Digital Gold T&C: Dhanteras–Diwali Campaign

This campaign encourages disciplined gold investment via Digital Gold on FatakPay during the festive period. Users who invest a minimum of ₹500, five times between 11th – 23rdOctober will receive ₹250 Digital Gold after the campaign ends. Below are the campaign-specific Terms & Conditions in FatakPay’s usual T&C flow.

Campaign Window & Eligibility

• Period: 11th Oct (00:00 IST) to 23rd Oct (23:59 IST).
  
• Who can participate: Indian residents aged 18+ with completed KYC on FatakPay.
  
• Unique user rule: One reward per user. Multiple accounts or device changes for the same person are ineligible.

Qualifying Transactions

• Minimum ticket: Each qualifying purchase must be ₹500 or more (post any charges/taxes, as applicable).
  
• Count required: Five successfulpurchases within the campaign window on FatakPay Gold.
  
• Success definition: Payment confirmed and gold units successfully allotted our Niwish partner’s ledger and on receipt of successful buyconfirmation to FatakPay.
  Note: Failed/reversed/cancelled payments, or refunds, do not count.
  
• Edits/returns: If any of the five purchases are reversed/refunded for any reason, the user may fall below the threshold and become ineligible.
  
• Platform scope: Only in-app purchases made through the financial wellness app are eligible.

Reward & Fulfilment

• Reward: ₹250 worth of Digital Gold credited to the same FatakPay Gold account.
  
• Timeline: Credited within 7 working days after campaign closure and reconciliation.
  
• Form of reward: Gold value (rupee-denominated) converted into units at the time of credit. Market prices vary; credited grams will reflect the live buy rate at the time of credit.
  
• Non-transferable: Reward cannot be exchanged for cash or transferred to another account.

Pricing, Charges & Risks

• Live pricing: Digital gold prices fluctuate; past performance is not indicative of future returns.
  
• Taxes/charges: Applicable taxes/charges as per partner pricing. Final allotment reflects the net value post charges.
  
• Custody & partner: Digital Gold is offered on FatakPay in partnership with Niwish; custody, buy/sell rates, and operational policies are per partner arrangements.

Fair Use, Fraud & Disputes

• Abuse prevention: FatakPay may withhold or reverse rewards for suspected fraud, gaming, bulk creation of accounts, or policy violations.
  
• Decisions: FatakPay’s decision on eligibility and fulfilment is final and binding.
  
• Support: For queries, raise a ticket via the FatakPay app with purchase references.

How to Participate (Quick Steps)

1. Open the FatakPay app → Gold.
   
2. Buy ₹500 or more per transaction.
   
3. Complete five such purchases between 11th–23rd Oct.
   
4. Keep payment confirmations; ensure KYC is completed.
   
5. Receive ₹250 Digital Gold post campaign reconciliation.

General Terms & Conditions

FatakPay operates as a financial wellness app focused on responsible investing and long-term money habits.

For overarching platform rules including user obligations, cancellations/refunds, liabilities, dispute resolution, and policy changes, please read the General Terms & Conditions. Participation in this FatakPay campaign implies acceptance of both these campaign-specific terms and the General T&Cs.

Note: FatakPay may modify, pause, or terminate the campaign (including reward amounts and timelines) at its sole discretion, with reasonable notice where practicable.