Mygate Predict & Win — Terms & Conditions

Effective Date: March 28, 2026

By participating in Predict & Win, a cricket-based engagement activity on Mygate, you agree to the following Terms and Conditions. This activity is purely for entertainment purposes and does not involve any real-money participation or betting.

1. Eligibility

The game is open only to registered Mygate resident users (homeowners or tenants) with active accounts in participating societies. Participants must be at least 18 years of age. By participating, you confirm that you are 18 years or older. Mygate reserves the right to verify age and disqualify participants who do not meet this criterion. This activity is not available to residents of states where such activities are prohibited by applicable law, including but not limited to Andhra Pradesh, Telangana, Tamil Nadu, Assam, Odisha, Nagaland, and Sikkim. By participating, you confirm that you reside in a state where participation in this activity is permitted under applicable local laws.

The game is not open to employees (full-time or part-time), contractors, consultants, and interns of Mygate Technologies Private Limited and its group companies, affiliates, and subsidiaries, or to the immediate family members (spouse, children, parents, and siblings) of any such persons. Any participation by an ineligible person will be void, and any prizes awarded to such persons must be returned. Mygate reserves the right to verify eligibility at any stage and to disqualify any participant found to be ineligible.

2. Game Rules

2.1. The game allows users to predict the winner of each match by selecting one team as the potential winner for the day.

2.2. Users can select only one team per match. Multiple selections are not permitted.

2.3. A user’s prediction is finalized once the match prediction window closes. No changes can be made after submission or after the match begins.

2.4. If a match is cancelled, abandoned, or ends with no official result, it will be treated as void. No points, leaderboard impact, or prizes will be awarded for that match.

2.5. For days with multiple matches, users must participate in each match individually. Participation in one match does not automatically apply to others.

3. Winner Selection and Prizes

3.1. Daily and Weekly Lucky Draws:

Two winners are selected at random for each match from users who correctly predicted the outcome. Additionally, one weekly winner is selected from users who made at least one correct prediction during the week.

Winners are subjected to receive exciting prizes from Mygate.

3.2. Grand Season Prize:

The top rankers on the final leaderboard at the end of the season, will win the Grand Season Prizes. Rankings are based on cumulative correct-prediction points.

3.3. Users who did not participate or predicted incorrectly are not eligible for lucky draws.

3.4. All winner selections are final and at the sole discretion of Mygate.

3.5. Prizes are non-transferable, non-exchangeable, and cannot be redeemed for cash. Mygate reserves the right to substitute prizes of equal or different value if required. Mygate reserves the right to substitute prizes with alternatives of equal or greater value, at its sole discretion and subject to availability.

3.6. Winners will be notified via the Mygate app and/or their registered mobile number. Mygate will never request OTPs, bank details, or any payment for prize claims.

3.7. All prizes are subject to applicable taxes under the Income Tax Act, 2025 (effective April 1, 2026), which replaces the Income Tax Act, 1961. Tax Deducted at Source (TDS) shall be applicable on prize winnings in accordance with Section 393, Clause 393(3) of the Income Tax Act, 2025 [corresponding to erstwhile Section 194B of the Income Tax Act, 1961], wherever the prize value from a single transaction exceeds ₹10,000. TDS will be deducted at a flat rate of 30% on the gross prize value, plus applicable Health and Education Cess of 4%, resulting in an effective deduction rate of 31.2%. Mygate will deduct the applicable TDS before disbursing prizes. Winners must provide their valid PAN card details to enable TDS deduction and issuance of Form 16A / TDS certificate. For non-cash prizes (including gadgets, vouchers, or experiences), TDS will be calculated on the fair market value of the prize, and the winner must pay the applicable TDS amount to Mygate before the prize is handed over. The net prize value after TDS deduction will be communicated to the winner at the time of prize notification. Winners are solely responsible for filing their own income tax returns and disclosing prize income under the applicable head of income as per the Income Tax Act, 2025.

4. Participation Guidelines

4.1. Users must submit their prediction before the match begins, within the designated prediction window.

4.2. Participation is match-specific. Selecting a team for one match does not automatically enroll users for other matches.

4.3. Users may participate in any number of matches during the season. Missing a match does not affect eligibility for future matches or prizes.

5. Disqualification

Mygate reserves the right to disqualify any participant if:
• They use bots, scripts, or any automated or unfair means to gain advantage
• They attempt to manipulate the system, leaderboard, or outcomes
• They breach any of these Terms and Conditions

All disqualification decisions are final.

