AIVS PincodeKart Pvt. Ltd VIRTUAL DUKAANDAR POLICY

1 Definition of a Virtual Dukaandar

A Virtual Dukaandar is a digitally empowered, officially registered, and company-authorized independent business partner who operates within a specified pincode under the PincodeKart Hybrid E-Commerce Distribution Network. A Virtual Dukaandar serves as the primary operational link between the company and customers within their assigned locality. They represent the company’s trust, service standards, and delivery excellence for all customers living in that pincode.

A Virtual Dukaandar is not an employee; instead, they are treated as self-employed micro-entrepreneurs who run a small-scale digital storefront using PincodeKart’s infrastructure, technology, and logistics support. The company grants each Virtual Dukaandar a dedicated, exclusive product category, ensuring that the Virtual Dukaandar faces zero competition within their assigned category inside that pincode. This exclusivity gives the Virtual Dukaandar a stable business foundation, clear customer base, and predictable profit structure.

The Virtual Dukaandar does not need to maintain physical inventory or stock. Instead, they leverage PincodeKart’s national-level network of warehouses, manufacturers, and suppliers. Products are stocked, packed, and shipped by the company, and the Virtual Dukaandar handles local delivery, customer verification, open-box service, return handling, and local sales promotion through their Unique Shop ID. The Virtual Dukaandar becomes the face of the brand in their region and ensures that every shipment is delivered safely, professionally, and with full compliance to company policies.

In summary, a Virtual Dukaandar is both:

• A Digital Retailer
• A Local Distribution Partner
• A Customer Service Representative
• A Business Builder and Category Owner

2. Eligibility Requirements

To ensure operational reliability and safety, every Virtual Dukaandar must fulfill strict eligibility criteria. These requirements confirm identity, trustworthiness, compliance capacity, and operational readiness.

2.1 Personal Identity Requirements

• Aadhaar Card (Mandatory): Ensures verified identity and address. Helps in compliance, fraud prevention, and service accountability.
• PAN Card (Mandatory): Required for taxation, payouts, financial tracking, and regulatory compliance.
• Bank Account (Mandatory): All payments, withdrawals, commissions, and settlements are processed online.
• Police Verification Certificate: Ensures the Virtual Dukaandar has no criminal background and is safe to represent the company at customer locations.

2.2 Mobility & Vehicle Documents

• Two-Wheeler (Bike/Scooter) Mandatory: Virtual Dukaandar must have a fully functional personal vehicle. Borrowed or shared vehicles are not allowed.
• Valid Driving Licence: Must be active, legal, and verifiable through DigiLocker.
• RC – Registration Certificate: Confirms ownership and legality of the vehicle.
• Insurance Certificate: Protects the Virtual Dukaandar from accidental or unexpected situations. Must be up to date.
• PUC Certificate: Legal requirement demonstrating that the vehicle meets emission standards.
• Helmet Mandatory: Safety-approved helmet must be worn at all times while riding.

2.3 Operational Capability

Virtual Dukaandar must possess a smartphone with:

• High-quality camera
• Storage capacity
• Internet access
• App compatibility
• Ability to record & store videos

• Virtual Dukaandar must know basic reading, writing, communication & customer handling.
• Virtual Dukaandar must be physically fit to travel, deliver shipments, carry parcels, and handle return load.

3. Dress Code Policy

The Virtual Dukaandar’s appearance directly influences customer trust and company reputation. Therefore, a unified, clean, professional appearance is mandatory.

Dress Code Requirements:

• Company T-Shirt: This creates brand identity, builds customer confidence, and maintains uniformity. The T-shirt must be worn during all working hours like during travel, delivery, pickup, returns, and customer interaction.
• Proper Shoes: For safety, stability, and professional look. Slippers, sandals, or open footwear are not permitted.
• Helmet: Ensures safety and legal compliance. Riding without a helmet may result in penalties or suspension.

A clean, professional appearance creates customer satisfaction and reduces negative feedback.

4. OTP Verification Policy

OTP verification is one of the strongest fraud-prevention mechanisms in the entire PincodeKart ecosystem. It ensures correct customer, correct address, correct shipment, and authentic acceptance.

