MANJAM / BALANCE

MANJAM Balance Terms

Effective date: 3 September 2026

Version: 1.7

1. Closed-loop purchasing balance

MANJAM Balance is designed solely for eligible purchases sold by MANJAM through THT GLOBAL LIMITED. It cannot be transferred between users, used for P2P payments, used to pay third-party merchants, or used as a general-purpose wallet.

2. Cash Balance and MANJAM Credit are separate

Customer-funded monetary value is recorded as Cash Balance. Promotional, referral, compensation or bonus value is recorded separately as MANJAM Credit. These categories are not interchangeable and must remain separately attributable in MANJAM’s ledger and customer records.

3. Funding must be explicit

Adding funds is a separate customer-authorized action. MANJAM will not disguise a product payment as balance funding and will not automatically convert a product refund into store credit merely because an item becomes unavailable.

3A. Order-linked funding and insufficient Balance

When MANJAM Balance is enabled as a payment method for an accepted order, checkout will first show the customer’s eligible Available Balance, the Order Total and the exact Additional Funds Required. If Available Balance is insufficient, the customer may be directed to an explicit Add [shortfall] to MANJAM Balance & Continue step. For example, if a first order totals USD 800 and the customer has USD 0 Available Balance, the funding step will show USD 800 as the Additional Funds Required. That USD 800 is added to Customer-funded Cash Balance only after the customer expressly authorizes the Balance funding transaction.

After the funding is confirmed, the customer returns to the same Order ID and confirms use of MANJAM Balance for the order. The order amount is then moved from Available Balance to Reserved Balance. Funding the Balance and reserving Balance for an order are separate ledger events, even where the user experience links them in one continuous checkout journey.

3B. Manual funding requests

When lawfully enabled for the customer’s account and location, the application may offer two separate methods. For Credit card, the customer submits only a request for a payment link for the desired Cash Balance amount. That request is not a payment, does not authorize a charge and does not accept any fee. After staff review, a secure payment link is made available in the account’s private Notifications, and a delivery request for the registered email is handed to the email provider. Provider acceptance does not prove inbox delivery; the customer should also check spam. If provider submission or later email delivery fails, Deposit History must show that result truthfully and the private Notification remains the active secure access path; the customer may contact Customer Care for redelivery help. The provider checkout must show the exact Cash Balance amount, every applicable fee and the total payable before the Pay control. MANJAM’s card funding fee is 4% of the requested Cash Balance amount (for example a 100 USD top-up totals 104 USD); the exact server-quoted figure is displayed before the customer confirms. The customer may close it without paying. A private Notification or email-delivery request, an opened or expired link, or a return to the app is not evidence that MANJAM received funds.

For bank transfer, MANJAM’s funding fee is 0. The customer first selects a bank location and then sees only that location’s receiving instructions. The exact displayed currency and total must be sent, using the Deposit ID as the transfer reference where the bank supports one. Sending-bank, intermediary-bank or foreign-exchange charges are not MANJAM fees and must not reduce the amount received. Creating a request or supplying a receipt image is not payment confirmation; Cash Balance is credited only after MANJAM verifies cleared funds. A wrong currency, account or reference, a transfer after closure or expiry, or a bank recall may be delayed, rejected, or returned less external costs where applicable law permits.

4. Reservation before settlement

When MANJAM Balance is used for an order, the required amount is first moved from Available Balance to Reserved Balance. Reservation is a hold within the MANJAM account and is not the same as a completed spend. Once the fulfilled amount is confirmed, the corresponding reserved amount is settled. Any unused reserved amount is released back to Available Balance.

If an order uses more than one Balance value category, the Order Review must show the allocation between eligible MANJAM Credit and Cash Balance before confirmation. Any later release restores value to the same category from which it was reserved; promotional value is never converted into customer-funded cash and customer-funded cash is never converted into promotional value.

5. Item unavailability and order reductions

If part or all of an order cannot be fulfilled before settlement, the unused reserved amount is released back to the same MANJAM Balance value category from which it was reserved. Customer-funded cash must not be converted into promotional credit. The transaction history may describe this as “Released to Available Balance” or “Restored to MANJAM Balance”; it is not described as a card refund where no external card refund occurred.

6. Confirmed Total orders

MANJAM will not increase a Confirmed Total after checkout. If an item becomes unavailable or we cannot dispatch at that total, we will contact the customer before dispatch and offer the applicable cancellation and refund option. Any unused reserved amount is released back to the same Balance value category from which it was reserved. A different amount requires a new quote and the customer’s express acceptance. See the Confirmed Total Commitment.

7. Cash redemption and mandatory rights

MANJAM Balance is non-transferable and Customer-funded Cash Balance is not freely redeemable for cash, except where applicable law requires redemption or another remedy. Nothing in these Terms excludes mandatory consumer or payment rights that cannot lawfully be excluded.

8. MANJAM Credit

MANJAM Credit may be subject to eligibility, campaign, expiry or usage rules disclosed when it is granted. Unless required by law, promotional credit is not cash and is not redeemable for cash. Where an order reservation is released, value is restored to the same funding category used for that reservation.

9. Currency

Balances are maintained separately by currency. MANJAM will not silently convert one currency balance into another. Any future currency conversion feature must disclose the applicable exchange rate, fees and customer consent before conversion.

10. Chargebacks, reversals and legal refunds

A release of an unsettled order reservation is different from a refund of a settled purchase. Legal or approved refunds, payment reversals and chargebacks are handled according to the original funding source, payment-provider rules, applicable law and the order terms. MANJAM may restrict use of disputed funded value while a chargeback or funding dispute is unresolved.

11. Account closure and deletion

An account deletion request does not erase unresolved balance obligations or records MANJAM is legally required to retain. Where Customer-funded Cash Balance remains, closure will be handled under applicable law, payment-provider requirements and these Terms. Required transaction, fraud-prevention, tax, accounting and dispute records may be retained after account deletion where lawful.

12. No third-party payment activity

MANJAM Balance is not used to receive or settle funds on behalf of independent sellers, affiliates or third parties. THT GLOBAL LIMITED remains the contracting seller for eligible MANJAM orders.

13. Contact

payments@manjam.app · support@manjam.app · +852 6279 9717