1. Introduction
Welcome to HAFMA Bazaar (“Platform”), operated by HAFMA Fintech. By accessing or using our platform, mobile application, or services, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, you must not use the platform.

2. Definitions
“We”, “Us”, “HAFMA”, “Company” refers to HAFMA Fintech.
“You”, “User”, “Member” refers to any individual using the HAFMA Bazaar platform.

3. Eligibility
To access the platform, you must:
Be at least 18 years of age
Have a valid Hafma 360 account
Provide accurate KYC and nominee details

4. Account and Security
You are responsible for maintaining the confidentiality of your login credentials and account information. You must notify us immediately in case of unauthorized access or security breaches.

5. Use of Hafma Points
Hafma Points are not legal tender and have no standalone monetary value.
Points can only be used as partial payment at authorized partner stores, with the balance payable via INR or equivalent gateways.
The redemption percentage is pre-set per store and may vary.
Hafma Points cannot be transferred, refunded, sold, or exchanged for cash.

6. Payments and Integration
All INR payments are securely processed via Secured payment.
HAFMA does not store any card or bank account information directly.
Payment failures or rejections are subject to providers transaction terms and bank policies.
Partial payments via Hafma Points and INR must be completed in a single transaction flow.

7. Data Collection and Usage
By using our platform, you agree to provide the following information, which will be processed as per our Privacy Policy:
PAN, Aadhaar, Passport
Nominee and bank details
Investment and Hafma Point transaction records
Store visit and redemption history
All sensitive data is encrypted and stored securely.

8. Store Partnerships and Deliveries
HAFMA partners with verified brands and outlets for redemption.
We do not handle product availability, quality, pricing, or delivery timelines.
Disputes regarding product, billing, or delivery must be raised directly with the respective store.

9. Cancellations and Refunds
Hafma Points, once redeemed, are non-refundable.
INR refunds are subject to the partner store’s cancellation and return policies.
If a transaction fails before completion, Hafma Points will be restored automatically to the user’s account.

10. Termination and Suspension
We reserve the right to suspend or terminate any user account if:
Fraudulent activity is detected
Terms are violated
Misuse of the Hafma Points system occurs

11. Modifications
We reserve the right to update these Terms at any time. Updates will be reflected on this page and notified via email or app push notification where appropriate.

12. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the courts in Mumbai, Maharashtra.