4.1 Mandatory OTP for Every Delivery

• No shipment shall be opened, delivered, or handed over without verifying the OTP through the official app.
• OTP ensures the customer has received the shipment from the company and confirms the delivery identity.

4.2 Customer Refusal to Provide OTP

If a customer refuses or fails to provide the OTP:

• The Virtual Dukaandar must immediately stop the process.
• No opening, no delivery, no handover.
• The shipment must be returned to the Mini Hub the same day.
• Virtual Dukaandar must mark: “OTP Not Provided – Returned to Hub”

4.3 Liability for Delivery Without OTP

If a VIRTUAL DUKAANDAR delivers a shipment without OTP:

• Any damage, fraud, loss, complaint, or missing item claim will be 100% the Virtual Dukaandar’s financial responsibility.
• Company will deduct full product value from the Virtual Dukaandar.

This is a zero-tolerance rule.

5. Open Box Delivery Policy

Open Box Delivery is designed to increase transparency, reduce fraud, and protect customers from receiving damaged or mismatched items.

5.1 Customer Notification

Virtual Dukaandar must politely inform the customer: “Sir/Madam, this is an Open Box eligible shipment. You may check the product before accepting it”. Clear communication avoids misunderstandings.

5.2 Customer Permission for Video Recording

• Virtual Dukaandar must ask: “May I record a video while opening the box?”
• If customer says YES, Virtual Dukaandar must record full process.
• If customer says NO, Virtual Dukaandar must not record and future responsibility transfers to the customer.

5.3 Customer Refuses Open Box

If customer says:

• “I will open at home”
• “I don’t want open box”
• “Do not open here”

Then:

• Virtual Dukaandar must follow customer choice.
• Virtual Dukaandar must mention this in the app.
• Virtual Dukaandar may take maximum proof.

This protects Virtual Dukaandar from false claims.

5.4 Damage or Wrong Product Found

If during open box customer finds:

• Damage
• Wrong product
• Broken product
• Missing item

Then Virtual Dukaandar must immediately:

• Take the shipment back
• Mark as Return – Open Box Issue
• Submit to Mini Hub before 10 PM

5.5 Final Acceptance After Open Box

Once the customer accepts:

• No future damage, mismatch, or tampering claims will be accepted.

6. VIDEO RECORDING & STORAGE POLICY

Video recording is one of the most critical responsibilities because it acts as the primary evidence in case of disputes. The company considers video proof the strongest form of operational transparency.Therefore, strict compliance with the following rules is mandatory:

6.1 Mandatory Video Recording When Customer Allows

A complete, continuous, and unedited video must be recorded whenever the customer permits video recording during Open Box Delivery.

The video must clearly show the entire sequence sequence of events, including:

• The sealed condition of the shipment
• The customer’s presence
• The full opening process of the shipment
• The product inside the box
• The physical condition of the product
• The customer’s final acceptance or refusal

The video must be shot in good lighting and with a stable camera position to ensure that every detail is visible and understandable.

6.2 Rules for Video Quality & Continuity

• The video must not contain any cuts, edits, pauses, restarts, or tampering of any kind.
• A single continuous shot is required from the moment the Virtual Dukaandar begins recording until the customer accepts or rejects the product.
• Blurry, unclear, dark, or partially visible videos will be considered invalid.
• Clear audio is recommended to capture verbal confirmation from the customer.

6.3 Mandatory Storage for Minimum 24 Hours

• The Virtual Dukaandar must store the recorded video safely for a minimum period of 24 hours.
• The video must not be deleted or lost during this period.
• The Virtual Dukaandar is responsible for ensuring adequate phone storage to save videos.
• If the Virtual Dukaandar faces storage issues, they must transfer the video to a secure folder before deleting anything else.

6.4 Liability When Video Is Missing or Incomplete

If a customer raises a dispute regarding:

• Wrong product
• Missing item
• Product damage
• Tampering
• Packaging issue

And the Virtual Dukaandar does NOT have the required video as proof, then: The entire loss will be recovered from the Virtual Dukaandar. The company will treat the missing video as a failure to follow operational protocol.

