Terms and Conditions

1. Acceptance of Terms

By accessing, registering on, or using the PlayFi Global platform (formerly PlayFi Global Casino; hereinafter referred to as "the Platform," "PlayFi," or "we/us/our"), accessible at myplayfi.io, you ("the User," "you," "your") acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"), our Privacy Policy, and all applicable laws and regulations.

If you do not agree to these Terms, you must immediately cease using the Platform and all its services.

We reserve the right to modify these Terms at any time. Continued use of the Platform after any changes constitutes acceptance of those changes. Users will be notified of material changes via email or platform notification.

2. Eligibility and Registration

2.1. To use the Platform, you must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater).

2.2. By registering, you represent and warrant that:

• All information provided during registration is accurate, current, and complete.
• You are legally permitted to use cryptocurrency and participate in digital investment platforms in your jurisdiction.
• You are not a resident or citizen of any jurisdiction where crypto-based investments or online gaming are prohibited.
• You are not acting on behalf of a sanctioned individual, entity, or government.
• You will maintain the confidentiality of your account credentials.

2.3. Each user may maintain only one (1) account. Multiple accounts per individual are prohibited and may result in account suspension or quarantine and forfeiture of balances.

2.4. Email verification. Users must verify their email address before depositing, withdrawing or playing. Users who mistyped their email address at registration may correct it and re-trigger verification from the verification screen using their account password. If verification cannot be completed, support may be contacted at support@myplayfi.io.

2.5. PlayFi reserves the right to refuse registration or terminate accounts at its sole discretion.

3. Platform Services

PlayFi Global provides the following integrated services:

3.1. Smart Contract Investment System (UPO v2): Users may create investment contracts by depositing USDT (Tether) on the Polygon blockchain network. Each contract is split on creation into 70% Vault (the portion that generates ROI), 20% License Fee (covers referral commissions, matrix commissions, owners and operations) and 10% Lottery Pool. Each contract pays a fixed 1% daily ROI on the Vault portion until the user has recovered an amount equal to the Vault (i.e. 70% of the original investment). At that point the contract enters the UPO phase (Universal Profit Organization), where the contract receives a share of the casino's real revenue proportional to its remaining capital, with no tiers or qualification gates, until the total return reaches the 300% cap.

3.2. Casino Gaming: The Platform offers a catalogue of in-house PlayFi-branded games, currently including PlayFi Velvet Baccarat, PlayFi Royal 21 (Blackjack), PlayFi Roulette Royale, PlayFi Diamond Stud (Caribbean Stud Poker), PlayFi Vegas Luxe Slots, PlayFi Sky Heist (crash game) and PlayFi Vegas Shakers (craps). The catalogue may expand or contract over time as new titles are released or existing titles are placed into maintenance. All games operate at a fixed global Return To Player (RTP) of 90%, and a portion of the house edge contributes to the investor UPO pool. Game logic is 100% server-validated: bets, draws, hand evaluation and payouts are computed and verified on PlayFi's servers using a cryptographically secure random number generator. Once per day, a single game is randomly designated as the Lucky Game of the Day and may receive a temporary RTP boost (up to 97%) for that 24-hour window.

3.3. Weekly Lottery: A weekly automated lottery draw takes place every Saturday at 7:00 PM EST. Tickets are earned proportionally with each new investment contract (one ticket per $10 invested, plus tier bonuses up to 2,000 tickets at $10,000), may be granted with BTC Bet packs, or may be purchased separately. All tickets are single-use and are burned (permanently invalidated) after each weekly draw. The lottery prize pool is funded exclusively by 10% of all deposits and is segregated from investment returns and operational funds.

3.4. Referral and Network Commission System: Users may earn commissions from their referral network up to 20 levels deep. Commission rates and qualification levels are based on personal investment amounts. The Platform additionally operates a 3×20 matrix structure for additional network commissions (0.1% per matrix level).

3.5. Rank System: Users may achieve rank promotions across ten (10) ranks — from Bronze Player to Ultimate Jackpot — based on their network's cumulative matrix investment activity. Each rank unlocks a bonus that is automatically converted into a new investment contract on the user's behalf when reached.

