• Minimum age: 18 years. By registering, you confirm that you are at least 18 years old and legally capable of entering into a binding contract under Indian law. Provide accurate info.
• Responsible for credential confidentiality.
• Never share password, OTP, or Bot Token.
• KYC required for Verified Seller status (Section 19).

Strictly prohibited: illegal/harmful content, impersonation, fraud, malware, unauthorized access, scraping, reverse engineering, IP violation, fake KYC, token sharing, fake orders/reviews, selling prohibited items, creating fake or forged invoices, uploading fake expense receipts, providing false profile information.

Billexa name, logo, code, design = our IP. User content = user's property. PDF reports contain Billexa branding - don't remove. Bot commands structure is proprietary. Report infringement to admin@covexa.in.

Full Policy: /privacy. GDPR & IT Act 2000 compliant. KYC docs on Cloudinary, admin only. Deleted on account closure.

• Telegram API (bot), MongoDB Atlas (database), Cloudinary (files/KYC/expense bills/profile photos).
• MEGA (mega.nz) – Encrypted cloud backup storage for database dumps. Backups automatically deleted after 90 days.
• Not responsible for third-party uptime/policies.

To the maximum extent permitted by law:

• Billexa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunity.
• For Free Plan users, Billexa's total liability shall not exceed ₹0 (Zero Rupees).
• For Paid Plan users, Billexa's total liability shall not exceed the total fees paid by the user in the preceding 12 months, capped at a maximum of ₹5,000 (Rupees Five Thousand Only).
• This limitation applies regardless of the legal theory on which the claim is based, even if Billexa has been advised of the possibility of such damages.
• Nothing in this agreement excludes or limits liability for death, personal injury, or fraud.

Not liable for: damages, data loss, buyer-seller disputes, delivery issues, bot downtime, KYC rejections, analytics inaccuracies, token leaks, unauthorized access, invoice or signature misuse, expense data inaccuracies, tax liability, financial decisions based on expense reports, profile data inaccuracies, GST information errors.

You indemnify Billexa for claims from: Terms violation, Platform use, uploaded content (incl. KYC, expense receipts, profile photos), IP violation, marketplace transactions, invoice fraud or signature misuse, false expense records, false profile or GST information.

Grounds: violation, fraud, fake KYC, bot abuse, marketplace fraud, invoice fraud, fake expense receipts, false profile information, 12+ months inactivity. Effects: access ceases, orders cancelled, bot disconnected, KYC deleted in 30 days, expense data and profile data permanently deleted. Users can delete account anytime.

1. Informal: Contact admin@covexa.in. 2. Marketplace disputes: Between parties directly. 3. Arbitration: Arbitration Act 1996, Venue: Ajmer, Rajasthan.

Governed by Indian law. Exclusive jurisdiction: Courts at Ajmer, Rajasthan.

We may modify these Terms at any time. For material changes (such as pricing, liability limits, or data usage), we will notify users through the following channels:

• Dashboard Announcement – A prominent notice will appear on your Billexa dashboard when you log in.
• Telegram Bot Alert – If your Telegram bot is connected, you will receive a notification message.
• /updates Page – A dedicated page listing all past and upcoming changes is available at /updates. You are encouraged to check this page periodically.

Continued use of Billexa after the effective date of any material change constitutes acceptance of the modified Terms. If you do not agree with the changes, you must stop using the platform and may delete your account.

Grievance Officer: Shiv Kumar | admin@covexa.in | +91 9351256357 | Arwar, Ajmer, Rajasthan. Response: 24-48 hrs.

15B.1 Right to Suspend Service

Billexa reserves the right to temporarily or permanently suspend the platform or any part thereof in the following circumstances:

• 🛠️ Maintenance: Scheduled or emergency technical maintenance
• 🔒 Security Threats: Detection of security vulnerabilities, attacks, or breaches
• ⚖️ Legal Compliance: Court orders, government directives, or legal obligations
• 🚨 Abuse: Platform abuse, fraud, or violation of Terms by users
• 💾 Data Protection: To prevent data loss or corruption
• 🌐 Force Majeure: Natural disasters, war, or events beyond our control

15B.2 Account Data Management Rights

To ensure platform integrity and security, Billexa reserves the right to:

• ✏️ Edit Account Data: Modify, correct, or update account information if found to be inaccurate, misleading, or violating Terms
• 🔄 Activate/Deactivate: Enable or disable account access based on Terms compliance
• 🛡️ Security Actions: Reset passwords, revoke sessions, or disable 2FA in case of security incidents
• 📂 Data Portability: Export or transfer user data if required for legal or technical reasons
• 🗑️ Content Removal: Remove any content (products, posts, reviews) that violates Terms

15B.3 Direct Contact Rights

Billexa reserves the right to contact users through the following channels for legitimate purposes:

• 📧 Email: Account notifications, security alerts, Terms updates, verification requests
• 📱 Phone Call / SMS: Urgent security matters, account verification, suspicious activity alerts, legal matters
• 📞 Unsolicited Support Calls: Billexa may call you without prior request to help with platform-related issues, provide onboarding assistance, offer feature guidance, or resolve technical problems you may be experiencing
• 💬 Feedback & Suggestions: We may reach out to gather feedback about your experience, suggest improvements, or inform you about new features relevant to your usage
• 🤖 Telegram Bot: Automated alerts and notifications (if connected)
• 📢 In-Platform Notifications: Dashboard announcements, popup notices

15B.4 Circumstances for Direct Contact

Billexa may contact you directly in these situations:

• 🚨 Security Breach: Suspicious login or unauthorized access detected
• 🛡️ KYC Verification: Additional document verification needed
• 📋 Order Disputes: Unresolved marketplace transaction issues
• ⚠️ Policy Violations: Terms of Service breaches requiring clarification
• 🔧 Account Recovery: Identity verification for account access restoration
• ⚖️ Legal Matters: Court orders, law enforcement requests, or compliance requirements

15B.5 Data Modification Transparency

• 📝 All administrative modifications to user accounts are logged with timestamp and admin identity
• 📧 Users will be notified via email of significant account changes (within 48 hours)
• 🔍 Users can request an account activity log by contacting support
• ⚖️ Users retain the right to appeal any administrative action via support ticket

15B.6 Limitation of Liability for Service Interruption

While Billexa strives for maximum uptime, we shall not be liable for:

• 💼 Loss of business, revenue, or profits during service suspension
• 📊 Data inaccessibility during maintenance windows
• 🤝 Missed marketplace transactions during downtime
• 📉 Any indirect or consequential damages from service interruption

Billexa's total liability for service interruption shall not exceed ₹0 (Zero Rupees) for Free Plan users.

15B.7 User Rights During Suspension

• 📥 Users may request data export before account deactivation
• ⏰ Temporary suspensions do not affect data retention — your data remains secure
• 🔄 Reactivation is possible after resolving the cause of suspension
• 📞 Support remains available during platform maintenance via email

17.1 Seller Eligibility

• Must have a registered Billexa account.
• KYC verification required for 🟢 Verified badge (optional but recommended).
• Must be 18+ years of age with legal capacity in India.
• One seller account per person/business entity.

17.2 Listing Rules

• Accurate title, description, price, and category required.
• All prices in INR (Indian Rupees) only.
• Quantity: Must mention available quantity clearly in description (e.g., "Qty: 5", "10 pieces", "10x available").
• Unit Definition: 1 unit = 1 piece/item. Price displayed is per unit.
• If quantity not mentioned, default is considered as 1 unit.
• Only images allowed — videos not supported for product listings.
• Maximum 10 images per product, each max 10MB.
• Seller must accept Terms & Conditions and Privacy Policy checkbox before each listing.
• Location field optional but recommended for buyer convenience.

17.3 Prohibited Items BANNED

• Illegal drugs, narcotics, controlled substances.
• Weapons, firearms, ammunition, explosives.
• Counterfeit goods, stolen items, pirated materials.
• Human organs, body parts, endangered species.
• Adult content, sexually explicit materials.
• Gambling items, lottery tickets.
• Anything illegal under Indian law.
• Violation = immediate listing removal + account ban.

17.4 Seller Verification & Signature

• Verified sellers (🟢 badge) = KYC completed + Signature displayed.
• Unverified sellers (🟠 badge) = Buyer discretion advised, no signature shown.
• KYC signature appears on: Product detail pages, Order invoices, QR code pages.
• Verification builds buyer trust and improves product ranking.
• Trust Score (0-100) calculated based on KYC, products, sales, and delivery performance.

17.5 Quantity & Stock Management

• Seller must mention available quantity in product description.
• Example formats: "Qty: 5", "Quantity: 10 pieces", "10x available", "Stock: 50 units".
• If quantity not mentioned, default = 1 unit.
• System automatically changes status to "Sold Out" when quantity reaches 0. Seller can reactivate product anytime from My Products page. Auto Restock feature available to auto-restore quantity on delivery.
• Change product status to "Sold" or "Sold Out" when stock finished.
• Buyer can select quantity while placing order (1 to available stock).
• Overselling (accepting orders beyond stock) = Penalty.

17.5.1 ❤️ Wishlist Feature

• Buyers can save products to their personal Wishlist for later purchase.
• Wishlist is private — only the user can view their own wishlisted items.
• Click the ❤️ heart icon on any product card to add/remove from Wishlist.
• Access Wishlist from the navbar or at /wishlist.
• Wishlist page shows: Product image, title, price, stock, quantity selector.
• Buyers can adjust quantity, remove items, or place orders directly from Wishlist.
• Place All Orders button allows ordering all wishlist items at once.
• Wishlist items persist until removed or purchased.
• No limit on number of wishlisted items.