6.5 Customer-Recorded Videos

1. The Customer shall have the option to record the unboxing, delivery, or verification video on their own device, and such Customer-recorded footage shall be deemed valid for procedural, verification, and audit purposes.
2. In the event the Customer elects to record the video themselves, any future dispute, complaint, allegation of damage, defect, tampering, shortage, or quality issue shall be solely the responsibility of the Customer. Neither the Company nor the Virtual Dukaandar shall be held liable for any discrepancies arising from such self-recorded footage.
3. Notwithstanding the Customer’s decision to record the video themselves, the Virtual Dukaandar shall strictly adhere to all other Standard Operating Procedures (“SOPs”) prescribed by the Company, including but not limited to verification, packaging checks, product handling, customer acknowledgement, and documentation protocols.
4. If the Customer refuses, restricts, prevents, or otherwise does not permit the Virtual Dukaandar to record the mandatory unboxing/delivery/verification video on the Virtual Dukaandar’s device, such refusal shall be deemed a voluntary choice of the Customer. In such circumstances, all liability for any future dispute, including but not limited to claims of damage, missing items, tampering, dissatisfaction, or non-receipt, shall fall entirely upon the Customer. Neither the Company nor the Virtual Dukaandar shall be responsible or liable for any such claims.
5. In cases where the Customer refuses video recording by the Virtual Dukaandar, the Virtual Dukaandar shall obtain one of the following forms of acknowledgment as proof of Customer refusal: a) A verbal refusal recorded on the Customer’s device (where Customer agrees), or b) A written acknowledgment on the Company’s delivery application, or c) A digital refusal confirmation captured through the Company’s application interface.
6. The Customer’s refusal to allow video recording shall automatically waive their right to raise any claims against the Company or the Virtual Dukaandar relating to product damages, shortages, tampering, or quality issues.

7. RETURN SHIPMENT HANDLING POLICY

Return shipment management is a highly sensitive and essential part of the PincodeKart delivery ecosystem. To maintain product safety, prevent fraud, and ensure smooth operations, Virtual Dukaandar s must follow all return policies with complete discipline.

7.1 Mandatory Daily Return Cut-Off Time

• All return shipments collected must be deposited at the Mini Hub before 10:00 PM every day.
• The cut-off time ensures proper sorting, scanning, and next-day dispatch.
• Delayed returns disrupt the supply chain and create operational risks for the company.

7.2 No Overnight Storage Allowed

• A Virtual Dukaandar is strictly prohibited from keeping any return shipment at their home or private premises overnight.
• Overnight storage increases the risk of product loss, theft, moisture damage, tampering, or misplacement.
• If a return parcel gets damaged or lost due to overnight storage, the Virtual Dukaandar will bear 100% liability.

7.3 Action on Repeated Delay

If a Virtual Dukaandar repeatedly fails to submit return shipments on time:

• First instance → Official warning
• Second instance → Penalty may be applied
• Third instance → Temporary suspension or operational hold
• Multiple Repeated violations → Permanent account termination may occur

7.4 Mandatory App Entry for Return Shipments

• The Virtual Dukaandar must select the correct return reason in the app.
• All required photos and notes must be uploaded when prompted.
• Proper return scanning at the hub is mandatory.

7.5 Product Safety During Return

• The Virtual Dukaandar must ensure the parcel is handled gently and placed properly on the vehicle.
• Return shipments must not be squeezed, pressed, or placed under heavy items.
• Any damage to the product during transit due to careless handling will be recovered from the Virtual Dukaandar.

8. RETURN REPACKING & SEAL PROTECTION POLICY

Improper repacking is one of the biggest causes of product damage and financial loss. Therefore, return repacking must be done with maximum care and documented properly. All return repacking activities shall be strictly carried out by the Virtual Dukaandar, who shall ensure that the product is repacked as per the defined standards, with proper sealing, photographic evidence, and in compliance with all SOPs.

• 8.1 Mandatory Repacking Video

  1. Every return item must be repacked on camera, showing the product clearly before sealing the box.

• 8.2 The video must include:

  • The product's condition
  • The placement of the product inside the box
  • The filling of empty space
  • The sealing of the box with tape
  • The final condition of the parcel
  1. This video protects the Virtual Dukaandar from false allegations by customers.