3.6. BTC Bet: A weekly Bitcoin price-prediction product. Users buy a pack of predictions (currently 1, 5 or 10 bets, with volume discounts), submit one BTC closing-price guess per bet for the current weekly round, and the closest predictions split a tiered prize pool when the round closes. The winning price is taken from the official BTC weekly close (Sunday 23:59 UTC) as reported by the data feed configured by the Platform. Bets that are not played within thirty (30) days from purchase expire and become void. Every pack purchased also grants free weekly-lottery tickets on the user's account.

3.7. Corporate Accounts: Where enabled at the Platform's discretion, qualified business entities may operate Corporate sub-accounts under a single parent contract. Corporate accounts follow the same Terms as individual accounts, with additional KYC and per-account caps determined at onboarding.

4. Deposits and Wallet System

4.1. All deposits are accepted exclusively in USDT (Tether) on the Polygon (MATIC) blockchain network.

4.2. The minimum deposit amount is $10 USDT (or as configured by the Platform).

4.3. Deposits are processed through the PlayFi Vault smart contract deployed on the Polygon mainnet (contract address: 0xfA32f293b360DD5f888F1EdeA207dCf85dB58021), which is verified and publicly auditable on PolygonScan.

4.4. The Platform maintains four (4) wallet types per user:

• Funding Wallet: Receives deposits and is used to create investment contracts. Funding balance is never automatically reinvested without an explicit user action.
• Earnings Wallet: Receives ROI, UPO distributions, and lottery winnings. Withdrawable.
• Commissions Wallet: Receives referral and matrix commissions.
• Gaming Wallet: Used exclusively for casino game participation.

4.5. Investment distribution (UPO v2). When a deposit is converted into an investment contract, the gross amount is split as follows: 70% to the user's personal Vault (the engine that generates the fixed 1% daily ROI for that contract), 20% to the License Fee (which funds Referral Commissions across up to 20 levels, Matrix Commissions, the Owners Wallet and Business Operational Costs combined) and 10% to the Weekly Lottery Fund. These percentages are configurable, are stored in the public deposit_distribution table, and may be adjusted by the Platform with prior notice to users.

4.6. Internal transfers. Users may transfer funds between their own wallets (Funding, Earnings, and Gaming) subject to availability and any applicable rate-limits or daily caps.

4.7. Peer-to-Peer transfers. Where the P2P feature is enabled, users may send funds between PlayFi accounts subject to platform limits, anti-fraud checks and applicable rate-limits.

4.8. Daily withdrawal cap. The Platform applies a global daily withdrawal cap and per-user limits to protect liquidity and detect abuse. Withdrawal requests above the cap may be queued or require additional review.

5. Investment Contracts, ROI and UPO (UPO v2 economic model)

5.1. Maximum return. Each investment contract has a maximum total return of 300% of the original investment amount. Once the contract reaches 300% it is automatically closed and pays no further ROI or UPO.

5.2. Phase 1 — Fixed Vault ROI. Every contract pays a fixed 1% daily ROI on its Vault portion. The Vault is set at contract creation to 70% of the invested amount. ROI is paid daily, with no tiers, no referral gates and no qualification requirements: a $100 contract has a $70 Vault that earns $0.70 every day; a $1,000 contract has a $700 Vault that earns $7 every day. Phase 1 ends when the cumulative ROI paid by the contract equals its Vault amount (i.e. the user has recovered 70% of the original investment through daily ROI alone — approximately 100 days at the fixed rate).

5.3. Phase 2 — UPO (proportional, no tiers). When Phase 1 ends, the contract automatically enters the UPO (Universal Profit Organization) phase. From that point on it stops earning the fixed ROI and instead receives a daily share of the UPO pool, which is funded by 50% of the casino's net house edge (10% of all bets played at the platform-wide 90% RTP — the other 50% replenishes the ROI / liquidity pool). The UPO share for each contract is calculated as:

your_daily_upo = (your_remaining_capital / total_active_upo_capital) × daily_upo_pool

UPO is fully proportional: there are no rank gates, no investment tiers and no qualifying conditions. A $1,000 contract receives exactly ten times the share of a $100 contract. Phase 2 continues until the contract reaches its 300% lifetime cap.

5.4. Daily payout schedule. Both ROI and UPO are credited to the Earnings wallet by a daily cron run. ROI is sourced from the ROI / liquidity pool (funded by deposits and by 50% of the casino's house edge). UPO is sourced from the UPO pool (funded by the remaining 50% of the casino's house edge). If a pool is temporarily under-funded for a given day, that day's payout for the affected phase may be reduced pro-rata across all active contracts; pending amounts are tracked and topped up automatically as the pool refills.

