Wallet Terms

Nature of the Wallet: the TBuddy Wallet is a closed-loop, prepaid stored-value ledger used solely to pay for services TBuddy provides on its own platform (memberships, boosts, extra daily slots, ad budgets, promo application fees, expiry extensions and reschedules) and to hold escrow for Social Promotions. TBuddy is not a bank, non-banking financial company (NBFC) or a Reserve Bank of India–authorised Prepaid Payment Instrument (PPI) issuer. The Wallet is not a bank account, cannot be used to pay any third-party merchant, and does not earn interest.

Two kinds of balance: your Wallet shows (a) 'Added' balance — money you loaded via UPI top-up, and (b) 'Earned' balance — credit you earned from referrals, ad sales, promotion payouts and platform incentives. The two are tracked separately in the Wallet card and in every transaction receipt.

Added money is NOT withdrawable. Money you added to the Wallet is non-refundable in-app credit. It can only be spent on TBuddy services and cannot be transferred back to your bank account, UPI ID or any third party, except (a) where required by law, or (b) where a top-up was a duplicate captured by our deduplication window.

Only Earned balance is withdrawable. Once your Earned balance reaches ₹100 you may request a payout to your UPI ID from Wallet → Withdraw. When you buy a TBuddy service, the system spends your Added balance first so that your Earned balance is preserved for withdrawal wherever possible.

Top-ups: you add money via UPI. Every top-up is manually verified by our team before it is credited, usually within a few minutes. Top-ups are capped at ₹10,000 per day and ₹1,00,000 per month per account. Unverified users are additionally capped at ₹10,000 total wallet balance until they complete ID + selfie verification. You must declare the lawful source of funds at each top-up and accept these Wallet Terms once, in line with anti-money-laundering norms.

Withdrawal eligibility: withdrawals require a confirmed email, an approved government ID and an approved selfie (basic KYC). Withdrawals are processed within 1–3 business days and are frozen for 24 hours after any top-up as a chargeback-fraud safeguard.

Spend: wallet balance is used automatically when you buy a service or fund an ad. Every credit and debit is logged in your Wallet transaction history with a timestamp and category (top-up, ad_slot, plan, badge, boost, refund, referral, escrow, withdrawal).

Reversal: TBuddy may reverse a wallet credit that was made in error (e.g. a UPI chargeback, a duplicate credit that slipped past the dedupe window, or a payment found to be fraudulent) and, where balance is insufficient, may recover the amount from future top-ups or earnings.

Closure: on account deletion, any positive Earned balance below the ₹100 withdrawal threshold is forfeited; Earned balance at or above the threshold can be withdrawn before deletion. Added balance is forfeited on closure as it is non-refundable in-app credit.

Compliance: this Wallet is operated as an in-app credit system for TBuddy's own services and is not marketed as, or intended to be, a payment instrument for third-party purchases. TBuddy will cooperate with any lawful request from Indian authorities (RBI, FIU-IND, Income Tax, law enforcement) in relation to top-ups, earnings or withdrawals.