This page states the Terms and Conditions under which you (Visitor) may visit this website (“Website”). Please read this page carefully. If you do not accept the Terms and Conditions stated here, we would request you to exit this site. The business, any of its business divisions and / or its subsidiaries, associate companies or subsidiaries to subsidiaries or such other investment companies (in India or abroad) reserve their respective rights to revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to re-appraise yourself of the Terms and Conditions, because they are binding on all users of this Website.

1) Introduction

1.1 You will only be able to offer to purchase Products from the Product Suppliers using the Websites if you have made and we have accepted your application for registration with us.

1.2 By establishing Accounts with us, you agree to be bound by My fortune Online Terms and Conditions.

1.3 If particular types or styles of Products are unavailable for purchase or are not operational, then the relevant Terms and Conditions will only be operative if and when such types or styles of Products are available or are operational.

1.4 You must carefully read through the Terms and Conditions which apply to you.

2) Our agreement with you – Acceptance of Terms and Conditions

2.1 The Terms and Conditions govern all aspects of your transactions with us.

2.2 By establishing Accounts you represent to us that you have read, understood and accept that you will be bound by the applicable Terms and Conditions.

2.3 We strongly advise that you seek legal advice should you require assistance with, or an explanation of, any of the Terms and Conditions.

3) Warning and Warranty

3.1 The accessibility and operation of the Websites rely on internet technologies outside of our control. We do not guarantee continuous accessibility, uninterrupted operation or any particular standard of performance of the Websites.

3.2 We may from time-to-time close or limit access to the Websites for various reasons including, for example, scheduled downtime.

3.3 While considerable care has been taken in compiling and updating the content and information on the website we do not guarantee the accuracy of such content and information and as such it is used at your own risk.

3.4 From time to time, the Websites may contain links to other internet sites not operated by us. We do not control those sites and as such:

(a) are not responsible for their content; and

(b) these links do not indicate endorsement by us or support of any goods, services or content on those sites.

3.5 We cannot and do not guarantee that files available for downloading from the Websites will be free of viruses, or other codes that may corrupt or infect your computer. You are solely responsible for implementing virus checking and other procedures to prevent any such corruption or infection.

3.6 We may at any time and without notice amend the help pages and other procedures and explanatory information displayed on or accessible from the Websites.

4) Indemnity and Limitation of Liability

4.1 Nothing in this section 4 affects your rights under the Indian Consumer Law. Our services come with guarantees that cannot be excluded under the Indian Consumer Law.

4.2 Except to the extent that guarantees under the Indian Consumer Law cannot be excluded, we will not be liable to you for any Loss, Claim or Liability arising from or deemed or alleged to have arisen from or caused by the Website or their content, including without limitation your or any other person’s use or misuse of any content on the Website, your use or your inability to use the Website, delays in operation or transmission, communication line failures, or any errors or omissions in content save to the extent that such Loss, Claim or Liability arises directly from our negligence or wilful misconduct or that of any of our employees or agents.

4.3 To the extent permitted by law, you agree to indemnify us, our employees and agents from and against any Claims, Loss and Liabilities:

(a) arising directly or indirectly out of your use of the Websites and any content on the Websites; or

(b) from any violation by you of the Terms and Conditions (including negligent or wrongful conduct by you or any other person accessing the Websites),except for any Loss, Claim or Liability which results directly from our negligence or wilful misconduct or that of our officers, employees or agents.

