: All uploaded KYC documents are stored with AES-256 encryption on secure, access-controlled cloud infrastructure.
• Encryption in Transit: Documents are transmitted over HTTPS/TLS-encrypted connections. They are never sent via unencrypted channels.
• Access Control: KYC documents are accessible only to authorised PlayXcrew compliance personnel and our KYC verification service provider on a need-to-know basis.
• No Third-Party Sharing for Marketing: Your KYC documents and personal data are never sold, rented, or shared with third parties for advertising, marketing, or commercial purposes.
• Legal Disclosure Only: Documents may be shared with law enforcement agencies, the Income Tax Department, MeitY, or other regulatory authorities only when legally mandated by a valid court order, government directive, or statutory requirement.
• Retention Policy: KYC records are retained for the period required by applicable law (typically 5 years post-account closure) and securely deleted thereafter.

8 Aadhaar Privacy & UIDAI Compliance

PlayXcrew handles Aadhaar-related data in strict compliance with the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 and UIDAI regulations:

• No Central Aadhaar Storage: PlayXcrew does not store the complete 12-digit Aadhaar number in its databases. Only the last 4 digits are retained for display and reference purposes post-verification.
• Document-Based Verification: Aadhaar is accepted as an identity and address document. PlayXcrew does not use Aadhaar-based biometric authentication or UIDAI API authentication.
• Masking of Aadhaar: After successful KYC verification, your Aadhaar number is displayed in masked form (e.g., XXXX XXXX 1234) within the app. Full Aadhaar number is not accessible to users or support staff.
• Voluntary Use: Aadhaar is the preferred identity document for its convenience and reliability, but it is not the only accepted document. Users may alternatively submit Voter ID, Passport, or Driving Licence.
• UIDAI Circular Compliance: PlayXcrew does not collect, store, or share Aadhaar data in any manner that contravenes UIDAI circulars regarding the use of Aadhaar by private entities.

9 Restricted States — Important Note

PlayXcrew complies with state-level legislation governing online gaming. Even if a user successfully completes KYC verification, they cannot participate in real-money tournaments if they are a resident of or accessing the platform from the following states/Union Territories:

This restriction is based on the Andhra Pradesh Gaming Act, 1974, the Telangana Gaming Act, 1974, and analogous state legislation in the other listed states which prohibit or restrict games of skill involving monetary stakes. PlayXcrew continuously monitors changes in applicable state laws and will update this list accordingly.

10 Contact for KYC Issues

If you face any difficulty with your KYC submission, verification, or have questions about this policy, you may reach us through the following channels:

When contacting support for KYC issues, please include your registered email address and Player ID for faster resolution. Our team will respond within 2 business days.

For grievances related to data handling, privacy, or KYC disputes, please write to the Grievance Officer at grievance@playxcrew.com. Grievances will be acknowledged within 24 hours and resolved within 15 days as per MeitY guidelines.