1. The Promotion

1. “Zabili World Cup Knockout Predictor” (the “Competition”) is a free-to-play prediction competition run by ZABILI MARKETS LTD (the “Promoter,” “we,” “us,” “our”) in connection with the knockout stages of the international football tournament taking place in 2026 (the “Tournament”).
2. By entering, you confirm that you have read, understood and agree to be bound by these Terms & Conditions (the “Terms”) and by our Privacy Notice. If you do not agree, do not enter.
3. The Competition is a game of skill based on predicting match outcomes, combined with a random prize draw (Section 6). It is free to enter and play. No purchase, deposit, wager or payment of any kind is required to enter, to play, or to win, and no real-money stake is ever placed.
4. The Competition is in no way sponsored, endorsed, administered by, or associated with FIFA, any national or international football association, any broadcaster, any team or player, Instagram, Meta, X (Twitter), M-Pesa / Safaricom, or any official Tournament organiser, except as expressly stated. All team names and match references are used for identification purposes only.

2. Eligibility

1. Entry is open to individuals aged 18 years or older at the time of entry.
2. The Competition is open to entrants regardless of location. However, cash prizes are paid as set out in Section 7. Winners must be able to receive payment by the methods we offer; where a winner cannot, payment of an alternative form, or at all, is at the Promoter’s sole discretion.
3. The following persons are not eligible to win a prize: employees, officers, directors, contractors and agents of the Promoter and its group companies, and their immediate family or household members; and any person involved in organising, administering or judging the Competition.
4. One entry per person. Entrants must use accurate, current and complete details. Duplicate, automated, fraudulent or multiple entries (including entries made using multiple accounts, identities, devices or phone numbers by or on behalf of the same person) are prohibited and may be disqualified.
5. Participation is void where prohibited or restricted by law. You are responsible for ensuring that your participation is lawful in your jurisdiction.

3. How to Enter and Play

1. The deadline to lock predictions for each match is the kick-off of that match. All predictions for a match must be submitted and locked before that match begins; once a match kicks off, predictions for it can no longer be made or changed.
2. To enter, you create a free entry by choosing a username and providing a valid email address. On entry you are credited with 10,000 virtual “Zabili Credits.”
3. Zabili Credits have no monetary value, cannot be purchased, redeemed, withdrawn, transferred or exchanged for cash or anything of value, and exist solely to play the Competition.
4. The Competition covers the Round-of-32 matches of the Tournament (the “Games”). For each Game you make a prediction by selecting one of three outcomes — the first team to win, the second team to win, or a draw (a result level at the end of normal play) — and allocating Zabili Credits to that selection.
5. Returns on a correct prediction are credited to your in-game Credit balance as follows: a correct team-win prediction returns twice (2×) the Credits allocated to it; a correct draw prediction returns three times (3×) the Credits allocated to it; an incorrect prediction returns nothing. Allocating more Credits to a prediction does not change the odds of being correct — it only changes how many virtual Credits are returned.
6. You must make a prediction on all available Games and then “lock” your selections to enter. Once locked, predictions are final and cannot be changed. You may change your selections freely up until the moment you lock.
7. Predictions must be locked before the deadline communicated in-app (ordinarily the start of the relevant match). Late, incomplete or unlocked entries are not eligible.

4. Scoring and Ranking

1. Entrants are ranked on a leaderboard by their “Final Score,” which is their total Zabili Credit balance once all Games are resolved, including any verified Bonus Credits (Section 5).
2. Your live, in-app ranking reflects the Credits returned from your predictions only. Bonus Credits (Section 5) are not added to your live score automatically; they are added only after the Tournament, once the Promoter has verified the underlying action.
3. The Promoter determines match results from the official outcomes recognised by the relevant Tournament authority, based on the result at the end of normal play (90 minutes plus stoppage time) unless the app states otherwise for a particular Game. The Promoter’s determination of results, Credits, rankings and winners is final.
4. If a Game is cancelled, abandoned, postponed beyond the Competition period, or its result is otherwise undetermined or reversed, the Promoter may, acting reasonably, void that Game, exclude it from scoring, or otherwise adjust scoring to preserve the fairness of the Competition.