5.5. Smart-contract collateral. Investment contracts are secured by the PlayFi Vault smart contract on the Polygon blockchain, which holds USDT and is backed by PLFI token collateral. Each investment is registered on-chain via the registerInvestment() function, providing full transparency and verifiability on PolygonScan.

5.6. Legacy contracts. Investment contracts opened before the UPO v2 activation date (2026-05-22) continue to operate under their original parameters until they reach the 300% cap. The UPO v2 fixed 1% daily and 70% recovery threshold applies only to contracts created on or after that date.

5.7. No guarantee. The 1% daily ROI, the 70% recovery threshold and the 300% cap are system design parameters of the Platform's revenue model, not financial guarantees. Actual delivery depends on platform activity, casino revenue, the size and behaviour of the active contract base and the availability of funds in the ROI and UPO pools. Past performance does not guarantee future results.

6. Withdrawals

6.1. Withdrawals are available from the Earnings wallet only.

6.2. The minimum withdrawal amount is $10 USDT (or as configured by the Platform).

6.3. Withdrawals are processed in USDT on the Polygon network to the user's verified wallet address.

6.4. Approval flow. Most withdrawals are processed automatically. Certain withdrawals — including (without limitation) first withdrawals to a newly registered wallet address, withdrawals exceeding configured thresholds, or withdrawals triggered while anti-fraud signals are active — may be placed in manual review status and require administrative approval before being broadcast to the blockchain.

6.5. Daily cap. The Platform applies a global daily cap on total withdrawals system-wide and per-user limits to preserve liquidity. Requests above the cap may be queued and processed on subsequent days.

6.6. Withdrawal processing times may vary. While the system aims for prompt processing, the Platform does not guarantee instant withdrawals in all circumstances.

6.7. The Platform reserves the right to delay or refuse withdrawals if suspicious activity, fraud, or Terms violations are detected.

6.8. Network transaction fees (gas fees) on the Polygon network are borne by the Platform unless otherwise stated.

7. Lottery System

7.1. The weekly lottery is automated and executed every Saturday at 7:00 PM EST.

7.2. For every $1,000 accumulated in the lottery pool, one (1) winner is selected to receive a prize of $100 (or as configured).

7.3. Winners are selected randomly from the active ticket pool. Each user can win only once per draw.

7.4. Ticket sources. Lottery tickets may be obtained through (i) the creation of an investment contract (one ticket per $10 invested, plus additional tier bonuses up to 2,000 tickets at the $10,000 tier), (ii) the purchase of a BTC Bet pack (which includes a configurable number of free tickets per pack), or (iii) a direct purchase at the price published in the user dashboard.

7.5. IMPORTANT: ALL lottery tickets — whether earned, bundled with a BTC Bet pack, or purchased — are single-use. They are permanently burned (invalidated) after each Saturday draw. Tickets are not reusable, transferable, or refundable. Users must obtain new tickets each week to participate in subsequent draws.

7.6. Revenue from direct ticket purchases is distributed to owner operations, referral commissions, and the ROI/liquidity pool. It is not added to the lottery prize pool, which is funded exclusively from the 10% deposit allocation defined in Section 4.5.

7.7. If the lottery pool does not meet the configured minimum threshold (currently $100), the draw is postponed and the pool rolls over to the next eligible week.

8. Commission, Referral Program and Auto-Reinvestment

8.1. Users may earn referral commissions from new investment contracts created by users in their network, up to 20 levels deep. Under the UPO v2 model, all 20 levels are unlocked from day one: there are no investment-tier gates to unlock deeper levels.

8.2. Commission percentages per level are published in the dashboard and may be adjusted by the Platform with notice to users.

8.3. Auto-reinvestment. Each account has an auto-reinvest setting which is enabled by default and may be toggled off at any time from the user dashboard. When enabled, and only when enabled, the system will combine the available Commissions and Earnings balances (ROI, UPO, lottery winnings, casino winnings) and, once the combined total reaches the configurable threshold (currently $10 USDT by default), automatically convert that combined amount into a new investment contract. Auto-reinvestment never touches the Funding wallet (deposits): freshly deposited funds always remain available for the user to play, transfer, withdraw or manually invest, and will only be reinvested upon an explicit manual action by the user. Disabling auto-reinvest allows the user to accumulate balance freely and withdraw it through the standard withdrawal flow.

