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Terms of Use

These Terms of Use ("Terms") govern your access to and use of Indian Dream (the "Game", "Service"), a browser-based financial life simulation game. By creating an account or playing Indian Dream, you agree to these Terms.

1. What Indian Dream Is

Indian Dream is a turn-based life simulation game where players make financial and life decisions — career, investments, family, festivals, insurance, and more — across a simulated life from age 21 to 60. It is built for financial literacy and entertainment. It runs entirely in your browser as a Progressive Web App (PWA); no app-store download is required.

2. No Gambling, Betting, or Real-Money Wagering

You may not use Indian Dream to gamble, bet, or wager real money, and it is not built to allow that. There is no way to deposit money for a chance to win money back, and nothing you earn in the game — spin outcomes, rewards, or Energy Coins — can ever be withdrawn, cashed out, or converted to real money, under any circumstance. When you buy Energy Coins, you're making a straightforward, fixed-price purchase of a virtual in-game item (see Section 5) — not placing a bet or stake on an uncertain outcome.

Because nothing in the game can ever convert to real money, no reward, coin, or outcome you earn while playing counts as "winnings," and no tax is deducted at source (TDS) on anything you earn in-game. If that ever changes, we'll update this page and follow whatever tax law applies at the time.

3. Eligibility

You must be at least 13 years old to create an account. If you are under 18, you may only make a purchase with the involvement and consent of a parent or legal guardian who controls the payment method used. By making a purchase, you confirm that you are legally able to enter into this agreement, or that a parent/guardian has authorized it on your behalf.

4. Your Account

You are responsible for keeping your login credentials confidential and for all activity that happens under your account. Tell us immediately if you believe your account has been accessed without your permission.

5. Energy Coins ("EC")

Energy Coins are a virtual, in-game consumable used only within Indian Dream. Specifically:

• Energy Coins have no cash value and are not a currency, security, or financial instrument of any kind.
• Energy Coins cannot be withdrawn, cashed out, or exchanged for real money under any circumstance.
• Energy Coins cannot be redeemed for physical goods or services.
• Certain in-game features may allow Energy Coins to be gifted from one player to another within the game, subject to in-game eligibility rules and limits that may change at any time. This is a gameplay feature, not a way to move money between people — a gifted Energy Coin remains a non-cash, non-withdrawable in-game item in the receiving player's account, usable only within Indian Dream, and is subject to fraud-prevention limits.
• We may change how Energy Coins are earned, priced, or used at any time, and may retire or replace them, though we will not retroactively strip Energy Coins you have already been credited without reason (such as a refund, chargeback, or a violation of these Terms).

6. Referral Program

You can invite others to Indian Dream using your personal referral link or code. If someone you invite makes a qualifying purchase, you'll receive a one-time reward credited to your account as Energy Coins.

• Referral rewards apply only to people you personally invite — not to anyone they go on to invite, and not to any referral made by anyone else downstream of you.
• There's no fee, joining cost, or purchase required to use the referral program, and no requirement to recruit anyone in order to play Indian Dream.
• Referral rewards are single-level only — no tiers, no network or matrix structure, and no reward is ever based on the size of a team or group.
• Referral rewards are Energy Coins and follow the same rules as any other Energy Coins (Section 5) — no cash value, no cash-out.
• We may change, limit, or discontinue the referral program, or adjust reward amounts, at any time.

7. Purchases & Payment

Energy Coin purchases are processed through a third-party payment gateway. We do not see or store your full card number, CVV, UPI PIN, or other sensitive payment credentials — those are handled directly by our payment processor. Prices are shown in Indian Rupees (₹) before you confirm a purchase. See our Refund & Cancellation Policy for how refunds work.

8. Multiplayer, Chat & User Content

Indian Dream includes optional social features — private rooms, chat, reactions, and voice messages shared with people you invite. You're responsible for what you send. Don't use these features to harass, threaten, impersonate, or share illegal, abusive, or infringing content. We may remove content or restrict access to these features if they're misused.

9. Acceptable Use

You may not:

• Use bots, scripts, or automation to interact with the Service in ways a human player normally couldn't, including to farm rewards, bonuses, or Energy Coins;
• Reverse-engineer, exploit, or interfere with how the Service normally works, or access any account or system without authorization;
• Use the Service for any unlawful purpose, or misrepresent what the Service is to others.

Accounts that don't follow this may be suspended or restricted, with any rewards, coins, or benefits gained that way reversed.

10. No Financial Advice

Indian Dream is an educational and entertainment simulation. Nothing in the game — including Munimji's messages, in-game investment outcomes, or any other content — constitutes real-world financial, investment, tax, or legal advice. Real financial markets and instruments do not behave exactly as simulated in the game. Make your real-life financial decisions with a qualified professional, not based on this game.

11. Intellectual Property

All game content, design, characters (including Munimji), text, and code are the property of Indian Dream's operator unless otherwise noted. You may not copy, redistribute, or create derivative works from the Service without permission.

12. Termination

You may stop using the Service and delete your account at any time from within the game. We may suspend or terminate accounts that violate these Terms.

13. Disclaimers & Limitation of Liability

The Service is provided "as is," without warranties of any kind, to the fullest extent permitted by law. We are not liable for indirect, incidental, or consequential damages arising from your use of the Service, to the fullest extent permitted by applicable law.

14. Changes to These Terms

We may update these Terms as the Service evolves. We'll update the "Last updated" date above when we do. Continuing to use Indian Dream after a change means you accept the updated Terms.

15. Governing Law

These Terms are governed by the laws of India.

16. Contact Us