Gratitude Program

This Reward Programme (hereinafter referred to as the “Galgal Reward Programme”) stipulates the various reward schemes offered by Umunthu System Private Limited, a private limited company having its registered office at 710, Trade Centre, Opposite MTNL Building, Bandra Kurla Complex, Bandra East Mumbai – 400051 (hereinafter referred to as “we”, “us”, “our”, “Company” or “Galgal”), to its end user (hereinafter referred to as “you”, “your”, “User”, “Customer”) in relation to the use of the website www.galgal.money and/or the mobile application ‘Galgal’ available at Android/ iOS platforms (collectively referred to as the “Online Platform”).

Galgal Reward Programme shall include the following programmes:  

  1. Refer & Earn Program
  2. Galgal’s Grand Raffle
  3. Rewards on Monthly Deposits
  4. Visa Card Offers
 
1: REFER & EARN PROGRAM
 

 This Galgal’s Refer and Earn Program (“Referral Program”) and its related services is owned and operated by the Umuthu System Private Limited (“Galgal” or “Company” or “Us” or Our” or “We”) having its registered office at 710, Trade Centre, Opposite MTNL Building, Bandra Kurla Complex, Bandra East Mumbai – 400051. This Referral Program terms and conditions applies to users (referred to as “user”, “users”, “your”, “you” or “referrer”) participating in the Referral Program. By participating in and becoming a member of the Referral Program, you are subject to all terms and conditions of this Referral Program, which are in addition and subject to Galgal’s “Terms of Use” and “Privacy Policy” accessible at galgal. money or its corresponding mobile application/ mobile site (collectively referred to as “Galgal”). By Participating in the Referral Program, you consent, agree and undertake to abide by and be bound to the Referral Program terms and conditions. In any case, you wish to disagree with the terms and condition of this Referral Program, please do not participate in the Referral Program. Galgal, at its sole discretion reserves its right to modify or terminate the Referral Program including the terms and conditions contained herein, in whole or in part, at any time and in any manner, whatsoever, without any obligation to provider any form or limitation to any of its users or Referrers.

  1. Definitions

 

  • “Referrer” means an existing Galgal’s user undertaking the Galgal’ services and making the reference under this Referral Program.
  • “Qualified Referral” means a deposit made by a person (a “Referee”) for Galgal Referral Program by using the referral link.
  • “Referee” any person who enrolls in the Galgal Account services through the Enrolled Referrer’s reference, using the referral link.
 
  1. How it works
  • Both the Referrer and the Referee must be at least 18 years or above age at the time of participating into the Referral Program.
  • The Referrer must share his or her referral link with the Referee.
  • The Referee must click on the Referrer’s referral link and successfully complete the enrolment process of the Referral Program within the timeline as provided on the website and the mobile application, as and when the referral link is generated
  • The Referrer and the Referee shall be eligible for the reward as the Referee downloads and deposits INR 500 in his/her Galgal account wallet within the timeline as provided on the website and the mobile application, as and when the referral link is generated
  • You can earn up to Rs 5,000 Cashback through Refer and Earn. Now earn money by referring your friends to Galgal.
  • Both the Referrer and Referee shall be rewarded with the INR 50, credited in to their respective Galgal account wallets.
  • The referral award is subject to any such amendment’s from time to time as notified on the website displayed as a pop-up disclaimer.
  • The referral reward shall be reflected in your Galgal account within 2-3 days of business days of the successful deposit by the Referee.
  • The Referee must be a new (and not a returning or existing) user. Determining whether a Referee is a new or returning or existing user of Galgal is subject to sole discretion of Galgal.
  • The Referrer is allowed to share their referral link on social media platforms, subject to the condition that the Referee must complete all the enrolment process for the Referral Program within the timeline as provided on the website and the mobile application, as and when the referral link is generated
  • The Referrer must ensure that their social media sharing complies with applicable laws and regulations, must not make any false or misleading claims about the Referral Program or its products/ services. The Referrer is solely responsible for any actions or repercussions resulting from their social media sharing and agrees to indemnify and hold Galgal harmless from any claims arising from it.
  • Galgal does not endorse, approve, or control the content of the Referrer’s social media sharing, and is not responsible for any inaccuracies or misrepresentations contained therein. The Referrer understands and agrees that social media platforms are acceptable for the aforementioned referral, as well as any guidelines or limits surrounding.
 
