Eligibility

• You must be at least 18 years old to open an account on www.udharopay.com and participate in Udharopay offers.
• By using the platform, you confirm that all information provided is accurate and that you are using the service for personal, lawful purposes.

Definitions

• Customer: Individual who creates an account or makes a purchase.
• Udharo Gift Credit: Initial $5 store credit on account creation or first purchase.
• Udharo Store Credit: Additional store credit earned for participation in the Udharo Offer.

Gift Provision

• Every new customer receives a one‑time, non‑repayable $5 Store Credit upon account creation.

Conditions of this store credit:

• Cannot be withdrawn as cash.
• Cannot be transferred to another customer.
• Can only be used for purchases made through the Udharopay platform.
• Udharopay reserves the right to verify new accounts to prevent fraud or duplicate claims.

Udharo Offer (Advance Payment for Bonus Store Credit)

• Customers may choose to participate in the Udharo Offer, where an upfront payment provides a higher-value Store Credit.

Offer Structure

• The offer begins at:
• Pay $5 → Receive higher value Store Credit
• Additional tiers may be offered from time to time. All tiers will clearly display:
• Amount paid
• Store Credit received
• Expiry date (if applicable)
• Any usage restrictions

Important Conditions

• All payments made under the Udharo Offer are non‑refundable, except where required by Australian Consumer Law (ACL).
• Store Credit issued under the Udharo Offer:
  • Cannot be exchanged for cash.
  • Cannot be transferred to another customer.
  • Must be used within the validity period (if a validity period applies).
• Store Credit is applied to eligible purchases only and cannot be used to pay for:
• Tips
• Delivery partner fees (if applicable)
• Third‑party charges outside Udharopay’s control

Transparency & Compliance

• All promotional values will be displayed clearly and prominently.
• No hidden fees or conditions apply.
• Customers will be shown the exact Store Credit balance before checkout.
• Any changes to the offer will not affect Store Credit already purchased.

Credit Usage & Expiry

Credits apply to eligible online partner purchases, are non‑cash, non‑transferable, may not combine with other promos unless stated, and expire 12 months after issuance.

Store Credit Usage

• Customers can choose to use Store Credit at checkout when available.
• If the purchase amount exceeds the Store Credit balance, the remaining amount must be paid using an accepted payment method.
• Store Credit cannot be used to purchase additional Store Credit or participate in new Udharo Offers

Rewards Points

• Customers earn 1 point for every $1 of real money spent on the platform (excluding Store Credit usage).
• Points are calculated on the final amount paid after discounts, credits, or promotions.

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Points:

• Have no cash value.
• Cannot be transferred.
• Udharopay may adjust points in cases of refunds, cancellations, or suspected misuse.
• Customers may redeem 500 Udharopay Points for $5 Store Credit.
• Points are deducted immediately upon redemption and cannot be reversed.

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Credit issued through points redemption:

• Cannot be exchanged for cash.
• Cannot be transferred to another customer.
• Can only be used for eligible purchases on the Udharopay platform.
• Store Credit received through redemption does not earn additional points.
• Udharopay may adjust or cancel redemptions in cases of error, fraud, or misuse.

Fraud Prevention & Fair Use

• Udharopay may suspend or terminate accounts if:
  • Fraudulent activity is suspected.
  • Multiple accounts are created to claim repeated credits.
  • Store Credit or points are obtained or used in a misleading or deceptive manner.

• We may request identity verification where necessary to comply with legal or operational requirements.

Refunds & Consumer Rights

• Payments made under the Udharo Offer are non‑refundable, except where required by Australian Consumer Law.
• If a purchase made using Store Credit is refunded:
• The Store Credit portion will be returned as Store Credit.
• The cash portion (if any) will be refunded to the original payment method.

Nothing in these Terms limits your rights under the ACL.

Liability Limitation

• UdharoPay is not liable for indirect, incidental, or consequential damages arising from the use of the loyalty rewards program.
• Udharopay is not responsible for:
  • Losses arising from misuse of Store Credit or points.
  • Delays or failures caused by technical issues beyond our control.

Changes to the Program

• Udharopay may update, modify, or discontinue the Store Credit system, Udharo Offer, or Rewards Program at any time.
• Changes will not affect Store Credit or points already earned.
• Updated Terms will be published on our platform and take effect immediately unless stated otherwise.
• We may update these Terms at any time. Continued use after changes indicates acceptance.

Privacy

• We collect and use personal data as outlined in our Privacy Policy.
• Data collected includes account information, transaction history, and usage patterns.
• Data is used to manage accounts, process transactions, and improve services.
• We implement security measures to protect your data.
• Your personal information is handled in accordance with our Privacy Policy.
• By using Udharopay, you consent to the collection and use of your data as described in the Privacy Policy.

Contact & Dispute Resolution

• Contact: akorstha@gmail.com. Provide account email and summary for faster resolution.

Acceptance of Terms

• Using the loyalty rewards program constitutes acceptance. Do not use the services if you disagree.

Services

• Udharopay provides marketing and loyalty rewards program services as described on the site.