Wallet & CapCoin Policy

📌 Overview & Scope

CapHanu Enterprise may provide wallet balance, store credit, refund credit, promotional credit, CapCoins, loyalty points, VIP Club benefits, referral rewards, affiliate-linked benefits, gift card value, coupons, cashback-style credits, support credits, and similar customer benefit systems. These features are designed to improve customer convenience, reward genuine shopping activity, support refunds, and provide platform-based benefits.

This Wallet & CapCoin Policy applies to all customers, users, sellers where relevant, referral users, affiliate participants, VIP members, support credits, promotional campaigns, refunds, returns, cancellations, and any transaction where CapHanu Wallet or CapCoin is used, earned, reversed, blocked, adjusted, or redeemed.

👛 CapHanu Wallet Scope

CapHanu Wallet may be used to hold eligible store credits, refund credits, support credits, gift credits, promotional credits, cashback-style credits, manual adjustments, or other approved balances. Wallet usage may be limited to purchases or services available on CapHanu Enterprise.

• Wallet balance may be usable only on eligible products, categories, order types, or customer accounts.
• Wallet usage may be blocked for restricted products, seller-specific products, COD orders, digital products, custom orders, or B2B orders where rules require.
• Wallet may not be transferable, resellable, assignable, rented, or exchanged outside official platform rules.
• Wallet balance may be corrected or reversed if credited by error, duplicate processing, fraud, misuse, cancellation, or policy breach.

➕ Wallet Credit, Top-up & Manual Adjustment

Wallet balance may be added through eligible refund, order cancellation, return approval, support adjustment, promotional campaign, gift card redemption, loyalty campaign, customer service resolution, or payment/top-up feature if enabled by the platform.

• If wallet top-up is enabled, the top-up may be subject to payment gateway confirmation, transaction limits, KYC/risk checks, gateway charges, refund rules, and fraud review.
• Top-up or wallet credit may be refused, delayed, held, or reversed if payment is suspicious, failed, disputed, chargeback-linked, duplicate, or unauthorized.
• Manual wallet credits issued by support may be subject to purpose, validity, order linkage, category restriction, or internal approval.
• Promotional wallet credits may have expiry and may not be available for withdrawal or transfer.
• Wallet credit generated by technical error or duplicate issue does not create permanent entitlement.

Wallet balance shown in the customer account is subject to system verification. If mismatch is found due to technical error, refund dispute, chargeback, campaign error, or security review, CapHanu Enterprise may correct the balance.

🪙 CapCoin Earning Rules

CapCoin is a CapHanu Enterprise loyalty/reward feature that may be awarded for eligible purchases, campaigns, referral activity, reviews, milestones, VIP tier activity, support goodwill, special events, or other approved customer actions. CapCoin is promotional in nature and does not represent cash, currency, deposit, or investment value unless specifically stated by the platform.

CapCoins may be pending, blocked, reversed, expired, or cancelled until eligibility is confirmed. CapHanu Enterprise may decide earning value, validity, eligibility, and credit timing for each campaign or order type.

🛒 Wallet & CapCoin Redemption Rules

Wallet balance and CapCoins may be redeemable only according to platform rules shown at checkout, customer dashboard, or campaign page. Redemption value, maximum usage, minimum order value, category restrictions, payment method restrictions, and expiry may vary.

• CapCoins may not always equal cash value. Conversion value may be decided by CapHanu Enterprise and may change by campaign.
• Wallet and CapCoin usage may be limited per order, per day, per account, per product, per category, or per campaign.
• Some products may be excluded, including custom products, digital products, seller-specific products, B2B/wholesale orders, gift cards, high-risk categories, or restricted categories.
• Wallet/CapCoin may not be combinable with all coupons, discounts, cashback-style benefits, referral rewards, or affiliate campaigns.
• Partial redemption may be allowed where the remaining amount is paid through approved payment method.
• Redemption may be disabled for accounts under fraud review, payment dispute, abnormal return pattern, or policy violation.

The final applicable redemption amount shown at checkout will generally apply. If an error, technical glitch, or misuse is found, CapHanu Enterprise may correct, reverse, cancel, or adjust the transaction.

⏱️ Expiry, Limits, Hold & Balance Validity

Wallet credits and CapCoins may have expiry dates, usage limits, holding periods, pending status, lock periods, or campaign-specific validity. Expiry rules may vary by credit type.