  1. Other terms applicable:
  • The referral rewards including gift cards are program account credit are non-transferable, and cannot be redeemed or exchanged for cash, credit, or any other merchandise.
  • All referral rewards mentioned are exclusive of applicable taxes.
  • Galgal may, in its sole discretion, to the maximum extent permitted under the applicable laws, cancel the Referral Program at any time; or modify, terminate, or suspend the Referral Program.
  • Galgal or its affiliates will not be 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 Referral Program, 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 Referral Program; (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 Referral Program.
  • Galgal may, in its sole discretion, disqualify any participant found to be: (a) tampering with the entry process or the operation of the Referral Program; or (b) acting in violation of these Referral Program Terms and Conditions; or (c) acting in a disruptive manner or with intent to annoy, abuse, threaten or harass any other person.
  • In case any fraudulent use of the program, Galgal reserves the right to withdraw the referral and any rewards in relation thereof, without any form of notice to the Referrer or Referee.

 

  1. Privacy Notice:
  • Participation in this Referral Program may require you to submit personal information about you and the customers you refer, such as the name, email addresses, and social media account details (as may require). You agree to receive communications from us with regard to the Referral Program, any information collected as a part of this Referral Program shall be confidential subject to Galgal’s Terms of Use and Privacy Policy.
 
  1. Account termination

 

Galgal may terminate you’re your account on the following events or circumstances:

  • Open multiple accounts with different email addresses, for the same person in order to generate additional referral income or rewards.
  • Refer customers using spam or unsolicited e-mails;
  • Use false names, impersonate other people, or otherwise provide false or misleading information to Galgal to generate referrals or referral rewards;
  • Offer incentives to others to register as new user accounts;
  • Violate the terms of this Referral Program any other terms and conditions of Galgal;
  1. Force Majeure
  • This Referral Program is subject to force majeure circumstances including without limitation, floods, natural disasters, war, act of terror, political unrests, technical snags, act of God or any circumstance beyond the reasonable control of Galgal or its affiliates (“Force Majeure Event”).
 
  1. Miscellaneous
  • The Referral Program is governed by the laws of India. You agree that all the decisions related to this Referral Program are binding on you. The Referral Program terms and conditions are subject to the Indian laws and the courts of Mumbai shall have the exclusive jurisdiction in respect of any disputes or any matter arising related to this Referral Program.

 

  1. Disclaimer
  • We reserve the right in our sole discretion at any time and without prior notice to you to add to, remove or otherwise change the terms and conditions of the Referral Program Policy. In case of any amendments to this Referral Program, we will post the updated version of the Referral Program terms and conditions, and you will be deemed to have accepted such changes by continuing to use the Galgal account or the Referral Program after the date of posting the updated terms and of this Referral Program.
 
  1. Queries
  • In case of any grievances, questions or complaints related to this Referral Program, request you to write at [email protected].
 

2. GALGAL’S GRAND RAFFLE

This Galgal’s Grand Raffle Weekly Campaign (“Campaign”) and its related services is owned and operated by the Umuthu System Private Limited (“Galgal” or “Us” or our” or “We”) having its registered office at 710, Trade Centre, Opposite MTNL Building, Bandra Kurla Complex, Bandra East Mumbai – 400051. This Campaign terms and conditions applies to users (referred to as “user”, “users”, “your”, “you” or “Contestant(s)”) participating in the Campaign. By participating in and becoming a member of the Campaign, you are subject to all terms and conditions of this Campaign, which are in addition and subject to Galgal’s “Terms of Use” and “Privacy Policy” accessible at Galgal.money or its corresponding mobile application/ mobile site (collectively referred to as “Galgal”). By participating in the Campaign, you consent, agree and undertake to abide by and be bound to the Campaign terms and conditions. In any case, you wish to disagree with the terms and condition of this Campaign, please do not participate in the Campaign. Galgal, at its sole discretion reserves its right to modify or terminate the Campaign including the terms and conditions contained herein, in whole or in part, at any time and in any manner, whatsoever, without any obligation to provider any form or limitation to any of its users or Contestant(s)s.

By proceeding with the registration, the Contestant(s) hereby acknowledges to have read, understood, and agreed, on an irrevocable basis, to be legally bound by the most recent version of these Terms and Conditions in their entirety and all other applicable laws and regulations, without any limitation or qualification.

  1. CAMPAIGN PERIOD
  • The Campaign will be held between 21st June 2023 to 31st Dec 2023 and the results will be announced on or before 7 days within the conclusion of the Campaign.
  • Galgal shall publish the list of winners on their mobile application or on the website of the Galgal accessible at Galgal.money. The Campaign winners may be asked to present their proof of identity.
 