• 8.2 Seal Protection Requirements

  1. The second-layer tape on the box must remain intact unless the customer opened it earlier.
  2. If the customer had opened the box, the Virtual Dukaandar must apply new tape professionally and securely.
  3. The sealing must be strong enough to ensure the parcel does not open during transportation.
  4. If the sealing is loose or weak, the return may be rejected, and loss will be recovered from the Virtual Dukaandar.

• 8.3 Packaging Standards

  Virtual Dukaandar must ensure that the return package meets the following safety criteria:

  • Product fits tightly inside the box
  • No empty movement space
  • Adequate cushioning
  • All corners are sealed
  • No external damage
  • Correct orientation

• 8.4 Liability for Poor Repacking

  If a return shipment reaches the warehouse with:

  • Missing product
  • Damaged product
  • Incorrect item
  • Poor sealing
  • No repacking video
  • Tampered box

  The full loss amount will be paid by the Virtual Dukaandar.

9. OFFLINE SELLING & UNIQUE SHOP ID POLICY

PincodeKart offers a unique hybrid business model combining both offline and online selling, significantly increasing earning potential.

9.1 What Is Offline Selling for Virtual Dukaandars

• The Virtual Dukaandar can promote products in their local area and share their Unique Shop ID with customers.
• When customers enter this ID while ordering through the app, the retail profit from that order goes directly to the Virtual Dukaandar.
• This enables the Virtual Dukaandar to build a local customer network and grow business rapidly.

9.2 Pincode Restriction

• The Virtual Dukaandar may conduct offline sales only within their assigned pincode.
• Selling, promoting, or distributing coupon codes in other pincodes is strictly prohibited.

9.3 Coupon System

• The Virtual Dukaandar can offer custom discount coupons to attract customers.
• The discount value will be deducted from the Virtual Dukaandar's own profit.
• The company will not cover or reimburse any discount given by the Virtual Dukaandar.

9.4 Hybrid Earning Benefits

• Virtual Dukaandar earns from both online deliveries and offline orders.
• This dual-channel system increases sales volume and income.
• Local branding and customer trust increase rapidly.

10. PAYMENT, WITHDRAWAL & SECURITY DEPOSIT POLICY

This section outlines the complete financial structure of the Virtual Dukaandar program.

10.1 Online Payment Only

1. The Virtual Dukaandar must collect payments strictly through online modes only.
2. Cash collection is not permitted under any circumstances.
3. Any loss due to cash handling will be fully borne by the Virtual Dukaandar.

10.2 Earnings Reflection Timeline

1. Earnings from each completed delivery will appear in the Virtual Dukaandar dashboard within 12 hours.
2. The earnings summary will include delivery earnings, offline sales profit, and other credits if applicable.

10.3 Withdrawal Rules

1. Earnings may be withdrawn only after 24 hours of being credited.
2. Withdrawals are allowed only to the Virtual Dukaandar's registered bank account.
3. The minimum withdrawal amount may be defined by the company as per policy.

10.4 Security Deposit Deduction 10% Per Shipment

1. A 10% deduction is applied to every shipment as Security Deposit.
2. This deduction continues until the Virtual Dukaandar's Security Deposit reaches ₹1,00,000.
3. The purpose of this deposit is to protect the company from fraud and operational losses.

10.5 Completion of Security Deposit

1. Once the Security Deposit reaches ₹1,00,000:
• The 10% deduction stops permanently
• The Virtual Dukaandar starts receiving full earnings without deduction

10.6 No Interest on Security Deposit

1. No interest will be paid on the Security Deposit.
2. The deposit is purely a security amount, not an investment.

10.7 Forfeiture of Deposit on Fraud

If a Virtual Dukaandar commits fraud:

• The account is permanently blocked
• The entire Security Deposit is forfeited
• No refund will be given under any circumstances

10.8 Refund on Clean Account Closure

1. If the Virtual Dukaandar closes the account without any pending disputes or fraud records, the security deposit will be refunded.
2. Refund is processed only after full verification from all departments.

11. PERFORMANCE RATING SYSTEM

Performance Rating is a comprehensive evaluation method designed to analyze the professionalism, discipline, customer handling capability, operational accuracy, and compliance standards of every Virtual Dukaandar. This rating system ensures that only committed and high-performing partners continue long-term.

