StockSaga is the core product of Stock Saga Proprietary Firm (“StockSaga”). StockSaga, along with its subpages, offers sports based online fantasy games. StockSaga has used herein shall be construed as a collective reference to StockSaga.com and the StockSaga App.

Any person utilizing StockSaga.com or StockSaga App (“User”) or for availing the online information and database retrieval services including fantasy gaming services, offered therein(“StockSaga Services”) including participation in the various modes and, games (including fantasy games), being conducted on StockSaga (Trades) shall be bound by these Terms and Conditions, and all other rules, regulations and terms of use referred to herein or provided by StockSaga in relation to any StockSaga Services.
StockSaga shall be entitled to modify these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by StockSaga.com in relation to any StockSaga Services, at any time, by posting the same on StockSaga. Use of StockSaga constitutes the User’s acceptance of such Terms and Conditions, rules, regulations and terms of use referred to herein or provided by StockSaga in relation to any StockSaga Services, as may be amended from time to time. StockSaga may also notify the User of any change or modification in these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by StockSaga, by way of sending them an email on their User’s registered email address or posting notifications in the User accounts. The User may then exercise the options provided in such an email or notification to indicate non-acceptance of the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by StockSaga. If such options are not exercised by the User within the time frame prescribed in the email or notification, the User will be deemed to have accepted the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by StockSaga. Certain StockSaga Services being provided on StockSaga may be subject to additional rules and regulations set down in that respect. To the extent that these Terms and Conditions are inconsistent with the additional conditions set down, the additional conditions shall prevail.
StockSaga may, at its sole and absolute discretion:

• Restrict, suspend, or terminate any User’s access to all or any part of StockSaga or StockSaga Services.
• Change, suspend, or discontinue all or any part of the StockSaga Services.
• Reject, move, or remove any material that may be submitted by a User.
• Move or remove any content that is available on StockSaga.
• Deactivate or delete a user’s account and all related information and files on the account.
• Establish general practices and limits concerning use of StockSaga.
• Revise or make additions to the roster of players available for selection in a match Trades on account of revisions to the roster of players involved in the relevant Sports Event.
• Assign its rights and liabilities to all User accounts hereunder to any entity (post intimation of such assignment shall be sent to all Users to their registered email ids).

In the event any User breaches, or StockSaga reasonably believes that such User has breached these Terms and Conditions, or has illegally or improperly used StockSaga or StockSaga Services, StockSaga may, at its sole and absolute discretion, and without any notice to the User, restrict, suspend or terminate such User’s access to all or any part of StockSaga or StockSaga Services, deactivate or delete the User’s account and all related information on the account, delete any content posted by the User on StockSaga and further, take technical and legal steps as it deems necessary.
If StockSaga charges its user a fee in respect to any StockSaga services, StockSaga, shall without any delay repay such fees in the event of suspension or removal or the user account or StockSaga services on account of any negligence or deficiency on the part of StockSaga. but not if such suspension or removal is affected due to:

Any breach or inadequate performance by the User of any of these Terms and Conditions.

or

Any circumstances beyond the reasonable control of StockSaga.

Users consent to receiving communications such as announcements, administrative messages and advertisements from StockSaga or any of its partners, licensor's or associates.

StockSaga includes a combination of content created by StockSaga, its partners, licensors, associates and/or Users. The intellectual property rights ("Intellectual Property Rights") in all software underlying StockSaga and the StockSaga Services and material published on StockSaga.com, including (but not limited to) games, Contests, software, advertisements, written content, photographs, graphics, images, illustrations, marks, logos, audio or video clippings and Flash animation, is owned by StockSaga, its partners, licensors and/or associates. Users may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works of, distribute, publicly perform, publicly display, or in any way exploit any of the materials or content on StockSaga.com either in whole or in part without express written license from StockSaga.
Users may request permission to use any StockSaga content by writing in to StockSaga Help Desk.
Users are solely responsible for all materials (whether publicly posted or privately transmitted) that they upload, post, e-mail, transmit, or otherwise make available on StockSaga.com ("Users' Content"). Each User represents and warrants that he/she owns all Intellectual Property Rights in the User's Content and that no part of the User's Content infringes any third-party rights. Users further confirm and undertake to not display or use of the names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights of any third-party on StockSaga. Users agree to indemnify and hold harmless StockSaga, its directors, employees, affiliates and assigns against all costs, damages, loss and harm including towards litigation costs and counsel fees, in respect of any third-party claims that may be initiated including for infringement of Intellectual Property Rights arising out of such display or use of the names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on StockSaga, by such User or through the User's commissions or omissions.
Users hereby grant to StockSaga and its affiliates, partners, licensors and associates a worldwide, irrevocable, royalty-free, non-exclusive, sub-licensable license to use, reproduce, create derivative works of, distribute, publicly perform, publicly display, transfer, transmit, and/or publish Users' Content for any of the following purposes:

• displaying User's Content on StockSaga
• distributing Users' Content, either electronically or via other media, to other Users seeking to download or otherwise acquire it, and/or
• Storing Users' Content in a remote database accessible by end users, for a charge.

This license shall apply to the distribution and the storage of Users' Content in any form, medium, or technology.
All names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on StockSaga(s) belonging to any person (including User), entity or third-party are recognized as proprietary to the respective owners and any claims, controversy or issues against these names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights must be directly addressed to the respective parties under notice to StockSaga.

StockSaga may contain links to other Internet sites owned and operated by third parties. Users’ use of each of those sites is subject to the conditions, if any, posted by the sites. StockSaga does not exercise control over any Internet sites apart from StockSaga and cannot be held responsible for any content residing in any third-party Internet site. StockSaga inclusion of third-party content or links to third-party Internet sites is not an endorsement by StockSaga of such third-party Internet sites.
Users’ correspondence, transactions or related activities with third parties, including payment providers and verification service providers, are solely between the User and that third party. Users' correspondence, transactions and usage of the services of such third-party shall be subject to the terms and conditions, policies and other service terms adopted/implemented by such third party, and the User shall be solely responsible for reviewing the before to transacting or availing of the services of such third party. User agrees that StockSaga will not be responsible or liable for any loss or damage of any sort incurred as a result of any such transactions with third parties. Any questions, complaints, or claims related to any third-party product or service should be directed to the appropriate vendor.
StockSaga contains content that is created by StockSaga as well as content provided by third parties. StockSaga does not guarantee the accuracy, integrity, quality of the content provided by third parties and such content may not rely upon by the Users in utilizing the StockSaga Services provided on StockSaga including while participating in any of the Trades hosted on StockSaga.

