Rules for using Aubstrac.

Last updated May 16, 2026

Scope

Aubstrac is operated by Ravora Apps (OPC) Private Limited, India. By using Aubstrac, you agree to these terms, the Privacy Policy, and any flow-specific terms shown in the app.

Aubstrac provides technology, payment flow, merchant attribution, support, and reward facilitation. Aubstrac is not a bank, broker, portfolio manager, securities intermediary, or investment advisory service.

Accounts

Accounts and eligibility

• You must provide accurate account, contact, payment, KYC, and support information.
• You are responsible for activity under your authenticated account and device.
• We may restrict, suspend, or close access where required for security, fraud prevention, partner rules, legal compliance, or misuse.
• Features may require KYC, verified bank details, active partner availability, app version support, and successful backend checks.

Deletion

Account deletion

Account deletion is subject to the eligibility process described on the account deletion page. You must fully settle, sell, redeem, or otherwise resolve all Digital Gold/Silver and payment obligations before deletion can be processed.

Deletion is not available while your account has confirmed Gold/Silver holdings, queued or processing Gold/Silver buys, pending sell-to-bank transactions, pending payouts, active redemption orders, or active payment, refund, chargeback, dispute, fraud, KYC, tax, partner, audit, or compliance workflows.

Aubstrac does not perform manual settlement, forced liquidation, position transfer, or bypass processing to make an account eligible for deletion. Records may still be retained where required for legal, tax, payment, fraud, KYC, invoice, payout, dispute, partner, audit, regulatory, or compliance reasons.

Deleting your Aubstrac account does not delete transaction, KYC, invoice, payout, tax, audit, fraud-prevention, dispute, legal, partner, or regulatory records where Aubstrac or its partners are required to retain them. These records are restricted after deletion and are not used to provide normal account access.

Once account deletion is completed, the account cannot be restored. The same phone number or PAN cannot self-serve create another Aubstrac account for 90 days, and any later account must complete fresh KYC. Risk, fraud, dispute, legal, partner, tax, audit, or regulatory holds may require a longer restriction.

Digital Gold/Silver partner records may remain with Augmont or other partners where required for transaction, KYC, invoice, payout, audit, tax, legal, or regulatory obligations.

Payments

Payments and merchant attribution

Eligible merchant rewards require payment through an Aubstrac-linked flow. Direct payments outside Aubstrac may not be attributable to an Aubstrac merchant campaign.

Payment status, reward eligibility, settlement, invoice availability, and support handling can depend on payment-provider confirmation, merchant data, fraud checks, partner availability, and backend reconciliation.

Merchants remain responsible for the products, services, bill amounts, ordinary refunds, and customer service issues relating to their own business. Aubstrac handles Aubstrac-linked payment status, reward status, and app support.

Digital Gold

Digital Gold and Silver rewards

Where Aubstrac offers eligible Digital Gold or Silver rewards, execution is powered by Augmont Goldtech Private Limited through Aubstrac's partner integration. Augmont is the Digital Gold/Silver provider.

References to Digital Gold rules also apply to Digital Silver where Silver is offered in the app, using the respective metal's live prices, GST or other tax treatment, balances, invoices, sale-back, and redemption rules.

• Digital Gold/Silver features are subject to KYC, partner terms, live metal-specific prices, GST and other taxes, availability, execution status, and reconciliation.
• Direct Digital Gold/Silver buy and sale-back require approved KYC. Non-approved, pending, rejected, missing, or unverifiable KYC states cannot proceed.
• Queued or processing rewards are not confirmed Digital Gold/Silver holdings until partner execution or reconciliation confirms them.
• Confirmed buy, sell-back, and redemption steps are irreversible where shown in the app or partner terms.
• Sale-back is subject to a 48-hour sale lock, approved KYC, fraud checks, Augmont confirmation, one active payout at a time, and payout only to the customer's verified bank account.
• If a Digital Gold/Silver sale-back is confirmed, the sold metal is deducted and cannot be treated as sellable again. If the bank payout fails, the sold amount remains pending settlement and must be resolved through Aubstrac support or the verified bank-account flow.
• Aubstrac may restrict further sale-back if multiple payout failures or unresolved settlement claims exist, or if the same bank details repeatedly fail.
• No Aubstrac wallet, stored cash balance, reusable credit, deposit account, interest-bearing account, or third-party account is created for sale-back proceeds.
• Aubstrac support cannot bypass KYC, sale-lock, bank-account, fraud, partner, or payout controls.
• Physical redemption is limited to selected in-app products and may involve redemption charges, delivery charges, taxes, stock availability, serviceable pin codes, delivery attempts, and invoice availability.
• Aubstrac does not guarantee gold or silver price, reward value, return, timing, liquidity, or future availability of any Digital Gold/Silver feature.

SEBI PR No. 70/2025 cautions the public that Digital Gold/E-Gold products offered by online platforms are different from SEBI-regulated gold products, operate outside SEBI's securities-market purview, and do not receive securities-market investor protection mechanisms.

Aubstrac includes this caution because transparent disclosure is part of the product. Our Augmont integration is built with a partner whose own materials describe the Augmont app as India's First Exclusive Gold Buying App; you can also learn more at augmont.com. Aubstrac's purpose is to help users build healthier saving habits around everyday spending through documented KYC, live pricing, applicable taxes, invoices, settlement checks, and user-visible terms. These products are not presented as SEBI-regulated investments, and Aubstrac does not guarantee returns.

Additional Digital Gold disclosures are available in Aubstrac Digital Gold disclosures and Augmont's terms where linked in the app.

Merchants

Merchant participation

Merchant participation requires approval, accurate outlet and business details, campaign configuration, payout setup where applicable, and compliance with agreed operational terms. Aubstrac may reject, pause, or remove merchant access where risk, fraud, settlement, compliance, or service issues require it.

Limits

Service availability and liability

Aubstrac may be unavailable, delayed, limited, or changed due to maintenance, partner outages, payment provider behavior, app-store rules, network issues, fraud checks, or legal requirements.

To the maximum extent permitted by law, Aubstrac is provided without guarantees of uninterrupted access, investment outcome, merchant availability, reward value, payment-provider uptime, or partner execution timing.

These launch terms are public operating terms for Aubstrac users and merchants. They do not publish or modify confidential partner SLAs, commercial terms, settlement terms, or technical credentials.

Contact

Support and notices

Contact hello@ravoraapps.tech for support, account, privacy, and legal notices. You can also submit a support request inside the Aubstrac app.