8.4. Matrix commissions (0.1% per level) are earned from the user's position in the 3×20 matrix structure, based on the matrix upline chain.

8.5. Contracts generated by auto-reinvestment also distribute the standard owners-wallet share and credit lottery tickets identically to a manually-funded contract, ensuring full economic consistency.

8.6. Commission rates, the auto-reinvest threshold, and the overall commission structure may be modified by the Platform at any time, with notification to users.

9. Casino Gaming

9.1. Casino games are played using the Gaming wallet balance only.

9.2. Return To Player (RTP). All PlayFi in-house games operate at a fixed global RTP of 90%, which corresponds to a 10% theoretical house edge over the long run. RTP is statistical and is observed across many rounds; individual sessions may pay above or below the long-run average.

9.3. Lucky Game of the Day. Once every 24 hours the Platform randomly selects a single eligible game as the "Lucky Game of the Day". For the duration of that window, the selected game's RTP may be temporarily boosted up to a maximum of 97%. The selection is performed automatically and cannot be requested or influenced by users.

9.4. House edge allocation. The 10% theoretical house edge (the inverse of the 90% RTP) of every casino round is split 50% to the UPO investor pool (which funds Phase 2 of every active contract) and 50% to the ROI / liquidity pool (which tops up the source of the fixed 1% daily ROI of Phase 1). The exact per-round share is computed by the casino settlement engine and published in the admin configuration. This direct revenue-sharing is the core mechanism that ties investor returns to actual platform activity rather than to new-deposit inflows alone.

9.5. Provably fair & server-authoritative. All game logic — including card dealing and shuffling, dice rolls, slot reels, roulette spins, hand evaluation, jackpot increments and final payouts — is executed and validated on PlayFi's servers using a cryptographically secure random number generator. The browser client is treated as untrusted: it never decides outcomes, payouts, or game state. Any attempt to manipulate game results through the client, browser developer tools, modified game files, or replay/race attacks will result in immediate session reversal, account suspension and, where applicable, forfeiture of related balances.

9.6. Minimum and maximum bet amounts are determined per game and may be adjusted at any time. Per-game and per-session rate-limits are applied to prevent abuse.

9.7. The Platform is not responsible for losses incurred during casino gameplay. Users should only gamble with funds they can afford to lose, and should treat gaming as entertainment rather than as a source of income.

10. PLFI Token and Blockchain Integration

10.1. The Platform is integrated with the PlayFi Vault smart contract on the Polygon (MATIC) blockchain. The vault contract is verified and publicly accessible on PolygonScan.

10.2. All deposits, investments, and commissions are registered on-chain for full transparency and auditability.

10.3. The PLFI token serves as collateral backing for investments within the PlayFi Vault, providing an additional layer of security to investor funds.

10.4. Smart contract interactions require a compatible Web3 wallet (MetaMask or Phantom) and sufficient MATIC for gas fees.

10.5. The Platform is not responsible for losses resulting from user errors in blockchain transactions, incorrect wallet addresses, or third-party wallet security breaches.

11. Risk Disclosure

11.1. While investments on PlayFi are secured through the PlayFi Vault smart contract with PLFI token collateral, and the risk is considered extremely low, all cryptocurrency-based investments carry inherent risks including but not limited to:

• Market volatility of cryptocurrencies and stablecoins.
• Smart contract vulnerabilities (despite verification and auditing).
• Regulatory changes in various jurisdictions.
• Technical failures or blockchain network disruptions.

11.2. The Platform has implemented multiple safeguards to minimize risk, including: on-chain collateral through the PlayFi Vault, verified smart contracts, and a diversified revenue model (casino operations, network growth, and investment yields).

11.3. Users should only invest funds they can afford to lose and should conduct their own due diligence before investing.

11.4. The Platform does not provide financial, legal, or tax advice. Users are encouraged to seek independent professional advice.