5) Registration

5.1 You will only be able to offer to purchase Products from Product Suppliers if you have made and we have accepted your application for registration.
5.2 If we accept your application for registration:(a) My fortune will open an online Corporate Account in your name;(b) the relevant Product Suppliers will open Product Accounts in your name;(c) you will be able to make deposits into your Accounts;(d) you will be able to offer to purchase Products from Product Suppliers who have opened a Product Account in your name; and(e) you will be registered as a Restricted Member for all your Accounts until such time as your full name, date of birth and place of residence have been verified in accordance with our identification procedures.
5.3 You can only make an application for registration as a Member:(a) if you are an individual person (unless otherwise specified in the Terms and Conditions or agreed by us);(b) if you are not currently excluded from acquiring any Products for any reason; and(c) where such registration and the opening of Accounts with us does not contravene any law applicable to your place of residence or in any jurisdiction in which you are located when transacting with us.
5.4 This game has been created and operated purely on skill basis and users with highly advanced knowledge of mathematical values and algorithms can crack the patterns of the results of both the games. We highly encourage on playing our "create your own" option as it allows all the players to use their skills before picking up the numbers and creating the entries.
5.4(1) Only after understanding clause 5.4 any user shall create their account at my fortune and choose to play the offered games.
5.5 When you make an application for registration you provide us with certain information. It is your ongoing responsibility to inform us of any changes in the information you have given us. We rely on this information being true, correct and not misleading. If the information is untrue, incorrect or misleading in any material way:
(a) we may cancel or suspend your Accounts;
(b) each relevant Product Supplier may cancel and dishonour any Product purchases or offers to purchase Products made by you; and
(c) where you have committed a serious breach of this section 5.4, including where there has been a breach of law, each relevant Product Supplier may retain (or recover from you) the value of those Product purchases and any winnings paid to you.
5.6 To become an Unrestricted Member, we must verify your identity, age and place of residence in accordance with our identification procedures and you authorise us to make such enquiries as we consider necessary in our discretion to verify the personal information provided by you. Full information on our identification procedures can be found on the Websites.
5.7 For as long as you are a Restricted user you cannot:
(a) close any of your Accounts; or
(b) withdraw funds from any of your Accounts, irrespective of whether such funds were deposited by you or are winnings or other moneys in any of your Accounts.
5.8 When you make an application for registration and each time you make an offer to purchase Products from Product Suppliers, you warrant to us that you are legally entitled to:
(a) apply for registration;
(b) deposit funds with us; and
(c) purchase Products and receive winnings from Product Suppliers.
You warrant that all of the above will not in any way violate any law applicable to your place of residence or in any jurisdiction in which you are located when transacting with us.
5.9 We do not agree to:
(a) accept your application for registration;
(b) accept your deposit of funds;
(c) accept your offer to make Product purchases from Product Suppliers; or
(d) pay you any winnings,
while you are prohibited by any law from such activity. We therefore rely upon your warranties in section 5.7 and you indemnify us from any Loss, Claim or Liability arising from those warranties being incorrect.
5.10 The Product Suppliers do not guarantee to accept any offers you make to purchase Products and may refuse to do so in their absolute discretion without notice to you and without giving reasons.
5.11 You may be asked to update or clarify or provide further information from time to time under our ‘know your customer’ obligations. Any failure by you to respond satisfactorily to a request for further information will entitle us to immediately suspend or close your Accounts under section 12.4.

6) Use of your Accounts

6.1 Unless otherwise agreed by us, at our absolute discretion, you may only have one Corporate Account with whom you are lawfully entitled to apply for registration.
6.2 Your Account has been established solely for the purpose of supply by the Product Supplier of Products to you. You may only use funds credited to your Corporate Account and Product Accounts for the purchase of Products, and not for any other purpose. Without limiting the foregoing, your Accounts may not be used by you to transfer money to Third Parties, to purchase products or services offered by Third Parties, to make payments to Third Parties or as a bank account.
6.3 Your funds will be held in one or more of My fortune’s general accounts and you consent to those funds being invested on short term money markets or in interest bearing accounts. No interest will be payable by us on funds standing to the credit of your Accounts.
6.4 Only you may transact on your Accounts. We do not recognise or acknowledge anyone other than you, as Account holder, in relation to the Accounts or any transactions on them or funds contained in them.

