The rules, in plain language.

About these terms

By using Aubstrac you agree to these terms, our Privacy Policy, our Refund Policy, and any extra terms shown in the app.

Aubstrac provides technology for payments, merchant rewards and support. We are not a bank, broker, portfolio manager or investment adviser.

Your account

• Give us accurate information, including for KYC and your bank account.
• You are responsible for what happens on your account and device.
• We may limit or close an account to protect security, prevent fraud, follow partner rules or the law, or stop misuse.
• Some features need approved KYC, a verified bank account, a supported app version, or a participating merchant.

Payments and merchant rewards

Merchant rewards apply only when you pay through Aubstrac. Paying a merchant directly, outside Aubstrac, does not earn a reward.

Payment status, rewards, settlement and invoices can depend on confirmation from our payment provider, merchant data, fraud checks and reconciliation. Merchants are responsible for their own goods, services, bill amounts and customer service. Aubstrac handles refund review and processing for payments made through Aubstrac.

Refunds

Ask for a refund in the app under Account, Settings, Support, Payment, within 24 hours of a successful payment. A request is not automatic approval. We review each one, and we refund the whole payment rather than parts of it.

• If your payment earned a reward, the reward is taken into account, so the amount you get back can be higher or lower than what you paid.
• Price changes, reward value, or changing your mind are not valid reasons.
• Fraud, duplicate charges, technical failures, chargebacks and your legal rights may be reviewed outside the 24-hour window.

Full details are in the Refund Policy. Nothing here limits your statutory rights.

Digital Gold and Silver

Rewards and purchases of Digital Gold or Silver are provided through our partner Augmont Goldtech Private Limited. Anything we say about gold applies to silver too.

• Buying and selling need approved KYC, live prices, applicable taxes and partner availability.
• A reward is not confirmed until our partner confirms it.
• Confirmed transactions can't be cancelled. Sale proceeds are paid only to your verified bank account.
• If a payout fails, contact support and we'll help resolve it.
• Aubstrac never creates a wallet, stored cash balance, reusable credit or interest-bearing account for you.
• Support can't bypass KYC, bank or fraud checks.
• We don't guarantee any price, reward value, return, liquidity, or that a feature will stay available.

More in our Digital Gold disclosures and in Augmont's terms linked in the app.

Merchants

Merchants need approval, accurate business details, a payout setup and agreement to our operating terms. We may reject, pause or remove a merchant where risk, fraud, settlement, compliance or service issues require it. Confidential commercial terms with a merchant are agreed separately.

Closing your account

You can ask to delete your account, but not while you hold confirmed gold or silver, have a pending buy, sale, payout or redemption, or have an open payment, refund, dispute, KYC or compliance matter. We don't force sales or bypass processing to make an account eligible. See Account deletion.

Some records must be kept for legal, tax, payment, fraud and audit reasons, including with our partners. After deletion the account can't be restored, and the same phone number or PAN can't open a new account for 90 days.

Availability and liability

Aubstrac may be delayed, limited or unavailable because of maintenance, partner or payment-provider outages, app-store rules, network problems, fraud checks or legal requirements. To the extent the law allows, we don't guarantee uninterrupted access, merchant availability, reward value or partner timing.

Contact

Email support@ravoraapps.tech for support, privacy requests and legal notices, or use Support inside the app.