Affiliate Payout Policy

Last Updated: August 6, 2026
Effective From: August 6, 2026
Support: affiliate@karosimple.in

1. Overview

This Payout Policy explains how, when, and under what conditions Influencer/Affiliate Partners and Business Owner referrers receive their earned commissions or Karo Coins under the Karo Simple Affiliate & Referral Program. This policy should be read together with the Affiliate Partner Agreement.

Karo Simple may update this policy at any time to reflect changes in our payout process, thresholds, or applicable regulations. Any change will be reflected in the "Last Updated" date above, and material changes will be communicated with reasonable advance notice.

2. Two Separate Reward Systems

The rules below apply separately to each, as indicated in each section.

3. Hold Period (Applies to Both Tracks)

Every earned commission or coin reward is subject to a 15-day hold period, starting from the date of the qualifying transaction. During this period, the earning is visible on your dashboard as "Pending" but is not available for payout or redemption.

This hold exists to protect against refunds, cancellations, or chargebacks on the underlying transaction. If the referred transaction is refunded or reversed during or after this period, the corresponding commission or coin amount will be deducted, as described in Section 8.

After the 15-day hold, earnings move to "Approved" status. For Business Owner coin rewards, an additional manual review and approval step by Karo Simple's administration team is required before coins become spendable — see Section 6.

4. Influencer / Affiliate Payout Process

4.1 Minimum Threshold

You may request a payout once your wallet balance reaches the minimum threshold shown on your Affiliate Dashboard. The current minimum payout threshold is ₹1,000. This threshold may be revised from time to time; the amount displayed on your dashboard at the time of your claim governs.

4.2 How to Claim

Once your wallet balance meets the minimum threshold, click "Claim Payout" on your Affiliate Dashboard. Your bank account details must be added and verified before a claim can be submitted.

4.3 Review and Payment

All payout requests are manually reviewed by Karo Simple's administration team. This is a deliberate, non-automated process to ensure accuracy and fraud protection. Karo Simple aims to process approved payout requests within 2–3 business days, though this may vary depending on volume and verification requirements.

Once approved, payment is transferred directly to your verified bank account. You will receive an email confirmation once payment has been processed, including the transaction reference.

4.4 Bank Detail Lock

You cannot modify your bank account details while a payout request is under review or processing. This restriction exists to prevent fraudulent redirection of funds. You may update your bank details once any active payout request has been completed or rejected.

4.5 TDS Deduction

If your cumulative payouts within a financial year (April to March) exceed ₹30,000, Karo Simple will deduct 10% Tax Deducted at Source (TDS) on the portion exceeding this threshold, in accordance with Indian tax law. The net amount after TDS deduction will be transferred to your account, and Form 16A will be issued to you annually.

5. Business Owner Coin Redemption Process

5.1 Minimum Threshold

You may redeem coins once your coin balance reaches the minimum threshold shown on your dashboard. The current minimum redemption threshold is 500 coins.

5.2 Coin Value

The current coin conversion rate is 2 Karo Coins = ₹1. This rate may be revised; the rate displayed on your dashboard at the time of redemption governs.

5.3 What Coins Can Be Used For

Karo Coins may be redeemed only within the Karo Simple platform, applied toward:

• Subscription plan renewals
• QR code reprint charges
• AI-generated review credits
• Other eligible in-platform purchases, as made available from time to time

Karo Coins have no cash value, cannot be withdrawn as cash, cannot be transferred to another account, and cannot be sold or exchanged outside the platform.

5.4 Approval Requirement

Unlike standard purchases, Karo Coins earned through referrals do not become spendable automatically after the 15-day hold. They require an additional manual approval step by Karo Simple's administration team before being credited as spendable balance. This is a deliberate fraud-prevention measure.

6. Commission Rates and Promotional Offers

Standard commission rates (percentage-based tiers for Influencer partners on Starter/Pro plans, flat rewards for Agency plan referrals, and coin rewards for Business Owner referrals) are described in the Affiliate Partner Agreement.

Karo Simple may, from time to time, run limited-time promotional campaigns — for example during festivals or special sales events — offering increased commission rates, bonus coins, or other temporary incentives. These promotions will always be clearly communicated and reflected on your dashboard for the duration of the offer.

7. Payment Method

All Influencer/Affiliate payouts are made via direct bank transfer (NEFT/IMPS as applicable) to your verified bank account. Karo Simple does not currently support payout via UPI-only transfer, cheque, or cash.

8. Refunds, Chargebacks, and Clawback

If a customer or business you referred requests a refund, disputes a charge, or cancels their purchase — whether during the 15-day hold period or after — Karo Simple reserves the right to reverse the associated commission or coin reward. If the reward has already been paid or credited to you, the corresponding amount will be deducted from your future earnings, wallet balance, or coin balance.

9. Disputes

If you believe there is an error in your commission calculation, payout amount, or coin balance, please contact us at affiliate@karosimple.in with details of the transaction in question. We will review your claim and respond within a reasonable timeframe.

10. Contact

For any payout-related questions, please reach out to: