1. Background 

• This document is an electronic record in terms of: (i) Information Technology Act, 2000; (ii) the rules framed there under as applicable; and (iii) the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. 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 Information Technology Act, 2000 and the rules made thereunder that require publishing the rules and regulations, privacy policy and terms of use for access or usage of our Platform www.nationalfinanceolympiad.com (“Website”) and the application [Streak] (“Application”). For the purposes of this Terms of Use document, Website and the Application shall be collectively referred to as “Platform”.

• The Platform is owned, registered and operated by “Pockvue Solutions Private Limited” (“Company”), a private limited company, incorporated under the provisions of the Companies Act, 2013 and having its registered office at C-111, Trinity Towers, DLF City Phase 5, Gurugram, Haryana – 122002.

• These terms of use (“Terms of Use”) read along with the Privacy Policy constitute a legal and binding agreement between you and the Company and govern your use of the Platform and Services (as defined below) provided through the Platform. By using or visiting the Platform, or by using any content or information provided as part of the Platform/Services, you shall be deemed to have read, understood and accepted to be bound by these Terms of Use.

• For the purpose of these Terms of Use, wherever the context so requires “you“, “your”, or “user” shall mean any natural or legal person who uses the Platform for availing the Services. The term “we”, “us”, “our” shall mean the Company.

• We reserve the right to make changes to these Terms of Use at any time. Any such modifications will become effective immediately upon posting to the Platform and your continued use of the Platform, and/or the Services constitutes your agreement to such modifications. you agree to periodically review the current version of these Terms of Use as posted on the Platform.

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2. Fraud and Improper Conduct 

• You may only access the Platform for availing the Services that are offered by us.

• You are solely responsible for the knowledge of and adherence to any and all laws, rules, and regulations pertaining to your use of the Services. You agree that you will not in any way:

 2.1 Interfere with the ability of others to access or use the Platform and the Services;

 2.2 Disrupt the normal flow of communication or otherwise act in a manner that adversely affects other users’    ability to use the Platform or the Services;

 2.3 Claim a relationship with or to speak for any individual, business, association, institution, or other organization for which you are not authorized to claim such a relationship;

 2.4 Interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services;

 2.5 Upload or use the Service to transfer, any content or other material that contains or constitutes viruses, trojan or other code with malicious, disruptive and/or destructive features;

 2.6 You shall not attempt to gain unauthorized access to any hardware or software system, or networks associated with the Services, or obtain any services or information not intentionally made available to you by us on or through the Services; and

 2.7 You shall not attempt to gain unauthorized access to the account of any other user or entity, or otherwise interfere with any other user’s or entity’s use of the Services.

3. Intellectual Property Rights 

Copyright

• All content included on the Platform and delivered to Users as part of the Services, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, code, and software used on or incorporated into the Platform, is the property of the Company, unless expressly provided otherwise, and is protected by Applicable Law. The compilation of all content on this Platform is the exclusive property of the Company. You agree not to decompile, reverse engineer or disassemble any content accessible through the Platform, not to insert any code or product or manipulate the content of the Platform in any way that affects a user’s experience, and not to use any data mining, data gathering or extraction method. We reserve the right to terminate our engagement if we, in our sole and absolute discretion, believe that you are in violation of this clause.

• The Company’s content available on or via the Platform, are provided to you as is for your information and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the Company. We reserve all rights, not expressly granted in and to the Platform.

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4. General terms of use

• By entering your personal information required for registration, and by confirming the entry via the ‘Enroll’ key, a user agreement between you, the user, and Pockvue Solutions Private Limited is entered into, for which the terms of use are valid and which the user accepts as binding.

5. Subject of agreement

• The National Finance Olympiad is a quiz competition launched by Streak (Pockvue Solutions Private Limited, India). Interested parties may enroll and have access to content and information contained on the platform. No fees are charged by Streak for use of the platform. Competition guidelines are available on the landing page. On the website, users will be able to enroll for the competition.

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6. Participation in the Championship

• To participate in the championship, successfully a valid enrollement is required. Each person may only register once on the platform. Multiple accounts, enrollment under a false name, a pseudonym, via multiple e-mail addresses or under different names are forbidden and will result in deletion of all accounts.

• In order to enroll, the user must submit the form on the website, in which the following information must be entered: full name, mobile number, an e-mail address at which s/he can be reached, City, School name, Class/Grade, gender and parents mobile number.

  With enrollment, the user confirms that s/he has read, understood and accepts the terms of participation and use.

• Following enrollment, the user will promptly receive a confirmation e-mail from Streak to the address entered.

• We may terminate your use of the platform that we provide at any time, for any reason, and without advance notice. This means we can stop providing you with any Services, or impose new or additional limits without notifying you. However, we will always notify you when the law requires us to update you regarding any changes.

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7. Formal contract and period of applicability

• The user contract between Streak and the user is considered valid with the user’s successful enrollment on the platform. By enrolling for the championship, Streak accepts the user’s offer to enter into the user contract.

• The user contract is valid for an unlimited period of time.

• Both the user and Streak have the right to terminate the user agreement without stating reasons and without giving notice. Termination will be effective with one party informing the other in electronic form (e-mail) or in writing.

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8. User obligations

• Accounts may not be transferred without the written permission of Streak. This also applies to the user rights resulting from the user agreement; these are neither transferable nor assignable.

• The user confirms that all information and content entered on registration is correct, up to date, available and complete. S/he is obliged to inform Streak via e-mail of any changes as soon as they apply.

• The user is responsible for their password confidentiality and for protecting this and their account from unauthorized access.

