IDLC FINANCE PLC

Terms & Conditions

Platform: IDLC Kickstart Fantasy Football | idlckickstart.com

Effective Date: 26 May 2026

Governing Law: People's Republic of Bangladesh

IMPORTANT: Please read these Terms carefully before using the IDLC Kickstart platform. By accessing or using the platform, you agree to be legally bound by these Terms. If you do not agree, please discontinue use immediately.

01 Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and IDLC Finance PLC ("IDLC," "we," "us," or "our") governing your access to and use of the IDLC Kickstart fantasy football platform, including its website at idlckickstart.com and any associated mobile applications (collectively, the "Platform").

By registering an account, accessing the website, downloading the application, or participating in any game, contest, or promotional activity offered through the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

Your use of the Platform constitutes acceptance of these Terms. If you are accepting on behalf of an organisation, you represent and warrant that you have authority to bind that organisation to these Terms.

02 About the Platform

IDLC Kickstart is a fantasy football game platform operated by IDLC Finance PLC, a non-banking financial institution registered and operating under the laws of the People's Republic of Bangladesh. The Platform is designed to provide an entertaining and educational experience for football enthusiasts, incorporating concepts of personal finance and investment literacy.

On the Platform, registered users may:

Create and manage virtual football teams using an allocated virtual budget;
Buy and sell virtual player cards whose values fluctuate based on real-world performance;
Compete in weekly rounds and overall tournaments for prize rewards;
Access financial literacy content and investment tips integrated within the game experience;
Participate in promotions, contests, and special events announced by IDLC from time to time.

All in-game currency, budgets, and player values are virtual and have no real monetary value unless explicitly stated by IDLC as part of a specific promotional offer.

03 Eligibility

To register and participate on the Platform, you must meet all of the following eligibility requirements:

You must be at least 18 (eighteen) years of age, or the age of legal majority in your jurisdiction, whichever is higher;
You must be a resident of Bangladesh or otherwise lawfully permitted to access and use the Platform under applicable law;
You must not be barred or prohibited from using the Platform under any applicable law, regulation, or court order;
You must provide accurate and complete information during registration and agree to keep such information up to date;
You must not be an employee, agent, director, officer, or immediate family member of IDLC Finance PLC or any of its subsidiaries, affiliates, or promotional partners, unless otherwise expressly permitted by IDLC.

IDLC reserves the right to verify eligibility at any time and to disqualify or suspend any user who does not meet these requirements or who has provided false information.

04 Account Registration & Security

To access the full features of the Platform, you must create an account by providing accurate, current, and complete information, including a valid mobile number or email address. Each individual may hold only one (1) account. Creation of multiple accounts by the same individual is strictly prohibited and may result in disqualification and permanent suspension.

You are solely responsible for:

Maintaining the confidentiality and security of your account credentials, including your password;
All activities that occur under your account, whether or not authorised by you;
Notifying IDLC immediately upon becoming aware of any unauthorised access to or use of your account;
Ensuring your contact details remain accurate and current throughout your use of the Platform.

IDLC will not be liable for any loss, damage, or claim arising from your failure to maintain account security or to notify IDLC of unauthorised access in a timely manner.

05 Game Rules & Fair Play

The Platform operates as a skill-based fantasy football game. Specific game mechanics, scoring rules, team selection criteria, transfer windows, and round structures are published on the Platform and may be updated from time to time. By participating, you agree to abide by all posted game rules.

All decisions made by IDLC regarding scoring, player valuations, game outcomes, and prize eligibility are final and binding. IDLC's determination in the event of any dispute shall be conclusive.

You agree to participate in good faith and in accordance with the spirit of fair competition. You must not:

Use automated tools, bots, scripts, or artificial intelligence to make team selections or gain an advantage;
Exploit technical bugs, errors, or vulnerabilities in the Platform;
Coordinate with other users to manipulate scores or game outcomes (collusion);
Misrepresent your identity or impersonate any other person;
Share, sell, or transfer account access to third parties.

IDLC reserves the right to adjust scores, disqualify entries, or alter game outcomes where it determines that technical errors, data feed inaccuracies, or fair play violations have affected results.

06 Prizes & Rewards

IDLC may offer prizes, rewards, or incentives to eligible participants at its sole discretion. The nature, value, and availability of prizes for any specific game season or promotional period will be announced separately on the Platform and through IDLC's official communication channels.

Prizes are non-transferable, non-exchangeable, and have no cash equivalent unless otherwise stated;

Prize winners must be contactable and responsive within fourteen (14) calendar days of notification; failure to respond may result in forfeiture of the prize;

Winners may be required to provide valid identification documents and complete KYC verification before a prize is disbursed;

IDLC reserves the right to substitute any prize with one of equal or greater value without prior notice;

Any applicable taxes, customs duties, or charges associated with receiving a prize are the sole responsibility of the winner;

Employees and agents of IDLC and their immediate family members are not eligible for prizes unless explicitly stated otherwise.

IDLC's decision regarding prize allocation, eligibility, and winner verification is final and no correspondence will be entered into.

07 Intellectual Property

All content available on the Platform, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and the overall look and feel of the Platform, is the exclusive property of IDLC Finance PLC or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws of Bangladesh and international conventions.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial enjoyment in accordance with these Terms. You may not:

Copy, reproduce, distribute, or publicly display any content from the Platform without prior written consent from IDLC;
Modify, adapt, translate, or create derivative works based on Platform content;
Remove, alter, or obscure any copyright, trademark, or other proprietary notices;
Use any IDLC or Kickstart branding, logos, or trademarks without express written authorisation.