All information collected from Users, such as registration and all payment information, is subject to StockSaga's Privacy Policy which is available at Privacy & Policy.

Users agree to abide by these Terms and Conditions and all other rules, regulations and terms of use of the Website. In the event User does not abide by these Terms and Conditions and all other rules, regulations and terms of use, StockSaga may, at its sole and absolute discretion, take necessary remedial action, including but not limited to:

• Restricting, suspending, or terminating any User’s access to all or any part of StockSaga Services.
• Deactivating or deleting a User’s account and all related information and files on the account. Any amount remaining unused in the User’s Game account or Earned Account on the date of deactivation or deletion shall be transferred to the User’s bank account on record with StockSaga excluding the bonus amount subject to a processing fee (if any) applicable on such transfers as set out herein; or
• refraining from awarding any prize(s) to such User.
• Users agree to provide true, accurate, current and complete information at the time of registration and at all other times (as required by StockSaga). Users further agree to update and keep updated their registration information.
• A User shall not register or operate more than one User account with StockSaga.
• Users agree to ensure that they can receive all communication from StockSaga by marking emails from StockSaga as part of their “safe senders” list. StockSaga shall not be held liable if any email remains unread by a User as a result of such email getting delivered to the User’s junk or spam folder.
• Any password issued by StockSaga to a User may not be revealed to anyone else. Users may not use anyone else's password. Users are responsible for maintaining the confidentiality of their accounts and passwords. Users agree to immediately notify StockSaga of any unauthorized use of their passwords or accounts or any other breach of security.
• Users agree to exit/log-out of their accounts at the end of each session. StockSaga shall not be responsible for any loss or damage that may result if the User fails to comply with these requirements.
• Users agree not to use cheats, exploits, automation, software, bots, hacks or any unauthorized third-party software designed to modify or interfere with StockSaga Services and/or StockSaga experience or assist in such activity.
• Users agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in, or otherwise transfer any right to the technology or software underlying StockSaga Services and/or StockSaga.
• Users agree that without StockSaga’s express written consent, they shall not modify or cause to be modified any files or software that are part of StockSaga Services.
• Users agree not to disrupt, overburden, or aid or assist in the disruption or overburdening of
  • any computer or server used to offer or support StockSaga or
  • StockSaga Services (each a “Server”); or
  • the enjoyment of StockSaga Services by any other User or person.
• Users agree not to institute, assist or become involved in any type of attack, including without limitation to distribution of a virus, denial of service, or other attempts to disrupt StockSaga. Services or any other person’s use or enjoyment of StockSaga Services.
• Users shall not attempt to gain unauthorized access to the User accounts, Servers or networks connected to StockSaga Services by any means other than the User interface provided by StockSaga including but not limited to, by circumventing or modifying, attempting to circumvent or modify, or encouraging or assisting any other person to circumvent or modify, any security, technology, device, or software that underlies or is part of StockSaga Services.
• Without limiting the foregoing, Users agree not to use StockSaga for any of the following:
• To engage in any obscene, offensive, indecent, racial, communal, anti-national, objectionable, defamatory or abusive action or communication.
• To restrict or inhibit any other user from using and enjoying any public area within our sites.
• To collect or store personal information about other Users.
• To interfere with or disrupt StockSaga, servers, or networks.
• To Transmit files that contain viruses, corrupted files, or any other similar software or programs that may damage or adversely affect the operation of another person's computer, StockSaga, any software, hardware, or telecommunications equipment.
• To advertise, offer or sell any goods or services for any commercial purpose on StockSaga without the express written consent of StockSaga.
• To Transmit content regarding services, products, surveys, pots, pyramid schemes, spam, unsolicited advertising or promotional materials, or chain letters.
• To advertise, offer or sell any goods or services for any commercial purpose on StockSaga without the express written consent of StockSaga.
• To download any file, recompile or disassemble or otherwise affect our products that you know or reasonably should know cannot be legally obtained in such manner.
• To falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material.
• To impersonate any person or entity, including, but not limited to, a representative of StockSaga, or falsely state or otherwise misrepresent User’s affiliation with person or entity.
• To forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through StockSaga or to manipulate User’s presence on StockSaga (s).
• To take any action that imposes an unreasonably or disproportionately large load on our infrastructure.
• To engage in any illegal activities. You agree to use our bulletin board services, chat areas, news groups, forums, communities and/or message or communication facilities (collectively, the “Forums”) only to send and receive messages and material that are proper and related to that particular Forum.

If a User chooses a username that, in StockSaga’s considered opinion is obscene, indecent, abusive or that might subject StockSaga to public disparagement or scorn, StockSaga reserves the right, without prior notice to the User, to change such username and intimate the User or delete such username and posts from StockSaga, deny such User access to StockSaga, or any combination of these options.
Unauthorized access to StockSaga is a breach of these Terms and Conditions, and a violation of the law. Users agree not to access StockSaga by any means other than through the interface that is provided by StockSaga for use in accessing StockSaga. Users agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of our sites, except those automated means that we have approved in advance and in writing.
Use of StockSaga is subject to existing laws and legal processes. Nothing contained in these Terms and Conditions shall limit StockSaga’s right to comply with governmental, court, and law-enforcement requests or requirements relating to Users’ use of StockSaga. Users may contact support@StockSaga.com with problems or questions, as appropriate.
Persons below the age of eighteen (18) years are required to seek permission or consent from their parents or legal guardians before furnishing data, participating or entering on StockSaga or the StockSaga Services or inter alias, in the pots, uploading pictures, playing games or being part, directly or indirectly, of any activity on StockSaga. Entry to StockSaga without consent from parent/s or legal guardian and consequent participation in any activity on StockSaga Website is not permitted and such person is subject to disqualification at the sole and absolute discretion of StockSaga, whenever it comes to the knowledge of StockSaga.
StockSaga believes that parents should supervise their children's online activities and consider using parental control tools available from online services and software manufacturers that help provide a child-friendly online environment. These tools can also prevent children from disclosing online their name, address and other personal information without parental permission.
Although persons below the age of 18 years are allowed to use certain StockSaga Services on the StockSaga with the consent of their parent/s or legal guardians, they may not (where expressly stated in the rules of the Trades) participate in Trade(s) hosted by StockSaga.
StockSaga may not be held responsible for any content contributed by Users on the StockSaga.

