Terms of Service

1. Digital Membership Services

SpinVerse 2.0 offers an annual digital community membership priced at ₹1,000 (INR) per year. Membership grants access to exclusive digital community features, learning courses, event access, and networking channels. Membership access is valid for 365 days from the verified activation timestamp.

2. Direct Invitation & Commission Policy

Active SpinVerse members may share a unique direct invitation code with prospective new members. Upon a new customer purchasing a ₹1,000 annual membership using a valid invitation code:

• The direct inviting member becomes eligible for a ₹500 gross invitation commission.
• Attribution is strictly direct 1-to-1 (Inviter $\rightarrow$ Invited User). SpinVerse does NOT operate multi-level marketing (MLM), downline earnings, or tiered commissions.
• Invitation attribution is permanently linked at the time of payment and cannot be transferred or modified.
• Commissions are initially placed in a PENDING state subject to eligibility checks, fraud review, and refund holding periods.

3. Payment Authorization & Webhook Fulfillment

All payments are processed securely via Razorpay PCI-DSS compliant payment gateways. Membership activation and commission creation are authoritative based solely on verified server-side HMAC-SHA256 Razorpay webhook signals (`payment.captured` / `order.paid`).

4. Withdrawal & KYC Compliance

Withdrawal requests from the member’s Rewards Wallet require completion of identity verification (KYC) and linking a verified Indian bank account. All withdrawals are subject to applicable tax withholdings (TDS/TCS under Indian Income Tax Act regulations) and administrative compliance reviews.

5. Prohibited Conduct & Fraud Prevention

SpinVerse strictly prohibits self-referrals, automated account creation, duplicate PAN usage, or chargeback abuse. Accounts flagged for fraudulent invitation patterns will be locked immediately and pending commissions reversed.