1. Purpose

These Gift Card & Voucher Terms & Conditions ("Terms") govern the purchase, receipt, activation, redemption, use, cancellation, refund, and other permitted activities relating to Gift Cards and Vouchers made available through the Khatriji Platform.

The purpose of these Terms is to establish a transparent and secure framework for the use of Gift Cards and Vouchers and to protect the interests of Customers, Gift Card/Voucher issuers, and the Khatriji Platform.

These Terms form part of the Khatriji Customer Terms of Use.

2. Scope

These Terms apply to Gift Cards and Vouchers offered through the Khatriji Platform, including, where applicable:

• Digital Gift Cards
• Electronic Vouchers
• Brand Gift Cards
• Promotional Vouchers
• Discount Vouchers
• Service Vouchers
• Coupon-based benefits
• Other digital value instruments made available through Khatriji

The specific terms applicable to a particular Gift Card or Voucher may vary according to the issuer, Brand, Product category, promotional programme, and applicable law.

3. Definitions

Gift Card

A digital or electronic value instrument that may be used to purchase eligible Products or services from the applicable Brand, issuer, or Platform, subject to the applicable terms.

Voucher

A digital code, token, coupon, or other electronic instrument that provides an eligible benefit, discount, credit, or redemption right subject to specified conditions.

Issuer

The Brand, company, service provider, or other entity responsible for issuing and/or honouring a particular Gift Card or Voucher.

Redemption

The process of using an eligible Gift Card or Voucher in accordance with its applicable terms.

Gift Card/Voucher Code

The unique alphanumeric or electronic identifier associated with a Gift Card or Voucher.

Customer

Any person purchasing, receiving, holding, or attempting to redeem a Gift Card or Voucher through the Platform.

4. Gift Card & Voucher Principles

Gift Cards and Vouchers shall be made available subject to:

• Applicable Product or service terms
• Issuer-specific conditions
• Stated validity requirements
• Applicable promotional conditions
• Applicable laws and regulations

The terms displayed at the time of purchase or issuance may contain additional conditions applicable to the particular Gift Card or Voucher.

5. Purchase of Gift Cards & Vouchers

Customers may purchase eligible Gift Cards and Vouchers through supported Khatriji channels.

Before completing a purchase, Customers should review:

• Gift Card/Voucher value
• Applicable Brand or issuer
• Validity period
• Redemption method
• Applicable restrictions
• Eligible Products or services
• Applicable cancellation or refund conditions

6. Delivery & Activation

Once payment has been successfully processed, the Gift Card or Voucher may be delivered electronically through the Platform, registered email, mobile application, or another authorised delivery mechanism.

Gift Cards and Vouchers may be delivered electronically.

Depending on the issuer and Product, activation may occur:

• Automatically after successful payment
• Upon issuance
• Upon first redemption
• Through another process specified by the issuer

Customers should not share Gift Card or Voucher codes with unauthorised persons.

Khatriji shall not be responsible for unauthorised use resulting from voluntary disclosure of a Gift Card or Voucher code, except where liability cannot lawfully be excluded.

7. Redemption

A Gift Card or Voucher may be redeemed only:

• Through the designated redemption channel
• Within the applicable validity period
• For eligible Products or services
• In accordance with issuer-specific conditions

Some Gift Cards or Vouchers may be redeemable only on the issuer's own website, application, store, or designated outlet rather than directly on Khatriji.

The applicable redemption instructions shall be displayed or communicated where reasonably practicable.

8. Validity & Expiry

Each Gift Card or Voucher may have a specified validity period.

Customers are responsible for reviewing the validity information before purchase and redemption.

An expired Gift Card or Voucher may become unavailable for redemption, subject to the applicable issuer terms and applicable law.

Where the issuer provides a separate expiry or extension mechanism, that mechanism shall apply.

9. Restrictions

Unless expressly permitted by the applicable issuer or programme terms, Gift Cards and Vouchers may not be:

• Exchanged for cash
• Transferred for unlawful consideration
• Used for prohibited transactions
• Resold through unauthorised channels
• Duplicated or altered
• Used after expiry

Additional restrictions may apply to specific Gift Cards or Vouchers.

10. Relationship with Issuer Terms

Gift Cards and Vouchers may be issued by third parties. Accordingly, the Customer may also be subject to the applicable issuer's:

• Gift Card Terms
• Voucher Terms
• Redemption rules
• Refund rules
• Expiry rules
• Brand-specific restrictions

Where an issuer imposes Product-specific conditions, those conditions shall apply to the extent legally valid and applicable to the relevant Gift Card or Voucher.

11. Gift Card Balance

Where a Gift Card provides a balance-based value, the applicable balance may be displayed:

• On the Khatriji Platform
• Through the issuer's website or application
• At the time of redemption
• Through another authorised channel

The available balance may be reduced by eligible redemptions.