In order to register for the Trade(s), Participants are required to accurately provide the following information:

• Full Name
• E-mail address
• Password
• State of Residence
• Date of birth

Participants are also required to confirm that they have read, and shall abide by, these Terms and Conditions. In the event a Participant indicates, while entering an address, that he/she is a resident of either Andhra Pradesh, Assam, Odisha, Telangana, Nagaland, Sikkim such Participant will not be permitted to proceed to sign up for any round in the paid version of the app as described below.
Once the Participants have entered the above information, and clicked on the “register” tab, and such Participants are above the age of 18 years, they are sent an email confirming their registration and containing their login information.

By registering to the stocksaga.com website or app, Users shall bind to all our given terms for usage of the services provided by StockSaga. Services such as verification of the user, forget password via OTP verification, Mobile verification via OTP, etc. Here when a DND service is active from the user side still the user will receive SMS from StockSaga. Hence it is with full consent of the users that he is fine with the received SMS (messages) even if the DND mode is on.

StockSaga provides the following StockSaga Services

Users can buy and sell a maximum 50 Stocks in any cricketer in a single transaction, provided they have enough StockSaga Coins in their Wallet balance. This transaction limit might change over time, and StockSaga reserves the right to temporarily or permanently suspend Users' ability to buy and sell Stocks for specific cricketers or all cricketers.

The price of a Stock is determined by assessing each cricketer's performance using defined variables established by StockSaga. To evaluate and analyze a cricketer's performance, StockSaga employs a proprietary algorithm known as the "Scoring Simulation." This mechanism distills a cricketer's performance into statistics using various factors, including but not limited to batting impact, bowling impact, runs scored, wickets taken, and the outcome of the cricketer's team. These factors are used to calculate various performance metrics.

For detailed information about the Scoring Simulation, including the variables and mechanisms used, please refer to the Game Rules available at: Game Rules. Users must review and adhere to these Game Rules to participate in the StockSaga Game.

StockSaga will update each User's performance record based on their most recent performance. However, StockSaga cannot be held responsible for any errors or limitations that may arise from this calculation. Users are expected to conduct their own analysis, considering both past performance and future expectations, based on their knowledge of the players and the sport in addition to any information provided by StockSaga.

The User's objective is to predict a cricketer's future performance using the variables specified by StockSaga in the Scoring Simulation. Once a User makes their prediction, they can decide whether to buy or sell Stocks in a cricketer. For instance, if a User anticipates that a Stock's value will increase, they may purchase Stocks in that cricketer. The Stock's price is determined by the actual performance of the cricketer in matches and its impact on the variables defined by StockSaga. If the Stock's price increases based on the Scoring Simulation, the User can earn StockSaga Coins by selling their Stocks.

When selling Stocks, Users must check the interested buyers for that player stock and the bidding for the stock. Sellers can place the orders to sell the holdings if found the profitable bid in the market depth.

StockSaga Coins and Real Money earned or purchased by a User will be available in their Wallet linked to their Account.

Accounts with only cash balances in the Wallet and no trading activity in the StockSaga Game for 335 days will be considered inactive. StockSaga reserves the right to charge an inactive Account management fee on a monthly basis as per the notified schedule of charges. After 630 days, StockSaga may forfeit cash balances in inactive User Accounts without notice or compensation.

Please note that transactions on the Platform may take up to 72 hours to be processed. Users agree not to raise any complaints or claims against StockSaga regarding delays, including any missed opportunities to buy, sell, or trade due to any reasons where StockSaga was unable to execute the transaction.

Recently the Punjab and Haryana High Court in the case of Shri Varun Gumber vs Union Territory of Chandigarh and Ors, inter alia held that the fantasy sports games being offered by the fantasy sports games operator were ‘games of skill’ under Indian law and did not constitute gambling. The Honourable High Court also held that offering fantasy sports games on fantasy portals was a legitimate business activity and would be granted protection under Article 19(1)(g) of the Constitution of India.

The trades(s) described above (across the StockSaga Services) are games of skill as success of Participants depends primarily on their superior knowledge of the games of cricket, cricket statistics, knowledge of player’s relative form, player’s performance in a particular territory, conditions and/or format (such as ODIs, test cricket and Twenty20 in the cricket fantasy game), attention and dedication towards the trades(s) and adroitness in playing the trades(s).

By participating in these trades(s), each Participant acknowledges and agrees that he/she is participating in a game of skill.

The trades(s) are open only to persons above the age of 18 years.

The trades(s) are open only to persons currently residing in India.

StockSaga may, in accordance with the laws prevailing in certain Indian states, bar individuals residing in those states from participating in the Trade(s). Currently, individuals residing in the Indian states of Assam, Andhra Pradesh, Orissa, Telangana, Sikkim & Nagaland may not participate in the paid version of the Trades as the laws of these states bar persons from participating in games of skill where participants are required to pay to enter.

Persons who wish to participate must have a valid email address.

Only those Participants who have successfully registered on the StockSaga as well as registered prior to each round in accordance with the procedure outlined above shall be eligible to participate in the Trades and win prizes.

In respect of any transactions entered into on the StockSaga, including making a payment to participate in the paid versions of Trade(s), Users agree to be bound by the following payment terms:

• The StockSaga portal hosts a number of Trades for which it reserves the right to charge a Platform Fee, which would be specified and notified by StockSaga on the Trade page prior to a User's joining of such a Contest. The Platform Fee and applicable tax thereon will be debited from the User’s account balance along with the entry-fee for the Trade, and StockSaga shall issue an invoice for such debit to the User.

StockSaga provides users with three categories of accounts for the processing and reconciliation of payments in relation to the StockSaga Services:

(i)Deposit’s Account,

(ii) Earned Account, and

(iii) Cash Bonus Account

The User’s winnings in any Trades will reflect as credits to the Earned Account. It is clarified that in no instance will StockSaga permit the transfer of any amounts in the User’s accounts to any other category of account held by the user with StockSaga or any third-party account, including a bank account held by a third party.