  1. ELIGIBILITY CRITERIA
    • In order to participate in the campaign, the Contestant(s) must be above 18 (eighteen) years of age, must be a citizen of India, must not have any criminal record nor should be of an unsound mind and must not be an employee of Galgal and its group companies, its affiliate or associate companies, or the relative of any such employee.
  • This Campaign is subject to all applicable laws including but not limited to all the states except where such Campaigns are expressly banned by any such Statute/Notification of the Government (“Prohibited States”). Galgal shall not be liable for any loss or a legal action against such person who participates in the Campaign.
  • The Contestant(s) hereby agrees that his/her failure to comply with the terms and conditions as set-out here in under and any other formalities stipulated by the Galgal during the Campaign Period shall disqualify him/her from participating in the Campaign.
 
  1. CONDITIONS FOR PARTICIPATION
  • To participate in the Campaign, the customer must deposit an amount equal to INR 2000 or more within the specified period before the beginning of such competition.
  • Entries received after the stated closing date shall not be accepted.
  • Galgal shall not accept responsibility for entries that are lost, mislaid, damaged or delayed in transit, regardless of cause, including, for example, as a result of any equipment failure, technical malfunction, systems, satellite, network, server, computer hardware or software failure of any kind.
 
  1. SELECTION PROCESS FOR WINNERS
    • The winners of the Campaign will be selected on a random basis by virtue of a lucky draw that will be conducted in a fair and transparent manner.
  • Galgal shall announce the names of the winners within 7 days from completion of this lucky draw, via a call or SMS at their registered contact number and shall require their confirmation to claim the eligible prize. The list of winners may also be published on the website/app and registered social media platforms. Once a confirmation is received via call/SMS from the winners along with a copy of a government identity card (inter alia Voter ID Card, Aadhar Card, and Driving License) of the winner(s) to confirm the details and address, the eligible reward shall be dispatched within 7 days of receipt of such details. The presentation of valid identity proof on request of Galgal shall be a necessary precondition to the dispatch of any prize.
  • In the event the winners of a prize fail to respond to the Call/SMS sent by Galgal within a period of 15 (fifteen) days or are found to be ineligible or not in compliance with these terms and conditions, the winners will be deemed to have forfeited their right to claim the prize. In such cases, Galgal shall have an absolute right to select a new winner.
  • Galgal ’s responsibility, therefore, shall be limited to informing the winners by call or SMS. Galgal shall not liable to send any follow-up call or SMS to the winners. In case the winner(s) do not receive a call or SMS from the Galgal regarding confirmation to claim their prize, it is their responsibility to inform/contact through the number and/or the e-mail address available on Galgal ’s Website.
  • The Contestant(s) understands and agrees that by merely participating in the Campaign, he/she does not become eligible to claim the prize(s) and it is necessary for the participant to be selected and announced as a winner by the Galgal to claim the prizes mentioned here in below.
 
  1. PRIZE DETAILS
    • The participants who emerge as winners based on the random lucky draw selection in the Campaign shall be entitled to (the prize). The prize shall be distributed in the following manner:
  • Each winner shall be entitled to only 1 prize.
  • The winner(s) of the above prize(s) cannot assign or transfer or exchange their respective prize(s).
  • The prize is non-exchangeable and non-transferable. The gifts for winners are subject to availability and Galgal shall have the sole discretion to modify the gift product or to replace the gift with an alternative prize of equal or higher value if circumstances beyond make it necessary to do so.
 
  1. LIMITATIONS OF LIABILITY AND RELEASE
    • By participating in the Campaign, the Contestant(s) agrees and confirms to indemnify Galgal from any and all claims, damages, or liabilities arising from or relating to your participation in the Campaign and waive all rights to claim any punitive, incidental, consequential, and/ or other damages.
  • Galgal shall not be responsible for the quality of the goods distributed as prize(s) as these goods are not manufactured by it, and will further not be liable for any damage or defect to such goods or for any refund associated with the prizes.
  • The income tax, gift tax or any other statutory tax liability that arises in connection with the prize(s) and is applicable from time to time will be solely borne by the winner(s) of the respective prize(s).
  • No responsibility or liability whatsoever is assumed by Galgal for any technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the Campaign:
  • Hardware or software errors;
  • Faulty computer, cable, satellite, network, electronic, internet connectivity or other online or network communication problems;
  • Errors or limitations of any internet service providers, servers, hosts, or other providers;
  • Garbled, jumbled, or faulty data transmissions;
  • Lost, late, delayed, or intercepted transmissions;
  • Unauthorized human or non-human intervention of the operation of the Campaign, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or
  • Destruction of any aspect of the Campaign, or loss, miscount, misdirection, inaccessibility, or unavailability of the contact number used in connection with the Campaign.
 