11.1 360-Degree Rating Structure

a) Customer Ratings

• Customer satisfaction during delivery
• Behaviour, politeness, and communication style
• Assistance during Open Box Delivery
• Professional appearance and conduct
• Respect and clarity in communication

Customers directly influence the Virtual Dukaandar's reputation and trust level.

b) Hub Manager Ratings

• Timely submission of return shipments
• Compliance with hub protocols
• Behaviour with staff
• Proper scanning and handover process
• Reliability and honesty in operations

Hub feedback plays a major role in performance judgement.

c) Automated System Ratings

The company app automatically tracks:

• On-time delivery percentage
• OTP verification success rate
• Video recording compliance
• Accuracy of return handling
• No-fraud consistency
• Delivery acceptance accuracy

11.2 Consequences of Low Performance

The system ensures unbiased measurable performance scoring.

If the VIRTUAL DUKAANDAR scores poorly across any rating category, the company may initiate:

1. Official Warning
   • Issued when performance begins declining.
2. Mandatory Training Session
   • Designed to correct mistakes and improve service quality.
3. Penalty Deductions
   • Financial deductions for repeated operational mistakes.
4. Temporary Suspension
   • Account is paused until performance improves.
5. Permanent Termination
   • Applied if the Virtual Dukandaar consistently fails to perform or engages in misconduct.

11.3 Importance of Professional Behaviour

Virtual Dukandaar must maintain:

• Respectful communication
• Calm behaviour under pressure
• Zero arguments with customers
• No abusive or disrespectful tone
• No unprofessional body language

Bad behaviour directly affects ratings and may lead to account removal.

12. BEHAVIOUR, ETHICS & CONDUCT POLICY

A Virtual Dukaandar is the face of PincodeKart in their pincode. Therefore, behaviour standards must be extremely high.

12.1 Expected Behaviour Standards

1. Speak politely with all customers.
2. Maintain respectful tone with hub staff, security guards, building residents, and support officials.
3. Act professionally in all situations.
4. Never argue, shout, misbehave, or use abusive language.
5. Follow company instructions strictly and without resistance.
6. Maintain personal hygiene and clean appearance.
7. Represent the company with dignity and responsibility.

12.2 Prohibited Behaviour

The following actions are completely banned and will result in disciplinary action:

• Harsh, rude, or aggressive speaking
• Threatening customers or staff
• Disrespecting women, elders, or children
• Misbehaving during disputes
• Showing anger or frustration
• Using abusive words or gestures
• Disrespecting hub managers
• Fighting or provoking customers

12.3 Consequences of Misconduct

Depending on severity:

• First offence → Warning
• Second offence → Penalty + counselling
• Third offence → Suspension
• Repeated misconduct → Permanent account termination

The decision taken by the company is final and non-negotiable.

13. HIGH-VALUE SHIPMENT HANDLING POLICY

High-value shipments (e.g., mobiles, premium electronics, appliances, etc.) require additional care because they carry higher financial risk.

13.1 Extra Care Requirements

Virtual Dukandaar must:

1. Handle high-value items with great caution.
2. Ensure the product is never dropped, pressed, exposed to heat, or mishandled.
3. Protect the shipment from rain, dust, and impact.
4. Keep the parcel upright if required (based on label instructions).

13.2 Extra Verification Steps

Virtual dukandaar must ensure:

1. OTP verification is done without exception.
2. Open Box Delivery (if applicable) is completed fully.
3. Video recording is clear, stable, and complete.
4. Customer acceptance is properly captured.

13.3 Liability for Negligence

If a high-value product:

• Gets damaged
• Is swapped
• Goes missing
• Is mishandled
• Is misdelivered
• Is opened without OTP
• Is delivered without video proof

The entire financial loss will be recovered from the Virtual dukandaar.

There is zero tolerance for negligence involving high-value shipments.

14. SHIPMENT HANDLING & MISROUTE POLICY

Proper shipment handling is mandatory for maintaining brand trust and accuracy.