12. Prohibited Activities

Users agree not to:

• Use the Platform for money laundering, terrorist financing, or any illegal activity.
• Attempt to exploit, hack, or interfere with the Platform's systems, smart contracts, or other users' accounts.
• Tamper with client-side game files, browser tooling, requests, headers or replays in an attempt to alter game outcomes, payouts or wallet balances. All game logic is server-validated; any client-side tampering will be detected, the affected sessions reversed, and the account subject to immediate suspension or quarantine.
• Create multiple accounts or use fake identities.
• Use bots, scripts, or automated tools to interact with the Platform without authorization.
• Manipulate or attempt to manipulate game outcomes, lottery draws, BTC Bet results, or commission structures.
• Abuse referral, matrix, or rank-bonus mechanics through self-referrals, fake networks, or coordinated multi-accounting.
• Violate any applicable laws, regulations, or third-party rights.
• Share account credentials with third parties.
• Use the Platform if you are a resident of a jurisdiction where such use is prohibited.

13. Account Suspension, Quarantine and Termination

13.1. PlayFi reserves the right to suspend, restrict, quarantine, or terminate any user account at its sole discretion if a violation of these Terms is suspected or confirmed.

13.2. Quarantine. Accounts that are conclusively proven to have engaged in fraud, exploitation of vulnerabilities, multi-accounting, or any form of system abuse may be placed in a quarantined state. Quarantined accounts are removed from public-facing surfaces (chat, network trees, leaderboards, search and administrative listings) and lose access to login, withdrawals, gameplay and all platform services. Data is retained for auditing, compliance and potential legal proceedings; quarantine does not constitute a refund of any kind.

13.3. In cases of fraud, abuse, or illegal activity, remaining balances may be frozen and forfeited.

13.4. Users may request account closure by contacting support at support@myplayfi.io. Upon closure, remaining withdrawable balances (Earnings wallet) will be processed according to standard withdrawal procedures.

14. Account Security and Sensitive Actions

14.1. Password and credentials. Each user is solely responsible for safeguarding their account password. Passwords are stored hashed (bcrypt) on PlayFi's servers and are never visible to staff. PlayFi will never ask for a user's password through email, chat, Telegram or any other channel.

14.2. Email verification. A verified email address is required for deposits, withdrawals, gameplay and any change to account credentials. Users who registered with a typo'd address may correct it from the verification screen by re-entering their password and the corrected address; an administrator can also resend or manually confirm the verification email from the admin panel on request to support.

14.3. Two-factor authentication (2FA). Where enabled by the Platform, sensitive actions — withdrawals, password changes, email changes and wallet-address changes — require a second factor in addition to the account password. The Platform may implement 2FA as a time-based one-time password (TOTP, compatible with Google Authenticator, Authy, 1Password and similar apps), as an email one-time PIN, as a user-set numeric PIN, or as a combination of the above. Users are responsible for safely storing their TOTP secret, recovery codes and/or PIN; loss of the second factor may delay sensitive operations while the user verifies identity through alternative recovery channels.

14.4. Session management and rate-limits. Sessions automatically expire after a period of inactivity and the session identifier is regenerated upon login to prevent session fixation. The Platform applies per-endpoint and per-user rate-limits (burst and sustained) to login attempts, deposits, withdrawals, game rounds and other sensitive endpoints; abuse may result in temporary IP blocking or account-level cool-downs.

14.5. Notification of sensitive activity. The Platform may send email or in-platform notifications when sensitive activity is detected on an account (new device login, password change, wallet-address change, large withdrawal request). Users should review these notifications immediately and contact support@myplayfi.io if any activity was not authorized.

15. Intellectual Property

All content, trademarks, logos, software, designs, and materials on the Platform are the property of PlayFi Global or its licensors. Unauthorized reproduction, distribution, or modification is strictly prohibited.

16. Limitation of Liability

16.1. To the maximum extent permitted by law, PlayFi Global, its operators, affiliates, partners, and employees shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use the Platform.

16.2. The Platform is provided "as is" and "as available" without warranties of any kind, express or implied.

16.3. PlayFi is not responsible for losses caused by third-party services, blockchain network issues, wallet providers, or force majeure events.

17. Dispute Resolution

17.1. Any disputes arising from the use of the Platform shall be resolved first through good-faith negotiation via support channels.

17.2. If a dispute cannot be resolved amicably within 30 days, it shall be submitted to binding arbitration in accordance with the rules of the jurisdiction in which the Platform operates.

17.3. Users waive the right to participate in class-action lawsuits or class-wide arbitration.

18. Privacy and Data Protection

The collection, use, and protection of user data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

19. Contact Information

For questions, concerns, or inquiries regarding these Terms and Conditions, please contact us at:

• Email: support@myplayfi.io
• Platform: myplayfi.io
• Telegram: PlayFi Community