Terms & Regulations

Our online scratch-card games and related tasks are provided for entertainment purposes. By using the Service, you agree to comply with these Terms of Service and all applicable laws. Your use of the Service is at your own risk and you must be at least 18 years old to participateassureinsurance.com.sg.

By accessing or using the Service, the user acknowledges that they have read, understood, and agreed to be bound by the Terms and Conditions of the Service.

All games available on the Service, including scratch card-style games, promotional contests, and similar activities, operate under a “Free Entry” model and may be accessed without any purchase or payment requirement. Users may participate in the available games free of charge in accordance with the rules set forth in these Terms.

The Service may additionally offer optional purchases of virtual credits or points (“Game Coins”), which are intended solely for entertainment, promotional, or gameplay enhancement purposes. The purchase of “Game Coins” does not increase a user’s chances of winning and is not required in order to participate in any game, contest, or promotion offered through the Service.

To the extent permitted under applicable United States law, the Service is intended to operate as a promotional sweepstakes platform in compliance with “No Purchase Necessary” and “Alternative Free Method of Entry” principles, where required by applicable federal or state laws and regulations.

Gameplay Rules

Users may begin using the Application by creating an account and selecting their preferred frequency for receiving free daily promotional scratch cards. After completing the registration process, users may obtain free Game Coins by completing simple optional online activities provided by partners cooperating with the Operator.

Tasks available within the Application are promotional, marketing-related, or engagement-based in nature and are provided by third-party partners. The Operator makes reasonable efforts to ensure that tasks remain simple, transparent, and generally capable of being completed within approximately 1 to 3 minutes. If a user believes that a particular task is inappropriate, excessively complex, or requires an unreasonable amount of time, the task may be reported to the Operator at: thescratchify@gmail.com. The Operator reserves the right to review, remove, restrict, or reject tasks that do not comply with internal quality, compliance, or user experience standards.

In the event that a partner violates the Operator’s publishing standards or provides tasks inconsistent with applicable policies or guidelines, the Operator reserves the right to restrict future task publication, suspend cooperation, or limit access to selected platform features.

After obtaining Game Coins, users may use them to participate in promotional scratch/reveal gameplay available through the Application. Users may freely select any available scratch card published within the platform. Each scratch card contains hidden symbols, cards, or reveal fields associated with the outcome of the applicable promotional gameplay.

The gameplay interface allows users to scratch, reveal symbols, and view gameplay results. In selected gameplay modes, users may independently choose a specific card or reveal field from the available pool, providing equal participation conditions for all users participating in the same promotional gameplay experience.

Each user receives a unique account identifier and may personalize their profile by selecting a display name or avatar. Community-related features available within the Application are intended to support a social environment for users interested in promotional scratch/reveal-style entertainment.

After completing their daily activity, users may additionally complete other free optional activities available within the “Free Top Up” section in order to obtain additional free Game Coins. The Operator may also optionally provide access to additional Game Coins through optional services or platform features available only in selected regions; however, the use of such services is never required in order to participate in promotional gameplay.

Prize values, reward availability, and promotional structures may vary depending on the user’s jurisdiction, applicable laws, and regional regulatory restrictions.

The use of bots, automation tools, scripts, exploits, reverse engineering tools, gameplay manipulation methods, unauthorized copying of Application elements, or any activities that may compromise the integrity, security, or proper operation of the Application or the Scratchify platform is strictly prohibited.

Partner Tasks & Cooperation

The Operator cooperates with third-party partners providing tasks, promotional activities, marketing campaigns, and other engagement-based activities made available through the Application. Each partner cooperating with the Operator is subject to an individual verification process and separate cooperation terms defined in independent partner agreements.

For partners publishing tasks or campaigns within the Application, the Operator enters into separate agreements governing, among other things, the nature of the cooperation, task publication rules, quality standards, compliance requirements, settlement methods, partner responsibilities, and other conditions related to the use of the partner dashboard and features available within the Scratchify platform.

Partners may publish online tasks, promotional activities, or marketing campaigns intended to promote products, services, applications, websites, digital content, or support the growth of their online communities and businesses. All tasks published by partners are subject to internal moderation and may be restricted, rejected, removed, or suspended by the Operator in the event of violations of platform guidelines, applicable laws, compliance requirements, or internal quality standards.