14.1 Pincode Restriction

1. The Virtual dukandaar must never deliver or carry shipments outside their assigned pincode.
2. Inter-pincode deliveries create tracking errors and financial risks.
3. Any cross-pincode handling may lead to penalties or account suspension.

14.2 Category Restriction

1. A Virtual dukandaar must handle only their assigned product category.
2. No other category may be delivered under any circumstances.
3. If Virtual dukandaar is found carrying shipments from another category then action will be taken.

14.3 Misroute Consequences

If the Virtual dukandaar carries wrong shipments due to carelessness:

• First instance → Warning
• Second instance → Penalty
• Third instance → Possible suspension
• Repeated cases → Permanent termination

The company expects complete discipline in shipment handling.

15. ACCOUNT CLOSURE & TERMINATION POLICY

15.1 Company-Controlled Closure

Account closure is fully and exclusively decided by the Company. The Company may close the account based on factors including, but not limited to, performance issues, non-compliance with policies, fraudulent activities, or operational requirements.

Additionally, if the Virtual Dukaandar's account remains inactive for more than three (3) to four (4) consecutive days, the Company reserves the absolute right to suspend or permanently close the account at its sole discretion, without any prior notice.

15.2 VIRTUAL DUKAANDAR-Initiated Closure Request

Virtual Dukaandar may request closure, but:

• Company decides the timeline
• Company decides verification process
• Closure happens only after all dues and liabilities are cleared

15.3 Fraud-Based Termination

If Virtual Dukaandar is involved in fraud:

• Account is permanently blocked
• Full Security Deposit is forfeited
• No refund will be given
• Additional losses may be recovered separately

16. DATA PRIVACY & CUSTOMER INFORMATION PROTECTION

1. The Virtual Dukaandar shall maintain strict confidentiality and privacy of all customer-related information accessed during delivery or communication.
2. Under no circumstances shall the Virtual Dukaandar:
   • Share customer contact numbers
   • Share customer addresses
   • Disclose delivery details
   • Save personal information in their phone
   • Forward customer data to any third party
3. Any form of data leakage, whether intentional or unintentional, will be treated as a serious legal violation.
4. The company will initiate strong legal action, including civil and criminal penalties, if customer data protection rules are violated.
5. The Virtual Dukaandar agrees that all customer-related information belongs exclusively to PincodeKart and cannot be used for:
   • Promotions
   • Personal gain
   • Marketing
   • Sharing with other businesses
   • Personal contact
   • Personal relationship building
6. Breaching data privacy will result in immediate account termination and possible legal prosecution.

17. PROHIBITION ON DIRECT CONTACT & INTERNAL MANIPULATION

1. The Virtual dukaandar is strictly prohibited from contacting any manufacturer, supplier, warehouse, or production partner associated with PincodeKart.
2. All communication must happen only through official PincodeKart channels.
3. Virtual dukaandar must not:
   • Request product details directly from manufacturers
   • Ask for special discounts
   • Influence pricing
   • Attempt to bypass company platforms
4. Any attempt by the Virtual dukaandar to contact suppliers directly will be treated as a breach of operational protocol.
5. Such behaviour may result in:
   • Warning
   • Suspension
   • Permanent termination
   • Legal action if the intent was to manipulate orders or gain unauthorized benefit.

18. PROHIBITION ON PERSONAL RELATIONSHIPS & INTERNAL MANIPULATION

This is a strict conflict-of-interest policy that protects company integrity.

18.1 Prohibited Personal Relationships

A Virtual Dukaandar shall not build personal or special relationships with:

• Company employees
• Hub managers
• Third-party staff
• Manufacturers
• Internal/external contractors
• Support agents

for the purpose of:

• Receiving advantages
• Manipulating orders
• Influencing data
• Gaining unauthorized access
• Favouritism
• Bypassing rules

18.2 Manipulation of Orders or Data

The Virtual Dukaandar must not:

• Influence shipment assignment
• Get orders manually pushed through staff
• Request staff to change return status
• Demand special treatment
• Manipulate offline orders
• Attempt to modify customer data
• Engage in any act that disturbs operational fairness

18.3 Strict Legal Action for Violations

If a Virtual Dukaandar is found creating personal relationships for advantage or manipulating operations:

• Immediate account block
• No notice period
• No access to pending earnings
• Full security deposit forfeiture
• Company will take legal action under IT Act, Consumer Protection Act, and Fraud Prevention Laws

This is a zero tolerance policy.

