SFEMI Rulebook

SFEMI Advance EMI is a structured monthly installment purchase agreement for durable home and commercial furniture.

The product showroom base price represents the total contract value, without hidden financing charges or inflated interest rates.

Default monthly EMI is deterministically derived by dividing total contract value by the batch tenure (e.g., 10 to 15 months).

Subscriptions are organized into controlled batches of up to 100 slots (numbered 00 to 99).

A customer may hold multiple SFEMI IDs across multiple independent contracts.

SFEMI ID allocation provides promotional-cycle eligibility but does NOT guarantee any benefit.

SFEMI is presented as a genuine retail purchase plan; customers must rely on the approved contract and applicable law.

Batch eligibility is locked 24 hours prior to draw execution, generating an immutable DrawEligibilitySnapshot.

Prior to the draw, the system generates a secret cryptographic seed and publishes its SHA-256 commitment hash publicly.

The draw is conducted openly at the showroom in the presence of customers.

Following draw selection, the secret seed is revealed, allowing public verification that Hash == SHA256(seed + winning_number).

Public benefit displays mask personal customer names to comply with the DPDP Act, 2023.

No customer or administrative action can alter or manipulate a revealed draw outcome.

Customers paying an advance prepayment threshold (60% to 80% upfront) qualify for Same-Day Enrollment & Same-Day Delivery.

Physical handover requires verified customer ID, co-signed Delivery Handover Note, room photo, and driver GPS confirmation.

SFEMI Benefit: Any approved future-EMI treatment is governed by the signed contract and applies only to future obligations.

Zero Cash Refund Invariant: Under no circumstances is any settled EMI or advance down payment refunded in cash or bank transfer.

The customer retains full, unencumbered ownership of the already-delivered furniture once the waiver is executed.

Contracts featuring advance delivery are legally classified under Hire-Purchase principles with title retention.

Legal ownership remains strictly with Subidha Furniture until 100% of the contract value is settled (via payments or audited waiver).

The customer maintains possessory custody as a bailee and must protect the asset against damage or unauthorized transfer.

In the event of installment default exceeding thirty (30) days following formal notice, Subidha Furniture reserves the enforceable legal right to repossess the goods.

Quotation validity is standard seven (7) calendar days based on real-time stock valuation.

Confirmed sales generate sequential tax invoices logged in the sales ledger.

Legal ownership transfers to the customer only upon 100% payment receipt and physical delivery handover.

Partial advance payments establish booking reservations; title and lien remain with Subidha Furniture until fully settled.

Pre-invoice cancellations result in full advance refund; post-invoice pre-dispatch cancellations generate an audited Credit Note.

Stock-on-Hand Invariant: All furniture must physically exist in the Stock Ledger before customer delivery or rental custody.

Shipments must be backed by an approved Purchase Order (PO) and Goods Receipt Note (GRN) posting a PURCHASE_IN movement.

Purchase returns to vendors require a mandatory return reason and cannot exceed purchased quantity minus prior returns.

Vendor returns post PURCHASE_RETURN_OUT movements and generate an audited Vendor Debit Note adjusting accounts payable.

Suppliers must honor warranty terms and provide replacement units within 14 business days for manufacturing defects.

Rent and Lease grant possessory custody under bailment; physical assets remain Subidha Furniture's corporate property.

Mandatory KYC (Masked ID + Address Proof) and Premises Tenancy Deed / Rent Agreement are required before contract activation.

A 20% to 30% refundable security deposit is maintained in a segregated deposit ledger as a customer liability.

Monthly rental demands are billed separately and cannot be casually offset against the deposit during active tenure.

Mandatory 45-Day Arrears Cutoff: Staff must initiate repossession pickup if arrears reach 45 days, preventing deposit exhaustion.

Technical return inspection grades condition into Tiers 1 through 4, with itemized deductions and electronic refund within 7 banking days.

Delivery window unlocks ONLY upon: (1) Draw Winner, OR (2) Completed Tenure, OR (3) 60%–80% Advance Prepayment threshold.

Admin Override deliveries for ineligible subscriptions require executive sign-off and permanently carry a visible Admin Override audit badge.

Secure Mobile Handover Link: Store admin generates a tamper-proof, time-limited request link (valid 7 days) sent to the delivery driver or customer via WhatsApp/SMS without sharing admin credentials.

Mandatory Quality Proof (Rule CTRL-RENT-2): Delivery cannot transition to DELIVERED status without an attached Proof of Delivery (POD) record.

Photo 1 (Product Quality Capture): Driver must take an in-room photo of the assembled furniture displaying finish, woodwork, upholstery, and serial tag to establish baseline quality.

Photo 2 (Recipient Handover Photo): Delivery crew takes a photo of the customer/recipient standing with the furniture at their premises.

Digital Touchscreen Signature: Recipient signs directly on the smartphone screen using an interactive digital signature pad.

Geotagged Delivery GPS: Exact GPS coordinates (latitude/longitude) and timestamp are recorded automatically to verify the physical delivery address.

Return & Deposit Protection: For rent and lease, this handover photo evidence serves as the legal baseline during end-of-tenure return inspections to distinguish pre-existing condition from customer damage.

Customers must verify that building doorways, stairwells, and passages permit passage of assembled furniture.

Approved payment channels: Cash Counter, authorized dynamic UPI QR, and designated Company Bank Transfer accounts.

A payment is legally recognized ONLY when backed by an official system-generated receipt.

Financial ledgers are append-only; silent database mutations, deletes, or truncates are strictly prohibited.

Payment reversal generates a PAYMENT_REVERSAL entry using payment=None and stores the reversed ID in allocation_context.

Daily three-way reconciliation compares physical drawers, dynamic COA mapping, and expected installment schedules.

Dual warranty framework: OEM branded warranty pass-through plus 12-month Subidha structural woodwork warranty and 6-month hardware warranty.

Exclusions strictly cover transit damage post-handover, customer abuse, water pooling, fire, termites/pests, and unauthorized repairs.

All service requests generate an auditable ticket (ServiceDeskCase) with formal triage, inspection, estimate, and completion sign-off.

Genuine hardware components maintained for a minimum of 24 months post-sale.

Partners act as customer liaisons and lead facilitators; registration creates no legal agency or employment.

Commission calculations are automated internal workflows; partners cannot self-approve or self-post commission payouts.

Commission Clawback Invariant: Cancelled subscriptions or reversed payments trigger an automatic clawback debited from accrued commissions.

Partners have no authority to promise waivers, lucky draw wins, discounts, or delivery dates outside signed contracts.

Structured 3-Tier Grievance Framework: Tier 1 (Showroom Desk), Tier 2 (Grievance Officer Pradip Roy), Tier 3 (Executive / Arbitration).

Statutory compliance with Consumer Protection Act, 2019, and DPDP Act, 2023.

Aadhaar numbers are masked (last 4 digits only); customer data is never commercialized or sold to third parties.

Jurisdiction for all disputes is seated exclusively in the competent civil courts at Asansol, Paschim Barddhaman, West Bengal.