Users shall be required to remit the required amount to StockSaga through the designated payment gateway. The payment made shall be credited to the User’s accounts and each time a User enters a round, the applicable amount towards participation in the round shall be debited from the User’s account. In debiting amounts from the User’s accounts towards the participation fee of such user in any round or Trade(s), StockSaga shall first debit the User’s ‘Cash Bonus Account’ (in accordance with any rules or limitations relating to the use of Cash Bonus as may be prescribed by StockSaga and applicable at such time), thereafter, any remaining amount of participation fee shall be debited from the User’s Deposit Account and thereafter, any remaining amount of participation fee shall be debited from the User’s Earned Account. In case there is any amount remaining to be paid by the User in relation to such User’s participation in any round(s) or Trade(s), the User will be taken to the designated payment gateway to give effect to such payment. In case any amount added by the User through such payment gateway exceeds the remaining amount of participation fee, the amount in excess shall be transferred to the User’s ‘Deposits’ Account and will be available for use in participation in any round(s) or Trade(s) or for withdrawal in accordance with these Terms and Conditions. Debits from the ‘Deposits’ Account to enable a user’s participation in a Trade shall be made in order of the date of credit of amounts in the ‘Deposits’ Account, and accordingly amounts credited into ‘Deposits’ Account earlier in time shall be debited first.

A User shall be permitted to withdraw any amounts credited into such User's 'Deposit' Account for any reason whatsoever by contacting StockSaga Customer Support. All amounts credited into a User's 'Deposit' Account must be utilized within 335 days of credit. In case any unutilised amount lies in the 'Deposit' Account after the completion of 335 days from the date of credit of such amount, StockSaga reserves the right to forfeit such unutilised amount, without liability or obligation to pay any compensation to the User.

Withdrawal of any amount standing to the User’s credit in the Earned Account may be made by way of a request to StockSaga but shall occur automatically upon completion of 335 days from the date of credit of such amount in the User’s Earned Account. In either case, StockSaga shall affect an online transfer to the User’s bank account on record with StockSaga within a commercially reasonable period. Such transfer will reflect as a debit to the User’s Earned Account. StockSaga.com may charge any processing fee for the online transfer of such amount from the Earned Account to the User’s bank account on record with StockSaga. Users are requested to note that they will be required to provide valid photo identification and address proof documents for proof of identity and address in order for StockSaga to process the withdrawal request. The name mentioned on the User’s photo identification document should correspond with the name provided by the User at the time of registration on StockSaga, as well as the name and address existing in the records of the User’s bank account as provided to StockSaga. If no bank account has been registered by the User against such User’s account with StockSaga, or the User has not verified his/her User account with StockSaga or, to StockSaga’s satisfaction and in accordance with these Terms and Conditions, StockSaga shall provide such User with a notification to the User’s email address as on record with StockSaga at least 30 days prior to the Auto Transfer Date, and in case the User fails to register a bank account with his/her User Account and/or to verify his/her User Account by the Auto Transfer Date, StockSaga shall be entitled to forfeit any amounts subject to transfer on the Auto Transfer Date. Failure to provide StockSaga with a valid bank account or valid identification documents (to StockSaga’s satisfaction) may result in the forfeiture of any amounts subject to transfer in accordance with this clause.

The Cash Bonus Account shall contain amounts gratuitously issued by StockSaga to the User for use in participation in any Trade(s) and no User shall be permitted to transfer or request the transfer of any amount into the Cash Bonus Account. The usage of any amounts issued and present in the Cash Bonus Account shall be subject to the limitations and restrictions, including without limitation, restrictions as to time within which such amount must be used, as applied by StockSaga and notified to the User at the time of issue of such amount. The issue of any amount to the Cash Bonus Account is subject to the sole discretion of StockSaga and cannot be demanded by any User as a matter of right. The issue of any such amount by StockSaga on any day shall not entitle the user to demand the issuance of such amount at any subsequent period in time nor create an expectation of recurring issue of such amount by StockSaga to such User. The amount standing to the credit of the User in the Cash Bonus Account may be used by such User for the sole purpose of setting off against the participation fee in any Trades, in accordance with these Terms and Conditions. The amount standing to the credit of the User in such User’s Cash Bonus Account shall not be withdraw-able or transferable to any other account of the User, including the bank account of such User, or of any other User or person, other that as part of the Earned of a User in any Trade(s). In case the User terminates his/her account with StockSaga or such account if terminated by StockSaga, all amounts standing to the credit of such User in the Cash Bonus Account shall return to StockSaga and the User shall not have any right or interest in such amounts.

Users agree that once they confirm a transaction on StockSaga, they shall be bound by and make payment for that transaction.

The User acknowledges that transactions on StockSaga may take up to 24 hours to be processed. Any amount paid or transferred into the User’s ‘Deposits’ Account or Earned Account may take up to 24 hours to reflect in the User’s ‘Deposits’ Account or Earned Account balance. Similarly, money debited from the User’s Cash Bonus Account, ‘Deposits’ Account or Earned Account may take up to 24 hours to reflect in the User’s ‘Deposits’ Account or Earned Account balance. Users agree not to raise any complaint or claim against StockSaga in respect of any delay, including any lost opportunity to join any Trades or round due to delay in crediting of transaction amount into any of the User’s accounts.

In any case of failure of the withdrawal amount transaction done using instant bank transfer mode from StockSaga, due to users' bank or the source bank, in that case, the user's amount will be added back to users' StockSaga wallet within 24 to 48 hrs. In any case if the withdrawal transaction done using instant bank transfer mode from StockSaga goes to pending mode due to users' bank or the source bank, we request the user to wait for T+2/3 working days for the bank to clear the transactions.

A transaction, once confirmed, is final and no cancellation is permissible. However, StockSaga may, at its sole and absolute discretion, permit a User to cancel a transaction and refund the amount paid: If the User sends a written request to StockSaga from the registered email Id to cancel such payment; or

If the payment is made for participation in the Real Market(s) of the Trade(s), the cancellation request must be received at least 2 days prior to the commencement of the round in respect of which the payment is made; StockSaga shall not be liable to refund any amount thereafter.

StockSaga may, at its sole and absolute discretion, refund the amount to the User after deducting applicable cancellation charges and taxes. At the time of the transaction, Users may also be required to take note of certain additional terms and conditions and such additional terms and conditions shall also govern the transaction. To the extent that the additional terms and conditions contain any clause that is conflicting with the present terms and conditions, the additional terms and conditions shall prevail.