7) Account Security and Responsibility for Your Accounts

7.1 You are responsible for all of the obligations arising out of or in relation to your application for registration and your Accounts.
7.2 When you apply for registration, you will be allocated a username and required to nominate a password and to provide other verification information. If we accept your application for registration, your username will be confirmed by email to the email address specified by you in your application for registration.
7.3 In order to access your Accounts and offer to purchase Products, you must authenticate your identity by entering your username and password or using such alternative authentication mechanism as we may make available from time to time.
7.4 It is your responsibility to ensure that:
(a) no other person accesses the Website or purchases Products via the Website using your username, password or your Accounts;
(b) you do not disclose your username or password or other verification information to anyone,
because you will be responsible for any use of your Accounts and Products purchased by any other person using your Accounts and we have no Liability for any Loss to you or others in this regard and your Accounts will be charged accordingly for such purchases and any associated fees and charges.
7.5 You may change your password or other verification information or suspend access to your Accounts at any time by contacting us in the manner set out in section 15.5.4. If you inadvertently disclose your password to anyone you should immediately contact us and/or change your password.

8) Purchasing of Products and Payment of Winnings

8.1 We will only accept offers to purchase Products from users in whose names an Account has been opened and where sufficient funds are available in the user’s Accounts to purchase the Products.
8.2 Your offer to purchase a Product is not a valid purchase until it:
(a) is accepted by the us; and
(b) is recorded in the computer system as a valid purchase.
8.3 We may, at our discretion, refuse a proposed purchase.
8.4 You must check the details of the Product that you purchase at the time of purchase, to ensure that it is exactly the same type of Product you intended to purchase and that no error has occurred during the purchasing process.
8.5 We, subject to any relevant provisions in the Legislation, may cancel a purchase made by you where you have committed a material breach of these Terms and Conditions (e.g. if you provided a false identity) or where such cancellation is made in accordance with the Legislation.
8.6 The records kept by My fortune are conclusive evidence of and are deemed to be the true and correct record of the ticket purchased. We will not recognise computer printouts and other records provided by you as evidence of your purchase of Products.
8.7 Offers from you to purchase Products must be received by us prior to the deadline for the submission of offers otherwise your offer to purchase will not be processed and will be declined. The respective deadlines are shown in the help pages on the Website.
8.8 In circumstances where you have commenced making an offer to purchase which cannot be completed for any reason (e.g. as a result of a failure or break in your connection to the internet or in the connection between you and the Website or between the Website and the internet) if the offer to purchase Products is subsequently accepted prior to the relevant deadlines, that offer will stand and once accepted your relevant Account will be debited for the cost of the ticket.
8.9 If the Website or the computer systems of the Product Suppliers experience any form of malfunction during the:
(a) receipt of an offer by you to purchase Products;
(b) process by means of which the relevant computer system attempts to give effect to your offer; or
(c) relevant Product Supplier’s confirmation of its acceptance of your offer to purchase, and the relevant Product Supplier is unable to recover or verify the status of that offer to purchase Products during data recovery, then such unfinished or interrupted offer to purchase Products will be deemed void and not to have been placed. Any necessary adjustments will be made to your Accounts.
8.10 All quick cash games contains an entry limit for every player depending on the ticket sales of that particular game. My Fortune holds the right to void any excess tickets if the results are not declared yet and inform the participant via registered email prior to the result. Our weekly games does not contain any limit hence, this is not applicable to Weekly Fortune.
8.11 Offers to purchase Products may be refused if we reasonably suspect or know that the relevant Product Supplier’s computer system failed to function in the manner in which it was designed and programmed to function.
8.12 Cancellation of a Product purchased by you is subject to the Terms and Conditions of the Product Supplier.
8.13 If your offer to purchase Products is accepted by the Product Supplier, you authorise My fortune to transfer from your Corporate Account to your relevant Product Account such amount as the Product Supplier notifies it is necessary to purchase your selected Products and your Corporate Account will be debited in this amount.
8.14 From the time you become an Unrestricted Member, if you are entitled to receive winnings from a Product Supplier, you authorise each relevant Product Supplier to transfer all winnings from your relevant Product Account to your Corporate Account upon payment by the Product Supplier into your Product Account. For as long as you remain as a Restricted Member, all winnings received by you (if any) will remain in your relevant Product Account.

