Ticket Terms & Conditions

THIS DOCUMENT IS AN ELECTRONIC RECORD IN TERMS OF THE INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER. THIS ELECTRONIC RECORD IS GENERATED BY A COMPUTER SYSTEM AND DOES NOT REQUIRE ANY PHYSICAL OR DIGITAL SIGNATURES.  

THIS DOCUMENT IS PUBLISHED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 (1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARY GUIDELINES AND DIGITAL MEDIA ETHICS CODE) RULES, 2021 THAT REQUIRES PUBLISHING THE RULES AND REGULATIONS, PRIVACY POLICY AND TERMS OF USE FOR ACCESS OR USAGE OF THIS WEBSITE.

Welcome to https://bharatfintechsummit.com/ (the “Website”), owned by TDFS3 Digitalfifth Private Limited, a company incorporated under the Companies Act, 2013 (bearing company identification number U74140MH2021PTC369610) and having its registered office at Flat No. 5C/404, Floor No. 4, Green Meadows, Akurli Road, Kandivali East, Mumbai — 400101 (hereinafter referred to as the “Company” or “We” or “Us” (and derivates)). The Company is a digital and fintech consulting firm for banks, NBFCs and other financial institutions, engaged in the business of providing consultancy services, training services and recruitment services in the BFSI industry.

The Company reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time and will notify you whenever there is a change in the Terms of Use by posting a conspicuous notice on the Website (“Terms”). Your continued use of the Website following the incorporation of such changes shall be deemed to mean that you accept and agree to the revisions. As long as you comply with these Terms, the Company grants you a personal, non-exclusive, non-transferable, limited privilege to access and use the Website.

You should read these Terms and access and read all further linked information, if any, referred to in these Terms, as such information contains further terms and conditions that apply to you as a user of the Website. Such linked information including but not limited to the terms and conditions for award nomination (“Nomination Terms”), and the Company’s privacy policy (“Privacy Policy”) is hereby incorporated by reference into these Terms.

TERMS OF USE

For the purpose of these Terms, wherever the context so requires, the term:

• “Participant” shall mean any individual, firm, company, partnership, society, or other legal entity who, for any purpose, visits the Website for their internal use (business or personal) and/or uses the Website in accordance with the terms contained herein.

• “Summit” shall mean the Bharat Fintech Summit’ 25 to be conducted on Feb, 2026. 

• “Force Majeure Event” shall mean any event that is beyond the reasonable control of the Company and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes, lockouts or industrial action of any kind, riots, insurrection, war, acts of government, foreign or governmental order including orders of lock-down, quarantine, an outbreak of an epidemic, pandemic or other communicable diseases, computer hacking, civil disturbances, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, and any other similar events not within the control of the Company and which the Company is not able to overcome.

AVAILABILITY AND ELIGIBILITY

Use of the Website is available only to natural persons who can enter into legally binding contracts under the applicable law. Persons who are “incompetent to contract” including minors, un-discharged insolvents and persons of unsound mind are not eligible to use the Website. Any person under the age of 18 shall not use the Website and shall not transact on the Website. If a minor wishes to use or transact on the Website, such use or transaction may be made by the minor’s legal guardian or parents on the Website. The Company reserves the right to refuse such person access to the Website if it is brought to the notice of the Company or if the Company discovers for itself that such person is not eligible to use the Website.

ACCEPTANCE OF TERMS

1. The Participant is required to carefully read these Terms, as it contains the terms and conditions governing the Participant’s use of the Website and any content such as text, data, information, software, graphics, audio, video, or photographs etc. that the Company may make available through the Website. By further accessing or using the Website, the Participant is agreeing to these Terms and entering into a legally binding contract with the Company. The Participant may not use the Website if the Participant does not accept the Terms or is unable to be bound by these Terms.

• In order to use the Website, the Participant must first agree to these Terms. The Participant can accept these Terms by:

• Actual usage of the Website. In this case, the Participant understands and agrees that the Company will treat the Participant’s use of the Website as acceptance of these Terms from that point onwards; or

• Registering with the Company via. the Website as a sponsor, exhibitor, speaker, delegate, visitor or media partner for the Summit; or

• Purchasing passes for the Summit for oneself or others; or

• By submitting a nomination. It is hereby clarified that in the event of a nomination, the Participant submitting a nomination and the nominee will be subject to additional terms and conditions for award nomination as specified on the Website (“Nomination Terms”).

• By clicking to accept these Terms, if and when prompted on the Website.

