A2Z GIFT CARD

POLICIES & TERMS

JSR ALL-IN-ONE SOLUTIONS PRIVATE LIMITED
Transparent policies, customer protection and responsible gift-card / gift-voucher operations.

Master Policy19 POLICY FRAMEWORK

Integrated Master Policy Framework – 19 Policies

JSR ALL-IN-ONE SOLUTIONS PRIVATE LIMITED

Establishes the Company's overarching governance framework.
Covers customer protection, KYC, AML/CFT, fraud and cyber security.
Supports payment, refund, dispute, vendor and operational controls.
Provides governance for the Company's integrated policy framework.

Master Policy↗

Supporting Policies

Policy Framework

Information Security & Cyber Security Policy

Protects information, systems and digital assets.
Supports confidentiality, integrity and availability.
Access is managed according to business requirements.
Security incidents are handled through appropriate procedures.

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Cyber Incident Response & Cyber Fraud Management Policy

Provides a structured approach to cyber incidents.
Supports identification and investigation of suspicious activity.
Appropriate containment and recovery measures may be applied.
Relevant incident records are maintained.

View Policy↗

Business Continuity & Disaster Recovery Policy

Supports continuity of critical business services.
Establishes principles for operational resilience.
Recovery procedures may be maintained for relevant systems.
Continuity arrangements are reviewed periodically.

View Policy↗

Anti-Money Laundering (AML) & Counter-Terrorist Financing (CFT) Policy

Supports appropriate AML/CFT governance and controls.
Relevant customer and transaction risks may be assessed.
Financial-crime controls are implemented where applicable.
Relevant records and escalation procedures are maintained.

View Policy↗

Fraud Prevention & Transaction Monitoring Policy

Supports prevention and detection of fraudulent activity.
Transactions may be monitored using risk indicators.
Potentially suspicious activity may be investigated.
Controls help protect customers and transactions.

View Policy↗

Chargeback & Dispute Management Policy

Provides a framework for payment disputes and chargebacks.
Dispute evidence and transaction information may be reviewed.
Chargeback cases are handled through documented procedures.
Relevant financial records and reconciliation are maintained.

View Policy↗

Customer Grievance & Redressal Policy

Provides channels for customer grievances and complaints.
Customer issues may be classified and investigated.
Appropriate escalation and resolution procedures are followed.
Complaint records are maintained for monitoring and review.

View Policy↗

Cyber Fraud Prevention & Incident Response Policy

Supports prevention and detection of cyber-enabled fraud.
Fraud alerts and incidents may be investigated.
Appropriate containment and customer-protection measures may be applied.
Incident records and corrective actions are maintained.

View Policy↗

Data Protection, Privacy, Retention & Record-Keeping Policy

Supports responsible handling of personal and business information.
Appropriate safeguards help protect customer information.
Records are retained according to applicable requirements.
Relevant records should be maintained accurately and securely.

View Policy↗

Gift Card / Gift Voucher Terms & Conditions

Defines customer-facing gift card and voucher terms.
Customers should review product-specific conditions before purchase.
Redemption is subject to applicable programme and merchant restrictions.
Customers should protect voucher codes and transaction information.

View Policy↗

Refund, Cancellation & Customer Payment Policy

Provides principles for customer payments, cancellations and refunds.
Eligible refunds may be processed according to applicable terms.
Failed and reversed transactions may be reviewed and reconciled.
Customers receive appropriate payment and refund status information.

View Policy↗

Third-Party / Vendor Risk Management Policy

Provides principles for managing vendor relationships.
Relevant vendors may undergo risk assessment and due diligence.
Appropriate contractual and monitoring controls may be applied.
Material vendor relationships may be reviewed periodically.

View Policy↗

Transaction Limit & Risk Control Policy

Establishes principles for transaction limits and risk controls.
Transaction velocity and risk indicators may be monitored.
High-risk transactions may be subject to additional controls.
Exceptions and material risk decisions are appropriately documented.

View Policy↗

Unauthorised Transaction Management Policy

Provides a framework for unauthorised transaction reports.
Reported transactions may be investigated and verified.
Customer protection and appropriate escalation measures may be applied.
Relevant transaction and resolution records are maintained.

View Policy↗

KYC / Customer Verification Policy

Supports customer identification and verification.
Relevant customer information may be reviewed.
Customer risk may be assessed using applicable criteria.
Verification records and controls are maintained appropriately.

