PinCodeHub

1. Introduction & Acceptance

Welcome to PinCodeHub ("Platform", "we", "us", or "our"). PinCodeHub is a hyperlocal Android marketplace application (package: com.nc.localbazaar) that helps users discover neighborhood shops, travel listings (rides, tickets, and stays), and local service providers.

By creating an account, accessing, or using the Platform, you agree to be bound by these Terms of Service, our Privacy Policy, and all policies referenced herein. If you do not agree, do not use the Platform.

You must be at least 18 years of age and capable of entering into a binding contract under Indian law to use paid features.

2. Definitions

• "User" or "Customer" means any person who browses or uses the Platform.
• "Merchant" means a business owner who publishes a shop or product listings on the Platform.
• "Provider" means a user who publishes travel, ticket, rental, or service listings.
• "Platform Fee" means charges collected by PinCodeHub for marketplace access, listing submission, or promotional services.
• "Listing Fee" means the fee payable before a travel or service listing is submitted for admin review.
• "Payment Processor" means Razorpay Software Private Limited and its authorised payment partners.

3. Account Registration & Security

• You must register with a valid email address, password, name, and contact phone number.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• You agree to provide accurate, current, and complete information and to update it when it changes.
• We may suspend or terminate accounts that contain false information, impersonate others, or violate these terms.
• One person may not maintain multiple accounts to evade fees, moderation, or restrictions.

4. Platform Services

PinCodeHub provides discovery, listing, and communication tools. We are a technology platform — not the seller of merchant inventory, not a travel operator, and not the employer of service providers unless explicitly stated.

Transactions for physical goods between customers and merchants happen outside the Platform unless a future in-app checkout feature is expressly offered. Merchants and providers are solely responsible for fulfilment, quality, pricing accuracy, and compliance with applicable laws.

• Browse shops, products, travel options, and service providers near your location.
• Merchants may publish shops subject to admin approval and applicable Platform Fees.
• Providers may submit listings subject to Listing Fees and admin approval.
• Users may raise concerns, leave reviews where enabled, and manage account settings in-app.

5. Merchant & Provider Obligations

• Merchants must list only lawful products and services, with accurate descriptions, prices in Indian Rupees (INR), and truthful shop details.
• Providers must publish accurate travel, ticket, rental, or service information including routes, dates, pricing, and contact details.
• Prohibited content includes illegal goods, counterfeit items, weapons, drugs, adult content, hate speech, fraud, and misleading claims.
• Merchants and providers must comply with GST, trade licences, transport regulations, and other laws applicable to their business.
• We may remove listings, reject submissions, or suspend accounts without prior notice for policy violations or legal risk.
• Admin approval decisions for listings and shops are final during the current release phase, subject to support review for clear errors.

6. User Conduct

• Use the Platform respectfully. Harassment, abuse, spam, or attempts to circumvent fees or moderation are prohibited.
• Do not scrape, reverse engineer, or overload Platform systems.
• Do not upload malware, attempt unauthorised access, or misuse another user's personal data.
• Report violations using the in-app Raise Concern feature where available.
• We may investigate reports and take action including content removal, suspension, or permanent account termination.

7. Payments, Fees & Billing

All Platform Fees are displayed in INR before you confirm payment. By proceeding, you authorise us to charge the stated amount through our Payment Processor.

Payments are processed securely via Razorpay Checkout. We do not store your full card, UPI PIN, or net-banking credentials on our servers.

A payment is complete only after successful authorisation and server-side verification of the Razorpay order ID, payment ID, and signature.

• Failed or cancelled payment attempts are not charged.
• If your bank shows a pending debit without Platform confirmation within 72 hours, contact support@pincodehub.app with your Razorpay payment reference.
• We may introduce taxes, payment surcharges, or revised pricing in accordance with applicable law. Updated fees will be shown before checkout.

8. Refunds & Cancellations

This section governs Platform Fees paid to PinCodeHub. It does not govern private transactions between users and merchants/providers unless expressly stated in a future order flow.

Refund requests must be emailed to support@pincodehub.app within 7 calendar days of payment, including your registered email/phone, payment ID, and reason.

