REFERRAL PROGRAM TERMS & CONDITIONS

2.1 Referrer Rewards

When you refer a friend:

• Your friend gets: ₹50 automatic discount on their first order (minimum order ₹299)
• You get (after friend's order is delivered): ₹100 wallet credit

Milestone Jackpots (Referrer Bonuses):

• 5th successful referral: ₹200 bonus
• 10th successful referral: ₹500 bonus
• 20th successful referral: ₹1,000 bonus
• Monthly Champion (most referrals): ₹5,000 grand prize

2.2 Referee Eligibility

A "valid referee" must meet ALL of the following criteria:

• New Customer: Never registered on GharSe before (email, phone, device, IP all must be new)
• Age 18+: Adult with valid government ID (Aadhaar, PAN, Driver's License)
• Genuine Intent: Places a real order (minimum ₹299 after discount) and takes delivery
• Different Address: Delivery address must be at least 500 meters away from referrer's address (GPS verified)
• Different Payment Method: Cannot use referrer's credit card or bank account

2.3 Reward Fulfillment Timeline

Phase 1: Pending (Immediate)

• When referee signs up using your code, referral is recorded as "PENDING"
• You see "Pending: ₹100" in your referrals dashboard

Phase 2: Verification (Order Delivery + 24 Hours)

• Referee must place an order within 30 days of signup
• Order must be successfully delivered (not cancelled)
• 24-hour fraud check window (AI analysis + delivery confirmation)

Phase 3: Credit (After 24-Hour Hold)

• If all checks pass, ₹100 credited to your wallet
• Jackpot bonuses (₹200, ₹500, ₹1000) credited immediately upon milestone
• Credits can be used for future orders or withdrawn (see Section 6)

4.1 Self-Referral (Most Common Fraud)

Definition: Creating fake accounts to refer yourself.

Detection Methods:

• Device fingerprinting (browser canvas, WebGL, fonts, screen resolution)
• IP address tracking (same WiFi network = flagged)
• Behavioral patterns (typing speed, mouse movements, navigation patterns)
• Payment method analysis (same card on multiple accounts)
• Delivery address proximity (same location = instant flag)

Penalty: ₹50,000 + reversal of all fraudulent credits + permanent ban on all linked accounts

4.2 Fake Account Farming

Definition: Creating multiple accounts using friends'/family's details without their knowledge.

Detection Methods:

• KYC verification after 5 referrals (Aadhaar OTP authentication)
• Phone number verification (OTP must be received by actual person)
• Random video call verification (show ID on camera)
• Delivery person verification (must match ID shown during delivery)

Penalty: ₹1,00,000 + criminal prosecution under IPC Section 420 + IT Act Section 66D (Identity Theft)

4.3 Coordinated Fraud Rings

Definition: Multiple people colluding to refer each other in a circle.

Example: A refers B, B refers C, C refers D, D refers A (circular referral network)

Detection Methods:

• Graph analysis of referral networks (detects circular patterns)
• Time-based clustering (bulk signups within same hour)
• Geo-location clustering (all from same neighborhood)
• Payment method overlap (multiple accounts using same cards)

Penalty: Entire fraud ring banned + ₹2,00,000 penalty split among participants + police FIR filed

4.4 Incentivized Fake Signups

Definition: Paying people ₹10-₹20 to sign up using your code without genuine order intent.

Detection Methods:

• Order completion rate analysis (if <50% of referees place orders = suspicious)
• Social media monitoring (posts advertising "signup for ₹20")
• Delivery confirmation matching (we ask delivery persons if customer seemed genuine)

Penalty: ₹75,000 + forfeiture of all pending rewards + 2-year ban

4.5 Manipulation of Delivery Addresses

Definition: Using slightly different addresses (e.g., "House 123" vs "House 123A") to bypass proximity checks.

Detection Methods:

• GPS coordinate matching (we track exact delivery lat/long)
• Google Maps API address normalization
• Delivery person photo verification (must take photo at delivery location)

Penalty: ₹30,000 + account suspension for 6 months

4.6 Bot/Automation Scripts

Definition: Using automated tools to generate bulk fake signups.

