Terms of Use of ZulePay Earn

Last updated: 9 September 2026 · Version: 1.0.0 · Effective date: 9 September 2026

1. About this document

These terms of use ("Earn Terms") govern ZulePay Earn — ZulePay's referral and earning programme, under which you may earn rewards (including referral benefits, cashbacks and similar incentives, "Rewards") credited to your ZulePay wallet. They apply in addition to the General Terms and Conditions ("General Terms"), the Wallet Terms, the Rewards Terms, the Privacy Policy and the Cancellation & Refund Policy. If there is a conflict, the General Terms prevail unless these Earn Terms provide otherwise. Capitalised terms used but not defined here have the meanings given in the General Terms.

2. The programme

1. Earn may reward you for actions such as referring new users to ZulePay, completing eligible transactions or participating in campaigns (each an "Earn Event").
2. Each campaign states its own reward, eligibility conditions and timeline. The specific terms displayed with a campaign at the time you participate prevail over these Earn Terms for that campaign.
3. Participation is voluntary. Availability of campaigns may vary and may change or end at any time.

3. Eligibility

1. To participate, you must have a ZulePay account in good standing with KYC completed as required for the reward type, and comply with the General Terms.
2. Referral Rewards typically require the referred person to be a new user who installs the app via your referral link, completes verification and performs the eligible actions stated in the campaign — Rewards are credited only after these conditions are verified.
3. Employees of the Company and its group, and persons the campaign excludes, may not be eligible.

4. Earning and crediting

1. Rewards are credited to your Main Wallet after the Earn Event is verified, typically within the timeline shown in the campaign. Verification may take longer for anti-fraud checks.
2. Credited Rewards form part of your wallet balance and may be used or withdrawn per the Wallet Terms and your KYC tier.
3. Rewards are a promotional incentive, not consideration for employment, services or a debt of the Company.

5. Validity and expiry

1. Unless a campaign states otherwise, credited Rewards do not expire while your account remains in good standing.
2. Uncredited (pending) Rewards lapse if the campaign conditions are not completed within the campaign timeline, or if the campaign is withdrawn.

6. Clawback, reversal and abuse

1. Rewards may be reversed or clawed back from your wallet balance if the Earn Event is later found to be fraudulent, duplicated, reversed (for example, a qualifying transaction is refunded) or in breach of these terms or the campaign terms.
2. Fraud and abuse — including multiple accounts, self-referrals, fake installs, device farms, transaction cycling, automation or any manipulation — voids all Rewards, may lead to reversal, account restriction and action under Sections 18–19 of the General Terms, and may be reported to authorities.
3. Where a clawback exceeds your wallet balance, the excess is recoverable from you and may be set off against future Rewards or balance credits.

7. Taxes

1. Rewards may be taxable in your hands under applicable law. You are responsible for reporting and paying tax on Rewards you receive.
2. Where the law requires the Company to deduct tax at source (TDS) on Rewards, it will be deducted as required and, where applicable, reflected in your statements. Subject to applicable law, tax deduction may be recovered from your wallet balance.

8. Changes, suspension and termination

1. We may amend, suspend or end ZulePay Earn or any campaign at any time, including for regulatory, compliance or commercial reasons. Amendments that materially and adversely affect accrued but uncredited Rewards will be notified per Section 28 of the General Terms.
2. On closure or restriction of your account for breach or fraud, uncredited Rewards lapse and credited Rewards may be clawed back per Section 6.

9. Contact us

USR Enterprises Private Limited CIN: U62011KA2026PTC224718 VO-843, WeWork 10th Floor, RMZ Latitude, No. 69/458/69, Hebbal Kempapura, Bengaluru – 560024, Karnataka, India Email: support@zulepay.com · Phone: +91 95381 07745