19. PROHIBITION ON DELIVERING OTHER COMPANIES' PARCELS

To maintain brand safety and avoid operational mix-ups, the following rule applies:

19.1 No External Company Deliveries Allowed

1. The Virtual dukandaar must never accept or deliver parcels belonging to any other company, platform, courier service, or e-commerce provider.
2. The Virtual dukandaar must not:
   • Carry another company's parcel
   • Mix external parcels with PincodeKart shipments
   • Deliver for any side-job or secondary platform
   • Use the Company T-shirt while delivering other parcels

19.2 Reason for Restriction

This rule exists because:

• Mixing parcels causes misroutes
• Increases fraud risk
• Damages company reputation
• Confuses customers
• Creates operational errors
• Violates brand identity

19.3 Consequences of Violation

If the Virtual Dukandaar is found delivering or holding external parcels:

• Immediate account suspension
• Investigation for misconduct
• Penalty or financial recovery
• Possible legal notice
• Security deposit forfeiture

20. Product Insurance & Accident Loss Coverage

20.1 Company-Provided Product Protection

If a Virtual dukandaar collects a shipment from the Mini Hub and, during the transit:

• An accident occurs,
• The Virtual dukandaar loses control of the vehicle,
• The product is damaged unintentionally,
• The product falls due to road conditions,
• The Virtual Dukandaar suffers an injury and the product breaks in the process,

Then the financial loss of the product will be covered by AIRE PincodeDak Logistics Pvt. Ltd., provided that:

• The Virtual Dukandaar was following all company policies at the time
• The accident was genuine and not caused intentionally
• The Virtual Dukandaar was wearing a helmet
• The Virtual Dukandaar was not over speeding
• The Virtual Dukandaar was not careless or violating any traffic law
• The Virtual Dukandaar immediately reports the accident to the company

The Company provides this protection to ensure that a genuine accident does not become a financial burden on the Virtual Dukandaar.

20.2 Accident Coverage Conditions

The accident-related coverage will be applicable only when the following conditions are met:

1. The incident must be unintentional and purely accidental.
2. The Virtual Dukandaar must report the incident to the company within 1 hour.
3. Photos and videos of the accident scene must be submitted.
4. The Virtual Dukandaar must cooperate with the investigation.
5. There must be no attempt to hide, alter, or manipulate evidence.
6. The Virtual Dukandaar must not attempt to benefit financially from the accident.

If these conditions are fulfilled, the company will take responsibility for product loss.

20.3 Fraudulent or Intentional Damage

If the Virtual Dukandaar intentionally damages the product, pretends to have an accident, or tries to misuse the insurance protection for profit, the coverage will not apply.

The VIRTUAL DUKAANDAR will be held fully responsible for the loss if they:

• The Virtual Dukaandar permanently loses accident coverage rights
• Account will be blocked
• Security Deposit will be forfeited
• Additional losses will be recovered
• A legal notice may be issued
• Case may be filed under the IT Act, Contract Act, and Criminal Breach of Trust sections
• Civil and criminal legal action

The Company has full right to conduct investigation, verify accident details, request evidence, and take strict action.

20.4 VIRTUAL DUKAANDAR Cannot Misuse This Policy for Personal Benefit

The Virtual Dukaandar is strictly prohibited from using accident coverage as an opportunity to make profit or avoid responsibility. The following actions are strictly forbidden:

1. Pretending to have an accident to avoid delivery work
2. Intentionally breaking the box "accident"
3. Dropping the product to claim insurance
4. Hiding the real cause of damage
5. Giving false statements to support fake claims
6. Asking staff to support a fake accident story
7. Misrepresenting facts to escape liability
8. Using the rule as a loophole for personal gain

Legal Warning:

Any attempt to misuse accident coverage will be considered fraud, cheating, manipulation, and breach of contract.

Consequences include:

• Full loss recovery
• Permanent account termination
• Complete forfeiture of the Security Deposit

• Civil and criminal legal action

The Company has full right to conduct investigation, verify accident details, request evidence, and take strict action.