• Refund wallet credits may have different validity from promotional credits.
• Promotional CapCoins may expire earlier than earned loyalty CapCoins.
• CapCoins linked to delivered orders may remain pending until return/refund window is closed.
• CapCoins linked to referrals may remain pending until referred order becomes valid.
• Expired CapCoins, expired wallet credits, or expired vouchers may not be restored unless platform approves in exceptional cases.
• CapHanu Enterprise may set maximum wallet balance, maximum daily redemption, maximum CapCoin redemption, or transaction limits for security and business reasons.

🔁 Refund, Cancellation, Return & Reward Adjustment

If an order is cancelled, returned, refunded, replaced, exchanged, disputed, charged back, or found invalid, wallet balance, CapCoins, coupons, cashback-style credits, referral rewards, affiliate rewards, free-shipping benefits, and promotional credits linked to that order may be reversed, recalculated, or adjusted.

Refund mode may depend on original payment source, order status, return approval, customer preference where available, gateway rules, wallet rules, and fraud/risk review.

👑 VIP Club, Loyalty Tier & Milestone Benefits

CapHanu Enterprise may provide VIP Club, loyalty tier, membership badge, milestone reward, special coupon, early access, free-shipping benefit, birthday reward, anniversary reward, bonus CapCoin, premium support, or other benefit programs. Such benefits are promotional and discretionary.

• Tier eligibility may depend on delivered orders, net purchase value, account age, activity, return rate, fraud status, and campaign rules.
• Cancelled, returned, refunded, fake, self-referred, or disputed orders may not count toward tier progress.
• VIP tier can be upgraded, downgraded, paused, reset, or discontinued according to platform rules.
• VIP benefits may be category-specific, account-specific, pincode-specific, campaign-specific, or time-limited.
• Membership benefits cannot be claimed as guaranteed cash or legal entitlement unless expressly stated.

CapHanu Enterprise may change tier names, tier thresholds, reward values, benefit types, expiry rules, and eligibility criteria from time to time.

🎁 Referral, Affiliate & Campaign Reward Linkage

Wallet credits and CapCoins may be linked to referral or affiliate programs. Referral and affiliate rewards are valid only when the activity is genuine, traceable, policy-compliant, and meets the campaign requirements.

• Self-referral, duplicate accounts, family/device/payment manipulation, fake traffic, fake clicks, fake orders, coupon abuse, or bot activity may invalidate rewards.
• Referral rewards may be credited only after referred user completes required action or eligible order successfully passes return/refund window.
• Affiliate rewards may be subject to tracking, attribution window, order validity, category eligibility, cancellation status, and fraud review.
• If the linked order is cancelled, returned, refunded, or disputed, referral/affiliate wallet or CapCoin reward may be reversed.
• CapHanu Enterprise may limit total referral or affiliate reward per user, campaign, account, device, or payment method.

🎫 Gift Cards, Vouchers & Store Credit

Gift cards, vouchers, store credits, coupon codes, or promotional codes may be issued or sold through approved channels. These benefits may be usable only on CapHanu Enterprise and may be subject to validity, account restrictions, minimum order value, category restrictions, and non-transferability.

• Gift cards and vouchers must be protected like sensitive codes.
• CapHanu Enterprise is not responsible for unauthorized use caused by sharing, theft, phishing, or customer negligence.
• Expired, used, blocked, fraud-linked, or cancelled vouchers may not be reactivated unless platform approves.
• Voucher misuse, resale, unauthorized distribution, or fake promotion may lead to cancellation and account action.
• If order is cancelled/refunded, voucher restoration depends on voucher type and expiry rules.

🚫 Transfer, Withdrawal & Cash Value Restrictions

Unless specifically enabled by CapHanu Enterprise and allowed by applicable rules, wallet credits, CapCoins, promotional credits, gift credits, coupons, and loyalty benefits cannot be withdrawn as cash, transferred to bank account, transferred to another user, sold, rented, exchanged outside the platform, used as collateral, or converted into any financial product.

• Promotional credits and CapCoins normally have no independent cash value.
• Refund credits may follow refund policy and payment source rules.
• Support credits may be used only for platform purchases where eligible.
• Wallet balance cannot be used for illegal activity, resale schemes, reward farming, or artificial transaction generation.
• Account closure may affect unused promotional balance or CapCoins according to expiry and policy rules.

🔐 Wallet Security, OTP & Account Protection

Customers are responsible for protecting their login, OTP, password, email account, mobile number, device, browser session, and payment details. Wallet and CapCoin transactions may be protected by security checks, OTP verification, session monitoring, fraud review, device checks, or manual review.