17.6 Pricing & Payment

• Price displayed is per unit price in INR.
• Unit = 1 piece/item. Example: ₹100/unit, buyer orders 5 units = ₹500 total.
• Total amount = Price per unit × Quantity ordered.
• Currently Cash on Delivery (COD) only — buyer pays at delivery.
• Online payment (UPI/Card/Net Banking) coming soon.
• 0% Commission — seller keeps 100% of sale amount.
• No hidden charges, no listing fees, no transaction fees.

17.7 Order Processing & Status Updates

• Order status flow: Pending → Confirmed → Packed → Shipped → Out for Delivery → Delivered.
• Seller must update status within reasonable time.
• Buyer gets automatic notification on status changes.
• Status history timestamped and visible to both parties.
• Invoice (PDF) auto-generated on delivery.
• Both buyer and seller can track order via Order ID.

17.8 Seller Responsibilities & Anti-Fraud Policy IMPORTANT

• Seller responsible for product accuracy, quality, and description truthfulness.
• Use only own/authorized product images (stored on Cloudinary).
• Ship orders on time and update status accurately.
• Cancel orders only before shipping with valid reason.
• Refunds and returns handled between buyer and seller directly.
• Fake reviews, false listings, or fraud = account suspension.
• Impersonating another seller = permanent ban.
• Manipulating reviews or ratings = penalty.

17.9 Cancellation & Delivery Penalty STRICT

• Multiple Cancellations: 3+ cancellations in 30 days = KYC review. 5+ = KYC revoked. 7+ = Account banned.
• Non-Delivery: Orders marked "Delivered" but not actually delivered = PERMANENT BAN.
• Fake Delivery Updates: False status updates = immediate KYC removal + possible ban.
• Buyer Complaints: Multiple complaints about non-delivery = KYC review and revocation.
• Fraud Detection: Any fraudulent activity = immediate KYC cancellation + document lock + permanent ban.
• Seller can appeal with valid proof (buyer request, address issue, etc.).

17.10 ⭐ Reviews & Ratings System

• Buyer can review product after order is Delivered.
• Rating: 1-5 stars. Review text: Max 200 words.
• Images: Up to 2 images per review, max 5MB each.
• One review per product per buyer — duplicate reviews not allowed.
• Only verified buyers (who purchased) can review — no fake reviews.
• Seller cannot review their own products.
• Reviews are public and visible to all marketplace users.
• Review images stored on Cloudinary, deleted on review deletion.
• Buyer can delete their own review anytime from My Reviews page.
• Average rating calculated from all reviews, displayed on product cards.
• Products sortable by "Top Rated" and "Most Reviewed".
• Fake or manipulated reviews = review removal + account penalty.

17.11 💬 Chat & Communication

• Buyer can chat with seller before/after ordering via real-time messaging.
• Voice and Video calls available via WebRTC (peer-to-peer, not recorded).
• Chat includes: Text, Images, Audio, Payment proof uploads.
• Chat messages stored for 90 days, then auto-deleted.
• Payment proof images help verify COD transactions.
• Abusive or spam messages = chat restriction + account review.
• No sharing of personal contact details in chat (phone, email, address).

17.12 🔗 QR Code & Product Sharing

• Each product has a unique QR code for easy sharing.
• QR page (`/p/PRODUCT-ID`) is public — shows product details, images, reviews.
• Scanning QR code opens product page with order form.
• Ordering via QR requires login for buyer protection.
• QR code includes Billexa logo in center for brand authenticity.

17.13 🔍 Search & Discovery

• Products searchable by: Title, Description, Product ID, Seller name, Location, Category.
• Sort options: Newest, Oldest, Price (Low-High/High-Low), Most Viewed, Top Rated, Most Reviewed, Most Ordered.
• Category filter available for focused browsing.
• Search results limited to 50 products for performance.
• Verified sellers get better visibility in search results.

17.13.1 🏪 Seller's Product Store

• Each seller has a dedicated product page at /marketplace/seller-products?sellerId=USER_ID.
• Page displays: Seller avatar, name, KYC verification status, Trust Score.
• Shows all active products from that seller with search, sort, and status filters.
• Buyers can browse a seller's complete catalog from one place.
• Access via "View All Products" button on any product detail modal.
• Helps buyers discover more products from trusted sellers.
• Pagination enabled for sellers with many products.

17.14 Buyer Information & Rights

• Buyer can view seller verification badge before purchasing.
• Check seller Trust Score (0-100) for reliability assessment.
• View product reviews and ratings from other buyers.
• Chat/call seller for product inquiry before ordering.
• Report suspicious listings or fraud via support ticket.
• Buyer information (name, mobile, address) shared with seller for delivery only.
• Buyer email never shared with seller.
• Track order status in real-time without login via Order ID.

