Wallet & Store Credit Terms

The Avyan Bakehouse "Wallet" is exclusively a proprietary, closed-loop merchant store credit and customer advance ledger. Under Paragraph 2.1 of the Reserve Bank of India (RBI) Master Directions on Prepaid Payment Instruments (MD-PPIs), closed-system instruments issued by an enterprise solely for the purchase of goods and services directly from that enterprise, without cash withdrawal or inter-merchant transfer capabilities, are not classified as payment systems requiring RBI authorization. Avyan Bakehouse is not an RBI-authorised PPI issuer or banking company.

1. Purpose & Definition of the Avyan Bakery Wallet

The Avyan Bakehouse Wallet is a feature provided to registered patrons to simplify daily morning bread deliveries. Instead of authenticating repetitive OTP payment steps every morning at 7:00 AM, patrons can maintain a prepaid store balance from which daily sourdough and viennoiserie deliveries are automatically debited upon baking dispatch.

2. Account Eligibility & Top-Up Limits

Every authenticated patron account is automatically provisioned with a private wallet record. In strict accordance with our application architecture (`SubscriptionWalletService`):

3. Permitted Usage & Explicit Restrictions

To comply strictly with Indian trade advance regulations and avoid regulatory misclassification:

4. Automated Delivery Debits & Insufficient Balance

• Atomic Database Deduction: For every scheduled daily delivery, our backend executes a transactional row lock (`lockForUpdate()`), verifying that your available balance covers the delivery subtotal and packaging fee. Upon verification, the exact order amount is debited and marked as `completed`.
• Insufficient Balance Handling: If your wallet balance is less than the scheduled delivery value, the transaction is rejected, the delivery status is flagged as `payment_failed`, and baking dispatch is paused. Patrons can top up their wallet anytime via the patron portal and click "Retry Payment".
• No Negative Balances: Our database strictly forbids negative balances. If a deduction would result in a balance less than zero, the system terminates the transaction atomically.

5. Expiration Rules & Unutilized Balance on Account Closure

Paid Real-Money Balance: Funds added by you via Razorpay do not expire while your account remains active.

Promotional Credits & Courtesy Bonuses: Any complimentary store credits issued by Avyan Bakehouse as goodwill bonuses or tasting rewards may carry a specified validity period (minimum 90 days). Promotional credits are non-refundable and hold zero cash value.

Account Closure & Refund of Unspent Funds: If you relocate or permanently cancel your subscription, you may request a refund of your remaining paid real-money balance. Upon verification by our compliance team, unspent real-money funds are refunded directly to the original payment source (bank account/UPI) within 5 to 7 business days.

6. Ledger Integrity & Duplicate Protection

Every wallet transaction generates a unique `idempotency_key` (such as `credit_pay_XXX` or `debit_delivery_XXX`). If network dropouts or duplicate webhook events occur, our system guarantees that a payment or deduction can never be credited or debited more than once.

For any queries or discrepancies regarding your wallet ledger, please submit a query via our Grievance Redressal Portal or email avyanbakehouse@gmail.com.