Player statistics, match data, and related football content may be sourced from third-party providers and are subject to their respective intellectual property rights.

08 Privacy & Data Collection

IDLC collects, processes, and stores your personal information in accordance with applicable laws of Bangladesh, including the Digital Security Act 2018, and IDLC's Privacy Policy. By using the Platform, you consent to such collection and processing.

The types of data we may collect include but not limited to:

Registration data: name, date of birth, mobile number, email address, and national identification details where required;
Usage data: game activity, session logs, device information, IP address, and browser type;
Communications: correspondence with IDLC support or through in-Platform messaging.

IDLC may use your data to operate the Platform, communicate with you about your account or prizes, conduct fraud prevention, comply with legal obligations, and, where you have opted in, to send promotional communications. IDLC will not sell your personal data to third parties. Please refer to our full Privacy Policy for detailed information on data retention, your rights, and how to exercise them.

09 Prohibited Conduct

You agree not to use the Platform in any manner that is unlawful, harmful, or contrary to these Terms. The following conduct is strictly prohibited:

Engaging in any form of fraud, deception, or misrepresentation in connection with the Platform or any prize claim;
Attempting to gain unauthorised access to any part of the Platform, its servers, or the accounts of other users;
Uploading or transmitting any malicious code, viruses, spyware, or other harmful software;
Harassing, abusing, defaming, or threatening other users or IDLC personnel;
Using the Platform for any commercial purpose or in any way not expressly permitted herein;
Posting or sharing content that is obscene, offensive, defamatory, discriminatory, or in violation of any law;
Attempting to reverse-engineer, decompile, or disassemble any portion of the Platform's software;
Using data scraping, crawling, or similar techniques to extract data from the Platform without IDLC's written consent.

Violation of these prohibitions may result in immediate account suspension, disqualification from prizes, and where appropriate, referral to law enforcement authorities.

10 Disclaimers

The Platform and all content, features, and services are provided on an "as is" and "as available" basis without warranty of any kind. IDLC expressly disclaims all warranties including, without limitation:

Any implied warranties of merchantability, fitness for a particular purpose, or non-infringement;
That the Platform will be uninterrupted, error-free, or free from viruses or other harmful components;
The accuracy, completeness, or timeliness of player statistics, match data, or any other third-party content displayed on the Platform;
That any game results, scores, or rankings are free from technical error.

IDLC does not guarantee that the Platform will be accessible at all times or from all locations. Scheduled and unscheduled maintenance, third-party failures, or events beyond IDLC's reasonable control may result in temporary unavailability.

The financial literacy content provided on the Platform is for general educational purposes only and does not constitute financial advice. Users should seek independent professional advice before making any financial or investment decisions.

11 Limitation of Liability

To the fullest extent permitted under applicable law, IDLC Finance PLC, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with your use of or inability to use the Platform, including but not limited to:

Loss of data, profits, goodwill, or anticipated savings;
Damages arising from reliance on information or content obtained through the Platform;
Unauthorised access to or alteration of your account or transmissions;
Conduct or content of any third party on or through the Platform;
Any technical failure, interruption, or error affecting game results or prize determinations.

Where liability cannot be fully excluded by law, IDLC's total aggregate liability to you shall not exceed the amount, if any, paid by you directly to IDLC in the twelve (12) months preceding the event giving rise to the claim. As the Platform is offered free of charge, this amount shall in most cases be zero (BDT 0).

12 Termination & Suspension

IDLC reserves the right, in its sole discretion and without prior notice, to suspend or permanently terminate your account and access to the Platform if you:

Breach any provision of these Terms;
Engage in any conduct IDLC reasonably considers harmful to the Platform, other users, or IDLC's reputation;
Are found to have provided false or misleading information during registration or prize claim;
Are subject to any legal proceeding that IDLC believes may affect your eligibility to participate.

You may terminate your account at any time by contacting IDLC support. Upon termination, your right to use the Platform ceases immediately, and any associated game data, virtual balances, or pending prizes may be forfeited. Termination does not relieve you of obligations incurred prior to termination.

IDLC also reserves the right to discontinue the Platform, in whole or in part, at any time without liability to users.

13 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the People's Republic of Bangladesh. Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or any game or promotion shall be subject to the exclusive jurisdiction of the courts of Bangladesh.

Before initiating formal legal proceedings, you agree to first contact IDLC's designated support team and attempt to resolve the matter through good-faith negotiation within thirty (30) days. If the dispute is not resolved within that period, either party may pursue available legal remedies.

Nothing in this clause shall prevent IDLC from seeking urgent injunctive or other equitable relief from a competent court in any jurisdiction as may be necessary to protect its rights.

14 Amendments to These Terms

IDLC reserves the right to modify, update, or replace these Terms at any time. When changes are made, we will update the "Last Updated" date at the top of this document and, where the changes are material, provide notice through the Platform or via the contact details associated with your account.

Your continued use of the Platform after any such modifications constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue your use of the Platform and may request account closure by contacting our support team.

It is your responsibility to review these Terms periodically to remain informed of any updates.

15 Contact Us

If you have any questions, concerns, or requests regarding these Terms or your use of the Platform, you may contact us through the following channels:

Company: IDLC Finance PLC

Registered Address: Bay's Galleria (1st Floor), 57 Gulshan Avenue, Dhaka-1212, Bangladesh

Platform Website: idlckickstart.com

Contact Email: info@idlc.com

Corporate Website: idlc.com

Support Hours: Sunday to Thursday, 9:00 AM to 5:30 PM (BST), excluding public holidays

Acknowledgement: By using the IDLC Kickstart Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety.

© 2026 IDLC Finance PLC. All rights reserved. | idlckickstart.com