About Games of Chance:
1) requires a user to contribute money (Linden dollars or any other currency) or objects of value to play the game
2) Rely on chance or random number generation to determine a winner, OR rely on the outcome of real-life organized sporting events.
3) Provide a payout in Linden Dollars, or any real-world currency or thing of value.
About Games of Skill:
1) "This policy only applies to wagering games that meet the criteria listed above. If your game or contest does not meet the above criteria, it is not restricted under this policy, but applicable laws and local practice may impose additional requirements on you."
(https://blogs.secondlife.com/community/features/blog/2007/07/26/wagering-in-second-life-new-policy)
2) "This policy only applies to wagering games that involve an element of chance. This includes, for instance, any game involving random number generation, simulated dice, cards, poker, lotteries, bingo, or any other “chance” game. Games of pure intellectual or physical skill, such as puzzles or other skill contests, may not fall under this definition." (https://blogs.secondlife.com/community/features/blog/2007/08/10/anti-gambling-policy-update-faq)
So, what conclusions can we make? How do we create a TOS complaint game? According to the above we can:
1) Make games that dont require a player to pay in order to play. There is a lot of such games, and they sell pretty well. For example Una card game. It doesnt require players to pay in and thus is legal. A poker game that doesnt require players to pay is also legal.
2) Remove any chance elements in the game. This criterion is practically impossible to meet since most games of skill include some chance elements. The only games which can meet the criterion and remain interesting are multiplayer games where the unknown and
uncontrolled element is the opponents mind. So, for example, a game of chess meets this criterion.
3) Don't give out money as prizes. I head such a suggestion somewhere.


But hey, some people can play games just for fun! Thats how game making business works in Real Life. e.g. people dont expect to win real money playing Tetris or Monopoly, but they still pay money to buy the game.
Instead of a conclusion. Even if you make a perfect skill game, remember that it MAY be removed by the Lindens nonetheless. At least thats how we can understand their "Games of pure intellectual or physical skill, such as puzzles or other skill contests, MAY not fall under this definition".
So good luck out there, game makers!
Oops...I wanted to say - good SKILL!

P.S. If any Linden is reading this message - please tell G-Team members that I would LOVE to chat with them.