📋 Terms & Conditions

1. Introduction

Welcome to Apna Bachat - a cashback and wallet management system that connects vendors, customers, and agents. By using our platform, you agree to the following terms and conditions. Please read them carefully before using our services.

By registering as a vendor, customer, or agent, you acknowledge that you have read, understood, and agreed to be bound by these terms.

2. Vendor Terms & Conditions

2.1 Registration

• Vendor must provide accurate shop name, owner name, and WhatsApp number.
• Each vendor receives a ₹100 welcome bonus in their wallet upon registration.
• Vendor must keep their account credentials secure.

2.2 Cashback System

• Vendor sets their own cashback slabs (percentage based on order amount ranges).
• Cashback is calculated on the amount collected from the customer (after wallet deduction).
• Vendor must ensure cashback slabs are configured before creating orders.
• Cashback is credited to the customer's wallet immediately after order creation.

2.3 Platform Fee

• A platform fee (default 3%) is deducted from the vendor's wallet for each order.
• The platform fee is calculated on the amount collected from the customer.
• Vendor must maintain sufficient wallet balance to cover platform fees.
• If wallet balance is insufficient, orders cannot be created.

2.4 Wallet

• Vendor wallet can be recharged via Razorpay payment gateway.
• Wallet balance is used for platform fee deductions.
• Wallet recharge is non-refundable.
• Vendor is responsible for maintaining their wallet balance.

2.5 Customer Data

• Vendor must handle customer data responsibly and not misuse it.
• Vendor must not share customer phone numbers with third parties.
• Vendor is responsible for the accuracy of customer information provided.

3. Customer Terms & Conditions

3.1 Registration

• Customer must provide accurate name and WhatsApp number.
• Customer can be registered by a vendor or agent.
• Customer must keep their account credentials secure.

3.2 Cashback Earning

• Cashback is earned on purchases from registered vendors.
• Cashback percentage depends on the vendor's configured slabs.
• Cashback is credited to the customer's wallet immediately after order creation.
• Cashback can be used as a discount on future purchases from the same vendor.

3.3 Wallet & Cashback Usage

• Customer wallet shows total cashback earned and pending balance.
• Pending balance is automatically used for future purchases via wallet deduction.
• When purchase amount exceeds pending balance, customer pays the remaining amount.
• When purchase amount is less than or equal to pending balance, entire amount is deducted from wallet.
• Remaining balance stays in wallet for future purchases.
• Cashback cannot be directly redeemed or withdrawn by customers.

3.4 Customer Responsibilities

• Customer must provide accurate information.
• Customer must not attempt to fraudulently earn cashback.
• Customer must not create multiple accounts to exploit the system.
• Customer is responsible for keeping their phone number updated.

4. Agent Terms & Conditions

4.1 Registration

• Agent must provide accurate name and WhatsApp number.
• Agent registration is currently available by invitation only.
• Agent must keep their account credentials secure.

4.2 Commission

• Agent earns commission on referred vendors' and customers' transactions.
• Customer referral commission: 0.50% of order amount.
• Vendor referral commission: 0.50% of order amount.
• Commission is credited as pending and becomes available after order completion.

4.3 Withdrawal

• Agent can request withdrawal of pending commission.
• Withdrawal requires UPI ID or bank details.
• Withdrawal requests are subject to admin approval.
• Approved withdrawals are processed by the admin.
• Rejected withdrawals are returned to the agent's pending balance.

4.4 Agent Responsibilities

• Agent must not misrepresent the platform to vendors or customers.
• Agent must not create fake referrals to earn commission.
• Agent must not share misleading information about cashback or commission.
• Agent is responsible for the accuracy of referred user information.

5. Payment Terms

5.1 Razorpay Payments

• All wallet recharges are processed through Razorpay payment gateway.
• Payment methods include UPI, Credit/Debit Cards, and NetBanking.
• Payment is processed in Indian Rupees (INR).

5.2 Refunds

• Wallet recharges are non-refundable once processed.
• In case of payment failure, the amount is automatically refunded by Razorpay.
• For any payment issues, contact support within 7 days.

5.3 Commission Payments

• Agent commissions are paid after admin approval of withdrawal requests.
• Commission payments are made via UPI or bank transfer.
• Processing time may vary based on payment method.

6. WhatsApp Communication

By registering on Apna Bachat, you agree to receive WhatsApp messages from the platform, including:

• OTP verification codes for login and registration.
• Welcome messages upon registration.
• Order and cashback notifications.
• Commission and withdrawal notifications.
• Important platform updates and announcements.

7. Account Rules

7.1 Account Deactivation

• The platform reserves the right to deactivate accounts that violate these terms.
• Inactive accounts may be deactivated after 6 months of no activity.
• Deactivated accounts can be reactivated by contacting admin.

7.2 Account Deletion

• Users can request account deletion by contacting admin.
• Upon deletion, all associated data will be permanently removed.
• Pending wallet balances must be settled before account deletion.

7.3 Prohibited Activities

• Creating fake orders to earn cashback fraudulently.
• Creating multiple accounts to exploit referral bonuses.
• Manipulating cashback calculations.
• Sharing account credentials with others.
• Using the platform for any illegal activities.

8. Privacy Policy

• We collect only the information necessary for platform functionality.
• Your phone number is used for OTP verification and WhatsApp notifications.
• We do not sell or share your personal information with third parties.
• Your data is stored securely in our database.
• We may use anonymized data for platform analytics.

9. Liability Disclaimer

• Apna Bachat is a platform that facilitates cashback transactions between vendors and customers.
• The platform is not responsible for disputes between vendors and customers regarding cashback redemption.
• The platform is not responsible for the quality of products or services provided by vendors.
• The platform is not liable for any financial loss due to misuse of accounts.
• The platform is not responsible for WhatsApp message delivery failures.
• The platform is not liable for any downtime or service interruptions.
• Users are responsible for their own actions on the platform.

10. Changes to Terms

• We may update these terms from time to time.
• Users will be notified of significant changes via WhatsApp or in-app notifications.
• Continued use of the platform after changes constitutes acceptance of the new terms.
• The last updated date will always be shown at the top of this page.

11. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

• 💬 WhatsApp: wa.me/9861614689
• 🌐 Website: apnabachat.com