Wallet Policy

1. Introduction

The Delhi Malai Chaap Wallet is a digital payment instrument that allows customers and franchise partners to store money for convenient transactions. This policy outlines the terms and conditions governing wallet usage.

2. Wallet Types

2.1 Customer Wallet

• Available to all registered customers
• Can be used for order payments
• Integrated with reward points system
• Minimum balance: ₹0
• Maximum balance: ₹50,000

2.2 Franchise Wallet

• Available to franchise partners
• Used for raw material purchases
• Managed by admin
• No maximum limit

3. Wallet Recharge

3.1 Recharge Methods

• Online Payment: UPI, Credit/Debit Cards, Net Banking
• Admin Credit: Manual addition by administrators
• Refunds: Cancelled order refunds credited to wallet

3.2 Recharge Limits

• Minimum recharge: ₹100
• Maximum per transaction: ₹10,000
• Daily limit: ₹25,000

3.3 Processing Time

• Online payments: Instant (within 5 minutes)
• Admin credits: Within 24 hours
• Refunds: 5-7 business days

4. Reward Points System

4.1 Earning Points

4.2 Using Points

• 1 Point = ₹1 value
• Redeem for discounts or special products
• Browse "Wallet" category for point-exclusive items
• Minimum redemption: 50 points

4.3 Points Validity

• Points valid for 12 months from date of earning
• Expiring points will be notified 30 days in advance
• Expired points cannot be recovered

4.4 Points Restrictions

• Non-transferable between accounts
• Cannot be converted to cash
• No refund for redeemed points
• Points forfeited on account closure

5. Wallet Usage

5.1 Payment Priority

When placing orders with wallet balance:

1. Wallet balance is deducted first
2. Remaining amount charged via selected payment method
3. You can choose to use partial or full wallet balance

5.2 Eligible Transactions

• Food orders (delivery and takeaway)
• Franchise raw material purchases
• Special promotions and offers

5.3 Non-Eligible Transactions

• Cash withdrawals
• Third-party payments
• Transfer to other users

6. Refunds and Cancellations

6.1 Refund to Wallet

Refunds are credited to wallet in these cases:

• Order cancellation (before preparation)
• Failed delivery (our fault)
• Quality issues (verified)
• Incorrect items delivered

6.2 Refund Timeline

• Wallet refunds: Instant to 24 hours
• Original payment method: 5-7 business days

6.3 Partial Refunds

If you paid using wallet + other method:

• Wallet portion refunded to wallet (instant)
• Other payment refunded to original source

7. Wallet Security

7.1 Security Measures

• Password-protected accounts
• Transaction OTP verification (for large amounts)
• Real-time transaction notifications
• Activity monitoring for suspicious behavior

7.2 User Responsibilities

• Keep login credentials confidential
• Report unauthorized transactions within 24 hours
• Review transaction history regularly
• Log out from shared devices

7.3 Fraud Prevention

We reserve the right to:

• Freeze accounts showing suspicious activity
• Request additional verification
• Reverse fraudulent transactions
• Report illegal activities to authorities

8. Transaction History

• View complete transaction history in your account
• Download statements (last 6 months)
• Track wallet balance in real-time
• Receive email/SMS notifications for transactions

9. Wallet Closure

9.1 Voluntary Closure

To close your wallet:

• Contact customer support
• Remaining balance will be refunded
• Reward points will be forfeited
• Processing time: 7-10 business days

9.2 Involuntary Closure

We may close wallets for:

• Violation of terms and conditions
• Fraudulent activities
• Inactivity exceeding 24 months
• Legal requirements

10. Fees and Charges

• Wallet Maintenance: FREE
• Recharge Fee: FREE
• Transaction Fee: FREE
• Refund Processing: FREE

11. Limitations and Restrictions

• Wallet balance cannot be transferred to bank accounts
• No interest earned on wallet balance
• Wallet is not a banking product
• Not insured by DICGC or any regulatory body
• Subject to RBI (Reserve Bank of India) guidelines for PPIs

12. Modifications to Policy

We reserve the right to modify this wallet policy at any time. Changes will be communicated via:

• Email notification
• Website announcement
• In-app notification

Continued use after changes constitutes acceptance.

13. Dispute Resolution

For wallet-related disputes:

1. Contact customer support immediately
2. Provide transaction details and evidence
3. We will investigate within 7 business days
4. Resolution communicated via email/phone

By using the Delhi Malai Chaap Wallet, you agree to these terms and conditions.