• While using the Website, the Participant shall not:

• Use the Website for anyone other than the Participant, unless such person’s prior permission has been obtained; or

• use the Website in the name of another person with the intent to impersonate that person.

GENERAL OBLIGATIONS AND CONDITIONS

• The Company cannot and will not be liable for any loss or damage arising from the Participant’s failure to comply with the Terms.

• The Participant hereby confirms and undertakes that the information provided by the Participant while using the Website is and will be true, accurate, up-to-date, and complete at all times.

• The Company reserves the right to take any and all action, as it deems necessary or reasonable, regarding the security of the Website.

• The Participant is solely responsible for all activities that the Participant undertakes on the Website and hereby undertakes that no such activity shall be unlawful or in violation of any applicable laws, rules, and regulations of India.

• In no event and under no circumstances shall the Company be held liable for any liabilities or damages resulting from or arising out of the Participant’s use of the Website.

• The Participant agrees, acknowledges, and undertakes that:

• the Company shall have the right to use the name and/or trademark/logo of the nominated Participants in any sales or marketing materials, communication, or advertisement in furtherance to the provision of the Services (defined below), and the Participants accordingly grant the Company a royalty-free, fully paid-up, worldwide, and non-exclusive license to use the same for the purposes identified hereinbelow.

• filming and photography may take place during the Summit by the Company, or any person authorized by the Company and the Participant waives any objection to the same. The Participant further irrevocably consents to the use of such photographed material by the Company, at the Company’s sole discretion. However, the Company reserves the right to restrict the use of photography and/or recording by the Participant during the Summit.

• the venue, timings, speakers, cost of passes and schedule of the program of the Summit is subject to reasonable changes, at the sole discretion of the Company.

• the duty to take care of any of the Participant’s personal belongings solely rests with the Participant and the Company shall in no way be held liable for any loss or theft thereof, during the Summit.

• the Participant shall not carry any weapons, inflammable objects, explosives, firearms, alcohol or allied substances, drugs or narcotic substances, tobacco, or tobacco-related products, recreational or medical marijuana, bongs and rolling papers, object with sharp points or edges, chemicals, or other harmful substances, to the venue of the Summit.

• the Participant shall behave in a dignified and socially acceptable manner and shall not perform, entice, or abet any behaviour that amounts to harassment of any other Participant or disrupts the normal and peaceful course of the Summit.

SERVICES

• The Participant will need to comply with these Terms (as applicable) in order to be able to use and access the Website, which includes registering for being a sponsor, exhibitor, media partner, delegate, visitor or speaker at the Summit or nominating any person or entity for any category of awards listed on the Website and such other services as may be made available on the Website from time to time by the Company (“Services”). 

• It is agreed and understood that the role of the Company is merely that of an organizer of the Summit and therefore the Company is not and will not be responsible for any claim or for any damages suffered that are related, directly or indirectly, to or arising out of the use of the Website.

• The provision of Services on the Website may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. The Company strives to keep the Website up and running; however, all online services suffer occasional disruptions and outages, and the Company isn’t liable for any disruption or loss the Participant may suffer as a result.

• The Company may discontinue some or all of the Services provided on the Website, as it may deem fit, including certain features and the support for certain devices and platforms, at any time.

PURCHASE OF PASSES

• A Participant may procure a pass in the following manner:

• By directly purchasing it on the Website; or

• By submitting a nomination for awards categories which provide  a complimentary pass (read “Nomination Terms” for details.)

• In the event of submission of a nomination by a Participant on the Website for categories “Excellence in Fintech”, “Financial Institution”, “Investor”, “Fintechs” and “International”, the Participant shall be entitled to receive 1 (One) complimentary gold pass per nomination. Upon submitting such a nomination, the Participant shall receive a confirmation email from the Company, which shall contain the complimentary pass. In the event of submission of a nomination by a Participant on the Website for category “Thought Leaders”, the Participant shall not receive any complimentary gold passes, unless the nomination is selected. The Participant shall be informed regarding their selection by 31st January, 2026.

• In the event of direct purchase on the Website by a Participant, the Participant shall receive a confirmation mail and the pass on the registered email ID. If a Participant does not receive an email confirmation, within 24 (Twenty-Four) hours after paying the necessary fee or experiences an error message or service interruption after paying the necessary fee, he/she must instantly contact the Company and notify of the same.