17.15 📋 Buyer Order Fields NEW

• Required Fields: Full Name, Mobile Number, Delivery Address.
• Optional Fields: Alternate Mobile, Landmark, Pincode, Email.
• 📱 Alternate Mobile: Backup contact number if primary is unreachable during delivery.
• 🏠 Landmark: Nearby landmark (e.g., Near Temple, Behind Mall) for easy delivery location identification.
• 📌 Pincode: Area pincode for delivery verification and location accuracy.
• 📧 Email: For order confirmation and invoice delivery (never shared with seller).
• All buyer information is used solely for order fulfillment and delivery purposes.
• Buyer data is never shared with third parties for marketing.
• Providing optional fields helps seller deliver faster and more accurately.

17.15A 🔄 Return & Refund Policy UPDATED

• Seller's Choice: Return policy is optional per product. Seller enables/disables via toggle during listing.
• Return Window: 3, 5, 7 (default), 10, or 15 days from delivery date.
• Badges: ✅ X-Day Return on returnable products. 🚫 No Return on non-returnable products.
• 📸 Return Proof Images:
• Buyer can upload up to 3 images as proof (damage, defect, wrong item).
• Accepted formats: JPG, PNG, WebP. Max 5MB each.
• Images visible to seller for verification.
• Images auto-deleted from server on Refund Complete or Return Rejected.
• 📦 Pickup Address:
• Buyer must provide pickup address during return request.
• Address visible to seller after request submission.
• Seller uses this address for item pickup/collection.
• 📅 Expected Dates:
• Seller provides Expected Pickup Date and Expected Refund Date on acceptance.
• Buyer can see expected timeline in return status.
• Helps set clear expectations for both parties.
• ⏳ Return Timeline:
• Step 1: 📝 Requested → Step 2: ⏳ Review (24-48 hrs) → Step 3: 📦 Pickup (1-3 days) → Step 4: 💰 Refund (3-5 days).
• Progress bar shows current stage visually.
• Color-coded badges: Pending (Orange), Accepted (Blue), Refunded (Green), Rejected (Red).
• Buyer Request: Buyer can request return within window via Order Detail page with reason + bank details + pickup address + proof images.
• Bank Details: Account Holder, Account Number, IFSC, Bank Name required for refund. Last used details auto-filled.
• Seller Actions:
• ✅ Accept Return: Seller provides expected dates, acknowledges request. Buyer notified with timeline.
• 📦 Received (UTR): Seller confirms item received + enters UTR for refund. Images auto-deleted.
• ❌ Reject: Seller rejects with reason. Order returns to Delivered. Images auto-deleted.
• UTR Mandatory: UTR/Transaction ID required when marking item as received for refund tracking.
• Return status visible on Order Detail, My Orders (with filter), and Track Order pages.
• Refund processed directly between buyer and seller. Billexa not liable for disputes.
• Seller can change return policy anytime. Changes apply to new orders only.
• Misuse of return system = Account penalty.

17.16 Commission & Fees

• 0% Commission — no listing fees, no selling fees, no hidden charges.
• 100% free for both buyers and sellers.
• This may change in future with minimum 30 days prior notice.
• Any future fees will be communicated via email and platform notification.

17.17 Data & Privacy

• Product images stored on Cloudinary secure servers.
• Chat messages auto-deleted after 90 days.
• Voice/Video calls not recorded or stored.
• Buyer personal data used only for order fulfillment.
• Complete privacy policy: Privacy Policy.
• Account deletion removes all marketplace data permanently.

17.18 Terms Acceptance

• By listing a product, seller agrees to all Marketplace Terms including cancellation penalties and review policies.
• By placing an order, buyer agrees to Marketplace Terms and payment obligations.
• By submitting a review, user agrees to public display of review content.
• Continued use of marketplace = acceptance of updated terms.
• Terms may be updated with notice. Major changes notified via email.
• Violation may result in: Warning → KYC revocation → Account suspension → Permanent ban.

17.19 📞 Phone Number & 📌 Pincode Policy

• Phone Number (Optional): Seller can add a contact number per product listing.
• Phone number is hidden by default — buyer must click "Show Contact Number" to reveal.
• Phone number only visible for KYC verified sellers on verified products.
• Seller can choose different phone numbers for different products.
• Buyer clicks revealed number to call directly (tap-to-call on mobile).
• Seller is responsible for the phone number provided — Billexa not liable for misuse.
• Leave phone field empty to hide contact option completely.
• Pincode (Optional): Seller can add area pincode for each product.
• Pincode helps buyers search products by location using pincode filter.
• Pincode visible on product detail page and QR page.
• Exact address not required — pincode provides general location reference.
• Seller can update or remove phone/pincode anytime via Edit Product.
• Misuse of phone feature (fake numbers, harassment) = Account penalty.