9) Depositing funds into your Accounts

9.1 Information regarding how to make deposits is provided on the Website and on the Deposit Funds page in the Your Account section of the Website.
9.2 You may deposit funds into your Accounts by:
(a) charging to certain credit/debit cards accepted by us, subject to section 9.7 of this Part B;
(b) any other service we may make available from time to time in the manner shown on the Websites which includes deposit by PayTm and transfer from your bank account.
9.3 We may change the manner in which deposits can be made (including cancelling or suspending any deposit method) at any time and we will notify you of these changes as soon as practicable.
9.4 When you make a deposit with us you are using a facility offered by one or more Third Party Facilitators and your use of those facilities is subject to the terms and conditions of use stipulated by those Third-Party Facilitators.
9.5 Deposits of funds into your Accounts will only be recognised when we have received confirmation from the Third Parties referred to in section 9.4 of this Part B that the funds have been cleared for our use.
9.6 We try to ensure that the balances of your Accounts are correct at all times. Nevertheless, you should check the balances of your Accounts and transaction history frequently and bring any apparent disparity to our attention immediately by contacting us.
9.7 Deposits made by credit/debit card are subject to the following terms:
(a) Deposits may only be made by a credit/debit card issued in your name. If you use a credit/debit card issued in the name of a Third Party to deposit funds to your account we may, at our discretion, remove the credit/debit card from your account or close your account. Subject to any rights available to you under the law, we may not refund deposits made to your account by the use of a credit/debit card issued in the name of a third party.
(b) You may cancel the authority to deposit funds via a credit card/debit at any time by notifying us in accordance with section 15.5.4 of terms and conditions.
(c) Deposits by credit card may be considered a cash advance by the issuer of your credit card and may attract interest from your issuer accordingly. You should contact your issuer for further information.
(d) We reserve the right to deny this service to any Member and may withdraw this service from you at any time.
9.8 We may from time to time impose limitations on your Accounts. The limitations (if any) are shown on the Website. We will notify you of any or all of the following changes to limitations on deposits to your Accounts:
(a) minimum deposits;
(b) maximum deposits (including maximum total deposits over a particular period of time);
(c) minimum balances; and
(d) maximum balances (if we impose a maximum balance for your Accounts you must not make deposits which would take the balance of your Accounts beyond that maximum balance).
9.9 No interest will be payable by us on funds standing to the credit of your Accounts.
9.10 In the event that funds are credited to any of your Accounts in error, it is your responsibility to notify us of the error at the earliest opportunity. Unless we notify you to the contrary, any transactions resulting from the error will be voided.

10) Withdrawing Funds from Your Accounts

10.1 Information regarding how to make withdrawals from your Accounts is provided on the Website and on the Withdraw funds page of the Your Accounts section of the Website.
10.2 If you are an Unrestricted Member, you may withdraw funds from your Accounts by any of the services we make available from time to time in the manner shown on the Website, which includes direct credit to your Designated Account.
10.3 If you are a Restricted Member you cannot withdraw funds from any of your Accounts.
10.4 If you request us to make payments directly to you, we will only make payments to your Designated Account, unless otherwise agreed by us. We will not be liable if you do not receive your withdrawn funds as a result of any incorrect information provided by you to us.
10.5 We may:
(a) place a stop payment on any cheque that is issued to you;
(b) temporarily block your Accounts if we consider that payment of such cheque or the continued operation of such Accounts is illegal or constitutes an offence; and
(c) withhold payments of any nature and void all your winnings if you have committed a serious breach of section 5.4, including where there has been a breach of law.
10.6 We may from time to time impose limitations on withdrawals from your Accounts. The limitations (if any) are shown on the Website. We will notify you of any or all of the following changes to limitations on your Accounts:
(a) minimum withdrawals;
(b) maximum withdrawals;
(c) minimum balances; and
(d) maximum balances.