• A Participant shall be permitted to enter the premises of the venue only on production of a valid pass, whether in print or digital form, at the time of entry. The Company is entitled to frisk and restrict the entry of any Participant in the venue, in event of failure by a Participant to produce the relevant copy of the pass. 1 (One) pass is valid for entry of only 1 (One) Participant.

• The pass when purchased by an individual shall be used by a Participant for its personal use only and when purchased by any entity, by any individual from the registered entity, authorized to use the pass.

• It is being expressly clarified that each pass is unique to a Participant, and cannot be resold, modified, exchanged, refunded, cancelled, or transferred to any other person/entity.

• In the event of breach of Terms by any Participant or tampering of pass by the Participant, the Company reserves the right to cancel all relevant passes and restrict the entry of the Participant.

PAYMENT FACILITY

• The Website permits payment via various modes, including virtual payment wallets and online payments through debit/credit cards and internet banking or any other method adopted by the Company from time to time.

• While availing any of the payment method/s available on the Website, the Company will not be responsible for or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to the Participant due to:

• Lack of authorization for any transaction(s);

• Exceeding the pre-set limit mutually agreed by the Participant and between bank/s;

• Any payment issues arising out of the transaction; or

• Rejection of transaction for any other reason(s) whatsoever.

• The Participant acknowledges that the Company will not be liable for any damages, interests or claims, losses resulting from or suffered on account of not processing a transaction/ transaction amount or any delay in processing a transaction/ transaction amount which is beyond the control of the Company.

REFUND IN CASE OF CANCELLATION OF SUMMIT

• If the Summit is cancelled due to a Force Majeure Event or due to any other reason directly attributable to the Company, the Company shall deduct the service fee (2.5% of the purchase price of the pass) charged at the time of purchasing the pass and refund the rest of the payment amount for the pass to the Participant. The Company reserves the right to honour such refunds in a manner it deems fit.

• Subject to these Terms, the transaction amount will be refunded to the Participant’s bank account or the virtual payment wallets, as may be applicable. Refund will be done within 60 (Sixty) days from the date of cancellation or intimation of such cancellation, and within a maximum of 90 (Ninety) days of the date of cancellation or intimidation of such cancellation, whichever is later.

USE OF THE WEBSITE

• The Participant agrees, undertakes, and covenants that, during the use of the Website and the duration of the Summit, the Participant shall not host, display, upload, modify, publish, transmit, store, update or share any information that:

• belongs to another person or entity and to which the Participant does not have any right;

• is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, sexually-explicit (including nudity, implied nudity, excessive visible skin or cleavage, even if not explicitly sexual in nature, and any images focused on individual body parts, even if not explicitly sexual in nature), paedophilic, libellous, invasive of another person’s privacy, insulting or harassing on the basis of gender, hateful or racially or ethnically objectionable, sensational, gory, depicting violence or threats of violence, relating or encouraging money laundering or gambling, or otherwise inconsistent or contrary to the laws in force in any manner whatsoever;

• could be construed as divisive/stereotyping and should be avoided if it could be interpreted as ‘hateful’ (Gender exclusive content is excluded from this, provided it is positive);

• is harmful to children;

• is misleading in any way;

• involves the transmission of “junk mail”, “chain letters”, or unsolicited mass mailing or “spamming”;

• infringes upon or violates any third party’s rights including, but not limited to, any patent, trademark, copyright or other proprietary rights or intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person’s name, e-mail address, physical address or phone number) or rights of publicity;

• contains assertions or implications about a person’s race, ethnic origin, religion, beliefs, age, sexual orientation or practices, gender identity, disability, medical condition (including physical or mental health), financial status. However, pro-equality content, particularly for gender and sexuality shall be permissible;

• impersonates another person or provides instructional information about illegal activities such as violating someone’s privacy, or providing or creating computer viruses;

• provides information about any products, services, or content that are inappropriate, illegal, or unsafe, or that exploit, mislead, or exert undue pressure on the age groups targeted. This could include promotion of tobacco or tobacco-related products, recreational or medical marijuana, bongs and rolling papers;

• tries to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles, blogs, communities, account information, bulletins, or other areas of the Website or solicits passwords or personally identifying information for commercial or unlawful purposes from other users of the Website;

• engages in commercial activities without the Company’s prior written consent such as engages in contests, sweepstakes, barter, advertising etc.;

• exploits controversial political or social issues for commercial purposes;

• interferes with another user’s use of the Website;

• refers to any website or URL that, in the Company’s sole discretion, contains material that is inappropriate for the Website or any other website, contains content that would be prohibited or violates the letter or spirit of these Terms;

• deceives or misleads the addressee/ users about the origin of the messages or knowingly and intentionally communicates any information which is patently false or misleading or grossly offensive or menacing in nature but may reasonably be perceived as a fact;

• serves to communicate fake, inaccurate or misleading information including fake inaccurate or misleading news or facts;

• contains software viruses or any other computer codes, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;

• threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting other nation;

• is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person;

• contains any trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, diminish value of, covertly intercept or steal any system, data, or personal information; or

• violates any law for the time being in force.

