In respect of any transactions entered into on the StartWin platform, including making a payment to participate in the paid versions of Contest(s), Users agree to be bound by the following payment terms: The payment of pre-designated amount Users make to participate in the Contest(s) is inclusive of the pre-designated platform fee for access to the StartWin Services charged by StartWin and pre-determined participant’s contribution towards prize money pool. Subject to these Terms and Conditions, all amounts collected from the User are held in a separate non-interest earning bank Accounts. The said accounts are operated by a third party appointed by StartWin in accordance with Clause 10 of these Terms and Conditions. From these bank accounts, the payouts can be made to (a) Users (towards their withdrawals), (b) StartWin (towards its Platform Fees). The StartWin reserves the right to charge a Platform Fee, which would be specified and notified by StartWin on the Contest page, being created on StartWin platform, prior to a User's joining of such Contest. The Platform Fee (inclusive of applicable tax thereon) will be debited from the User’s account balance and StartWin shall issue an invoice for such debit to the User. The User may participate in a Contest wherein the User has to contribute a pre-specified contribution towards the Prize Money Pool of such Contest, which will be passed on to the Winner(s) of the Contest after the completion of the Contest as per the terms and conditions of such Contest. It is clarified that StartWin has no right or interest in this Prize Money Pool, and only acts as an intermediary engaged in collecting and distributing the Prize Money Pool in accordance with the Contest terms and conditions. The amount to be paid-in by the User towards the Prize Money Pool would also be debited from the User’s account balance maintained with the Trustee. Any user availing StartWin services are provided with two categories of accounts for the processing and reconciliation of payments: (i) 'Unutilized' Account, (ii) Winnings Account. It is clarified that in no instance the transfer of any amounts in the User's accounts to any other category of account held by the user or any third party account, including a bank account held by a third party: User's winnings in any Contest will reflect as credits to the User's Winnings Account. User’s remitting the amount through the designated payment gateway shall be credited to User’s Unutlized Account’. Each time a User participates in any contest on StartWin platform, the pre-designated amount shall be debited in the User’s account. In debiting amounts from the User’s accounts towards the pre-designated amount of such user shall be debited from the User’s Unutilized Account and thereafter, any remaining amount of participation fee shall be debited from the User’s Winning Account. In case there is any amount remaining to be paid by the User in relation to such User’s participation in any match(s) or Contest(s), the User will be taken to the designated payment gateway to give effect to such payment. In case any amount added by the User through such payment gateway exceeds the remaining amount of the pre-designated amount, the amount in excess shall be transferred to the User’s ‘Unutilized’ Account and will be available for use in participation in any match(s) or Contest(s). Debits from the ‘Unutilized’ Account for the purpose of enabling a user’s participation in a Contest shall be made in order of the date of credit of amounts in the ‘Unutilized’ Account, and accordingly amounts credited into ‘Unutilized’ Account earlier in time shall be debited first. All amounts credited into a User's 'Unutilized' Account must be utilised within 335 days of credit. In case any unutilised amount lies in the 'Unutilized' Account after the completion of 335 days from the date of credit of such amount, StartWin reserves the right to forfeit such unutilised amount, without liability or obligation to pay any compensation to the User. Withdrawal of any amount standing to the User's credit in the Winnings Account may be made by way of a request to StartWin. StartWin shall effect an online transfer to the User's bank account on record with StartWin within a commercially reasonable period of time. Such transfer will reflect as a debit to the User's Winnings Account. StartWin shall not charge any processing fee for the online transfer of such amount from the Winnings Account to the User's bank account on record with StartWin. Users are requested to note that they will be required to provide valid photo identification and address proof documents for proof of identity and address in order for StartWin to process the withdrawal request. The name mentioned on the User's photo identification document should correspond with the name provided by the User at the time of registration on StartWin, as well as the name and address existing in the records of the User's bank account as provided to StartWin. In the event that no bank account has been registered by the User against such User's account with StartWin, or the User has not verified his/her User account with StartWin, to StartWin's satisfaction and in accordance with these Terms and Conditions, and in case the User fails to register a bank account with his/her User Account and/or to verify his/her User Account, StartWin shall not transfer any Winning amounts to the User. Further, in order to conduct promotional activities, StartWin may gratuitously issue Cash Bonus to the User for the purpose of participation in any Contest(s) and no User shall be permitted to transfer or request the transfer of any amount in to the Cash Bonus. The usage of any Cash Bonus issued shall be subject to the limitations and restrictions, including without limitation, restrictions as to time within which such Cash Bonus must be used, as applied by StartWin and notified to the User at the time of issue of such amount. The issue of any Cash Bonus to the user is subject to the sole discretion of StartWin and cannot be demanded by any User as a matter of right. The issue of any Cash Bonus by StartWin on any day shall not entitle the user to demand the issuance of such Cash Bonus at any subsequent period in time nor create an expectation of recurring issue of such Cash Bonus by StartWin to such User. The Cash Bonus granted to the user may be used by such User for the purpose of setting off against the contribution to prize pool in any Contest, in accordance with these Terms and Conditions. The Cash Bonus shall not be withdraw-able or transferrable to any other account of the User, including the bank account of such User, or of any other User or person, other that as part of the winnings of a User in any Contest(s). In case the User terminates his/her account with StartWin or such account if terminated by StartWin, all Cash Bonus granted to the user shall return to StartWin and the User shall not have any right or interest on such points. All Cash Bonus credited in the User account shall be valid for a period of 14 days from the date of credit. The unutilized Cash Bonus shall expire at the end of 14 days from the date of credit. Users agree that once they confirm a transaction on StartWin, they shall be bound by and make payment for that transaction. The User acknowledges that subject to time taken for bank reconciliations and such other external dependencies that StartWin has on third parties, any transactions on StartWin Platform may take up to 24 hours to be processed. Any amount paid or transferred into the User's 'Unutilized' Account or Winnings Account may take up to 24 hours to reflect in the User's 'Unutilized' Account or Winnings Account balance. Similarly, the utilization of the Cash Bonus or money debited from 'Unutilized' Account or Winnings Account may take up to 24 hours to reflect in the User's 'Unutilized' Account or Winnings Account balance. Users agree not to raise any complaint or claim against StartWin in respect of any delay, including any lost opportunity to join any Contest or match due to delay in crediting of transaction amount into any of the User's accounts A transaction, once confirmed, is final and no cancellation is permissible. StartWin may, in certain exceptional circumstances and at its sole and absolute discretion, refund the amount to the User after deducting applicable cancellation charges and taxes. At the time of the transaction, Users may also be required to take note of certain additional terms and conditions and such additional terms and conditions shall also govern the transaction. To the extent that the additional terms and conditions contain any clause that is conflicting with the present terms and conditions, the additional terms and conditions shall prevail.