Dhanteras Gold Khazana Offer

Terms and Conditions for "Dhanteras Gold Khazana" Offer

Preliminary

This document is an electronic record in terms of the Information Technology Act, 2000 and the rules thereunder, as amended from time to time, and does not require any physical or digital signature.

This Dhanteras Gold Khazana offer ("Offer") is being run by Scapic Innovations Private Limited ("super.money") on the super.money mobile application ("App"), which is owned and operated by super.money.

By participating in the Offer, the user ("You" or "Your") agrees to be bound by:

  • these terms and conditions ("T&C");
  • the Terms of Use ("ToU"), Privacy Policy, and other relevant documentation, including any modifications, alterations or updates thereof published on the App.

If these T&C conflict with the ToU, these T&C prevail only to the extent of this Offer.

Offer Details

  1. Offer Period: The Offer will commence at 00:00 hrs on 5th November 2026 and end at 23:59:59 hrs on 6th November 2026 ("Offer Period"), unless modified by super.money.
  2. Eligibility: To participate in the Offer, You must:
    • be an Indian citizen aged 18 years or above;
    • hold a valid, KYC-verified account on the App and log into the same; and
    • start a new gold systematic investment plan ("Gold SIP") on the App during the Offer Period.
    • Only a Gold SIP started for the first time during the Offer Period qualifies. An existing, paused, restarted or previously cancelled and recreated Gold SIP does not qualify.
    • Your Gold SIP must remain active, without cancellation or pause, for a period of at least 30 (thirty) days from the date on which it is started. Otherwise You are not eligible to win.
  3. A Gold SIP that fails, is rejected, reversed, refunded or cancelled, or whose mandate is not successfully registered, does not qualify. Gold under the Gold SIP is purchased at the live price displayed at the time of each instalment, subject to applicable taxes and charges.
  4. Digital gold and the Gold SIP on the App are made available by Digital Gold India Private Limited ("SafeGold"). Your Gold SIP is also subject to SafeGold's terms and the Gold SIP terms displayed on the App. super.money acts only as a facilitator and is not the seller of gold.
  5. super.money and its partners reserve the right to verify the validity of entries, including a participant's identity, age and place of residence, and to decline or disqualify any participant who does not satisfy these T&C.

Prize Draw and Winner Communication

  1. 3 (three) winners will be selected at random by super.money from the users who satisfy the eligibility criteria. The selection by super.money is final and binding, and super.money shall not entertain any query or dispute in this regard.
  2. Each winner will receive one (1) smartphone ("Prize"), the make, model and variant of which will be determined by super.money at its sole discretion. super.money may substitute the Prize with another of equal value. A participant can win only once.
  3. Winners will be announced on 10th December 2026 or such other date as determined by super.money on super.money's Instagram page (@getsuper.money). Winners will also be contacted by call, SMS and/or email.
  4. super.money may contact a winner up to 3 (three) times over a period of 48 hours. If the winner does not respond, the winner shall forfeit the Prize and a substitute winner may be chosen.
  5. Winners may be required to provide personal and KYC details and to sign legal documentation, as required by super.money. If a winner provides inaccurate or false information, the Prize shall be forfeited.
  6. You hereby provide your consent for super.money to use Your name in promotional material and in any media, for an unlimited period and without remuneration, to promote the Offer.
  7. The Prize cannot be transferred, substituted by You, or encashed. In the event of the death of a winner, no claim by the winner's nominees or legal heirs will be entertained.
  8. The Offer is subject to the Income-tax Act, 1961, and all disbursements are subject to TDS, as applicable. super.money is not responsible for any other tax implications on You arising from Your participation.

Redemption of Prize

  1. Each winner will be issued one (1) coupon code ("Coupon") on or before 10th December 2026 through such a channel as determined by super.money, to be redeemed on the Flipkart platform ("Flipkart") for the purchase of the Prize.
  2. To redeem the Coupon, You must enter the Coupon code at checkout on Flipkart while purchasing the smartphone made available for the Offer, and pay ₹999 ("Payment Amount"). On successful redemption, the Prize will be delivered to You by Flipkart, subject to Flipkart's terms.
  3. The Coupon expires at 23:59:59 hrs on 30th December 2026. An expired Coupon will not be reinstated or extended.
  4. The Coupon is single-use and non-transferable, and can be redeemed only by the winner. It cannot be encashed or combined with any other offer.
  5. On confirmation of Your order of the smartphone, super.money will credit ₹999 ("Cashback") as Cashback Rewards (SuperRewards) in the rewards section of the App. The Cashback is governed by the ToU including as to validity, withdrawal and expiry. Unless extended by super.money, it is valid for six (6) months from the date of crediting. It is non-transferable and cannot be claimed as a matter of right.
  6. No Cashback will be credited, and any Cashback already credited may be reversed or recovered, if the Flipkart order is cancelled, returned, refunded or not completed, or if the Coupon is misused.
  7. Flipkart is a third party. Your purchase is a contract between You and Flipkart. Flipkart's terms govern the price, availability, delivery, warranty, returns and grievances. super.money is not responsible or liable for any act or omission of Flipkart, including stock unavailability, delivery delay or product defect. Where the smartphone is unavailable, super.money may substitute a smartphone of equal value.
  8. You consent to super.money sharing Your name, registered mobile number and Coupon details with Flipkart, and receiving order status from Flipkart, to validate the Coupon and credit the Cashback. super.money's records, together with Flipkart's redemption and order data, are conclusive evidence in any dispute.
  9. The Offer will conclude once all eligible Cashback has been credited. This does not affect super.money's rights under the General Terms and Conditions, including disqualification and recovery.

General Terms and Conditions

  1. The Offer is valid only in India, with the exception of the state of Tamil Nadu or such other state or territory where You are prohibited from doing so by state, municipal or other local laws.
  2. Participation in the Offer is completely voluntary. Mere participation does not entitle You to the Prize.
  3. super.money reserves the right, at its sole discretion, to terminate, withdraw, suspend, amend, extend, modify, add or remove any part of the Offer, including the Prize, at any time without prior notice.
  4. All decisions of super.money regarding the Offer, including eligibility, winners and disqualification, are final and binding.
  5. super.money may disqualify You, reverse transactions, forfeit the Prize and recover amounts already disbursed, in the event of fraud, use of multiple or duplicate accounts, misuse of the Offer, or any breach of these T&C.
  6. The Offer does not include betting or wagering of real-world money.
  7. The Offer is run on an "as-is" basis and You waive all claims against super.money. You agree to indemnify and keep super.money harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorney's fees) suffered by super.money as a consequence of (i) Your violation of these T&C or ToU or the Privacy Policy; (ii) Your violation of applicable laws; or (iii) any action or inaction resulting in wilful misconduct or negligence on Your part.
  8. The Offer is subject to force majeure events beyond super.money's control.
  9. These T&C are governed by the laws of India. Courts at Bengaluru shall have exclusive jurisdiction to settle any dispute arising under these T&C.