If you are interested in becoming a partner and publishing tasks for the Scratchify user community, please contact the Operator at: thescratchify@gmail.com

Custom Scratch Cards & Brand Cooperation

If you are a company, brand, creator, or business interested in creating a custom promotional scratch card campaign for the Scratchify community, please contact us at: thescratchify@gmail.com.

Our team may help publish your custom scratch card campaign within the Scratchify platform or assist in creating a fully customized promotional scratch/reveal experience tailored to your business, product, marketing campaign, or online community.

Custom scratch card campaigns may include branded visuals, promotional rewards, engagement mechanics, community-focused promotions, or marketing-related activities designed specifically for your target audience.

Once approved and published, your scratch card campaign may become available to the Scratchify community, allowing our users to participate in your promotional experience through the Scratchify platform.

Eligibility and Compliance:

Users must be at least 18 years oldassureinsurance.com.sg and comply with local laws and regulations governing online gamingassureinsurance.com.sg. Our games operate under a sweepstakes/contest model (free or task-based participation) and are not available in jurisdictions where such games are prohibited. For example, current restrictions bar users in Washington, Michigan, Montana, California, Connecticut, Nevada, New Jersey, and Idahosweepskings.com. It is your responsibility to verify that participation is legal in your location before depositing funds or playing assureinsurance.com.sgsweepskings.com..

Access to and use of the Service is permitted solely for users physically located within the United States of America. Any access to or use of the Service by individuals located outside of the United States is strictly prohibited.

Users are prohibited from using any technology, software, or tools designed to conceal, alter, falsify, or manipulate their IP address, geographic location, or geolocation data, including but not limited to VPN services, proxy servers, location spoofing tools, or any similar technologies.

In the event of a violation of the above provisions, the Company reserves the right to immediately restrict, suspend, or permanently terminate access to the user’s account and the Service without prior notice.

Account Registration:

You agree to provide true and accurate information when creating an account. Each user may hold only one account, and you are responsible for maintaining the confidentiality of your login credentials. We may require identity or age verification as needed to ensure compliance with these Termsassureinsurance.com.sg. Users who violate rules (including by creating multiple accounts or falsifying information) may be barred from the Service.

No Purchase Necessary: 

Use of the Application and participation in promotional gameplay may be conducted entirely free of charge. Users may obtain free Game Coins, scratch cards, or other promotional entries by completing optional online activities provided by partners cooperating with the Operator. Such activities may include simple promotional, marketing, or testing-related online tasks and typically require between one and several minutes to complete.

The Application allows users to complete multiple available activities throughout the day, enabling continued participation in promotional gameplay without the need to make any purchase or payment.

The Operator may optionally offer the ability to purchase additional Game Coins or enhanced Application features intended solely to improve user convenience or entertainment experience; however, a purchase is never required in order to participate in promotional gameplay, obtain free rewards, or access the core functionality of the Application. Making a purchase does not increase a user's odds of receiving any prize and is not a condition of participation in any promotion, contest, or sweepstakes offered through the Application.

The Service is operated on the basis of equal participation opportunities for all users. No payment, optional purchase, or additional feature available through the Service increases the odds of winning, affects gameplay outcomes, or provides any advantage over users participating exclusively through free access methods.

The Service does not utilize “pay-to-win” mechanics, premium cash-equivalent currencies, paid boosts, paid accelerated access, odds-enhancing features, wait-time reduction systems, or any other monetized functionality capable of influencing the probability of receiving a prize or altering the outcome of gameplay. All promotional mechanics and games offered through the Service remain accessible through a free entry participation model.

Game Coins and Prize Restrictions: 

The Application allows users to participate in promotional activities and gameplay experiences through the use of virtual points (“Game Coins”). Game Coins may be obtained entirely free of charge, including through optional online activities, promotional tasks, marketing campaigns, daily engagement within the Application, or other free participation methods made available by the Operator.

The Operator may additionally offer optional purchases of additional Game Coins or convenience-related features intended to enhance the user experience; however, no purchase or payment is ever required in order to participate in promotions, gameplay activities, promotional contests, or to obtain free prizes. The purchase of Game Coins or optional services does not increase a user’s chances of winning, does not affect gameplay outcomes, and is not a condition of participation in any promotion, contest, or sweepstakes made available through the Application.

Game Coins constitute solely a promotional and technical feature enabling participation in certain Application functionalities. Game Coins have no cash value, market value, or exchange value and may not be redeemed, transferred, or exchanged for money, digital currency, monetary credits, payment instruments, or any other cash-equivalent item. Game Coins do not constitute a deposit, investment product, financial instrument, or any vested property right of the user.

