1. Credit Approval & Limit

* Credit facility will be granted only after management approval.
* Each plumber will have a fixed credit limit based on performance and history.
* Limit may be revised or withdrawn at management discretion.

2. Repayment Terms

* All dues must be cleared within the agreed credit period (e.g., 15/30 days).
* Delay beyond the due date will attract:
* Late payment charges/interest
* Temporary suspension of new supplies
* If the plumber fails to repay or violates terms:
* Credit facility will be cancelled for minimum 1 year

3. Rewards & Incentives

* Any company-earned rewards, schemes, or incentives will be: Released only after full clearance of dues Pending dues will result in withholding of rewards.

4. Guarantor Restriction

No plumber is allowed to act as a guarantor for any other plumber or customer.