• The Participant agrees and acknowledges that (a) the Participant shall not use the Website for any illegal or unauthorized purpose; and (b) the Participant’s use of any information or materials on the Website is entirely at the Participant’s own risk, for which the Company shall not be liable.

• The Participant agrees to comply with all laws, rules, and regulations applicable to the use of the Website. The Participant further agrees and acknowledges that the Participant shall use the Website for the Participant’s personal or business use only and not for any commercial exploitation. 

• The Company shall have the right, but not the obligation, to monitor access to or use of the Website to ensure the Participant’s compliance with these Terms, Nomination Terms or applicable laws or other legal requirements, at its sole discretion.

AGREEMENT TO RECEIVE COMMUNICATION

The Participant hereby by way of accepting these Terms consents to the receipt of communication from the Company by way of Short Message Service (SMS) messages or e-mails. These emails could relate to the Participant’s registration and/or transactions that the Participant carries out through the Website and promotions that are undertaken by the Company, Services from the Company, and its third-party partners.

LINKS TO THIRD PARTY WEBSITES

The Website may contain links and interactive functionality interacting with the websites of third parties. The Company is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such website. Before enabling any sharing functions to communicate with any such website or otherwise visiting any such website, the Company strongly recommends that the Participant reviews and understands the terms and conditions, privacy policies, settings, and information-sharing functions of each such third-party website.

Representations

The Participant hereby represents and warrants that the Participant has validly entered into these Terms and has the legal power to do so. The Participant further represents and warrants that the Participant shall be solely responsible for the due compliance with these Terms.

LIMITATION OF LIABILITY

• The Participant hereby acknowledges that the Company shall not be held liable to the Participant for any special, consequential, incidental, and exemplary or punitive damages, or loss of profit or revenues.

• The Company shall also not be liable under any circumstance for damages arising out or related in any way to (a) any errors, mistakes, or inaccuracies of content; (b) any unauthorized access to or use of the secure servers and/or any and all personal and/or other user information stored therein; (c) any interruption or cessation of transmission to or from the Services on the Website or the failure of the Services to remain operational for any period of time; (d) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the Website by any third party; (e) any loss of the Participant’s data arising from any use of or inability to use any parts of the Website; and/or (f) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via. the Website, whether based on warranty, contract, tort, or any other legal theory, and whether or not the Company is advised of the possibility of such damages.  

• The Company shall not be liable under any circumstances for damages arising out of or in any way related to Services and/or information offered or provided by third-parties, through the Website.

DISCLAIMER OF WARRANTIES

1. THE WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO THE PARTICIPANT THROUGH THE WEBSITE (COLLECTIVELY, THE “CONTENTS”) ARE PROVIDED BY THE COMPANY ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE, THE ACCURACY OR COMPLETENESS OF THE CONTENTS AND THE ACCURACY OF THE INFORMATION. THE COMPANY SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO THE PARTICIPANT’S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, DOCUMENT, OR INFORMATION. THE PARTICIPANT EXPRESSLY AGREES THAT THE USE OF THE WEBSITE IS AT THE PARTICIPANT’S SOLE RISK. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE WEBSITE OR THE CONTENTS INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING. TO THE FULL EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE WEBSITE AND ITS CONTENTS, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE OR USE. 

INDEMNIFICATION

The Participant shall indemnify and hold harmless the Company, affiliates, subsidiaries  (as applicable) and their respective officers, directors, agents and employees, from any and all claims or demands, or actions including reasonable attorneys’ fees, made by any third party or penalty imposed due to or arising out of the Participant’s breach of these Terms, Privacy Policy and other policies, or the Participant’s violation of any law, rules or regulations or the rights (including infringement of any intellectual property rights) of a third party.