Detection Methods:

• CAPTCHA challenges for suspicious activity
• Rate limiting (max 10 referrals per day)
• Behavioral biometrics (bots have unnatural timing patterns)

Penalty: ₹5,00,000 + prosecution under IT Act Section 43 (Unauthorized access) + permanent ban

5.1 Real-Time AI Monitoring

Our AI system assigns a fraud risk score (0-100) to every referral:

• 0-30 (Low Risk): Automatic approval after 24-hour hold
• 31-60 (Medium Risk): Manual review + phone call verification
• 61-80 (High Risk): KYC verification (Aadhaar OTP) + video call mandatory
• 81-100 (Critical Risk): Immediate flag + account suspension + investigation

Risk Factors That Increase Score:

• Same IP address as referrer (+15 points)
• Same device fingerprint (+25 points)
• Delivery address within 500m of referrer (+20 points)
• Payment method linked to referrer (+30 points)
• Signup and order within 5 minutes (+10 points)
• Email domain is temporary/disposable (+20 points)
• VPN/Proxy usage detected (+15 points)

5.2 KYC Verification (Triggered After 5 Referrals)

Once you reach 5 successful referrals, mandatory KYC verification is triggered:

Step 1: Aadhaar-based eKYC (UIDAI approved)

• Enter your Aadhaar number
• Receive OTP on registered mobile
• System fetches your name, DOB, address from UIDAI

Step 2: Video Call Verification (Random)

• Scheduled video call with compliance officer (5-10 minutes)
• Show your Aadhaar card on camera
• Answer basic questions (how you found out about program, who you referred, etc.)

Step 3: Referral Audit

• We contact 2-3 of your referees to confirm they are real people
• Check their order history and delivery confirmations

Failure to Complete KYC: All pending rewards forfeited + account suspended until verification

5.3 Delivery Confirmation Protocol

To prevent fake orders, our delivery personnel must:

• Take a geotagged photo at delivery location (GPS coordinates embedded in photo metadata)
• Verify customer's phone number matches order (ask to show phone screen)
• Report any suspicious behavior (e.g., customer says "just leave it, I don't care about food")

If delivery person flags an order as suspicious, referral reward is withheld pending investigation.

6.1 Maximum Earnings Limits

To prevent abuse, the following caps apply:

• Daily Limit: Maximum 10 new referral signups per day (rate limiting)
• Monthly Limit: Maximum 50 successful referrals per month
• Quarterly Earnings Cap: Maximum ₹10,000 in wallet credits per quarter (3 months)
• Annual Cap: Maximum ₹40,000 in total referral earnings per year

Exceeding Limits: Additional referrals will NOT earn rewards until next period. This is NON-NEGOTIABLE.

6.2 Wallet Credit Usage

Earned wallet credits can be used for:

• Future Orders: Apply credits at checkout (no minimum, no maximum)
• Gift to Friends: Transfer up to ₹500 per month to other users
• Bank Withdrawal: Withdraw to bank account (see Section 6.3)

6.3 Bank Withdrawal Rules

Eligibility for Withdrawal:

• Minimum ₹500 wallet balance required
• Account must be KYC-verified (Aadhaar + PAN)
• Minimum 10 successful orders placed by you (prevents fraud-only accounts)

Withdrawal Process:

• Request withdrawal via "Wallet" → "Withdraw to Bank"
• Enter bank account details (IFSC, account number, name as per bank)
• Processing time: 5-7 business days
• Withdrawal fee: ₹25 per transaction (covers bank transfer charges)

Tax Compliance (TDS):

• If annual earnings exceed ₹10,000, we deduct 10% TDS (Income Tax Act, Section 194J)
• Form 16 issued annually (by March 31) for tax filing
• Provide PAN card to avoid higher TDS rates

6.4 Reward Expiry

Wallet credits earned through referrals:

• Valid for: 1 year from date of credit
• After 1 year: Unused credits expire (non-refundable)
• Reminder: Email sent 30 days before expiry

8.1 Right to Modify

We reserve the right to:

• Change reward amounts (e.g., reduce from ₹100 to ₹50 per referral)
• Modify eligibility criteria
• Introduce new fraud detection mechanisms
• Terminate the program entirely

Notice Period: 15 days advance notice via email (for material changes)

8.2 Program Termination

If we terminate the program:

• Pending Rewards: Processed as scheduled (if eligible)
• Wallet Credits: Remain valid for 1 year (no expiry acceleration)
• No New Referrals: Referral codes deactivated immediately