Terms of Use

Version 2026-11-06 · Last updated 6 November 2026

These terms are a working draft and are being reviewed by our lawyers. Items highlighted like this are still to be confirmed.

These terms are an agreement between you and [Company legal name], a company registered in Nigeria (RC [number]), with its address at [registered address] ("Rake", "we", "us"). By creating an account or playing on Rake, you agree to them. If you don't agree, please don't use Rake.

1. Who can use Rake

• You must be 18 or older. We may ask you to prove your age and identity at any time, and we will close accounts of anyone under 18 and return any balance.
• You may only have one account. It is personal to you: don't share it, sell it or let anyone else play on it.
• You must only use Rake where it is legal for you to do so. Rake operates under [licence type and number, issuing authority].
• You can't use Rake if you have chosen to exclude yourself from gambling or gaming, or if we have closed a previous account of yours.

2. Your account

• You are responsible for keeping your password safe. Anything done through your account is treated as done by you.
• We don't yet offer password recovery. If you lose your password we may not be able to restore your account, though we will help where we can verify that the account is yours.
• Tell us straight away at [support email] if you think someone else has used your account.

3. How games work

• Rake offers one-on-one games of skill (currently Ludo and Whot) against other real players. You are always matched with another person, never with the house or a bot.
• Both players pay the same entry. Our server shuffles, deals and rolls using a cryptographic random number generator, checks every move against the rules, and records each match in a tamper-evident log.
• The rules for each game are shown in the app before you join and form part of these terms. Each turn has a time limit; missing it has the consequences shown in the rules, and missing two turns in a row forfeits the match.
• If you leave a match or lose your connection, the clock keeps running. A forfeited or timed-out match counts as a loss.
• If our systems fail in a way that makes a fair result impossible, we will cancel the affected match and return both entries in full.

4. Entries, fees and winnings

• When you join a game, your entry is held from your wallet. If no opponent is found, or you cancel before a match starts, it is returned in full.
• The winner of a Ludo or Whot match receives both entries minus a platform fee of 10% of the pot. The fee shown in the app when you join is the fee that applies.
• Sports prediction challenges, when available, take a fee on the winner's winnings, shown before you create or join one.
• When real-money play is switched off ("free play"), no entry is charged and nothing is paid out.

5. Deposits and withdrawals

• Deposits are currently made by bank transfer and credited once we confirm the payment. Use your Rake username as the transfer reference. Deposits must come from an account in your own name.
• You can request a withdrawal of your available balance (minimum ₦500) to a bank account in your own name. Requests are normally processed within [number] working days.
• Before paying out, we may ask for proof of identity, age and bank account ownership, as required by law and to prevent fraud.
• We may withhold or reverse funds connected to fraud, chargebacks, collusion or a breach of these terms, and may report suspicious activity to the authorities.

Referral rewards

• If someone signs up with your referral code and then deposits at least ₦1,000 and finishes a paid game against someone other than you, you each receive ₦500.
• The new player's ₦500 is a bonus that can be used for entries but can't be withdrawn. When you win a game, the part of the pot your opponent paid with bonus reaches you as bonus; the rest of your winnings is cash. The referrer's ₦500 goes to their referral earnings, which can be used for entries or moved to cash once they reach ₦5,000.
• A referrer can earn from up to 100 referrals (₦50,000) in a calendar month.
• Referring yourself, creating extra accounts, or arranging games between referred accounts to collect rewards breaks these terms. We may cancel referral rewards, and any winnings made with them, where we reasonably believe this has happened.
• We may change or end the referral programme at any time; rewards already earned stay yours.

6. Fair play

To keep games fair for everyone, you must not:

• work with another player to fix a result, pass money between accounts, or deliberately lose;
• open or use more than one account, or play on someone else's;
• use bots, scripts, or any software that plays or advises for you;
• exploit a bug or error instead of reporting it;
• harass, threaten or abuse other players.

If we reasonably believe you have broken these rules, we may void affected matches, withhold winnings from them, and suspend or close your account.

7. Playing responsibly

You can set deposit limits and take a break from Rake at any time from your wallet. A break can be made longer but not shorter. See Play responsibly for the tools and where to get help.

8. Disputes

If you think a match was decided wrongly, contact [support email] within 7 days with the match ID shown in the game's audit log. We will review the server record of every roll, deal and move and reply within [number] days. If you're not satisfied, you may escalate to [regulator or dispute body].

9. Suspending or closing accounts

You can stop using Rake at any time and withdraw your balance. We may suspend or close an account for breaking these terms, where the law requires it, or with reasonable notice for any other reason. When we close an account without fault on your part, we return your available balance.

10. Our responsibility to you

We provide Rake with reasonable care and skill, but we can't promise it will always be available or error-free. To the extent the law allows, we are not responsible for losses that weren't foreseeable, or for losses caused by your internet connection or device. Nothing in these terms limits liability that can't be limited by law.

11. Changes to these terms

We may update these terms. If we make an important change, we'll ask you to accept the new version before you play again.

12. Law

These terms are governed by the laws of the Federal Republic of Nigeria and of [Lagos State / the licensing state]. Disputes will be handled by the courts of [state].

13. Contact

[Company legal name] · [address] · [support email] · [phone or WhatsApp]