1. **Contract Value Determination**: The product's showroom base price represents the total contract value. Monthly EMI is deterministically computed by dividing the total contract value by the batch tenure (e.g., 10 to 15 months).

2. Batch Architecture & Lucky ID Allocation

1. **Managed Batch Cycles**: Subscriptions are organized into structured batches containing a maximum of 100 slots (numbered 00 to 99).
2. **Lucky ID Assignment**:

• Each enrolled customer is allocated a unique Lucky ID within their chosen batch upon initial installment payment.
• A customer may enroll in multiple subscriptions across the same or different batches, receiving an independent Lucky ID for each contract.
• Lucky ID allocation does not guarantee winning.

3. Advance Delivery Facility (60% to 80% Prepayment)

1. **Same-Day Delivery Privilege**: Customers opting for the Advance Delivery provision pay between 60% and 80% of the total contract value at enrollment. This unlocks immediate stock allocation and same-day delivery.
2. **Hire-Purchase Title Retention**:

• Products delivered under advance prepayment remain under Hire-Purchase title retention.
• Legal ownership remains strictly with Subidha Furniture until 100% of the contract value is settled.
• The customer maintains possessory custody as a bailee and must care for the asset.

1. **30-Day Default Repossession**: In the event of payment default exceeding thirty (30) days on remaining installments, Subidha Furniture reserves the enforceable right to repossess the goods.

4. Cryptographic Fair Draw Procedure (Commit-then-Reveal)

1. **Batch Lock**: Prior to draw execution, batch eligibility is locked. An immutable cryptographic snapshot of all active, eligible Lucky IDs is recorded.
2. **SHA-256 Commitment**:

• Before the draw, the system generates a random seed and commitment string, computing its SHA-256 cryptographic hash.
• The commitment hash is publicly published on the website prior to the draw event.

1. **Public Reveal & Verification**:

• Following the physical or automated draw selection, the secret seed and winning number are revealed.
• Any customer or auditor can verify that `SHA256(seed + winning_number) == published_hash`, proving mathematically that the winning number was not altered retrospectively.

1. **Privacy Protection**: Winner names are masked on public displays (e.g., "Pradip R***, Lucky ID: 42") in accordance with data privacy standards.

5. Winner Benefit: Strict Future EMI Waiver Invariant

1. **Future Obligations Waived**: When a Lucky ID is verified as the winning slot for a draw month, all remaining unpaid future EMIs from that month forward are **100% waived**.
2. **Zero Cash Refund Invariant**:

• Any EMI or advance down payment settled prior to the winning draw is fully earned, posted, and append-only.
• **Under no circumstances is any cash, bank transfer, or monetary refund issued for settled payments.**
• The winner receives complete ownership title to the furniture without paying the remaining balance.

1. **Contract Settlement**: The contract status transitions to `WON`, remaining receivables are extinguished via audited waiver entries, and an official Certificate of Ownership is issued.

• Business Policies
• SFEMI Policy
• Rental / Lease Policy
• Direct Sale Policy
• Warranty & Support
• Delivery Policy
• Payment Policy
• Service / Repair Policy
• Refund / Cancellation