• The user is responsible for all activities on their account resulting from culpable loss of their password and/or knowledge thereof by third parties. S/he will indemnify Streak immediately against all possible damages resulting from the above.

• Should the user lose their password or have knowledge of misuse of their account access data, s/he is obliged to inform Streak immediately by e-mail to contact@nationalfinanceolympiad.com

• On receiving knowledge of possible misuse of the user’s password, Streak maintains the right to block the user account and remove all content from the platform. In such a case, the user will be immediately informed by e-mail.

• The user pledges to refrain from any activities that damage system or network security, as well as those which endanger the performance or availability of the platform.

9. Data protection

• Streak pledges to observe applicable data protection laws. Further information is available in the data privacy statement at: Privacy Statement

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10. Finality of all decisions

• All decisions are final. There is no right of appeal. The prize awarded in the competition is non-transferable and may not be substituted by another prize.

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11. Limitation and Disclaimer of Warranty

• The Platform, the Services and each portion thereof are provided “as is” without warranties of any kind either express or implied. To the fullest extent possible pursuant to Applicable Laws of India, we disclaim all warranties, express or implied, with respect to the Platform, the Services and each portion thereof, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or other violation of rights.

• For the purpose of this Terms of Use, “Applicable Law” shall mean, any statute, law, regulation, ordinance, rule, judgment, notification, rule of common law, order, decree, bye-law, government approval, directive, guideline, requirement or other governmental restriction, or any similar form of decision of, or determination by, or any interpretation, policy or administration, having the force of law of any of the foregoing, by any authority in India having jurisdiction over the matter in question, whether in effect as of the date of these Terms of Use or thereafter.

• Under no circumstances, including, but not limited to, negligence, shall we be liable for any direct, indirect, special, incidental or consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or the inability to use, the Platform, the Services or any portion thereof, by any person, including employees and contracted personnel of the Company.

• Under no circumstances, shall the Company be liable for any direct, indirect, special, incidental or consequential loss or damages arising due to gross negligence or wilful misconduct of any third party service providers (example: payment gateway service providers, logistics service providers, Vendors etc.) empanelled by the Company for the purposes of rendering its Services.

• If you are dissatisfied or harmed by this Platform or anything related the Platform, you may terminate these Terms of Use in accordance with Clause 13 below.

• The Company does not guarantee that the Platform will function without interruption or errors in functioning. In particular, the operation of Platform may be interrupted due to maintenance updates, or system or network failures. In the event of interruption in accessing the Platform due to the above-mentioned reasons, we shall inform the User of the same, and we disclaim all liability with respect to delay in provision of Services due to the same.

12. Indemnification

• You agree to indemnify, defend and hold harmless the Company, and our affiliates, officers, partners, employees, consultants and representatives, from and against all losses, expenses, damages, costs, claims and demands, including reasonable attorney’s fees and related costs and expenses, due to or arising out of: (a) your failure to comply with these Terms of Use; or (b) where any information you submit, email, or otherwise transmit to us violates third party rights or Applicable Laws. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in such case, you agree to fully cooperate with such defence and in asserting any available defences.

13. Termination 

• We may terminate these Terms of Use immediately without notice in the event of any breach by you of these Terms of Use or any of our applicable policies, as posted on the Platform from time to time or upon a misuse of the Services by you.

• You may terminate these Terms of Use, for any or no reason, at any point. You acknowledge that for Products or Services already availed by you (prior to the termination), these Terms of Use will continue to apply.

• In the event of any termination or expiration of these Terms of Use, the following sections of these Terms of Use shall survive: all provisions regarding ownership of intellectual property, indemnification, disclaimer of warranties and limitations of liability, fraud or abuse, and the provisions of this section.

• You agree that upon the termination of these Terms of Use, we may delete all information related to you with respect to the Services availed by you.

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14. Force Majeure

• Without limiting the foregoing, under no circumstances shall we be held liable for any damage or loss due to a deficiency in provision of the Services resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication equipment failures, or any other government regulations, floods, storms, electrical failure, civil disturbances, pandemic, riots.

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15. Severability 

• If any part of the Terms of Use are determined to be invalid or unenforceable pursuant to Applicable Laws of India, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed to be superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect.

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16. General 

• Unless otherwise specified herein, these Terms of Use constitute the entire agreement between you and the Company in respect of the Products and Services and supersedes all previous written and oral agreements between you and the Company, if any. The Company’s failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.

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17. Governing Law and Dispute Resolution

• These Terms of Use shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles. The courts in Gurugram, India shall have the exclusive jurisdiction to determine any disputes arising in relation to, or under these Terms of Use.

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18. Grievance Officer

• In accordance with the Information Technology Act, 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

          E-mail ID: admin@nationalfinanceolympiad.com

19. Refund & Cancellation Policy:

Non-Refundable Fees: All fees paid towards registration, study materials, or any other services related to the National Finance Olympiad are non-refundable. This policy applies regardless of the circumstances, including but not limited to, cancellation, withdrawal, or disqualification from the Olympiad.

Digital Products and Services: Any digital products or services provided by the NFO, including but not limited to online study materials, guides, simulators, and other digital resources, are non-refundable once accessed or downloaded.

Cancellation of Event: In the unlikely event that the NFO is canceled due to unforeseen circumstances, we may offer alternative solutions, such as rescheduling the event or providing access to other educational resources. However, refunds will not be issued.

Amendments to the Policy: The NFO reserves the right to amend or update this No Refund Policy at any time. Any changes will be communicated to participants via our official communication channels.By registering for the National Finance Olympiad, participants and their guardians acknowledge and agree to abide by this No Refund Policy.