11) Inactive and Dormant Accounts

11.1 If there have been no transactions on your Corporate Account (either by depositing funds into or withdrawing funds (including winnings) from your Accounts or purchasing Products) for a continuous period of 13 months, we may give you notice that if your Corporate Account continues to be Inactive for a further 1 month period immediately following our notice to you, we will charge your Corporate Account an account maintenance fee of Rs100 per month (including GST) from the time that your Corporate Account becomes an Inactive Account and for as long as your Corporate Account remains Inactive. This fee represents the reasonable costs incurred by us in maintaining your Corporate Account throughout extended periods of inactivity. If we do not give you notice, no account maintenance fee will be charged.
11.2 We will cease charging an account maintenance fee if you transact on one or more of your Accounts (either by purchasing Products, or depositing funds into or withdrawing funds (including winnings) from your Accounts), if you instruct us to close all of your Accounts, or if your Corporate Account has a zero balance.

12) Suspension or Closure of your Accounts

12.1 We may suspend or close any of your Accounts at any time by giving you a 7 days’ notice. You may continue to use your Accounts in accordance with the Terms and Conditions during the notice period.
12.2 You may suspend any of your Accounts, if you are an Unrestricted Member, at any time by notifying us in accordance with section 15.5.4 and requesting that any of your Accounts be suspended or closed. You must become an Unrestricted Member before you can close any of your Accounts.
12.3 While any one or more of your Accounts is suspended, you will not be able to:
(a) deposit funds to the relevant suspended Accounts;
(b) purchase Products using funds standing to the credit of the relevant suspended Accounts; or
(c) withdraw funds from the relevant suspended Accounts, until the suspension on your relevant Accounts is lifted. We are not liable to you in any form for your inability to use your Accounts while they are suspended.
12.4 If you have committed a material breach of the Terms and Conditions including, for example, if we become aware or reasonably believe that any of your Accounts:
(a) may have been used to facilitate or is connected with unlawful, suspicious or fraudulent transactions; or
(b) has been misused, or been subject to unauthorised use, then we may immediately suspend or close your Accounts.
12.5 If we suspend or close your Accounts pursuant to section 12.4, we will make reasonable efforts to notify you and provide our reasons for suspending or closing your Accounts.
12.6 Subject to section 12.8, if at the time when your Accounts are closed:
(a) you are an Unrestricted Member; and
(b) You have an active balance in your Account.
we will, as soon as reasonably practicable, remit to you the balance of your Accounts, less applicable costs, fees and charges (refer to section 13 of this Part B) by electronic transfer to your Designated Account, unless otherwise agreed by us.
If funds are not withdrawn within 30 days following the closure of your Accounts, your Corporate Account will be deemed to be an Inactive Account and we will commence to charge your Corporate Account an account maintenance fee of Rs100 per month (including GST) commencing on the expiry of the 30-day period. We will cease charging an account maintenance fee when your Corporate Account has a zero balance.
12.8 If at the time when your Accounts are closed you:
(a) are an Unrestricted Member; and
(b) have Product purchases which have not been resulted,
we will send you the proceeds from those purchases, if any, after the results of all such purchases have been determined and in accordance with any applicable time periods stipulated in the Rules, less applicable costs, fees and charges (refer to section 13) by electronic transfer to your Designated Account, unless otherwise agreed by us.

13) Fees and recovery of funds

13.1 Except where otherwise specified, we reserve the right to recover from you any fees, costs, losses, charges, taxes, imposts, levies or duties imposed on us by a Third Party and which we incur:
(a) in providing services to you;
(b) in respect of Products purchased by you;
(c) in relation to a deposit of funds credited to your Accounts, including:
(i) charges arising from a dishonoured cheque;
(ii) credit card transaction fees; and
(iii) charges in obtaining authorisation or confirmation from the relevant financial institution that the funds will be credited to our bank account;
(d) if a deposit of funds credited to your Account is made fraudulently, incorrectly or in an unauthorised manner;
(e) in transferring funds to you from any of your Accounts; or
(f) otherwise in respect of the Terms and Conditions,
and you hereby authorise us to affect such recovery by:
(g) demand in which case the relevant amount will be payable on demand; or
(h) debiting any of your Accounts by the relevant amount, subject to any limitation imposed by law.
13.2 We reserve the right to recover from you any amount (whether as a prize, dividend or otherwise) that is credited to any of your Accounts in error.
13.3 We may at our discretion waive any fee or charge to your Accounts to which we are entitled. Our failure to collect any fee or charge which applies to your Accounts does not give rise to a waiver of that fee or charge in the future.