6. Liability

6.1. Mygate shall not be responsible for technical issues, server failures, or connectivity problems that may prevent participation or submission of predictions.

6.2. Mygate reserves the right to modify, suspend, or cancel the activity at any time due to unforeseen circumstances.

6.3. Mygate does not endorse or affiliate with any team, player, franchise, or governing body. This activity is not associated, affiliated, endorsed, or sponsored by the Board of Control for Cricket in India (BCCI), the Indian Premier League (IPL), any IPL franchise team, or any individual cricketer or sports body. All team names, franchise names, logos, player names, and related marks referenced in any context are the intellectual property of their respective owners. Mygate makes no claim of association, partnership, or proprietary rights over any such marks. Any reference to cricket matches or teams within this activity is purely for functional/descriptive purposes and does not imply any official affiliation or commercial relationship.

6.4. This activity is a community engagement initiative and does not constitute gambling, betting, or any regulated financial activity.

7. Privacy

7.1. Participation does not require any additional personal data beyond existing Mygate account information.

7.2. Winner names may be used for announcements in app & promotion on social media.

7.3. All data is handled in accordance with Mygate’s Privacy Policy.

8. Links to Third Parties

8.1. The platform may contain links to third-party websites or services, including partners and advertisers. Mygate does not control or endorse these platforms and is not responsible for their content or offerings.

8.2. Users accessing third-party platforms do so at their own risk and should review the respective terms and policies of such platforms.

9. Indemnity

By participating, you agree to indemnify and hold harmless Mygate, its employees, directors, partners, and representatives from any claims, damages, liabilities, or expenses arising from:
• Your use of the platform
• Your violation of these Terms or applicable laws
• Any infringement of third-party rights

This excludes liabilities arising from fraud, misrepresentation, or negligence by Mygate.

10. Amendments

Mygate reserves the right to amend these Terms and Conditions at any time. Continued participation after any update constitutes acceptance of the revised terms.

By participating in Predict & Win, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

We understand that Mygate is conducting an online quiz on its application, wherein users of the Mygate app will participate and respond to questions based on the Indian Premier League (‘IPL’).

• We further understand that among the participants providing correct answers, winners will be shortlisted, and the winnings to be disbursed are wholly in kind which do not involve any cash. Mygate will first procure the articles intended to be distributed as winnings and shall thereafter distribute the same to the selected winners
• The aforesaid incomes are in the nature of winnings from participation in games, and the provisions of Table S. No.1 of Section 393(3) of Income-tax Act, 2025 (‘ITA’) are applicable in that case. Accordingly, tax is required to be deducted at source at the rate of 31.2% (30% plus applicable surcharge and cess) on such winnings where value of winnings being distributed exceeds INR 10,000.
• Further, as per the provisions of the ITA, where winnings to be disbursed are wholly in kind and do not involve any cash component, it is the responsibility of the payer to ensure, prior to the disbursal of such winnings, that the applicable tax is duly deducted and shall be deposited.
• Accordingly, in order to ensure the above, Mygate can either:
• Recover the TDS amount from the winner; or
• Deposit TDS on behalf of the winner. (If such taxes paid are not recovered from the winner later, the same may be required to be borne by Mygate as a cost).
• Further, where the winnings to be distributed are wholly in kind, the amount of tax required to be borne may be computed by grossing up the Fair Market Value (‘FMV’) of the prize using the following formula: Tax = FMV of prize x [31.2% / (100% -31.2%). In this case, the FMV of the winnings may be considered as the purchase price incurred by Mygate for procuring such articles.

11. Governing Law & Dispute Resolution

11.1. These Terms and Conditions shall be governed by and construed in accordance with the laws of India.

11.2. Any disputes arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the competent courts at Bengaluru, Karnataka.

11.3. The parties agree to attempt resolution of any dispute through good-faith negotiation before resorting to formal legal proceedings. If a dispute cannot be resolved within 30 days of written notice by either party, either party may pursue available legal remedies.

12. Grievance Redressal:

12.1. In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Consumer Protection Act, 2019, Mygate has appointed a Grievance Officer to address complaints related to this activity.

12.2. For any complaints, queries, or concerns related to Predict & Win, participants may contact the Grievance Officer at [email protected]

By participating in Predict & Win, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.