If any misuse attempt is detected:

• The Virtual Dukandaar permanently loses accident coverage rights
• Account will be blocked
• Security Deposit will be forfeited
• Additional losses will be recovered
• A legal notice may be issued
• Case may be filed under the IT Act, Contract Act, and Criminal Breach of Trust sections

20.5 Example Scenarios

Scenario 1: Genuine Accident (Coverage Applicable)

• Virtual Dukaandar was wearing helmet
• Driving carefully
• A dog suddenly crossed the road
• Virtual Dukaandar loses balance, falls
• Product gets damaged

In this Scenario Company covers the loss.

Scenario 2: Virtual Dukaandar Drops Parcel Carelessly

• Virtual Dukaandar was using mobile while driving
• Not holding parcel properly
• Parcel drops due to negligence

In this Scenario Virtual Dukaandar pays for the loss.

Scenario 3: Intentional Damage

• Virtual Dukaandar purposely damages product
• Claims "accident"

Fraud results to Account Block + Full Loss + Legal Case

Scenario 4: Mixing Company Parcels

• Virtual Dukaandar delivers another company's parcel
• PincodeKart parcel gets damaged

In this Scenario Coverage will not be applicable & strict action will be taken.

20.6 Zero Misuse Clause

This protection system exists ONLY to support Virtual Dukaandars in genuine accidents.

The Company will not tolerate even 1% misuse of these rules.

If any misuse attempt is detected:

• Break the product intentionally
• Create a fake accident scene
• Purposely drop the product
• Claim a false injury
• Try to misuse company insurance
• Attempt to gain money through manipulation
• Damage the product to avoid delivery
• Fake accidents to skip responsibility

Legal Clause:

If the Company identifies any intentional act, manipulation, or false accident claim then:

1. The Virtual Dukaandar will bear 100% of the loss
2. The Security Deposit may be deducted
3. The account may be permanently blocked
4. Legal action may be taken under fraud prevention laws.

21. ACKNOWLEDGMENT OF VIRTUAL DUKAANDAR POLICY & AGREEMENT

I, the undersigned Virtual Dukandaar, hereby acknowledge and confirm the following:

1. I have fully read, understood, and accepted the complete Virtual Dukandaar Policy issued by AIVS PincodeKart Pvt. Ltd., including all operational rules, guidelines, restrictions, duties, and responsibilities.
2. I acknowledge that I am working as an independent business partner and not as an employee of the Company.
3. I understand that it is my responsibility to strictly follow:
   • Delivery protocols
   • OTP verification rules
   • Video recording guidelines
   • Open Box Delivery procedures
   • Return submission rules
   • Data privacy rules
   • Safety and vehicle compliance
   • Security deposit terms
   • Payment and withdrawal terms
   • Behaviour and conduct policies
   • Fraud prevention and anti-manipulation rules
   • Pincode restriction and category restriction
   • Offline selling guidelines
   • All company updates and instructions
4. I confirm that I will not leak, share, save, or misuse customer data under any circumstances. I understand that any data leakage will result in legal action and immediate account termination.
5. I confirm that I will not contact any manufacturer, supplier, warehouse staff, internal employee, or external contractor for any unauthorized purpose.
6. I confirm that I will not create personal relationships, influence staff, request favours, manipulate orders, or attempt to modify data for my benefit. I fully understand that such actions are illegal and will result in immediate termination and legal action.
7. I confirm that I will not deliver or carry parcels belonging to any other company, and I will not mix external parcels with PincodeKart shipments.
8. I understand that any misconduct, fraud, manipulation, data manipulation, fake returns, or violation of rules, the Company may permanently block my account, forfeit my entire Security Deposit, and take legal action against me.
9. I confirm that I will handle every shipment with complete responsibility and understand that any loss due to my negligence will be recovered from me, as per company rules.
10. I accept that all decisions regarding my account, performance, continuation, suspension, or termination are fully at the Company's discretion and shall be final and binding.
11. I understand that my Security Deposit is non-interest bearing and will only be refunded if my account is cleanly closed without any pending disputes or violations.
12. I have read this acknowledgment, confirming that I agree to follow all rules, and that I am responsible for any breach of this policy.