5. Bonus Credits and Social Actions

In addition to predicting, you may complete the following optional actions to earn additional Zabili Credits (“Bonus Credits”). All Bonus Credits are subject to verification by the Promoter after the Tournament and may be withheld if the action cannot be verified or is later undone:

• Providing your social handles (Instagram and/or X): 1,000 Credits. These handles are used only to verify the actions below.
• Following @zabilidotcom on Instagram: 500 Credits.
• Following @zabilidotcom on X: 500 Credits.
• Sharing your prediction card to your Instagram story and tagging @zabilidotcom: 1,000 Credits.

Note: Indicative Bonus Credit values are shown in the app and may be updated. The values above reflect the current configuration.

1. To be eligible for Bonus Credits, the relevant follow must remain active, and the relevant story post must remain public and tagged, at the time the Promoter carries out verification after the Tournament. Marking an action as “done” in the app is a declaration by you and does not by itself award Credits.
2. Completing social actions is entirely optional and is not required to enter, to play, or to win a prediction-based prize. Bonus Credits may help your ranking but are not a condition of entry.
3. Bonus Credits are virtual, have no cash value, and may be withheld or reversed if the underlying action cannot be verified, is later undone (for example, unfollowing or deleting a post), or is found to be fraudulent or non-genuine. The Promoter may cap the number or value of Bonus Credits, or how far a participant can rise on the leaderboard through unverified Bonus Credits, to protect the integrity of the Competition.

6. Prizes

The prize pool is USD 3,000, awarded as follows:

1. The 1st, 2nd and 3rd place prizes are awarded to the highest-ranked eligible entrants on the final leaderboard, by Final Score in descending order. The 26 prizes of USD 50 are awarded by random draw from the pool of all eligible entrants, whether or not they finished near the top of the leaderboard.
2. Ties: Where two or more entrants are tied for a position that affects a cash-ranking prize (1st, 2nd or 3rd), the tied prize(s) will be awarded by random draw (“raffle”) among the tied entrants.
3. An entrant may win no more than one prize. If an entrant who places in the top three is also drawn in the random USD 50 draw, the random prize will pass to the next eligible entrant.
4. No purchase, payment or stake performance is required to be entered into the random draw; all eligible entrants who submitted a valid, locked entry are included automatically. The draw will take place after the Tournament concludes, using a random selection method that gives each eligible entry an equal chance of selection, and the Promoter will keep a record of the result.
5. Prizes are stated in US Dollars, are not transferable, and there is no cash or other alternative except at the Promoter’s discretion. The Promoter may substitute a prize of equal or greater value if circumstances beyond its reasonable control require.
6. Zabili Credits are never themselves a prize and can never be redeemed for cash. Only the USD prizes listed above have monetary value.
7. Entrants are responsible for any taxes, levies or charges that may apply to a prize, and should seek their own advice on their tax position. The Promoter may withhold amounts where required by law and may require completion of tax or identity documentation before paying a prize.

7. Winner Notification and Payment

1. Final Scores are calculated after the official results of all Games are known and after Bonus Credits have been verified. Winners will be determined and contacted after the Tournament using the email and/or phone number provided at entry. Winners may also be announced on the Promoter’s channels (see Section 9).
2. Cash prizes are paid in US Dollars by bank or international transfer, or, at the Promoter’s discretion, paid as the equivalent value in Kenyan Shillings by M-Pesa to the phone number provided by the winner, using the exchange rate applying at the time of payment. You cannot be paid a prize without providing valid payment details capable of receiving the payment. Providing payment details is optional when you enter, but is required in order to receive any cash prize.
3. Any currency-conversion costs, transfer fees, or mobile-money/bank charges may be deducted from or applied to the prize as permitted by law.
4. A winner must respond to the Promoter and provide any reasonably required verification (including proof of age and identity, and confirmation of payment details) within 14 days of the Promoter first attempting to notify them. If a winner does not respond and validly claim within 14 days, cannot be contacted, is found ineligible, or declines the prize, the Promoter may forfeit that prize and, acting reasonably, select an alternative eligible winner.
5. The Promoter will use reasonable efforts to contact winners but is not responsible for entrants’ incorrect, out-of-date or non-functioning contact details.