StockSaga may obtain the score feed and other information required for the computation and tabulation of fantasy points from third-party service provider(s). In the rare event that any error in the computation or tabulation of fantasy points, selection of winners, etc., as a result of inaccuracies in or incompleteness of the feed provided by the third-party service provider comes to its attention, StockSaga shall use best efforts to rectify such error prior to the distribution of prizes. However, StockSaga hereby clarifies that it relies on the accuracy and completeness of such third-party score/statistic feeds and does not itself warrant or make any representations concerning the accuracy thereof and, in any event, shall take no responsibility for inaccuracies in computation and tabulation of fantasy points or the selection of winners as a result of any inaccurate or incomplete scores/statistics received from such third-party service provider. Users and Participants agree not to make any claim or raise any complaint against StockSaga in this respect.

SELECTION OF WINNERS

StockSaga shall not be liable to pay any prize if it is discovered that the Winner(s) have not abided by these Terms and Conditions, and other rules and regulations in relation to the use of the StockSaga, Trades, “Fantasy Rules”, etc.

CONTACTING WINNERS

Winners shall be contacted by StockSaga or the third-party conducting the Trades on the e-mail address provided at the time of registration. The verification process and the documents required for the collection of prizes shall be detailed to the Winners at this stage. As a general practice, winners will be required to provide following documents:

• Photocopy of the User’s PAN card;
• Photocopy of a government-issued residence proof;
• User’s bank account details i.e., account number, IFSC code, branch and proof of the same (canceled cheque/first page of bank passbook/statement).

StockSaga shall not permit a Winner to withdraw his/her prize(s)/accumulated Earned unless the above-mentioned documents have been received and verified within the time-period stipulated by StockSaga. The User represents and warrants that the documents provided in the course of the verification process are true copies of the original documents to which they relate.

Participants are required to provide proper and complete details at the time of registration. StockSaga shall not be responsible for communications errors, commissions or omissions including those of the Participants due to which the results may not be communicated to the Winner. The list of Winners shall be posted on a separate web-page on the StockSaga. The winners will not be informed by email.

In the event that a Participant has been declared a Winner on the above-mentioned web-page but has not received any communication from StockSaga, such Participant may contact StockSaga within the time specified on the webpage.

VERIFICATION PROCESS

Only those Winners who successfully complete the verification process and provide the required documents within the time limit specified by StockSaga shall be permitted to withdraw/receive their accumulated Earned (or any part thereof). StockSaga shall not entertain any claims or requests for extension of time for submission of documents. StockSaga shall scrutinize all documents submitted and may, at its sole and absolute discretion, disqualify any Winner from withdrawing his accumulated Earned (or any part thereof) on the following grounds:

>Determination by StockSaga that any document or information submitted by the Participant is incorrect, misleading, false, fabricated, incomplete or illegible.

or Participant does not fulfill the Eligibility Criteria specified in Clause 10 above;

or any other ground.

TAXES PAYABLE

All prizes shall be subject to deduction of tax (“TDS”) as per the Income Tax Act 1961. Winners will be provided TDS certificates in respect of such tax deductions. The Winners shall be responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money. Appropriate transaction charges may be levied on the withdrawal/deposit amount.

MISCELLANEOUS

The decision of StockSaga with respect to the awarding of prizes shall be final, binding and non-contestable. Participants playing the paid formats of the Trade(s) confirm that they are not residents of any of the following Indian states – Assam, Andhra Pradesh, Orissa, Telangana, Sikkim & Nagaland. If it is found that a Participant playing the paid formats of the Trade(s) is a resident of any of the above-mentioned states, StockSaga shall disqualify such Participant and forfeit any prize won by such Participant.

Further StockSaga may, at its sole and absolute discretion, suspend or terminate such Participant’s account with StockSaga. Any amount remaining unused in the User’s Game Account or Earned Account on the date of deactivation or deletion shall be reimbursed to the User by an online transfer to the User’s bank account on record with StockSaga, subject to the processing fee (if any) applicable on such transfers as set out herein.

If it is found that a Participant playing the paid formats of the Trade(s) is under the age of eighteen (18), StockSaga shall be entitled, at its sole and absolute discretion, to disqualify such Participant and forfeit his/her prize. Further, StockSaga may, at its sole and absolute discretion, suspend or terminate such Participant’s account.

To the extent permitted by law, StockSaga makes no representations or warranties as to the quality, suitability or merchantability of any prizes and shall not be liable in respect of the same.

StockSaga may, at its sole and absolute discretion, vary or modify the prizes being offered to winners. Participants shall not raise any claim against StockSaga or question its right to modify such prizes being offered, prior to closure of the Trades.

StockSaga will not bear any responsibility for the transportation or packaging of prizes to the respective winners. StockSaga shall not be held liable for any loss or damage caused to any prizes at the time of such transportation.

The Winners shall bear the shipping, courier or any other delivery cost in respect of the prizes.

All prizes are non-transferable and non-refundable. Prizes cannot be exchanged / redeemed for cash or kind unless StockSaga gives an option to redeem for cash. No cash claims can be made in lieu of prizes in kind.

Any query related to match; user need to contact helpdesk within the 7 days of match completion.

Any query related to Winning, Trade, Match joining or points, user needs to contact the helpdesk within the 7 days of match complete.

Acceptance of a prize by the Winner constitutes permission for StockSaga, and its affiliates to use the Winner's name, likeness, voice and comments for advertising and promotional purposes in any media worldwide for purposes of advertising and trade without any further permissions or consents and / or additional compensation whatsoever. The Winners further undertake that they will be available for promotional purposes as planned and desired by StockSaga without any charge. The exact dates remain the sole discretion of StockSaga. Promotional activities may include but not be limited to press events, internal meetings and ceremonies/functions.

If it comes to the notice of StockSaga that any governmental, statutory or regulatory compliances or approvals are required for conducting any Trade(s) or if it comes to the notice of StockSaga that conduct of any such Trade(s) is prohibited, then StockSaga shall withdraw and / or cancel such Trade(s) without prior notice to any Participants or winners of any Trade(s). Users agree not to make any claim in respect of such cancellation or withdrawal of the Trades, or pot it in any manner.

Employees, directors, affiliates, relatives and family members of StockSaga, will not be eligible to participate in any Trade(s).

The courts of competent jurisdiction at Mumbai shall have exclusive jurisdiction to determine any disputes arising out of, or in connection with, the StockSaga Services provided by StockSaga (including the Trade(s)), the construction, validity, interpretation and enforceability of these Terms and Conditions, or the rights and obligations of the User(s) (including Participants) or StockSaga, as well as the exclusive jurisdiction to grant interim or preliminary relief in case of any dispute referred to arbitration as given below. All such issues and questions shall be governed and construed in accordance with the laws of the Republic of India.

