1. Membership Enrollment & Card Issuance

PennyGrade offers a physical privilege card that grants verified discounts across our curated network of cafés, dining spots, salons, fitness clubs, and retail outlets in Daltonganj and surrounding regions.

Upon submitting a membership application and paying the applicable pass fee (e.g., standard ₹500 6-Month Pass), you are issued an embossed physical membership card featuring a unique cryptographic PenCode (e.g., PEN-7X4P-92LM). Membership privileges commence on the date of card activation and remain valid for the subscribed duration.

2. Offline & Private Guarantee

No Mandatory App Downloads: PennyGrade does not require you to download invasive mobile apps, grant background location permissions, or maintain complex passwords to save money at local checkouts.

Privacy at Cashier Counters: Simply carry your physical card in your wallet. When availing discounts, you interact with a fast, web-based verification screen that never reveals your phone number or email to restaurant or shop staff.

3. Unique PenCode & Card Custody

Your card features a unique anti-enumeration identifier (“PenCode”). This code is bound to your registered account record in our secure database. You are responsible for preserving the physical integrity of your card and keeping your registered mobile number updated for verification security.

4. Personal & Non-Transferable Status

Your PennyGrade membership card is strictly personal to the registered member. Lending, leasing, loaning, or re-selling your card to friends, relatives, colleagues, or strangers is strictly prohibited. Cashiers may ask to cross-verify the cardholder’s identity if card misuse is suspected.

5. Unlimited Visit Frequency

Unlike restrictive voucher books or coupon platforms, PennyGrade does not restrict you to a single visit per partner. Subject to normal operating hours and seat availability, you may visit participating partner outlets as frequently as you wish throughout your 6-month validity period (e.g., daily coffee, weekly salon visits, weekend dining).

6. Counter Redemption Rules

To receive your discount at a participating venue:

• Inform cashier staff prior to final bill settlement that you are availing your PennyGrade member discount.
• Scan the cashier counter’s official PennyGrade QR standee.
• Enter your PenCode and bill amount to trigger the real-time discount calculation.
• Show the live green verification countdown screen to the cashier so the deduction can be applied directly to your offline invoice.

7. Zero Tolerance for Screenshots

Screenshots, static photo captures, screen recordings, or expired sessions are strictly rejected by partner cashiers. Attempting to pass off a screenshot as a live verification constitutes fraudulent misuse and will result in immediate, irreversible revocation of your membership card without refund.

8. Lost, Stolen, or Damaged Cards

If your physical card is lost, stolen, or damaged:

• Promptly notify our support desk at pennygradebusiness@gmail.com or +91 93568 97893.
• We will immediately deactivate your compromised PenCode to prevent unauthorized usage.
• A replacement card with a newly generated cryptographic PenCode can be issued for a nominal physical printing and logistics fee of ₹150.

9. Cancellation & Refund Policy

Due to the immediate issuance and un-capped nature of offline membership privileges:

• Non-Refundable Once Issued: All membership pass fees are non-refundable once the physical card is printed, delivered, or activated.
• Defective Card Exchange: If your card arrives physically defective or unreadable, we will replace it free of charge within 7 days of delivery.

10. Merchant Catalog Fluctuations

While we maintain long-term agreements with our partners, independent venues may occasionally close, undergo renovations, relocate, or terminate their partnership in accordance with their agreement. The temporary or permanent exit of an individual partner does not entitle a member to a full or partial membership refund, as the pass provides access to the overall participating network.

11. Membership Support Desk

For any assistance with card activation, partner disputes, or renewal inquiries, contact our local team: