Refund, Cancellation & Payout Policy

1. When you get paid

• You are paid only after the product is delivered to our address and your invoice is verified by our team.
• Payout = amount you paid for the deal (up to the deal limit) + the reward shown when you reserved the slot − TDS (if applicable) − any recovery due.
• Target payout time is shown in the app (for example within 48 hours of verification). Bank or UPI delays are outside our control.
• Payouts go only to a bank account or UPI ID in your name, or in cash at our office against a signed receipt where offered.

2. Verification

We check that the product, model, quantity, price, address and invoice match the deal. If something does not match, we may pay a lower amount, ask you for documents, or reject the order. We will tell you the reason in the app.

3. Cancelled orders

• If you cancel or the marketplace cancels before delivery, no payout is due. Your card is refunded by the marketplace/bank, not by Kamaai.
• Please mark the order as cancelled in the app so the slot can be released.

4. Returns

Do not return or request a refund on a deal order once it is delivered to us. If a delivered product is defective, tell us first and we will handle it with you. If a product is returned or refunded to you after we paid you, the full payout for it will be recovered from your wallet or future payouts, or you must pay it back.

5. Cashback recovery

Some marketplace or bank cashback is credited after the order. If the cashback you receive on a deal order is more than the reward we promised, and the deal says the cashback is ours, we may recover the extra from your payout. The deal card shows whether cashback recovery applies.

6. TDS

Where Indian tax law requires, we deduct TDS on the reward or commission part of your payout (not on the reimbursement of your order amount) at the rate in force [CONFIRM SECTION, RATE AND THRESHOLD WITH CA]. If you have not given a valid PAN, a higher rate may apply. TDS is deposited against your PAN and will show in your Form 26AS/AIS. TDS certificates are available on request.

7. Wallet and welcome bonus

Bonuses and referral rewards credited to your wallet can be withdrawn only as described in the Reward & Referral Terms. Wallet balances are not bank deposits and do not earn interest.

8. Disputes

If you disagree with a payout, raise it in the app or at care@kamaai.app within 15 days, with your order ID. We will reply within 7 working days. If unresolved, you can escalate to the Grievance Officer listed in our Privacy Policy.