CONTENT AND INTELLECTUAL PROPERTY RIGHTS

• Other than (a) information provided by the Participant, and (b) the trademarks, logos and service marks displayed on the Website that are the property of the Participants or other third parties, the Company solely and exclusively owns copyrights, trademarks, service marks, logos, trade names, and other intellectual and proprietary rights associated with the Company’s Services provided on the Website and Contents (“Website Content”) and is protected under Indian law.

• Through the Participant’s use of the Website, by no means are any rights impliedly or expressly granted to the Participant in respect of such Website Content. The Company reserves the right to change or modify the Services and/or the Website Content (as the case may be) from time to time at its sole discretion.

• The Participant hereby acknowledges that the Website Content and the Services constitute original works and have been developed, compiled, prepared, revised, selected, and arranged by the Company and others through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, and money and constitutes valuable intellectual property of the Company and such others. The Participant thereby agrees to protect the proprietary rights of the Company and such others during and after the term of these Terms. The Participant may not selectively download portions of the Website without retaining the copyright notices. The Participant may download material from the Website only for the Participant’s own personal use and for no commercial purposes whatsoever.

• The Participant shall use the Website strictly in accordance with these Terms, and shall not, directly or indirectly, (a) decompile, disassemble, reverse engineer, or attempt to derive the source code of, or in any manner decrypt, the Website; (b) make any modification, adaptation or improvement, enhancement, translation or derivative work from the Website; (c) violate any applicable laws, rules or regulations in connection with his/her access or use of the Website, including his/her use of any Website Content; (d) remove or obscure any proprietary notice (including any notices of copyright or trademark) forming a part of the Website; (e) use the Website for any commercial or revenue generation endeavours, or other purposes for which it is not designed or intended; (f) distribute or transmit the Website or other services; (g) use the Website for data mining, scraping, crawling, redirecting, or for any purpose not in accordance with these Terms; (h) use the Website for creating a service or software that is directly or indirectly, competitive with the Website or any Services; or (i) derive any confidential information, processes, data or algorithms from the Website.

• Any infringement shall lead to appropriate legal proceedings against the Participant at appropriate forum for seeking all available remedies under applicable laws of the country.

TERMINATION

• The Terms are effective and binding on the Participant, unless and until terminated by the Company or the Participants. A Participant may terminate the Terms at any time by (i) ceasing to use the Website or the Services; or (ii) notifying the Company of the Participant’s intention to no longer be bound by it. The Company, in its sole discretion, for any reason or no reason including the Participant’s violation of these Terms may restrict, suspend, or terminate the access or use of the Website by the Participant.

• The Participant acknowledges that the restriction, suspension, or termination of access or use to the Website and Services may come into effect without any prior notice.

• The disclaimer of warranties, the limitation of liability, and the governing law provisions shall survive any termination of these Terms.

• Privacy Policy

The personal information / data provided by the Participant to the Company during the course of usage of the Website will be treated as strictly confidential and in accordance with the Privacy Policy and applicable laws and regulations. If the Participant objects to his/her information being transferred or used, the Participant is advised not to use the Website.

SEVERABILITY AND WAIVER

These Terms, the Privacy Policy and other referenced material herein or on the Website, are the entire agreement between the Participant and the Company with respect to the Services offered on the Website and supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between the Participant and the Company with respect thereto and govern the future relationship. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

Assignment

It is expressly agreed by the parties that the Company may assign all or part of its rights or duties under these Terms without such assignment being considered a change to these Terms and without notice to the Participant, except to the extent provided by law.

GOVERNING LAW & DISPUTE RESOLUTION

These Terms shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall exclusively be in Mumbai, India. In the event of any dispute arising out of these Terms, the same shall be settled by a binding arbitration conducted by a sole arbitrator, appointed jointly by both parties, and governed by the Arbitration and Conciliation Act, 1996. The venue and seat of arbitration shall be Mumbai, India.

GRIEVANCE REDRESSAL MECHANISM

In accordance with the applicable law, the name and contact details of the Grievance Officer are provided below:

Name: Sreekant Rudrabhatla

Address: 401, 4th Floor Connekt, Second Avenue Road No 23, MIDC, Seepz Andheri East, Mumbai, Maharashtra 400093

Phone Number: +91 9867167676

E-mail: sreekant@thedigitalfifth.com

For registering your complaint, please write to the Grievance Officer at the above-mentioned email address in relation to any violation of the Terms of Service or the applicable law. The Grievance Officer shall redress the complaint in accordance with the provisions of the applicable law.

HOW TO CONTACT US

If the Participant has questions or concerns about these Terms, the Participant may contact the Company at +91 9867167676