  1. RIGHTS & OBLIGATIONS
    • The Galgal ’s decision with regard to the all the matters related to the Campaign will be final and binding on all Contestant(s)s. No further correspondence, appeals, protests, or attempts to dispute the decision will be entertained.
  • The Galgal also reserves the right to extend or discontinue the Campaign or to cancel, change, amend or modify these Terms and Conditions including but not limited to the eligibility criteria, the participation, selection, and duration clauses, at any time during the Campaign Period, at our sole discretion, as may be required in view of any business exigency (ies), or any statutory or regulatory changes and all such changes and amendments shall be binding on the participants.
  • The Galgal reserves the right to refuse entry, or refuse to award the prize to anyone in breach of these terms and conditions.
  • The winners and/ or their legal heirs shall not have any rights/ claims against the Galgal in addition to the prizes they are entitled to.
  • The Galgal reserves all rights to disqualify the Contestant(s) if his/her conduct is contrary to the spirit or intention of the prize draw or competition.
 
  1. FORCE MAJEURE

The Campaign is subject to any force majeure circumstances i.e. any event directly or indirectly resulting from any acts of God including but not limited to fire, flood, earthquake, or other natural disasters, an act of any sovereign including but not limited to war, rebellion, military or usurped power or confiscation, destruction or damage to property, riots, terrorist attacks, lockdowns, and lockouts by or under the order of any government or imposition of government law, judgment, order or decree, sanction, embargo or similar action, blockade, or labour dispute, epidemic, pandemics, accidents, strikes, explosions, or other similar or different contingencies which are beyond the control of the Galgal  which cannot reasonably be forecasted or provided against, and cannot be predicted by men of ordinary prudence. In case of any such force majeure conditions, no liability in whatsoever manner can be attributed to the Galgal.

  1. GOVERNING LAW AND JURISDICTION

These terms and conditions shall be governed and construed in accordance with the laws of India and the courts in New Delhi shall have an exclusive jurisdiction to adjudicate any dispute arising out of this Campaign.

3. REWARDS ON MONTHLY DEPOSIT

  • Eligibility:
  1. Monthly spending of the User should be transacted through UPI (Gpay/Phonepe/Paytm).
  1.  
  • Earnings
  1. Upon fulfilling the eligibility criteria, User shall be entitled to a voucher equivalent to the value upto 2.0 percent for the monthly deposit upto INR 10000 of every INR 100 deposited.
  1.  
  2. Voucher will be credited into the User’s account every Monday of successfully fulfilling the eligibility criteria
  3. Voucher can be redeemed only on the voucher partner’s platform including but not limited to Amazon, Myntra, Bigbasket, Flipkart, Swiggy, The Man Company, Lakme, Nykaa, Bookmyshow, Ola, Vero Moda, Make My Trip, Uber.
  4. Every Voucher shall have the description as to on what terms it is redeemable and what is the expiry date of the voucher. Galgal and the voucher partners offering the voucher shall have the discretion as to the applicability and redemption of the voucher.
  5. Voucher can only be availed by the User and shall not be transferred to any other user.

3. VISA CARD OFFERS

User may also be entitled to the various ‘Visa Card Offers’ offered by VISA. Eligibility for such offers shall be in accordance to the terms and conditions provided by VISA. For more information regarding such offers, User may visit the following link: https://www.visa.co.in/en_in/visa-offers-and-perks/

4. TERMS AND CONDITIONS 

  1. Galgal reserves its right to change, modify or prematurely remove an offer at its own discretion.
  2. Further, Galgal reserves the right to disqualify any User, who does not meet the offer requirements or in case of reasons including but not limited to any misuse of the offer or fraud or suspicious transaction/activity or under any legal requirement or applicable rules and regulations, from receiving any reward or cancel any reward already earned or credited.
  3. In case of a dispute, the final decision to credit / modify the reward lies with Galgal.
  4. Nothing contained herein shall be construed as a binding obligation on Galgal to continue the Galgal Reward Programme or to substitute the Galgal Reward Programme by a similar or a new programme.
  5. The User shall not hold Galgal responsible for any actions, claims, demands, liabilities, losses, damages, costs, charges or expenses, which a User incurs, in normal course of availing the Galgal Reward Programme.
  6. Galgal also reserves the right to discontinue the Galgal Reward Programme without assigning any reasons or without any prior intimation whatsoever. Nothing contained herein shall amount to a commitment or representation by Galgal to continue the Galgal Reward Programme.
  7. Further, Galgal reserves the right, at its sole discretion, to change the mode of the accrual of one or any of the programme.
  8. These Galgal Reward Terms and Conditions shall be in addition to and not in substitution/derogation of the Primary Terms and Conditions.