Dashboard

• Own data only. Stats are estimates. Update order status accurately.
• False updates = penalty. Export for own use. Dashboard needs active listings.

Analytics

• Informational only. IP-based tracking. Not 100% accurate.
• Don't share with other sellers. 12-month retention.
• We may use anonymized data for platform improvement.

21.1 Ticket Creation

• Via web (/support) or Telegram bot (/support command).
• Categories: Billing, Product, Marketplace, Order, Account, KYC, Telegram Bot, Expense, Profile, Other.

21.2 Response & Handling

• Response within 24-48 hours (business days).
• Urgent issues may be flagged for priority.
• Abusive or spam tickets = Account warning.
• False information = Ticket rejection.

21.3 Ticket Lifecycle

• Ticket history retained for 1 year.
• Admin replies are final for that specific ticket.
• Users can reopen closed tickets with new information.
• Track ticket status via web or /track command.

22.1 Services Provided

Expense Tracking: Billexa provides an Expense Tracker tool that allows you to record, categorize, and manage your business expenses including shop rent, electricity bills, staff salaries, internet charges, transport costs, raw materials, marketing expenses, and maintenance costs. You can upload bill or receipt images for each expense and download expense reports in PDF format.

22.2 User Responsibilities

Expense Accuracy: You are solely responsible for the accuracy of expense data you enter. Billexa does not verify expense amounts, categories, or descriptions. Ensure you enter correct information for accurate financial reports.

Receipt Authenticity: Any bill or receipt images you upload must be genuine and related to actual business expenses. Uploading fake, fraudulent, or misleading receipts is strictly prohibited.

Data Backup: While we maintain regular backups, we recommend exporting your expense data periodically as PDF reports for your own records.

22.3 Service Limitations

Financial Decisions: Billexa provides expense tracking as a tool for record-keeping and reporting. We are not responsible for any financial decisions made based on the data displayed. Please consult a qualified accountant for tax and compliance matters.

Tax Liability: Billexa does not calculate or file taxes on your behalf. The expense data you record is for your reference only. You are responsible for tax filing and compliance as per applicable laws.

22.4 Content Guidelines

Prohibited Content: You must not upload any bill or receipt images that contain illegal, offensive, or inappropriate content. Billexa reserves the right to remove such content and suspend accounts violating this policy.

22.5 Data Deletion

When you delete an expense record, the data and any associated bill image are permanently removed from our servers. Deleted expenses cannot be recovered. We recommend downloading a PDF report before deleting important records.

22.6 Service Availability

Billexa strives to provide uninterrupted access to your expense data. However, we are not liable for any temporary service interruptions or data loss due to technical issues beyond our control.

23.1 Account Information Accuracy

You agree to provide accurate and truthful information when updating your profile. Your full name must be your real name. Providing false or misleading information may result in account suspension or termination.

23.2 Profile Photo Policy

Profile photos must be appropriate and not contain nudity, violence, hate speech, or copyrighted material. We reserve the right to remove any profile photo that violates these terms. Uploaded photos must be in JPG, PNG, or WebP format and under 5MB in size.

23.3 Email & Mobile Number

Your registered email address and mobile number are permanent and cannot be changed after registration. These are used for account verification, security alerts, and important communications. You are responsible for maintaining access to your registered email and mobile number.

23.4 Business Information

If you provide business details (business name, GST number, address), you confirm that this information is accurate and belongs to you. Providing false GST information is illegal and may result in legal action. Billexa is not responsible for incorrect GST details on your invoices.

23.5 Business Logo

You may upload a Business Logo from your Profile page under the Business Information section. This logo appears on:

• 🧾 Invoice PDFs - Header section of all your generated invoices
• 🛒 Marketplace Store - Your seller profile and product pages
• 📊 Seller Dashboard - Your business identity

Logo Guidelines:

• Format: JPG, PNG, or WebP only
• Maximum file size: 5MB
• Square images recommended (1:1 ratio)
• Must not contain offensive, copyrighted, or misleading content
• If no logo uploaded, default Billexa branding appears on invoices

You can upload, change, or remove your business logo anytime from Profile → Business Information. Uploaded logos are stored securely on Cloudinary.

⚠️ Misuse: Uploading fake brand logos, copyrighted material, or offensive images may result in logo removal and account action.

23.6 Account Security & 2FA

You are responsible for maintaining the confidentiality of your account credentials. Any activity under your account is your responsibility. You can change your password anytime from the Profile page. Two-Factor Authentication (2FA) is available for all users from /setup-2fa. We strongly recommend enabling 2FA for enhanced account security. Billexa is not responsible for unauthorized access due to weak passwords or disabled 2FA.

