Payment & Wallet Policy
| 1. Scope and applicability | |
|---|---|
| Legal entity | Trishara Ventures LLP operates Koovira as a multi-module digital platform. |
| Effective date | 05/06/2026. Last reviewed: 05/06/2026. |
| Users covered | Visitors, registered users, merchants, service providers, partners, admins and any person using Koovira services. |
| Policy acceptance | Use of the platform, clicking accept, submitting content, creating listings, onboarding as merchant/partner, or completing payment confirms acceptance of applicable policies. |
| 2. User obligations and prohibited conduct | |
|---|---|
| Accuracy | Users must provide accurate identity, contact, listing, payment, KYC and transaction information. |
| Prohibited content | Users must not upload or share unlawful, harmful, obscene, sexually explicit, paedophilic, invasive of privacy, hateful, defamatory, fraudulent, misleading, infringing, spam, malware or otherwise illegal content. |
| No misuse | Users must not impersonate others, manipulate reviews, scrape data, bypass security, harvest personal data, abuse messaging, evade moderation or use Koovira for fraud. |
| Lawful use | Users are responsible for complying with applicable Indian laws, sector rules, tax, consumer, labour, real estate, transport, payment, advertising and safety obligations. |
| Payment accuracy | Users and merchants must not manipulate amounts, gateway responses, chargebacks, cashback, ledgers or settlement states. |
| Wallet scope | Koovira wallet/credits are subject to platform limits, KYC, anti-fraud checks, settlement rules and applicable payment law. |
| 3. Platform controls and compliance handling | |
|---|---|
| Moderation | Koovira may review, restrict, label, suspend, remove or preserve content/accounts when policy, safety, fraud, legal or technical risks are detected. |
| Security | Koovira uses access controls, audit logs, CSRF/session controls, rate limits, device/session monitoring and other reasonable security practices. |
| Records | Koovira may preserve logs, removed content, acceptance history, reports, transaction records and security events where required for investigations, disputes, fraud prevention or legal compliance. |
| Policy updates | Koovira may update policies with a new version and may require fresh acceptance for material changes. |
| Reconciliation | Transactions, holds, captures, reversals, withdrawals and settlements must reconcile with gateway and wallet ledger records. |
| Regulatory review | Stored value, withdrawal, PPI-like or regulated payment features must be reviewed before production launch. |
| 4. Data, records, complaints and legal requests | |
|---|---|
| Grievance officer | Complaints may be raised through the public Grievance Officer page or in-app report flows. Officer details are managed by Koovira admin settings. |
| Timelines | Koovira aims to acknowledge grievances within the configured SLA and resolve them within the applicable legal/platform timeline, subject to complexity and lawful process. |
| Legal requests | Koovira may act on valid court, government, law-enforcement, CERT-In or authorised agency requests in accordance with applicable law. |
| Privacy requests | Users may request access, correction, deletion, grievance redressal or withdrawal of optional consent, subject to identity verification and lawful retention requirements. |
Updated 2026-06-27 to reflect new platform features.
Pay with Koovira
Where enabled, "Pay with Koovira" lets you complete a checkout using your authenticated Koovira account. You will always see the merchant, amount and order details on a consent/confirmation screen before any payment is initiated.
Wallet credit score
Your Koovira wallet may carry a credit/trust score (on a 0–10 scale) derived from your platform activity. It is used to enable platform features and is not a financial credit rating issued to external bureaus.
Creator payouts
Eligible creators are paid through a monthly, fraud-checked batch process. Earnings are calculated from verified activity for the period; suspected fraudulent or manipulated activity may be withheld pending review. Full terms are in the Creator Monetization & Payout Policy.
GST invoicing & facilitator model
For applicable transactions, tax invoices are issued in accordance with Indian GST rules. Trishara Ventures LLP acts as the platform facilitator between buyers and independent sellers; the seller of record is shown on each invoice.