• Do not share OTP, password, account access, UPI PIN, card details, or wallet-related information with anyone.
• CapHanu Enterprise will not ask for OTP, password, UPI PIN, or full card details through calls, SMS, WhatsApp, or unofficial links.
• Report unauthorized wallet use, suspicious login, or account compromise immediately.
• Wallet use may be paused if account security risk is detected.
• CapHanu Enterprise may require verification before restoring access, processing wallet correction, or resolving unauthorized use claim.

🛡️ Fraud, Misuse & Abuse Control

CapHanu Enterprise may monitor wallet, CapCoin, coupon, referral, affiliate, order, return, review, device, payment, and account activity to detect misuse. Abnormal patterns may lead to reward hold, wallet freeze, CapCoin reversal, order cancellation, refund hold, COD restriction, or account action.

• Fake orders, self-orders, referral farming, affiliate abuse, coupon stacking abuse, wallet farming, bot activity, duplicate accounts, and return abuse are prohibited.
• Using multiple accounts, devices, addresses, payment methods, or phone numbers to gain unfair benefits may be treated as misuse.
• Creating orders only to earn CapCoins, referral reward, affiliate commission, or cashback-style benefit is prohibited.
• Returning products repeatedly after earning rewards may lead to benefit reversal and account review.
• Technical glitches, duplicate credits, pricing errors, or reward calculation errors may be corrected and reversed.

CapHanu Enterprise may take necessary action to protect genuine customers, sellers, partners, and the platform ecosystem.

🧾 Tax, Accounting & Record Disclaimer

Wallet credits, CapCoins, promotional rewards, cashback-style credits, referral benefits, affiliate rewards, and gift credits may have tax, accounting, or reporting consequences depending on user type, transaction type, commercial arrangement, and applicable rules.

• Customers are responsible for understanding any tax implication that may apply to rewards or promotional benefits.
• Affiliates, sellers, business buyers, and B2B users may have separate tax reporting responsibilities.
• CapHanu Enterprise may maintain transaction records, reward logs, wallet ledger, refund logs, audit logs, and account activity for business, legal, security, and dispute purposes.
• Incorrect reward credit or ledger mismatch may be corrected after verification.

⚖️ Wallet & CapCoin Disputes

Users may raise wallet, CapCoin, reward, coupon, referral, affiliate, or promotional credit disputes through official support channels. The user must provide order ID, transaction ID, screenshot, campaign detail, date, account details, and clear explanation.

• Disputes must be raised within a reasonable time after the transaction or issue appears.
• CapHanu Enterprise may review order records, payment logs, wallet ledger, reward rules, referral logs, affiliate tracking, device signals, and security logs.
• Rewards may not be issued if campaign terms are not met or tracking is invalid.
• Customer screenshots alone may not override system records, payment records, or campaign rules.
• Final resolution may include correction, credit, reversal, rejection, or account review depending on facts.

🗑️ Account Closure, Dormant Account & Balance Handling

If a customer account is closed, deleted, suspended, inactive, or restricted, wallet and CapCoin handling may depend on balance type, expiry, fraud status, refund status, legal retention needs, and platform rules.

• Promotional credits and CapCoins may expire or be forfeited when account is closed or remains inactive for a long period.
• Refund-linked wallet credit may be handled according to refund policy, payment source, and verification requirements.
• Accounts suspended for fraud, abuse, fake orders, or policy violation may lose promotional benefits and may have wallet blocked until review closes.
• Data and transaction records may be retained where needed for legal, tax, security, fraud prevention, accounting, or dispute purposes.

🔄 Policy Updates & Program Changes

CapHanu Enterprise may update, modify, pause, restrict, discontinue, or replace wallet, CapCoin, loyalty, VIP, referral-linked rewards, affiliate rewards, coupon, voucher, cashback-style, or promotional credit programs at any time for business, legal, security, fraud prevention, or operational reasons.

• Reward values, conversion rates, expiry, eligibility, and redemption rules may change.
• Existing benefits may be honored, adjusted, expired, or restricted according to revised terms and applicable law.
• Campaign-specific terms may override general rules for that specific campaign.
• Continued use of wallet/CapCoin after policy update means user acknowledges the revised policy.

📩 Contact & Support

For wallet balance issues, CapCoin missing credit, refund credit, reward reversal, coupon problem, referral reward, affiliate-linked reward, VIP benefit, gift voucher, unauthorized wallet use, or policy clarification, contact official CapHanu Enterprise support channels with complete details.

Please do not share OTP, password, UPI PIN, card details, or sensitive payment information. Use only official CapHanu Enterprise support channels for wallet and CapCoin help.