In the event of any legal dispute (which may be a legal issue or question) which may arise, the party raising the dispute shall provide a written notification (“Notification”) to the other party. On receipt of Notification, the parties shall first try to resolve the dispute through discussions. In the event that the parties are unable to resolve the dispute within thirty (30) days of receipt of Notification, the dispute shall be settled by arbitration.

The place of arbitration shall be Mumbai, India. All arbitration proceedings shall be conducted in English and in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time.

The arbitration award will be final and binding on the Parties, and each Party will bear its costs of arbitration and equally share the fees of the arbitrator unless the arbitral tribunal decides otherwise. The arbitrator shall be entitled to pass interim orders and awards, including the orders for specific performance and such orders would be enforceable in competent courts. The arbitrator shall give a reasoned award.

Nothing contained in these Terms and Conditions shall prevent StockSaga from seeking and obtaining interim or permanent equitable or injunctive relief, or any other relief available to safeguard StockSaga’s interest prior to, during or following the filing of arbitration proceedings or pending the execution of a decision or award in connection with any arbitration proceedings from any court having jurisdiction to grant the same. The pursuit of equitable or injunctive relief shall not constitute a waiver on the part of StockSaga to pursue any remedy for monetary damages through the arbitration described herein.

Users shall access the StockSaga Services provided on the StockSaga voluntarily and at their own risk. StockSaga shall, under no circumstances be held responsible or liable on account of any loss or damage sustained (including but not limited to any accident, injury, death, loss of property) by Users or any other person or entity during access to the StockSaga Services (including participation in the Trade(s)) or as a result of acceptance of any prize.

By entering the StockSaga and accessing the StockSaga Services provided therein, Users hereby release from and agree to indemnify StockSaga and/ or any of its directors, employees, partners, associates and licensor's, from and against all liability, cost, loss or expense arising out their access to the StockSaga Services including (but not limited to) personal injury and damage to property and whether direct, indirect, consequential, foreseeable, due to some negligent act or omission on their part, or otherwise.

StockSaga accepts no liability, whether jointly or severally, for any errors or omissions, whether on behalf of itself or third parties in relation to the prizes.

Users shall be solely responsible for any consequences which may arise due to their access to StockSaga Services by conducting an illegal act or due to non-conformity with these Terms and Conditions and other rules and regulations in relation to StockSaga Services, including provision of incorrect address or other personal details. Users also undertake to indemnify StockSaga and their respective officers, directors, employees and agents on the happening of such an event (including without limitation cost of attorney, legal charges etc.) on full indemnity basis for any loss/damage suffered by StockSaga on account of such act on the part of the Users.

Users shall indemnify, defend, and hold StockSaga harmless from any third party/entity/organization claims arising from or related to such User’s engagement with the StockSaga or participation in any Trades. In no event shall StockSaga be liable to any User for acts or omissions arising out of or related to User’s engagement with the StockSaga or his/her participation in any Trade(s).

In consideration of StockSaga allowing Users to access the StockSaga Services hosted on the StockSaga, to the maximum extent permitted by law, the Users waive and release every right or claim, all actions, causes of actions (present or future) each of them has or may have against StockSaga, its respective agents, directors, officers, business associates, group companies, sponsors, employees, or representatives for all and any injuries, accidents, or mishaps (whether known or unknown) or (whether anticipated or unanticipated) arising out of the provision of StockSaga Services or related to the Trades or the prizes of the Trades.

To the extent permitted under law, neither StockSaga nor its directors, officers, professional advisors, employees shall be responsible for the deletion, the failure to store, the mis-delivery, or the untimely delivery of any information or material.

To the extent permitted under law, StockSaga shall not be responsible for any harm resulting from downloading or accessing any information or material, the quality of servers, games, products, StockSaga Services or sites, cancellation of competition and prizes. StockSaga disclaims any responsibility for, and if a User pays for access to one of StockSaga Services the User will not be entitled to a refund as a result of, any inaccessibility that is caused by StockSaga’s maintenance on the servers or the technology that underlies our sites, failures of StockSaga Services providers (including telecommunications, hosting, and power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of nature, war, civil disturbance, or any other cause beyond our reasonable control. In addition, StockSaga does not provide any warranty as to the content on the StockSaga(s). StockSaga(s) content is distributed on an “as is, as available” basis. Any material accessed, downloaded or otherwise obtained through StockSaga is done at the User’s discretion, competence, acceptance and risk, and the User will be solely responsible for any potential damage to User’s computer system or loss of data that results from a user’s download of any such material.

StockSaga shall make best endeavors to ensure that the StockSaga(s) is error-free and secure, however, neither StockSaga nor any of its partners, licensor's or associates makes any warranty that:

• The StockSaga(s) will meet Users' requirements,
• StockSaga(s) will be uninterrupted, timely, secure, or error free
• The results that may be obtained from the use of StockSaga(s) will be accurate or reliable; and
• The quality of any products, StockSaga Services, information, or other material that Users purchase or obtain through StockSaga.com(s) will meet Users' expectations.
• In case StockSaga discovers any error, including any error in the determination of Winners or in the transfer of amounts to a User's account, StockSaga reserves the right (exercisable at its discretion) to rectify the error in such manner as it deems fit, including through a set-off of the erroneous payment from amounts due to the User or deduction from the User's account of the amount of erroneous payment. In case of exercise of remedies in accordance with this clause, StockSaga agrees to notify the User of the error and of the exercise of the remedy(ies) to rectify the same.
• To the extent permitted under law, neither StockSaga nor its partners, licensors or associates shall be liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use our sites, even if we have been advised of the possibility of such damages.
• To the extent permitted under law, neither StockSaga nor its Any StockSaga Services, events or Trade(s) being hosted or provided, or intended to be hosted or provided by StockSaga and requiring specific permission or authority from any statutory authority or any state or the central government, or the board of directors shall be deemed canceled or terminated, if such permission or authority is either not obtained or denied either before or after the availability of the relevant StockSaga Services, events or Trade(s) are hosted or provided.
• To the extent permitted under law, in the event of suspension or closure of any Services, events or Contests, Users (including Participants) shall not be entitled to make any demands, claims, on any nature whatsoever.

StockSaga may be required under certain legislations, to notify User(s) of certain events. User(s) hereby acknowledge and consent that such notices will be effective upon StockSaga posting them on the StockSaga or delivering them to the User through the email address provided by the User at the time of registration. User(s) may update their email address by logging into their account on the StockSaga. If they do not provide StockSaga with accurate information, StockSaga cannot be held liable for failure to notify the User.