23.7 Account Deletion

You may permanently delete your account from /delete-account. Your identity is verified through your active session. You must enter your password to confirm deletion. If 2FA is enabled, a valid 2FA code or backup code is required. Upon deletion, all your data including personal information, KYC documents, products, invoices, expenses, chat messages, marketplace listings, orders, and uploaded files will be permanently removed and cannot be recovered. Billexa is not responsible for data loss after account deletion.

23.8 Profile Updates

You can update your profile information (name, date of birth, gender, business details, business logo) anytime from the Profile page. Business logo changes reflect immediately on new invoices. Previously generated invoices retain the logo that was active at the time of generation. Billexa reserves the right to verify profile information if suspicious activity is detected.

26.1 What is Trust Score?

Trust Score (0-100) measures seller reliability. Higher scores = better visibility + buyer trust.

26.2 Score Calculation AUTOMATIC

26.3 Score Updates

Scores update automatically every midnight. No manual intervention needed. Scores reflect real-time product count, sales, and delivery performance.

26.4 Score Benefits

• ⭐ 80-100: Top seller visibility, featured placement
• ⭐ 50-79: Good standing, normal visibility
• ⭐ 30-49: New verified seller
• ⭐ 0-29: Unverified or needs improvement

26.5 Score Display

Trust Score is visible on product detail pages to buyers. Higher scores encourage buyer confidence and faster sales.

27.1 Service Description

Billexa provides an AI-powered chat assistant ("Billexa AI") to help users with platform queries. The AI uses third-party models via OpenRouter (Google Gemini, Meta Llama, Mistral AI).

27.2 AI Limitations

• AI responses may not always be 100% accurate
• Users should verify critical business decisions independently
• AI is designed to assist, not replace human judgment
• Responses may occasionally be incomplete

27.3 Data Usage & Privacy

• Queries processed through OpenRouter API securely
• Query data is NOT stored by AI providers for training
• Billexa logs query counts for rate limiting only
• No personal/business data from your account is sent to AI providers

27.4 Rate Limits DAILY

• 🟢 Guest Users: 10 AI queries per day
• 🔵 Registered Users: 30 AI queries per day
• 👑 Admin Users: Unlimited queries
• ⏰ Limits reset daily at midnight IST

27.5 Acceptable Use

Users must NOT:

• Generate illegal, harmful, or unethical content
• Attempt to extract system prompts or backend information
• Use automated or bulk queries (botting)
• Spam or disrupt the AI service

Violation may result in AI access restriction or account suspension.

27.6 No Liability

• Billexa not liable for decisions made based on AI responses
• AI provided "as is" without warranties of accuracy
• Users responsible for verifying AI-generated information

27.7 Service Availability

• AI availability depends on third-party API uptime
• Billexa reserves right to modify/discontinue AI feature
• Fallback responses provided if AI services unavailable

27.8 Changes to AI Terms

These AI terms may be updated without prior notice. Continued use = acceptance of updated terms.

28.1 Login Tracking

Billexa maintains a Login History for all user accounts. Each login attempt (successful or failed) is recorded with IP address, browser, operating system, device type, and timestamp.

28.2 Purpose

• 🔍 Monitor account activity for security
• 🚨 Detect suspicious or unauthorized access
• 📊 Track login patterns and devices
• 🛡️ Protect against unauthorized account use

28.3 What We Track

28.4 User Access

• View your login history at /login-history
• Last 50 login records retained
• Clear history anytime from the page
• Failed attempts highlighted in red
• New devices flagged with warning

28.5 Security Alerts

For admin accounts, Billexa sends Telegram alerts for:

• 🆕 Login from a new/unrecognized device
• 🔒 Account lockout after multiple failed attempts
• ✅ Successful admin login notifications

28.6 Data Retention

Login history is retained for the life of your account. Clearing history permanently deletes all records. Deleted data cannot be recovered.

29.1 What is 2FA?

Two-Factor Authentication adds an extra layer of security to your account. After entering your password, you must also enter a 6-digit code from an authenticator app (Google Authenticator, Authy, Microsoft Authenticator).

29.2 Available for ALL Users NEW

• 2FA is available for ALL users (Admin + Normal Users)
• Enable 2FA from /setup-2fa
• Navigate to Profile → Setup 2FA or directly visit the URL

29.3 Smart 2FA System

Billexa uses a Smart 2FA system:

• First 3 logins per day are free (no 2FA required) DEFAULT
• After 3 logins, 2FA is mandatory for the rest of the day
• Counter resets daily at midnight IST
• Users can change the threshold (1-20 logins) from /setup-2fa
• Set threshold to 1 for maximum security — 2FA on EVERY login

29.4 Setup Process

1. Go to /setup-2fa (available for all logged-in users)
2. Click "Enable Two-Factor Authentication"
3. Scan QR code with authenticator app (Google Authenticator, Authy, etc.)
4. Enter 6-digit verification code from the app
5. Save backup codes securely — these are shown only once!
6. 2FA is now active ✅

