Terms and Conditions for the Har Din Diwali Program

1. Introduction

1. 1. These terms and conditions (“HDD Terms”) govern your (“User”, “your”, or “you”) participation in the Har Din Diwali Program (“Program”) offered by Moneyview Limited (formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited (“Moneyview”, “we”, “us”, or “our”). The HDD Terms contemplate Program-specific rewards and is subject to our Terms & Conditions (“TCs”) (available here) and Terms and Conditions for the Reward Program (“Rewards Program”) (available here) (hereinafter collectively referred to as “Terms”). These HDD Terms shall be read harmoniously and in conjunction with the Terms. All capitalised terms used but not defined herein shall have the meaning ascribed to them under the Terms.

1. 2. By participating in the Program, you agree to adhere to these HDD Terms, Terms, and our Privacy Policy (available here), and any other applicable policies as may be communicated by us from time to time.

2. Program

1. 1. Users can access the Program on our App.

1. 2. This Program will commence on October 10, 2025, and shall be live until October 20, 2025 (both dates inclusive) and may be extended by the Company, at its sole discretion (“Program Period”). Any changes to the Program Period shall be specified in the App, where all details associated with our Reward Programs are placed.

1. 3. During the Program Period, the Company shall make available the tasks and applicable terms and conditions associated with such tasks, on the App, on a per day basis, which the Users may complete to win rewards associated with such tasks (“Tasks”). The aforementioned details are more fully set out in Annexure A of these HDD Terms. You acknowledge that the Company may make modifications to the Tasks and the rewards associated with such Tasks in its sole discretion. Any such modifications shall be made available on the App. 

1. 4. For each Task that a User successfully completes during the Program Period (“Eligible User”), the User shall also be eligible to win either (a) INR 1,001 (Indian National Rupee One Thousand and One) in the form of digital gold (“Shagun Prize”) or INR 40,000 (Indian National Rupee Forty Thousand) in the form of digital gold (“Dhamaka Prize”). The determination of whether a User has successfully completed a Task, will be made by the Company in its sole discretion.

1. 5. Company shall select, in its sole discretion, the winners for the Shagun Prize and the Dhamaka Prize for each day of the Program Period. For each day of the Program Period, the Company shall be entitled to select (a) 60 (sixty) Eligible Users as winners for the Shagun Prize; and (b) 01 (one) Eligible User as winner of the Dhamaka Prize. 

1. 6. Eligible Users may either be awarded the Shagun Prize or the Dhamaka Prize, only once during the Program Period. It is hereby clarified that an Eligible User who has won a Shagun Prize shall not be eligible win another Shagun Prize or the Dhamaka Prize, during the Program Period. Similarly, a winner of the Dhamaka Prize shall not be eligible to win another Dhamaka Prize or a Shagun Prize during the Program Period.

3. Eligibility

1. 1. In addition to the eligibility requirements under our Terms, the Program is available only to Users who are Indian residents and are at least 18 years of age.

1. 2. You understand and accept that not all products, services, and rewards offered on the App are available in all geographic areas and you may not be eligible for all the products, services, and rewards offered by us on the App. We reserve the right to determine the availability and eligibility of any product, services and rewards offered on the App by us. You further agree to not participate in the Program, to the extent that you are prohibited to do so under applicable law.

4. General Terms 

1. 1. Moneyview reserves the right to modify or withdraw the Program at any time without prior notice. 

1. 2. This Program cannot be combined with any other promotion or discount unless explicitly stated otherwise.

1. 3. Any attempt to participate in the Program through fraud, misuse, or violation of these HDD Terms, the Terms or applicable laws will result in disqualification from the Program. Moneyview reserves the right to investigate and take appropriate action against any User suspected of engaging in fraudulent activities.

1. 4. You release Moneyview and its affiliates from all liability for your participation in this Program. Separately, you release Moneyview and its affiliates from liability with respect to third party claims in relation to this Program.

1. 5. Moneyview makes no warranties, express or implied regarding the Program or the rewards offered thereunder.

5. Taxes

1. 1. You are solely responsible for any tax obligations that may arise from your participation in the Program and the receipt of any cashbacks.

1. 2. You hereby agree to indemnify and hold harmless Moneyview and its affiliates from all losses, claims and liabilities resulting from or relating to any tax obligations (including any interest and penalties) that may arise from your participation in the Program and receipt of any cashbacks.

6. Disputes 

1. 1. In the event of any disputes regarding the Program, Moneyview’s decision shall be final and binding. The provision on ‘Governing Law and Arbitration’ in the Terms shall apply mutatis mutandis to these HDD Terms. 

7. Privacy and Data Usage 

1. 1. All personal data collected in connection with the Program will be handled in accordance with our Privacy Policy. By participating in the Program, Users consent to the collection, use, processing and sharing of their data as described in the Privacy Policy.

8. Contact Information 

1. 1. For any queries or assistance regarding the Program, you may contact Moneyview customer support at care@moneyview.in.

Annexure A

Tasks – Reward Structure and Specific Terms & Conditions