StockSaga shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to any failure to perform due to unforeseen circumstances or cause beyond StockSaga’s control such as acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor or materials or any cancellation of any cricket match to which a Trades relates. In such circumstances, StockSaga shall also be entitled to cancel any related Trade(s) and to process an appropriate refund for all Participants.

StockSaga’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. Users agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the StockSaga or these Terms must be filed within thirty (30) days of such claim or cause of action arising or be forever barred.

These Terms and Conditions, including all terms, conditions, and policies that are incorporated herein by reference, constitute the entire agreement between the User(s) and StockSaga Services and govern your use of the StockSaga, superseding any prior agreements that any User may have with StockSaga Media Private Limited.

If any part of these Terms and Conditions is determined to be indefinite, invalid, or otherwise unenforceable, the rest of these Terms and Conditions shall continue in full force. StockSaga reserves the right to moderate, restrict or ban the use of the StockSaga, specifically to any User, or generally, in accordance with StockSaga’s policy/policies from time to time, at its sole and absolute discretion and without any notice.

If the match(T20/ODI/Test) is reduced to limited overs and the result is declared using any of the conventional methods (D/L method or any other method) then the points are awarded to the players according to the portals points system based on the performances in those limited overs which are played and the match would be marked completed. Only in case if the result is not declared then and only then the match would be canceled on the portal and users will be provided with the refund of the entry fee. The refund amount will be added to the bonus section of the users StockSaga wallet.

These standard terms and conditions of promotions (“Standard Terms”) supplement the terms of promotions undertaken on the StockSaga website and which reference these Standard Terms (each a “Promotion”) :

• Participation in any Promotion will be subject to a user complying with the Promotion Terms implemented by StockSaga in respect of such Promotion (“Promotion Terms'') and these Standard Terms. By participating in any Promotion, the participant further consents to and agrees to adhere with the terms and conditions of the StockSaga game and StockSaga’s privacy policy.
• The Promotions are only open to users in India. Participation in the Promotions by proxy is not permitted.
• Participation in the Promotions is voluntary.
• Participation in one Promotion does not guarantee that such a user will be eligible to participate in another Promotion.
• A user may participate in a Promotion and avail of each Promotion only through one account. An existing user of StockSaga shall not register a new account or operate more than one user account with StockSaga or participate in a Promotion by registering a new account.
• Users intending to participate in a Promotion may be required to verify their mobile number and other account details in accordance with the Promotion Terms for such Promotion.
• Persons intending to participate in a Promotion, who have listed their phone numbers on the National Do Not Call Registry (“NDNC Registry”), shall de-register themselves from the NDNC Registry till the completion of such Promotion [including the delivery of Bonus Amount (if any) or the free-entry (if any) under such Promotion]. Such persons agree not to make any claim or raise any complaint whatsoever against StockSaga in this respect. Please note that persons intending to participate in a Promotion who have not de-registered themselves from the NDNC Registry shall also have no right to make any claim or raise any complaints against StockSaga if they do or do not receive any call or SMS concerning their participation and all other matters about a Promotion.
• The verification process may require you to submit personal information about yourself. You agree to receive communication from StockSaga. Any information collected in respect of your identity and contact details as part of a Promotion or otherwise in the course of your use of the StockSaga Website shall be subject to StockSaga’s Privacy Policy.
• StockSaga has its sole and absolute discretion, disqualifies any user from a Promotion if such user engages in or it is found that such user has engaged in any illegal, unlawful or improper conduct (with regard to any of the Promotions or otherwise).
• The Bonus Amount (if any) deposited into the user’s account can be used to join a cash contest on StockSaga. However, the Bonus Amount (if any) cannot be withdrawn or transferred to any other cash balance account held by you with StockSaga or to any third-party account or to any bank/payment instrument account. THE BONUS AMOUNT (IF ANY) SHALL EXPIRE AND BE WITHOUT EFFECT AT THE END OF THIRTY DAYS FROM THE DATE OF CREDIT OF THE BONUS AMOUNT (IF ANY).
• The deposit of the Bonus Amount (if applicable) or the grant of the free-entry (if any) shall be at the sole discretion of StockSaga and shall be subject to the user’s compliance with these Standard Terms and the applicable Promotion Terms. StockSaga may substitute or change the Bonus Amount (if any) or free-entry (if any) offered under a Promotion at any time without notice. Users may not substitute Bonus Amount (if any) or free-entry (if any) for other items or exchange for cash.
• StockSaga reserves the right to withhold or forfeit the benefits of a Promotion (including a free-entry or Bonus Amount due to a participant or any prizes/winnings earned by the participant by using such benefits) if it determines or reasonably believes that the participating user has violated these Standard Terms, the applicable Promotion Terms or the terms and conditions of the StockSaga fantasy game(s).
• Mere participation in a Promotion does not entitle the participant to receive any free-entry or Bonus Amount(s) indicated as a prize under such Promotion.
• Each Promotion cannot be clubbed with any of the other contests/offer/promotion that are running simultaneously and organized or conducted by StockSaga.
• StockSaga reserves the right to change/modify/or withdraw any of the Promotions and/or change these Standard Terms and/or the Promotion Terms without any prior notice of the same at its sole discretion.
• StockSaga does not make any commitment, express or implied, to respond to any feedback, suggestion and, or, queries of the participants of the Promotions.
• The Promotions shall be governed by the laws of the Republic of India, and any disputes or disagreements in respect of this Promotion shall be subject to the exclusive jurisdiction of the courts of Mumbai.

This “Cashback Promotion” (“Promotion"), is open for participation to existing users of StockSaga who have not previously participated in a pay-to-play contest on StockSaga. Users are required to make a deposit and participate in their first pay-to-play cricket contest on StockSaga through the ‘Pro’ version of StockSaga’s mobile application for iOS OR/or Android mobile devices, (collectively, the “Designated Platforms”), to be eligible to receive a Bonus Amount credited into their Cash Bonus Account, subject to these Terms.