14) Privacy

16.1 We collect information about you from your application for registration and from your transactions and use of the Website. This information may include your name, contact details, date of birth, identification details and details relating to your transactions and use of the Websites. We collect this information for the purpose of assessing and processing applications for registration and for the administration of your Accounts, and for carrying out marketing, planning, product development, administration of the Websites and research. If you do not provide all the information requested in the application for registration, except for those fields marked “optional”, we cannot process your application.
16.2 By opening Accounts with us, you consent to us contacting you by any communication means (for example, email, SMS, social media) for an indefinite period of time to provide you with information about upcoming events, promotions, new products and services or other similar opportunities. Each time we contact you with direct marketing, we will provide you with the opportunity to opt-out from receipt of direct marketing activities and we will promptly act on your request to opt-out.
16.3 Your personal information will be dealt with in accordance with My Fortune Privacy Policy which is displayed at xyz.com. You will usually be entitled to gain access to information which we hold about you, except in certain circumstances specified by legislation. We may charge a fee for our reasonable costs in providing you with access to your personal information.
16.4 All information collected by us will become and remain the property of My Fortune Lotto.
16.5 This section survives termination of your registration with us.

15) General

15.1 Assignment: We may assign our rights and obligations under the Terms and Conditions to a Third Party and we will give you notice no later than 30 days after any such assignment occurs. If you consider that the assignment is detrimental to you, you may close your Accounts without being liable to pay any fees or charges to us.
15.2 Variation of Terms and Conditions:
15.2.1 We may vary any term of the Terms and Conditions by:
(a) getting your consent; or
(b) complying with this section.
The steps we must take depend on the type of variation.
15.2.2 If we reasonably consider that any change to the Terms and Conditions is likely to:
(a) benefit you; or
(b) be of no or immaterial detriment to you,
We can make the change immediately and do not need to notify you.
15.2.3 We will notify you of any other change to the Terms and Conditions by our choice of at least one of the following:
(a) the next time you access your Accounts using the Websites, starting at least 14 days prior to the change occurring (you may not see the notice until later, or even after the change has occurred, depending on how frequently you access your Accounts using the Websites);
(b) by email to the email address provided to us by you, sent by us at least 14 days prior to the change occurring.
15.2.4 The notification in section 15.2.3 will specify the date of commencement of the change to the Terms and Conditions.
15.2.5 If you are an Unrestricted Member and consider that any change to the Terms and Conditions is detrimental to you, you may close your Accounts during the -day notice period without any fees or charges, notwithstanding section12.
15.3 Waiver: Any non-enforcement by us of any of our rights under the Terms and Conditions will not constitute a waiver of those rights. Any waiver by us of any of our rights under the Terms and Conditions will not constitute a waiver on any subsequent occasion.
15.4 Cross References: There are sections in the Terms and Conditions which cross reference or link to information on the Websites. Unless the context otherwise requires, that cross reference or link is not intended to make the cross referenced or linked information a part of the Terms and Conditions.
15.5 Notices:
15.5.1 Where we are required or permitted to give you a notice under the Terms and Conditions, we may do so:
(a) if the notice is about a variation of the Terms and Conditions, by complying with section15.2;
(b) otherwise, in any way, including by:
(i) giving you the information in person (whether it be provided by us or our agents); or
(ii) giving you the information by telephone, email or any other form of communication using the contact details you give to us; or
(iii) making the information available on the Website.
15.5.2 Where we give you notice:
(a) in person or by telephone, it is taken to be received by you at the time we give it;
(b) by email, it is taken to be received by you when the email is sent, regardless of any response to the email;
(c) by making information available on the Website, it is taken to be received by you at the time the information is made available on the Website.
15.5.3 Where any law requires or permits us to give information to you, you consent to that information being given by an electronic communication.
15.5.4 Where you are required or permitted to give us a notice under the Terms and Conditions, you may do so by giving us the notice by:
(a) email to enquire@myfortunelotto.com