Prizes awarded to users constitute a separate component of the Operator’s promotional activities and may not be converted into additional Game Coins, gameplay credits, or any other mechanism enabling continued participation in gameplay activities, promotional entries, or chance-based mechanics within the Application. The Operator does not permit prizes to be used for additional entries, spins, reveals, or similar mechanics that could resemble reinvestment systems, chained gameplay, endless play structures, or other mechanisms commonly associated with gambling or casino-style operations.

Payments and Payouts:

All deposits and withdrawals are processed through secure payment gateways. We use industry-standard SSL/TLS encryption for transactionsstcroix-casinos.com, and we do not store your sensitive financial details beyond the duration needed to process paymentsstcroix-casinos.com. Supported payment methods include credit/debit cards, electronic wallets (such as PayPal), and major cryptocurrencies (e.g. Bitcoin, Ethereum)reuters.com. Once you fund your account, you may use those funds to play games or complete simple tasks to earn game credits. Withdrawals of winnings are made via the same or equivalent payment method and may require identity verification or fulfillment of minimum payout thresholds.

Game Play:

All scratch-card game outcomes are determined by chancegofaizen-sherle.com. Players receive the result of each game instantly, but all prizes are randomly awarded according to fixed odds. You may earn additional scratch cards by completing promotions or tasks as described on the site. No skill, purchase, or additional payment is required to obtain a chance to win beyond the standard deposit or participation requirements. All play is final once a draw has been made. We do not guarantee any particular prize and do not offer refunds for losses.

Prohibited Conduct:

You agree not to use the Service for any illegal purpose or in any manner that violates these Terms. Prohibited actions include: using automated bots or cheats, manipulating outcomes, engaging in fraud, money laundering, or any activity that circumvents game rules. We may suspend or terminate accounts that engage in prohibited conduct without refund.

Intellectual Property:

All content on the Service (including game designs, graphics, and trademarks) is owned by us or licensed to us. You may not copy, distribute, or create derivative works from any portion of the Service without our permission.

Disclaimers and Limitation of Liability:

The Service is provided “as is” and we do not guarantee uninterrupted or error-free operation. We disclaim all warranties, and to the fullest extent permitted by law, we are not liable for any damages arising from your use of the Service, including losses of funds or data. In particular, because outcomes are random and games are chance-basedgofaizen-sherle.com, you assume the risk of any losses. We are an intermediary platform and do not guarantee the performance of any third parties or games beyond facilitating play and payout.

Changes to Terms:

We may update these Terms at any time. We will notify users of significant changes via email or on the website. Your continued use of the Service after changes constitutes acceptance of the new terms.

Restricted States & Limited Mode: 

In order to comply with applicable federal and state laws within the United States, certain Application features, promotional mechanics, or gameplay functionalities may be restricted, modified, or entirely unavailable in specific jurisdictions.

Restricted States and Prohibited Access:  

Completely prohibited gameplay and account registration may apply in certain jurisdictions (“Restricted States”) where local laws, regulations, licensing requirements, or compliance policies prohibit access to the Application or its functionalities. Users located in Restricted States are not permitted to create accounts, access the Service, participate in gameplay, make deposits, receive promotional rewards, or use any monetized or prize-related features of the Application.

The Operator reserves the right to block, suspend, or terminate access to the Application in Restricted States at any time, including by using geolocation systems, IP detection, identity verification, payment verification, or other compliance measures. Any attempt to circumvent geographic restrictions, including through VPNs, proxies, false identity information, or other technical methods, may result in immediate account suspension or permanent termination without notice.

The list of Restricted States may be updated, expanded, or modified by the Operator at any time without prior notice in order to maintain legal, regulatory, or compliance obligations.

The Operator reserves the right to apply geo-restrictions, deny access, or implement a limited functionality mode (“Limited Mode”) depending on the user’s geographic location.

Full Restricted States

Access to the Application or selected functionalities may be fully restricted for users located in the following states: 

California

Washington

Ohio

Connecticut

Limited Mode States: In certain higher-risk jurisdictions, the Application may operate under a “Limited Mode” structure limited exclusively to promotional, casual, or marketing-style engagement functionalities.

Users located in the above jurisdictions are prohibited from using the Application, creating accounts, participating in promotional gameplay, obtaining Game Coins, or accessing any gameplay, rewards, or promotional features made available through the Application.

