📋 Terms & Conditions

1. Introduction

Apna Bachat Club is a Software-as-a-Service (SaaS) platform that lets shops (vendors) run their own cashback and reward program. Vendors register on the platform, set their own cashback slabs, and reward their customers on every purchase.

2. Vendor Registration & Accounts

• Shops / businesses (vendors) register on this platform.
• Signup requires: Owner Name, Shop / Business Name, WhatsApp Number (10-digit), complete shop address, Zipcode (6-digit), an optional shop image and a 6-digit PIN.
• The WhatsApp number is verified with a one-time password (OTP) that is valid for 5 minutes. The same OTP flow is used if you ever forget your PIN.
• A ₹100 welcome bonus is credited to the vendor wallet on signup, and a further ₹100 is added every month on the signup anniversary. Nothing is ever deducted or forfeited — any unused bonus stays in your wallet and is carried forward.
• Every new vendor account becomes active only after admin approval.
• You cannot log in while your account is pending or inactive.
• Your PIN is stored only as a secure hash — never share it with anyone.
• A vendor account is non-transferable and cannot be sold or handed over to another vendor.

3. Cashback Slabs

• You decide how much cashback to give, based on the order amount.
• Slabs apply to the order amount (starting from ₹1 — for example ₹1–₹100 → 10%, ₹101–₹300 → 15%, ₹301+ → 20%).
• At least one slab is required — you cannot add an order until a slab is set up in Settings.
• Cashback is calculated when the order is created and credited to the customer's reward balance immediately.

4. Wallet & Platform Fee

• A small platform fee — a percentage, set by the platform and shown on the Add Order screen before you confirm — is charged on every order. The fee is calculated on the amount you actually collect from the customer, that is the order amount after any reward balance the customer uses has been adjusted. This is the SaaS subscription charge.
• The fee is deducted from your vendor wallet. If your wallet balance is less than the fee, the order is blocked until you recharge.
• Wallet recharge is done through Razorpay (UPI / cards) — minimum ₹10.
• Recharge amounts are non-refundable and can only be used to pay platform fees.
• The ₹100 monthly bonus is added automatically to your wallet balance on your signup anniversary. It is spent along with your recharged money to pay platform fees, and any unused amount is never removed — it stays in your wallet for the next month.
• Vendors cannot claim a refund or a double charge on any order or cashback.

5. Orders & Customer Records

• You add an order by entering the customer's WhatsApp number and the order amount from the Add Order screen.
• A customer record contains only a name and WhatsApp number, which the vendor enters.
• When you add an order, the cashback is credited to that customer's reward balance right away.
• Any pending balance the customer already has is automatically adjusted against the new order amount.
• A vendor can see only their own customers and orders — data isolation is strictly enforced.
• You are responsible for ensuring that customers whose details you add have consented to be contacted by you on WhatsApp.

6. Cashback Notifications on WhatsApp

• Between 1 and 24 hours after an order is added, the customer receives a WhatsApp message confirming the cashback (a random delay keeps the message natural).
• Messages are sent from your own shop's WhatsApp number — not from the platform.
• If the same customer shops again within that hour, both purchases are shown in a single message.

7. Gift Rewards (Free)

• Vendors can send gift rewards to a single customer or in bulk to many customers.
• Sending gifts is 100% free — no platform fee is charged on gifts and nothing is deducted from your wallet.
• The customer receives the full gift amount added to their reward balance.
• Gift amount limits per transaction are shown in the app (currently ₹1 – ₹1,00,000).
• Bulk gifts are sent one by one with a safe gap to protect your WhatsApp number.

8. Prohibited Activities

• Adding fake or incorrect customer orders to exploit the cashback system.
• Creating orders for yourself to earn cashback (self-ordering / self-referral).
• Attempting to access another vendor's customer or order data.
• Sharing your login credentials with anyone other than your own staff.
• Using the platform for any unlawful or fraudulent activity.

9. Liability Disclaimer

• Apna Bachat Club provides a tool / platform for vendors to give cashback — it is not an online store and does not sell any goods or services.
• The platform is not responsible for any cashback dispute between a vendor and a customer.
• The platform is not responsible for the quality of products or services offered by a vendor.
• WhatsApp message delivery failures (SIM, network, device or account issues) are outside the platform's control — messages depend on the vendor's own WhatsApp number.
• The platform is not liable for any financial loss caused by the misuse of an account.
• Each vendor is solely responsible for their own actions and for the cashback promises they make to customers.

10. Changes to These Terms

• We may update this document at any time.
• Significant changes will be communicated on WhatsApp.
• Continuing to use the platform after a change means you accept the updated terms.
• The “Last Updated” date is always shown at the top of this page.

11. Contact Us

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

• 💬 WhatsApp: wa.me/8249067577
• 🌐 Platform: Apna Bachat Club