• Duplicate charge: Full refund after verification.
• Payment successful but service not activated due to a technical error on our side: Full refund or service activation at your choice.
• Listing Fee — rejected due to Platform error: Refund or account credit.
• Listing Fee — rejected for policy violation or inaccurate submission: No refund.
• Merchant marketplace access — after period started: No refund for change of mind; partial credit may be offered for documented outages exceeding 48 hours.
• Promotional ad fees — after campaign scheduled: No refund for change of mind; refund or credit if rejected before going live due to our error.
• Chargebacks: Initiating a chargeback without first contacting support may result in account suspension pending investigation.
• Refund timeline: Approved refunds are processed to the original payment method via Razorpay within 7–10 business days, subject to bank timelines.

9. Listing Moderation & Availability

• Shops, travel listings, service profiles, and advertisements may require manual admin approval.
• We do not guarantee approval, placement, impressions, leads, or sales.
• We may edit, pause, or remove content that violates law, these terms, or community standards.
• Platform availability may be interrupted for maintenance, updates, or events beyond our reasonable control.

10. Privacy Policy

We respect your privacy and process personal data in accordance with applicable Indian law, including reasonable practices aligned with the Digital Personal Data Protection Act, 2023 where applicable.

• Data we collect: name, email, phone number, city/pincode, location coordinates (with permission), profile details, listings, payment transaction references, device/app usage necessary for security, and support communications.
• How we use data: account authentication, hyperlocal discovery, listing moderation, payment verification, notifications, fraud prevention, and legal compliance.
• Location data is used to show nearby shops and listings. We do not sell personal data to third-party advertisers.
• Payment data: Razorpay processes payments. We store order IDs, payment IDs, amounts, purpose, and verification status — not full card or UPI credentials.
• Data storage: Account and listing data is hosted on Supabase (PostgreSQL) with row-level security and access controls.
• Data retention: Account data is retained while your account is active and for a reasonable period thereafter for legal, tax, and dispute purposes.
• Your rights: You may request access, correction, or deletion of your account data by emailing support@pincodehub.app or using in-app deletion — see our Delete Account & Data page for steps and a full list of what is erased.
• Children: The Platform is not directed to users under 18.

11. Third-Party Services

• Razorpay: payment processing subject to Razorpay's terms.
• Supabase: cloud database, authentication, and storage infrastructure.
• Google Play services: device location and app distribution where applicable.
• We are not responsible for outages or policy changes of third-party providers beyond our reasonable integration efforts.

12. Intellectual Property

• The PinCodeHub name, logo, app design, and Platform software are owned by us or our licensors.
• Merchants and providers retain ownership of their own shop names, images, and listing content, and grant us a licence to display and promote that content on the Platform.
• You may not copy, modify, or distribute Platform materials without written permission.

13. Disclaimers & Limitation of Liability

The Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.

We are not liable for acts or omissions of merchants, providers, or other users; offline transactions; travel delays; product defects; or losses arising from reliance on user-generated listings.

• Our total liability for any claim relating to Platform Fees in a given transaction is limited to the amount you paid us for that transaction.
• We are not liable for indirect, incidental, special, or consequential damages.
• Nothing in these terms limits liability that cannot be limited under applicable law.

14. Dispute Resolution & Governing Law

• These terms are governed by the laws of India.
• Parties shall first attempt to resolve disputes amicably by contacting support@pincodehub.app within 30 days of the issue.
• If unresolved, disputes shall be subject to the exclusive jurisdiction of competent courts in India at our principal place of business, unless mandatory consumer protection law provides otherwise.
• You may also refer payment disputes to Razorpay support in accordance with their grievance process.

15. Changes to These Terms

• We may update these terms to reflect legal, product, or payment-flow changes.
• Material changes will be communicated in-app or by email where appropriate.
• The "Last updated" date at the top of this page indicates the current version.
• Continued use after changes become effective constitutes acceptance of the revised terms.

16. Contact & Grievance Redressal

For support, refund requests, privacy queries, or legal notices:

• Email: support@pincodehub.app
• Subject line: "PinCodeHub — [Payments / Privacy / Listing / Other]"
• Include your registered email, phone number, and Razorpay payment ID for payment-related queries.
• We aim to acknowledge grievances within 3 business days and resolve eligible payment issues within 7–10 business days.