1. Acceptance of Terms

By purchasing, activating, possessing, or utilizing a PennyGrade physical membership card, or by accessing the PennyGrade website located at pennygrade.in (the “Platform”), you agree to be legally bound by these Terms & Conditions (“Terms”). If you do not agree to these Terms, you must not purchase or use the PennyGrade card or its verification services.

PennyGrade operates in India and primarily facilitates privilege memberships and local venue discounts in Daltonganj, Palamu, and surrounding regions of Jharkhand.

2. Key Definitions

• “PennyGrade”, “We”, “Us”, or “Our”: Refers to the operating enterprise and proprietary platform managed by Samir Pandey and authorized operating entities behind pennygrade.in.
• “Member” or “You”: An individual who has validly acquired a PennyGrade physical card and holds an active membership record.
• “Partner Merchant” or “Partner”: An independent third-party commercial enterprise (such as a café, restaurant, salon, fitness centre, hotel, or retail outlet) that has entered into a merchant partnership agreement with PennyGrade to offer specified discounts to verified Members.
• “Physical Card”: The branded physical membership card bearing a unique cryptographic identifier (“PenCode”) issued to a Member.
• “PenCode”: The unique, cryptographically random, anti-enumeration membership code (formatted as PEN-XXXX-XXXX) assigned to a physical card.
• “Live Verification Session”: The temporary, time-bound visual confirmation screen generated when a Member scans a Partner’s counter QR code and inputs their PenCode and bill amount.

3. Platform Nature & Scope

PennyGrade operates as a discovery and discount verification platform connecting consumers with local brick-and-mortar businesses. PennyGrade is NOT a payment gateway, banking institution, or wallet.PennyGrade does not collect bill payments from customers on behalf of Partner Merchants, nor does PennyGrade process in-store financial transactions.

When you dine or shop at a Partner outlet, you pay the Partner directly at their counter using cash, UPI, debit/credit cards, or any payment method accepted by that Partner, with the verified PennyGrade discount deducted from your offline bill.

4. Physical Cards & Identifiers

5. In-Person Verification Protocol

To receive an approved discount at a Partner Merchant, Members must complete the official verification flow at the checkout counter:

1. Present Physical Card: Show your physical PennyGrade card to the venue cashier or service attendant prior to bill generation.
2. Scan Permanent Partner QR Standee: Scan the official PennyGrade acrylic QR standee placed at the cashier counter.
3. Initiate Live Session: Enter your registered PenCode (or select your saved card) and your pre-tax bill amount to trigger the real-time server calculation.
4. Display Live Screen: Present the temporary live verification screen to the cashier. The screen features a real-time countdown timer, animated security indicators, the calculated discount, and net payable amount.

6. Discount Calculations & Offline Billing

Discounts are computed exclusively through PennyGrade’s cryptographic server functions based on the current active offer rules registered for that Partner in our authoritative database:

• Minimum Bill Requirements: Offers may specify a minimum bill threshold (e.g., minimum bill of ₹500). If your subtotal is below this threshold, the discount will not apply.
• Maximum Discount Caps: Percentage offers may feature a maximum savings cap (e.g., 10% off up to ₹300 maximum discount).
• Non-Stackable: Unless expressly stated in writing by the Partner, PennyGrade discounts cannot be combined with existing venue promotions, festival combos, happy hours, or third-party loyalty vouchers.
• Alcohol, Tobacco & Statutory Exclusions: In compliance with Indian laws, discounts do not apply to tobacco products, statutory taxes (GST, VAT, service charges), or alcoholic beverages where prohibited by local regulations.

7. Independent Merchant Operations

Partner Merchants are independent third-party businesses. PennyGrade does not own, manage, supervise, or control Partner establishments, their kitchens, inventory, employees, or retail premises.

Goods & Service Quality: The Partner Merchant is solely responsible for the preparation, quality, taste, hygiene, safety, fitness for purpose, and delivery of all food, beverages, wellness services, and merchandise sold to you. PennyGrade disclaims all liability for food safety, allergen disclosures, service delays, or venue conduct.

8. Prohibited Conduct & Fraud

You agree not to engage in any of the following prohibited activities:

• Attempting to duplicate, forge, clone, or digitally replicate a PennyGrade physical card or PenCode.
• Sharing screenshots or video recordings of verification sessions to obtain unauthorized discounts.
• Reselling, sublicensing, or commercially exploiting PennyGrade cards or membership benefits.
• Inputting fabricated bill amounts to manipulate verification logs.
• Harassing, abusing, or threatening venue staff or PennyGrade representatives.
• Reverse-engineering, scraping, or launching automated requests against the pennygrade.in platform.

9. Suspension & Termination

PennyGrade reserves the right to immediately suspend, blacklist, or permanently revoke any membership card and associated PenCode without refund if we determine, in our reasonable discretion, that the card has been subjected to fraud, unauthorized transfer, terms violation, or systematic misuse.

10. Intellectual Property Rights

All trademarks, wordmarks, brand emblems, card graphics, user interfaces, website source code, algorithms, and documentation associated with PennyGrade are the exclusive intellectual property of PennyGrade and its operating proprietors. No license or ownership rights are transferred to Members or third parties.

11. Limitation of Liability

To the maximum extent permitted under applicable Indian law, PennyGrade, its proprietors, affiliates, and representatives shall not be liable for any indirect, incidental, punitive, special, or consequential damages arising out of or related to:

• The refusal of any Partner Merchant to honour a discount, whether lawful or unlawful.
• The quality, safety, condition, or defect of any goods or services purchased from a Partner.
• Temporary platform downtime, internet interruptions, or mobile network connectivity failures during counter verification.
• Loss or damage caused by unauthorized use of your physical card prior to reporting it stolen.

In any event, PennyGrade’s aggregate liability arising out of any claim under these Terms shall not exceed the actual membership enrollment fee paid by you for the active membership period.

12. Grievance Officer & Contact

In compliance with the Information Technology Act, 2000 and the Consumer Protection (E-Commerce) Rules, 2020, the contact details of our designated Customer Support and Grievance Officer are set forth below:

13. Governing Law & Jurisdiction

These Terms, their interpretation, and any disputes arising out of or in connection with them shall be governed exclusively by the laws of India. Any legal suit, action, or proceeding arising under these Terms shall be instituted exclusively in the competent courts situated in Daltonganj / Palamu, Jharkhand, India.

14. Modifications & Version History

We may update or revise these Terms from time to time to reflect modifications in our business arrangements, partner network, or legal compliance requirements. Revised terms become effective upon publication on this page with an updated “Last Updated” date. Continued use of your physical card after changes are published constitutes acceptance of the amended Terms.