The rules of the programme, in plain words.പോയിന്റ് നിയമങ്ങൾ — വ്യക്തമായി.

01What Nettam is — and is not

Nettam is a points-based rewards programme. Partner shops award points on your purchases; you redeem those points as a discount on later purchases. Points are a promotional benefit funded by the shop where you earned them.

Nettam is not a bank, a wallet of money, a payment system, or an investment. Points have no cash value, cannot be bought, sold, transferred or exchanged for cash, and are not deposits. Payments for your purchases always happen directly between you and the shop. Nobody from Nettam will ever ask you for an OTP, bank details, or a payment.

02Your wallet

• One wallet per person, on your own phone number. The wallet belongs to the number; keep the number and your device secure.
• You must be 18 or older and provide accurate details.
• You can close your wallet at any time — see the Privacy Notice for deletion. Unredeemed points lapse when a wallet closes.

03Earning points

• Points are awarded when a partner shop records your bill. The rate varies by shop type (for example, a cafe awards a higher percentage than an electronics shop) and each bill has a points cap.
• 100 points are always worth ₹10 — the rate never varies, only how fast you earn.
• One earn per shop per hour. Points may show as pending until the shop confirms the transaction.
• For high-value purchases, points may be held for a maturity period matching that shop's refund window (for example 15–30 days at electronics shops) before they can be redeemed.
• If a purchase is refunded or reversed, the points for it are reversed too. If you already spent them, your balance can go negative and is recovered from future earns.

04Redeeming points

• Points are redeemed at the shop where you earned them, as a discount on your bill or against that shop's reward shelf items.
• Points can pay at most 10% of a bill; the minimum bill to redeem is ₹200 (₹1,000 at electronics shops, accessories only). Individual shops' reward-shelf items carry their own points prices.
• Redemption is confirmed at the counter with your QR and the daily code shown under it.

05Referral & bonus points

• When someone joins with your code and makes their first real purchase at a partner, you both receive bonus points — one level, once. Nobody earns from anyone "under" them; there is no chain and nothing to invest.
• Referral rewards are limited (including a monthly cap per person) and bonus points can pay at most 5% of a bill, at participating partners.
• Bonus points come from a fixed promotional pool and may be paused or changed for future referrals at any time.

06Expiry

Points expire 6 months after they are earned. We send a reminder in month 5 so nothing lapses silently. Expired points cannot be restored.

07Fair use

Every point movement is logged. We may hold, reverse or void points, or suspend a wallet, where we reasonably find: multiple accounts for one person, self-earning by a shop's own staff or owner at their shop, fabricated or manipulated bills, or any other gaming of the programme. Genuine mistakes are fixed, not punished — contact support and we will look at the log together.

08If a partner shop leaves

If a shop leaves Nettam, your existing points at that shop stay redeemable there for 60 days after it is announced, and we notify you by message. After the window, remaining points at that shop lapse.

09Changes to the programme

Earn rates, caps, shop lineup and these terms can change. Changes apply going forward only: points you have already earned keep their value (100 = ₹10) and their existing expiry date. We announce material changes by message before they take effect. We may suspend or end the programme in a town with at least 60 days' notice, during which points remain redeemable.

10Liability & law

Shops are responsible for their own goods, services and prices; Nettam provides the points programme. To the extent permitted by law, our liability in connection with the programme is limited to the value of the points in your wallet (100 points = ₹10). These terms are governed by the laws of India, and courts in Kerala have jurisdiction. Complaints go first to our grievance officer below.