Wallet Policy
1. Purpose
This Wallet Policy outlines the terms and conditions governing the use of the COWBERRY Wallet, a prepaid digital payment feature available to registered users of COWBERRY.The policy ensures transparency, security, and clarity regarding the management of wallet funds, refunds, rewards, and transactions within the COWBERRY platform.
2. Definition
The COWBERRY Wallet, (“Wallet”) refers to a digital prepaid balance maintained by the user within their COWBERRY account.
It can be used exclusively for transactions conducted through the COWBERRY website or mobile application.
3. Eligibility
The Wallet service is available only to registered COWBERRY customers with verified contact information and an active account.
COWBERRY reserves the right to deny or suspend wallet access in cases of misuse, fraud, or violation of company policies.
4. Loading Funds
4.1 Users may add funds to their Wallet using UPI, debit/credit cards, net banking, or other approved digital payment methods.
4.2 The maximum load valueis ₹100 per transaction.
4.3 The maximum load value shall be subject to internal limits set by COWBERRY and applicable financial regulations.
4.4 Funds added to the Wallet are credited instantly and are available for immediate use upon successful payment confirmation.
5. Usage of Wallet Balance
5.1 Wallet funds may be used for purchasing products, services, and membership plans offered by COWBERRY.
5.2 Wallet balance cannot be used on any third-party platforms or external merchants.
5.3 If the Wallet balance is insufficient to complete a transaction, users may combine it with other accepted payment methods.
6. Refunds
6.1 Refunds from cancelled or returned orders will be credited directly to the user’s COWBERRY Wallet.
6.2 Refunds are processed automatically once the order cancellation or return has been verified.
6.3 In case of technical delays, refunds may take up to 3–5 business days to reflect in the Wallet.
6.4 Refunds will not be issued in cash or transferred to bank accounts.
7. Validity and Expiry
7.1 Wallet balances remain valid for 6 months from the date of credit.
7.2 Upon expiry, any unused balance shall automatically lapse and cannot be revalidated, refunded, or extended.
7.3 COWBERRY shall not be held liable for any expired or unused balance.
8. Non-Transferability
8.1 The Wallet and its balance are non-transferable and linked exclusively to the user’s registered COWBERRY account.
8.2 Funds cannot be transferred, sold, or assigned to another individual, account, or platform.
8.3 Wallet funds cannot be withdrawn, exchanged, or converted into cash.
9. Cashback and Rewards
9.1 Cashback amounts, promotional credits, and loyalty rewards (including COWBERRY Coins) may be credited to the Wallet.
9.2 Such credits are subject to the terms of the respective promotion or offer and may carry their own validity periods.
9.3 Reward balances may not be exchanged for cash or transferred to other accounts.
10. Failed or Reversed Transactions
10.1 In the event of a failed transaction where the payment amount is deducted from the user’s bank or card account but not reflected in the Wallet, the amount shall be refunded automatically within 3–5 working days.
10.2 Users are required to provide transaction details and proof of payment in case of delays or discrepancies.
10.3 COWBERRY reserves the right to verify and validate claims before issuing a refund.
11. Security
11.1 All Wallet transactions are processed through secured and encrypted payment gateways.
11.2 COWBERRY does not store sensitive payment information such as card numbers or CVV codes on its servers.
11.3 Users are responsible for maintaining the confidentiality of their account credentials and preventing unauthorized access.
12. Notification and Communication
12.1 Users shall receive notifications via email, SMS, or WhatsApp for all Wallet-related transactions, including top-ups, refunds, and expirations.
12.2 It is the responsibility of the user to ensure their contact details are accurate and active to receive updates.
13. Limitation of Liability
13.1 COWBERRY shall not be liable for any unauthorized transactions, losses, or damages resulting from user negligence or account compromise.
13.2 The Wallet balance does not earn interest and is not insured by any financial or regulatory authority.
13.3 COWBERRY reserves the right to suspend or terminate Wallet services in case of suspicious activity or breach of policy terms.
14. Policy Amendments
14.1 COWBERRY reserves the right to modify, update, or discontinue any aspect of the Wallet service without prior notice.
14.2 Any amendments to this policy will be published on the official COWBERRY website.
14.3 Continued use of the Wallet after such updates shall constitute acceptance of the revised terms.
15. Contact Information
For queries or assistance regarding the Wallet, users may contact:
📩Email: customercare@cowberry.com
☎️Customer Care:180012128000(Mon–Sat, 10:00 AM – 7:00 PM)