29.5 Backup Codes IMPORTANT

• 8 backup codes generated during setup
• Each code can be used only once
• Use backup codes if you lose access to authenticator app
• Store backup codes in a safe place (password manager, printed copy)
• ⚠️ Lost backup codes cannot be recovered
• Format: XXXX-XXXX (e.g., AB12-CD34)

29.6 Login Experience

• Without 2FA: Email/Password → Direct Dashboard
• With 2FA (within free limit): Email/Password → Dashboard (no code needed)
• With 2FA (limit reached): Email/Password → Enter 6-digit code → Dashboard
• You can also use a backup code instead of the 6-digit code

29.7 Disabling 2FA

• Go to /setup-2fa
• Requires: Current password + 2FA code (or backup code)
• ⚠️ Disabling reduces your account security
• All backup codes are invalidated after disabling

29.8 Login Lockout Protection

For accounts with 2FA enabled, after 5 failed login attempts:

• 🔒 Account temporarily locked for 15 minutes
• ⏰ Auto-unlock after 15 minutes
• ✅ Successful login (with correct 2FA) resets the counter
• Failed 2FA attempts are also counted towards lockout

29.9 Locked Out? HELP

If you lose both your authenticator app and backup codes:

• Contact support at admin@covexa.in
• Call support: +91 9351256357
• Identity verification required
• Manual 2FA reset by support team

29.10 Security Best Practices

29.11 API Endpoints

30.1 Forgot Password

If you forget your password, use the Forgot Password page:

1. Enter your username or email
2. Enter your registered mobile number
3. Enter your date of birth
4. Identity verified → Set new password

30.2 Identity Verification

• Username/Email + Mobile + DOB must match records
• All three fields required for security
• Failed verification does not reveal which field is wrong
• Multiple failed attempts may trigger security review

30.3 Password Requirements

• Minimum 6 characters
• Maximum 128 characters
• Use a mix of letters, numbers, and symbols for strength
• Avoid common passwords (123456, password, etc.)

30.4 Change Password (Logged In)

• Go to /change-password
• Enter current password + new password
• Password strength indicator provided
• Session remains active after change

30.5 Account Recovery Limitations

• Email and mobile number cannot be changed after registration
• If you lose access to both email and mobile, account recovery may not be possible
• Keep your contact information accessible

31.1 What is Rate Limiting?

Rate limiting controls how many requests a user can make to Billexa servers within a specific time period. This ensures fair usage, prevents abuse, and keeps the platform fast for everyone.

31.2 Current Limits

31.3 Why We Limit

• 🛡️ Prevent brute force attacks on login pages
• 📁 Stop spam KYC submissions and fake documents
• 🎫 Prevent ticket/feedback abuse
• ⚡ Keep servers fast for all genuine users
• 🔒 Protect against DDoS and automated bots

31.4 What Happens When Limit Exceeded?

When you exceed the rate limit, you will receive a 429 Too Many Requests error. You must wait for the time period to reset before making new requests. Repeated violations may result in temporary IP blocks.

31.5 Exemptions

• Static files (CSS, JS, images) are not rate limited
• Admin accounts may have higher limits for certain operations
• Emergency situations can be reviewed case-by-case

31.6 Changes to Limits

Billexa reserves the right to modify rate limits at any time to protect platform stability. Major changes will be announced via our updates page.

32.1 Program Overview

Billexa offers a Referral Program where existing users can earn ₹50 per successful referral. The reward is credited only to the referrer (the person who shares the referral link).

32.2 Eligibility Conditions (5 Conditions)

To qualify for the ₹50 payout, the referred friend must complete ALL 5 conditions:

• 💳 Set UPI ID in their profile
• 📧 Verify email address
• 🛡️ Complete KYC verification (Aadhar + PAN)
• 📦 Add at least 1 product to inventory
• 📅 Account must be 7 days old

32.3 How It Works

1. Set your UPI ID on the Referral page
2. Get your unique referral code (e.g., BILXXXX123)
3. Share your link: https://billexa.in/ref/YOURCODE
4. Friend registers using your link
5. Friend completes all 5 conditions
6. You earn ₹50 → Admin sends payout via UPI

32.4 Payout Process

• 💸 Payouts are processed manually by Billexa admin
• 🏦 Amount is sent directly to your registered UPI ID
• 🧾 You receive a UTR (Unique Transaction Reference) after payment
• ⏱️ Payouts typically processed within 7 business days
• 📊 Track status on the Referral page — click any referral for details

32.5 Important Rules

• 🚫 Self-referral strictly prohibited — cannot refer yourself
• 👤 Each person can only be referred once
• 🤖 Fake accounts, bots, or fraud = PERMANENT BAN
• 📝 Billexa reserves the right to modify or terminate the program
• 💰 Reward amounts subject to change with prior notice
• 📊 Monthly payout may be capped per user
• ♾️ Program is permanent but terms may be updated

