What we collect: name, mobile number, email, profile photo (optional), device info, IP, transaction history, task completion logs, KYC documents (Aadhaar/PAN/bank details) where required.
Why we collect: to provide services, process payouts, prevent fraud, personalize content, meet legal obligations.
How we use data: processing payouts, analytics, improving services, targeted offers, compliance.
Sharing: We may share anonymized aggregate data with partners. KYC & bank details will be shared with payment processors and banks for payouts under secure protocols.
Retention: Account and transaction data retained as per regulatory requirements (typically 5–7 years for financial records).
Security: We use encryption, TLS/SSL, secure servers, role-based access. Payment details not stored in plaintext and handled via PCI-compliant payment gateways.
Refund Policy
- • Subscription cancellation: Users can cancel subscription within 2 days (48 hours) after purchase for a full refund. After 48 hours, cancellations will be subject to prorated refund at company discretion.
- • Refund processing time: Refunds processed within 5–7 working days from approval.
- • Refund method: Refunds will be returned to original payment method (bank/UPI/card).
- • Refund method: Refunds will be returned to original payment method (bank/UPI/card).
- • How to request refund: Contact billing@aibajar.com with order id and reason..
Age Criteria & Child Protection clause
- • Eligible Age: 18 years and above..
- • Child safety: No adult/sexually explicit ads or content targeted at minors. The platform will filter explicit categories when user < 18.
Withdrawal & Wallet Policy (AiBajar)
- • Wallet types: AiCash (real withdrawable balance) and AiReward (in-app credits, can be used for in-app purchase, transfers).
- • Minimum withdrawal: ₹100 (settable).
- • Settlement frequency: Withdrawals are processed on Tuesdays; the system groups withdrawals across month and processes 4 settlements per month (i.e., roughly weekly settlements).
- • Processing window: All valid withdrawal requests received before cutoff are scheduled for the next settlement day.
- • Daily withdrawal cap per user: As per your rule, monthly cap is ₹15,000 withdrawable per user. (You can set per-day limits as needed.)
- • KYC: Withdrawals above threshold require completed KYC (Aadhaar / PAN / bank details).
- • Fees: Payment gateway & payout fees may apply and be deducted (transparent in the statement).
- • Disputes: For any missing or delayed payouts contact accounts@aibajar.com with transaction id.
Cancellation & Refund Policy
- • Subscription cancellation: Users can cancel subscription within 2 days (48 hours) after purchase for a full refund. After 48 hours, cancellations will be subject to prorated refund at company discretion.
- • Refund processing time: Refunds processed within 5–7 working days from approval.
- • Refund method: Refunds will be returned to original payment method (bank/UPI/card).
- • Non-refundable items: Rewards already withdrawn; promotional credits; third-party purchases (affiliates) are generally non-refundable unless specifically stated.
- • How to request refund: Contact billing@aibajar.com with order id and reason.
- • (Include a short “Refund exceptions” clause for purchases that unlock rewards used.)