If the Operator determines that a user is accessing the Application from a restricted jurisdiction or attempting to circumvent applicable geo-restrictions, the Operator reserves the right to immediately suspend or permanently terminate the user’s account without prior notice and without the possibility of appeal.

In the event that the user has made any payments or transactions that qualify for a refund under the applicable rules and policies, the Operator may, at its sole discretion, cancel such transactions and issue a refund in accordance with the applicable payment policy and governing law.

Limited Mode may include only:

In certain states or jurisdictions where additional legal, regulatory, or compliance restrictions apply, the Application may operate in a limited mode (“Limited Mode”). The Operator reserves the right to restrict or disable selected Application functionalities depending on the user’s location and applicable laws or regulations.

States subject to Limited Mode may include, but are not limited to:

• Florida (FL)


• Michigan (MI)


• Idaho (ID)


• Louisiana (LA)


• Maryland (MD)


• Mississippi (MS)


• North Carolina (NC)


• New Jersey (NJ)


• Tennessee (TN)


• West Virginia (WV)

Under Limited Mode, only selected promotional or casual features may be available, including but not limited to:

• free Daily Game Coins,


• login bonuses,


• optional promotional tasks,


• fixed promotional rewards,


• casual scratch/reveal mechanics,


• engagement and marketing-style reward features.

Under Limited Mode, the following functionalities may be restricted or unavailable, including but not limited to:

• purchasing spins, reveals, or entries,


• rebetting mechanics,


• exchanging rewards for continued gameplay,


• cash-equivalent systems,


• endless gameplay loops,


• functionalities resembling casino games,


• slot-machine or casino-style animations, visual effects, or user interfaces.

Prize Limitations by Jurisdiction: The Operator may, at its sole discretion, update, expand, restrict, or modify the list of jurisdictions subject to Limited Mode or full access restrictions (“Restricted States”) without prior notice to users. The scope of available functionalities may vary depending on the user’s location, applicable legal or regulatory requirements, or the Operator’s internal compliance policies.

In order to ensure compliance with applicable federal laws and the laws of individual U.S. states, the type, quantity, value, and availability of prizes may vary depending on the user’s jurisdiction.

The Operator reserves the right to limit the maximum value of prizes, exclude certain prize categories, or apply different promotional rules for users located in selected states or jurisdictions where specific legal, regulatory, or administrative requirements applicable to sweepstakes, promotions, or promotional gameplay activities are in effect.

In particular, additional restrictions, prize limitations, or a Limited Mode version of the Application may apply, among others, to users located in the following states:

Florida

New York

Rhode Island

Michigan

Idaho

Louisiana

Maryland

Mississippi

North Carolina

New Jersey

Tennessee

West Virginia

The Operator may also fully restrict access to certain Application features or promotions for users located in states subject to heightened regulatory considerations, including but not limited to:

California

Washington

Ohio

Connecticut

In certain jurisdictions, the maximum prize value available to an individual user may be limited in accordance with applicable local laws or the Operator’s internal compliance policies.

Users are solely responsible for reviewing and understanding the laws and regulations applicable in their jurisdiction of residence or physical location. The Operator reserves the right to verify a user’s location and to deny prize eligibility, cancel participation, suspend accounts, or restrict access to selected Application functionalities in the event of a violation of applicable regional or regulatory restrictions.

In order to comply with applicable federal and state laws and regulations within the United States, prize availability and maximum prize values may vary depending on the user’s jurisdiction.

Except for jurisdictions where access to the Application is fully restricted, the following states may be subject to specific prize limitations, reduced reward caps, or Limited Mode participation requirements:

• Florida


• New York


• Rhode Island


• Michigan


• Idaho


• Louisiana


• Maryland


• Mississippi


• North Carolina


• New Jersey


• Tennessee


• West Virginia

For users located in the states listed above, the Operator reserves the right to limit the maximum value of prizes, restrict certain reward categories, or apply additional eligibility and compliance requirements in accordance with applicable laws and internal compliance policies.

For all other eligible jurisdictions not listed above, users may participate in promotions and claim prizes up to the maximum value displayed or advertised within the applicable scratch card, promotion, or gameplay feature, subject to these Terms and Conditions.

The Operator reserves the right to modify prize availability, participation eligibility, or regional restrictions at any time in order to maintain compliance with applicable laws, regulations, platform policies, or compliance requirements.