32.6 UPI ID Responsibility

• ✅ You must provide a correct and active UPI ID
• ❌ Wrong UPI ID = failed payout (Billexa not responsible)
• ✏️ Update UPI ID anytime from Referral page
• 🔒 UPI ID is private — only you and admin can see it
• 📋 UPI change history is logged for security (admin only)

32.7 Program Availability

• 🇮🇳 Currently available for Indian users only
• 💵 Payouts in Indian Rupees (INR) via UPI
• ♾️ This is a permanent program
• 📢 Terms and reward amounts may change with prior notice

33.1 What is Community Feed?

Billexa Community Feed is a public platform where users can share updates, product promotions, and business news. Think of it like Twitter/X for Billexa sellers and buyers.

33.2 Who Can Post?

• ✅ All logged-in users can create posts
• 👀 Guests can only view posts (cannot post, like, or comment)
• 👑 Admins can view all posts

33.3 Post Content Rules

• 📝 Text: Maximum 500 characters per post
• 🖼️ Images: Maximum 3 images per post, 5MB each, JPG/PNG/WebP only
• 🔗 Links: Product links (/p/MP-XXXXX) or external URLs allowed
• 📅 Posts display date and time of creation with relative timestamps

33.4 Prohibited Content STRICT

• ❌ Illegal, harmful, or offensive content
• ❌ Spam, scams, or fraudulent promotions
• ❌ Hate speech, harassment, or bullying
• ❌ Copyrighted material without permission
• ❌ Fake or misleading product information
• ❌ Adult or sexually explicit content
• ❌ Personal attacks or doxxing

Violation = Post/Comment removal + Account warning/ban

33.5 Post Management

• ✏️ Edit: Users can edit their own posts (text and images)
• 🗑️ Delete: Users can delete their own posts anytime
• 🖼️ Deleted post images are permanently removed from Cloudinary
• 💬 Deleting a post also removes all associated comments
• 📝 Edited posts retain original timestamp

33.6 Likes & Engagement

• ❤️ Logged-in users can like/unlike posts and comments
• 👍 Like count is visible to all users
• 📊 Like data is public

33.7 Comments & Discussions 🆕

• 💬 Logged-in users can comment on any post
• 📝 Comments are limited to 300 characters
• ✏️ Users can edit their own comments (edited comments show "edited" tag)
• 🗑️ Users can delete their own comments (soft delete - hidden from view)
• ❤️ Users can like/unlike individual comments
• 👀 Comment count is visible on each post in the feed
• ⏱️ Comments display relative timestamps (e.g., "5m ago", "2h ago")
• 🔒 Only comment owner can edit or delete their comment
• 📊 Comments are loaded on-demand when expanding a post
• 🔄 Comment count updates in real-time after add/delete

33.8 Content Ownership

• 📸 You retain ownership of your post content, comments, and images
• 🌐 By posting, you grant Billexa a non-exclusive license to display your content on the platform
• 🗑️ Deleting a post removes it from public view, Cloudinary, and all associated comments

33.9 Privacy & Data

• 👤 Your name is visible on your posts and comments
• 📧 Email and personal details are NEVER shared publicly
• 🖼️ Post images stored securely on Cloudinary
• 💬 Comment data stored in secure database
• ⏱️ Posts and comments remain visible until deleted by user or admin

33.10 Reporting Abuse

If you see inappropriate content in posts or comments, report it via:

• 📧 Email: admin@covexa.in
• 🎫 Support Ticket: /support

33.11 Enforcement

• ⚠️ First violation: Warning + Content removal (post/comment)
• 🚫 Repeated violations: Account suspension
• 🔨 Severe violations: Permanent ban
• 📋 Admin decisions are final

34.1 What is Buyer Trust Score?

Just like sellers have Trust Scores, buyers also get a Trust Score (0-100) based on their order history, completion rate, cancellation rate, and spending patterns. This helps sellers evaluate buyer reliability.

34.2 Score Calculation

34.3 Buyer Badges

• 🏆 Trusted Buyer (90-100): Highly reliable, excellent history
• ⭐ Premium Buyer (75-89): Very good standing
• 👍 Verified Buyer (60-74): Good track record
• 👤 Regular Buyer (40-59): Normal activity
• 🆕 New Buyer (0-39): New or limited history

34.4 Where is it Visible?

• 🛒 Order Detail Page: Sellers can see buyer's Trust Score when viewing orders
• 📊 Buyer Profile Card: Shows score, badge, total orders, completed, cancelled, and completion rate
• 🔐 Privacy: Only the seller receiving the order can view the buyer's score

34.5 Score Updates

Buyer Trust Score updates automatically when orders are created, completed, or cancelled. No manual intervention needed. Scores reflect real-time order behavior.