Khatriji may rely on the issuer's balance records where the Gift Card is issued and operated by a third party.

12. Partial Redemption

Where permitted by the applicable issuer, a Gift Card may be used for a transaction having a value lower than the available Gift Card balance.

Any remaining balance may continue to be available for future eligible transactions, subject to:

• Applicable validity
• Issuer-specific conditions
• Redemption restrictions

Some Gift Cards may require full or specific-value redemption and may not support partial redemption.

13. Multiple Gift Cards or Vouchers

Where supported by the applicable issuer or Platform, a Customer may be permitted to use more than one eligible Gift Card or Voucher in a single transaction.

The number or combination of Gift Cards or Vouchers that may be used may be subject to:

• Issuer restrictions
• Transaction limits
• Promotional conditions
• Technical limitations

14. Lost, Stolen, or Compromised Codes

Gift Card and Voucher codes should be treated as confidential.

If a code is lost, stolen, disclosed, copied, or otherwise compromised, the Customer should contact Khatriji or the relevant issuer as soon as reasonably practicable.

Replacement or recovery may not be possible in every case.

Where supported by the issuer, a compromised Gift Card may be blocked or reissued subject to verification and applicable terms.

15. Refunds

Gift Cards and Vouchers are generally intended for redemption rather than cash withdrawal.

Refund treatment may depend upon:

• The reason for the refund
• The applicable issuer terms
• The original payment method
• The nature of the Gift Card or Voucher
• Applicable law

Where a refund is legally or contractually required, it shall be processed through the applicable mechanism.

16. Cancellation

Cancellation of a Gift Card or Voucher purchase may be restricted once the instrument has been:

• Issued
• Activated
• Delivered
• Viewed or disclosed
• Partially or fully redeemed

The specific cancellation conditions applicable to a Gift Card or Voucher shall be displayed or communicated where reasonably practicable.

17. Failed Redemption

A Gift Card or Voucher redemption may fail because of:

• Incorrect code entry
• Expired validity
• Insufficient balance
• Issuer system issues
• Product or service restrictions
• Transaction limits
• Technical problems
• Security restrictions

Customers should verify the redemption information before retrying.

18. Invalid, Duplicate, or Already-Used Codes

A Gift Card or Voucher may not be redeemable where the code:

• Is invalid
• Has already been redeemed
• Has expired
• Has been cancelled
• Has been suspended
• Has been reported as compromised

Khatriji may investigate such cases where reasonably necessary.

Where the Gift Card or Voucher is issued by a third party, the issuer may have final authority regarding its validity and redemption status, subject to applicable law.

19. Promotional Vouchers

Promotional Vouchers may be issued as part of:

• Promotional campaigns
• Customer acquisition programmes
• Referral programmes
• Loyalty programmes
• Special offers
• Service-specific campaigns

Promotional Vouchers may be subject to additional conditions, including:

• Minimum transaction value
• Eligible Products or services
• Limited redemption periods
• One-time use
• Account-specific eligibility
• Non-combinability with other offers

The applicable promotional terms shall govern the relevant offer.

20. Non-Transferability

Unless expressly permitted by the applicable issuer or programme, Gift Cards and Vouchers may not be:

• Transferred between accounts
• Sold
• Assigned
• Exchanged for another Gift Card
• Used for unauthorised commercial purposes

Any permitted transfer shall remain subject to applicable verification and programme conditions.

21. Customer Responsibilities

Customers are responsible for:

• Reviewing Gift Card/Voucher terms before purchase
• Protecting codes and redemption credentials
• Checking validity and applicable restrictions
• Using Gift Cards and Vouchers lawfully
• Reporting suspected fraud or unauthorised use promptly

Customers should retain relevant purchase confirmations and transaction records.

22. Issuer Responsibilities

Where a Gift Card or Voucher is issued by a third party, the issuer remains responsible for matters within its control, including where applicable:

• Issuance
• Validity
• Redemption
• Balance maintenance
• Brand acceptance
• Issuer-side technical processing

Khatriji may facilitate the purchase and delivery of the Gift Card or Voucher but may not control the issuer's independent systems or policies.

23. Fraud Prevention & Misuse

Khatriji may investigate Gift Card or Voucher activity where it reasonably suspects:

• Fraud
• Unauthorised use
• Code manipulation
• Duplicate transactions
• Promotional abuse
• Resale through unauthorised channels
• Other unlawful activity

Khatriji may take reasonable measures to protect Customers, Sellers, issuers, and the Platform.