View Policy↗

A2Z GIFT CARD

POLICIES & TERMS

JSR ALL-IN-ONE SOLUTIONS PRIVATE LIMITED
Transparent policies, customer protection and responsible gift-card / gift-voucher operations.

Master Policy19 POLICY FRAMEWORK

Integrated Master Policy Framework – 19 Policies

JSR ALL-IN-ONE SOLUTIONS PRIVATE LIMITED

Establishes the Company's overarching governance framework.
Covers customer protection, KYC, AML/CFT, fraud and cyber security.
Supports payment, refund, dispute, vendor and operational controls.
Provides governance for the Company's integrated policy framework.

Master Policy↗

Supporting Policies

Policy Framework

Information Security & Cyber Security Policy

Protects information, systems and digital assets.
Supports confidentiality, integrity and availability.
Access is managed according to business requirements.
Security incidents are handled through appropriate procedures.

View Policy↗

Cyber Incident Response & Cyber Fraud Management Policy

Provides a structured approach to cyber incidents.
Supports identification and investigation of suspicious activity.
Appropriate containment and recovery measures may be applied.
Relevant incident records are maintained.

View Policy↗

Business Continuity & Disaster Recovery Policy

Supports continuity of critical business services.
Establishes principles for operational resilience.
Recovery procedures may be maintained for relevant systems.
Continuity arrangements are reviewed periodically.

View Policy↗

Anti-Money Laundering (AML) & Counter-Terrorist Financing (CFT) Policy

Supports appropriate AML/CFT governance and controls.
Relevant customer and transaction risks may be assessed.
Financial-crime controls are implemented where applicable.
Relevant records and escalation procedures are maintained.

View Policy↗

Fraud Prevention & Transaction Monitoring Policy

Supports prevention and detection of fraudulent activity.
Transactions may be monitored using risk indicators.
Potentially suspicious activity may be investigated.
Controls help protect customers and transactions.

View Policy↗

Chargeback & Dispute Management Policy

Provides a framework for payment disputes and chargebacks.
Dispute evidence and transaction information may be reviewed.
Chargeback cases are handled through documented procedures.
Relevant financial records and reconciliation are maintained.

View Policy↗

Customer Grievance & Redressal Policy

Provides channels for customer grievances and complaints.
Customer issues may be classified and investigated.
Appropriate escalation and resolution procedures are followed.
Complaint records are maintained for monitoring and review.

View Policy↗

Cyber Fraud Prevention & Incident Response Policy

Supports prevention and detection of cyber-enabled fraud.
Fraud alerts and incidents may be investigated.
Appropriate containment and customer-protection measures may be applied.
Incident records and corrective actions are maintained.

View Policy↗

Data Protection, Privacy, Retention & Record-Keeping Policy

Supports responsible handling of personal and business information.
Appropriate safeguards help protect customer information.
Records are retained according to applicable requirements.
Relevant records should be maintained accurately and securely.

View Policy↗

Gift Card / Gift Voucher Terms & Conditions

Defines customer-facing gift card and voucher terms.
Customers should review product-specific conditions before purchase.
Redemption is subject to applicable programme and merchant restrictions.
Customers should protect voucher codes and transaction information.

View Policy↗

Refund, Cancellation & Customer Payment Policy

Provides principles for customer payments, cancellations and refunds.
Eligible refunds may be processed according to applicable terms.
Failed and reversed transactions may be reviewed and reconciled.
Customers receive appropriate payment and refund status information.

View Policy↗

Third-Party / Vendor Risk Management Policy

Provides principles for managing vendor relationships.
Relevant vendors may undergo risk assessment and due diligence.
Appropriate contractual and monitoring controls may be applied.
Material vendor relationships may be reviewed periodically.

View Policy↗

Transaction Limit & Risk Control Policy

Establishes principles for transaction limits and risk controls.
Transaction velocity and risk indicators may be monitored.
High-risk transactions may be subject to additional controls.
Exceptions and material risk decisions are appropriately documented.

View Policy↗

Unauthorised Transaction Management Policy

Provides a framework for unauthorised transaction reports.
Reported transactions may be investigated and verified.
Customer protection and appropriate escalation measures may be applied.
Relevant transaction and resolution records are maintained.

View Policy↗

KYC / Customer Verification Policy

Supports customer identification and verification.
Relevant customer information may be reviewed.
Customer risk may be assessed using applicable criteria.
Verification records and controls are maintained appropriately.

View Policy↗