This FIFA World Cup 2022 tickets campaign (“Campaign”) is brought to you by Finnew Solutions Private Limited (“Niyo”). Please read these terms and conditions (“T&Cs”) before participating in the Campaign. By participating in this Campaign, you agree to be bound by these T&Cs.

These T&Cs are in addition to Niyo Terms and Conditions and Privacy Notice available at http://www.goniyo.com. To the extent these T&Cs are inconsistent with Niyo Terms and Conditions, these T&Cs will prevail with respect to the Campaign.

This Campaign is valid from September 12, 2022, to October 12, 2022(“Campaign Period”)

For the purposes of these T&Cs, wherever the context so requires “You” or “Your” shall mean a natural person who is a participant in the Campaign.

1. Eligibility: You shall meet the following eligibility criteria to participate in the Campaign:

1. 1. You should be above eighteen (18) years of age, of sound mind, an individual resident of the Republic of India and not prohibited by any applicable laws to participate in the Campaign.
   2. You should hold a valid India Passport, be an existing savings account holder on the Niyo Global Application and hold a valid Niyo Global Debit Card.
   3. During the Campaign Period, you shall use your Niyo Global Debit Card to undertake one or more international transactions which upon conversion aggregate to atleast INR 50000. International transactions shall mean non-INR transactions undertaken either online or offline at stores.
2.  By participating in the Campaign and subject to these T&C’s, you stand a chance to win one ticket to one match in the FIFA World Cup 2022 to be held in the State of Qatar (“Ticket”).
3.  During the Campaign Period, one Niyo Global Debit Card holder shall be eligible to make only one submission for a chance to win the Ticket.
4.  Post completion of Campaign Period, Niyo will choose winners from a random draw of entries received from eligible participants in accordance with these T&C’s. The draw will be performed by a random process, either physically or electronically. Niyo’s decision as regards the Winners shall be final and binding and the participants shall not dispute it under any circumstance. Niyo further reserves the right to allocate the Ticket to any participant. The details of the Tickets will be notified by Niyo to the winners.
5.  Except for provision of the Ticket to the winner, Niyo shall not be responsible for any issues or costs associated with winner’s attendance to the match including any costs associated with travel, accommodation, obtaining visa for travel and procedures thereof. You agree to be solely responsible for all such issues and costs.
6.  The winners of the Campaign shall be solely responsible to comply with applicable law, all travel advisories and guidelines issued by governments of India and the State of Qatar, applicable FIFA guidelines including those that are made available at https://www.fifa.com/fifaplus/en/articles/legal-documents-en
7.  Niyo reserves the right, at its sole discretion, to disqualify any user who does not meet the reward requirements or in case of reasons including but not limited to any misuse of the offer or fraud or suspicious transactions. Niyo reserves the right to discontinue or change any Niyo reward programme at any time, at its sole discretion.
8.  Niyo reserves the right to offer/withdraw any special items for a special set of customers selected at its discretion
9.  Niyo may at its sole discretion change any of the terms of these T&Cs or cancel the Campaign at any time, or modify, terminate, or suspend the Campaign.
10.  Niyo is not responsible for: (a) lost, misdirected, late, incomplete, or unintelligible entries or for inaccurate entry information, whether caused by you or by any of the equipment or programming associated with or utilized in the Campaign, or by any technical or human error that may occur in the processing of entries; (b) any printing or typographical errors in any materials associated with the Campaign; (c) any error in the operation or transmission, theft, destruction, unauthorized access to, or alteration of, entries, or for technical, network, telephone, computer, hardware or software, malfunctions of any kind, or inaccurate transmission of, or failure to receive any entry information on account of technical problems or traffic congestion on the Internet or at any website; or (d) injury or damage to your or any other computer or mobile resulting from downloading any materials in connection with the Campaign.
11.  By participating in the Campaign, you give Niyo and its affiliates permission to use your name, image, voice, and, or appearance as such may be embodied in any pictures, photos, video recordings, audiotapes, digital images, and the like, taken or made in relation to the Campaign and any promotions, events, or campaigns to follow.
12.  This Campaign is provided purely on a “best effort” basis and participating in this Campaign is voluntary. By participating in the Campaign, you will be legally bound hereby, to release from liability, and hold harmless Niyo, and any of its affiliates, employees or agents representing or related to Niyo and its services/products. This release is for any and all liability including for personal injuries (including death), property loss or damage, and misuse of the benefits/ tickets offered under this Campaign, in connection with any activity or directly or indirectly, by reason of the acceptance, possession, or participation in the Campaign, even if caused or contributed to by Niyo’s negligence.