• Please note our terms and conditions (“Terms”) in this respect, as they govern your participation in the Promotion:
• Eligibility – Participation in the Promotion is only available to existing users of StockSaga who are eligible to participate in the pay-to play StockSaga fantasy games (as per StockSaga’s terms and condition (accessible here) but who have not previously participated in a pay-to-play cricket contest on StockSaga. An ‘existing user’ of StockSaga shall mean a user who presently operates an account with StockSaga or operated an account with StockSaga at any point of time.
• By participating in the Promotion, you agree to comply with these Terms, the Standard Terms and Conditions for Promotions and the terms and conditions of the StockSaga game (accessible here).
• The Promotion will be open for participation for such time periods as may be published from time to time on the Designated Platforms (each a “Promotion Period”).
• To participate in the Promotion, you must, during a Promotion Period and before the expiry of a Promotion Period participate in the First Game (defined below) before the expiry of the applicable Promotion Period. The Promotion is available only in respect of the first pay-to-play StockSaga fantasy cricket contest that the participating user participates in through the Designated Platforms after the registration of such user’s account with StockSaga (“First Game”). Upon joining the First Game, you will receive an email on your email address as registered with your StockSaga account, which will summarize the terms and mechanics of the Promotion.
• It is clarified that a participating user shall not be eligible to receive any Bonus Amount:
  • if such user registers or creates an account with StockSaga through Platforms other than the Designated Platforms;
  • for any non-cricket pay-to-play StockSaga contest in which such user participates; or
  • For any pay-to-play StockSaga contest in which such user participates through platforms other than the Designated Platforms; or
  • For any pay-to-play StockSaga contest in which such user participates after the First Game or before or after the applicable Promotion Period; or
  • For any private pay-to-play StockSaga contest in which such user participates; or
  • For any pay-to-play StockSaga contest in which such user participates and which remains unfilled before the commencement of the match to which it relates; or
  • for any pay-to-play StockSaga contest in which such user participates and which is canceled by StockSaga due to the match to which it relates being abandoned.
• No person shall seek participation in the Promotion as a matter of right.

The indication of playing 11 players for any match is data received from a third party. In case if the displayed players do not play the corresponding match, then StockSaga does not hold any responsibility for the same.

Points calculation for the 1st & 2nd innings will be done similarly to that of the normal matches. Only events occurring in the 1st & 2nd innings (innings- both sides batting & bowling only once) will be considered for awarding points to the players. Common points such as winning bonus will not be awarded for 1st & 2nd innings. Only events recorded in 1st & 2nd innings will be considered. This point is only applicable for a Test match.

Points calculation for the 2nd Innings match will be done the same as that of the normal matches. Only events occurring in the 2nd innings will be considered for awarding points to the players. Common points such as the Winning bonus, In Playing XI, etc will be awarded as usual.

Clean bowling, not-out, etc for the 1st innings will not be awarded. Only events recorded in the 2nd half will be considered.

Payment Terms Quiz

- Your prize in the form of StockSaga cash in any Quiz Trade will reflect as credits to your winnings account. It is clarified that in no instance will StockSaga permit the transfer of any amounts from your winning’s accounts to any other user’s winnings to account or any third-party account, including a bank account held by a third party. You agree that once you confirm a transaction on StockSaga, you shall be bound by and make payment for that transaction.

- You agree that once you confirm a transaction on StockSaga, you shall be bound by and make payment for that transaction.

- You acknowledge that transactions on StockSaga may take up to 24 hours to be processed. Any amount paid may take up to 24 hours to reflect in your virtual currency earned. You agree not to raise any complaint or claim against StockSaga in respect of any delay, including any lost opportunity to join any Quiz Trade/Match due to delay in crediting of transaction amount into the StockSaga balance.

Trade Cancellations and Losses Quiz

StockSaga may cancel a quiz trade due to an insufficient number of participants in a trade. You agree that in no case will you claim to receive the refund in any other form (including transfer through a payment settlement system). Further, StockSaga shall not be responsible or liable in any manner, if you do not win in a quiz trade. You agree to not make any claim to receive a refund (in the form of credits or any other form) if you do not win a pot.

Withdrawal of Winnings Quiz

You can transfer any portion of your winnings to your Bank if your winnings are beyond a specific threshold. The threshold shall be mentioned on the StockSaga site/Application. Once you raise a request to withdraw a portion of your winnings, StockSaga shall initiate such a request within up to 120 hours* to the payment settlement system that you seek to use to transfer the amount to the platform/mode used by the payment settlement system. You agree to not hold the StockSaga responsible or liable for any delay or failure in transferring the requested amount to your desired payment settlement system’s platform/mode used.

Disconnection/Mobile usage Policy Quiz

- StockSaga shall not be liable for any network outage or any problems/interruptions with network connectivity as the same is beyond StockSaga’s control.

- StockSaga shall not be responsible and/or liable for any interruption in a StockSaga game and/or pot caused at the user’s end due to an incoming call, message, chat, video call or any other interruption on the mobile phone device. In case of any interruption specified above in a - StockSaga game on the user’s mobile phone device, the game and/or pot shall still continue and the user shall assume complete responsibility for such interruptions in between the games.

Disconnection/Mobile usage Policy Quiz

If a user exits from the finding player screen, in that scenario the user will not get any refund of the entry amount. If the user exits from the in-game screen (q&a screen) willingly/mistakenly no compensation/refund for the entry amount will be given. In both cases, StockSaga should not be considered liable for the losses that occurred due to the user's device failure and/or user's decisions. StockSaga will not entertain any refund queries for the same. Once the user has joined a pot in any case the user will not be given any refund for the entry-amount if the user exits or closes the app.

• StockSaga lite is a version of StockSaga application which is available on google play store which contains Daily Fantasy Games and Rummy Game.
• In StockSaga Lite, residents of either Assam, Andhra Pradesh, Orissa, Telangana, Sikkim & Nagaland such participants will not be permitted to proceed to join for any round in the paid version of the Trades.
• It is mandatory to provide location access in order to start playing on StockSaga Lite.
• StockSaga Lite consists of 2 types of KYC verifications namely KYC 1 and KYC 2.

  (a) KYC 1: KYC 1 is particularly used to verify that the users are of legal age and are not playing from a restricted state. User is supposed to submit either his/her Aadhar card, voter’s id or driving license to complete verification. Users won’t be allowed to play paid games before completing KYC 1 verification.

  (b) KYC 2: In KYC 2 verification users’ are supposed to submit their Pan Card and Bank account details after which they can proceed for withdrawals. Users won’t be allowed to withdraw their winnings before completing the KYC 2 verification.

• Please note our terms and conditions (“Terms”) in this respect, as they govern your participation in the Promotion.