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Terms And Conditions

  1. 1. Customers can join the scheme any day of the year.
  2. 2. Existing members can enroll in multiple schemes.
  3. 3. KYC (Know Your Customer) verification is mandatory for membership.
  4. 4. Monthly installments must be paid on or before the 10th of each month.
  5. 5. The membership card must be surrendered at redemption.
  6. 6. Payments can be made in cash,UPI, or through online options.
  7. 7. Failure to surrender the card will result in cancellation of membership.
  8. 8. Receipts will be issued for each deposit made.
  9. 9. Report discrepancies in card entries or receipts within 7 days.
  10. 10. Late payments will postpone the redemption date.
  11. 11. Rewards and discounts are forfeited if the scheme is discontinued early.
  12. 12. The redemption date is 30 days after the last successful installment.
  13. 13. Government taxes apply to the delivery of jewellery.
  14. 14. The scheme cannot be combined with other company schemes.
  15. 15. Management reserves the right to accept or reject any application without explanation.
  16. 16. Management’s decision is final in disputes during redemption.
  17. 17. Timely payments are necessary to qualify for scheme benefits.
  18. 18. Redemption is based on the completion of installments.
  19. 19. The scheme does not cover refunds or exchanges for cash or bullion.
  20. 20. Scheme benefits cannot be combined with other promotions.
  21. 21. Terms and conditions are subject to change at management’s discretion.
  22. 22. Refunds or exchanges for non-jewellery items are not allowed.