24. Suspension or Blocking

Khatriji or the applicable issuer may suspend, block, deactivate, or restrict a Gift Card or Voucher where reasonably necessary due to:

• Suspected fraud
• Security concerns
• Unauthorised activity
• Technical errors
• Legal or regulatory requirements
• Violation of applicable terms

Where reasonably practicable, the Customer may be informed of material restrictions.

25. Disputes Regarding Gift Cards & Vouchers

Customers should first raise Gift Card or Voucher-related concerns through the designated Khatriji support channel.

Depending on the nature of the issue, Khatriji may:

• Review the transaction
• Verify purchase records
• Request supporting information
• Coordinate with the issuer
• Facilitate communication between the Customer and issuer

Where the issue relates exclusively to the issuer's independent system, the Customer may also be required to contact the issuer.

26. Customer Support

Khatriji may provide support for issues including:

• Gift Card delivery
• Voucher delivery
• Purchase confirmation
• Transaction references
• Redemption-related enquiries
• Refund status
• Suspected unauthorised activity

The extent of support may depend on whether Khatriji or a third-party issuer controls the relevant service.

27. Privacy

Information relating to Gift Card and Voucher transactions shall be processed in accordance with the Khatriji Privacy Policy and applicable data protection laws.

Information may be used for:

• Transaction processing
• Gift Card/Voucher delivery
• Redemption support
• Fraud prevention
• Customer support
• Legal compliance

Information may be shared with the relevant issuer or service provider where reasonably necessary to complete or support the transaction and as permitted by applicable law.

28. Limitation of Liability

To the maximum extent permitted by applicable law, Khatriji shall not be responsible for losses arising solely from:

• Unauthorised disclosure of a Gift Card or Voucher code by the Customer
• Use of a Gift Card or Voucher contrary to its applicable terms
• Issuer-side service interruptions
• Third-party system failures
• Circumstances beyond Khatriji's reasonable control

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including statutory consumer rights.

29. No Guarantee of Continuous Availability

Gift Card and Voucher services may occasionally be unavailable due to:

• Maintenance
• Technical failures
• Issuer system interruptions
• Payment network issues
• Security incidents
• Force majeure events

Khatriji shall use reasonable efforts to restore affected services where practicable.

30. Policy Amendments

Khatriji may update these Terms to reflect:

• Changes in Gift Card or Voucher services
• New issuers
• Technological developments
• Legal or regulatory requirements
• Security improvements
• Operational changes

Material updates shall be communicated through the Platform or other appropriate official channels.

31. Electronic Acceptance

By purchasing, receiving, activating, or attempting to redeem a Gift Card or Voucher through the Khatriji Platform, the Customer acknowledges and accepts these Terms to the extent applicable.

Additional issuer-specific terms may also apply.

32. No Cash Conversion Unless Permitted

Gift Cards and Vouchers are not generally intended to function as cash or as a general-purpose payment instrument.

Unless expressly permitted by the applicable issuer, programme terms, or applicable law, a Gift Card or Voucher may not be:

• Withdrawn as cash
• Converted into cash
• Transferred to a bank account
• Used as a general-purpose stored-value instrument

33. Regulatory Compliance

Gift Cards and Vouchers shall be offered and administered in accordance with applicable Indian laws and regulatory requirements.

Where a particular Gift Card, Voucher, or stored-value instrument is subject to additional regulatory requirements, the applicable issuer and programme-specific terms shall govern to the extent legally required.

34. Annexure A — Gift Card & Voucher Checklist

Before purchasing or redeeming a Gift Card or Voucher, Customers are encouraged to verify:

• Brand or issuer name
• Gift Card/Voucher value
• Validity period
• Redemption channel
• Eligible Products or services
• Applicable restrictions
• Cancellation and refund conditions

35. Annexure B — Illustrative Redemption Workflow

36. Annexure C — Safe-Use Guidelines

Customers are strongly encouraged to:

• Keep Gift Card/Voucher codes confidential
• Avoid sharing codes on public platforms
• Purchase only through authorised channels
• Verify the redemption website or application
• Avoid responding to unsolicited requests for Gift Card codes
• Report suspected fraud promptly
• Retain purchase records

Khatriji will never require a Customer to publicly disclose a complete Gift Card or Voucher code.

37. Severability

If any provision of these Terms is determined by a court or competent authority to be invalid or unenforceable, the remaining provisions shall continue in full force and effect to the extent permitted by applicable law.

38. Governing Law & Jurisdiction

These Terms shall be governed by the laws of the Republic of India.

Any dispute arising under these Terms shall be subject to the applicable dispute resolution framework contained in the Khatriji Customer Terms of Use and the jurisdiction of competent courts, to the extent permitted by applicable law.

39. End of Terms

These Gift Card & Voucher Terms & Conditions constitute the official framework governing Gift Cards and Vouchers made available through Khatriji and shall remain effective until revised or replaced by OJCT Digicom Private Limited.