8. Data Protection and Privacy

To run the Competition we collect and process the following personal data: your chosen username, email address, phone number (if provided), your Instagram and/or X handles (if provided), your country, your predictions and gameplay, and your declarations about social actions. We use this data to:

• administer the Competition, score predictions, and rank entrants;
• verify eligibility and the optional social actions in Section 5;
• contact entrants, identify winners, and arrange and pay prizes;
• prevent fraud, duplicate entries and abuse; and
• comply with our legal obligations.

1. We process this data on the basis of your consent and our legitimate interest in running the Competition fairly, and in order to take steps connected with awarding prizes. Providing data marked optional (such as your phone number or social handles) is your choice, but not providing it may mean you cannot receive a prize or earn certain Bonus Credits.
2. We retain personal data only for as long as necessary to run the Competition, pay and account for prizes, and meet our legal obligations, after which it is deleted or anonymised. We do not sell your personal data.
3. We process personal data in accordance with the Data Protection Act, 2019 of Kenya. You have rights in respect of your personal data, including to access, correct, or request deletion of it, and to withdraw consent. To exercise these rights, contact us at gm@zabili.com.
4. Verifying social actions involves viewing publicly available information on your Instagram and X profiles (for example, whether the accounts in Section 5 are followed, and whether a tagged public story was posted). We do not obtain access to your social-media account credentials.

9. Publicity

1. By accepting a prize, a winner agrees that the Promoter may publish their username (and, with the winner’s separate consent, other details) and announce them as a winner on the Promoter’s website and social-media channels, for the purpose of administering and promoting the Competition.
2. We will not publish a winner’s phone number, email address or full identity without their consent.

10. Conduct, Fair Play and Disqualification

1. The Promoter may disqualify any entrant, void any entry, and withhold or reclaim any prize where it reasonably believes the entrant has: breached these Terms; entered fraudulently or through multiple identities, accounts or devices; used bots, scripts or other automated means; tampered with the operation of the Competition or exploited a bug or error; provided false information; or otherwise acted dishonestly or in bad faith.
2. If a technical error results in Zabili Credits, scores, or prizes being awarded incorrectly, the Promoter reserves the right to correct the error, including by adjusting balances, recalculating the leaderboard, or reclaiming prizes awarded in error.
3. Any attempt to deliberately damage, manipulate or undermine the Competition may be a breach of law, and the Promoter reserves the right to seek remedies to the fullest extent permitted.

11. Liability

1. The Competition is provided on an “as is” basis. To the fullest extent permitted by law, the Promoter is not liable for: technical faults, network, device, software or connectivity failures; entries or actions that are lost, delayed, corrupted or not recorded; or any error in the Tournament, its results, or third-party platforms (including Instagram, X and M-Pesa), or any change to, postponement, or cancellation of matches by the relevant authorities.
2. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, or for fraud.
3. The Promoter’s total liability to any entrant in connection with the Competition will not exceed the value of the prize that the entrant was eligible to win.

12. Changes, Suspension and Cancellation

1. The Promoter may amend these Terms, or suspend, modify, postpone or cancel the Competition, where it is reasonably necessary to do so (for example, due to circumstances beyond its reasonable control, including changes to the Tournament schedule, technical issues, suspected fraud, or legal or regulatory requirements). Where reasonably practicable, the Promoter will give notice of material changes in-app or on its channels. The version of these Terms in force at the time of your entry governs your participation.

13. General

1. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in force.
2. No failure or delay by the Promoter in enforcing any provision is a waiver of its rights. You may not transfer your rights or obligations under these Terms; the Promoter may assign or transfer its rights to an affiliate or successor.
3. Where any licence, permit, or notification is required for a prize competition or promotional draw in an applicable jurisdiction (including, in Kenya, any requirement of the Betting Control and Licensing Board), the Promoter will comply with that requirement.
4. These Terms, and any dispute arising out of or in connection with the Competition, are governed by the laws of Kenya, and the parties submit to the exclusive jurisdiction of the Kenyan courts.
5. These Terms, together with the Privacy Notice, are the entire agreement between you and the Promoter in relation to the Competition.

14. Contact