1. This is purely a Jewellery Purchase Plan.

2. The Jewellery Purchase Plan is unique and will not be linked to any other existing or future schemes / offers.

3. This Jewellery Purchase Plan is for a period of 11 months.

4. The monthly subscription amount agreed to by the members must be paid continuously on respective due dates (not later than 10 days from the due date) for 11 months without fail to ensure reservation of material and to avail benefits as per the Jewellery Purchase Plan.

5. The installment can neither be paid in advance nor can be carried over. The money paid as advance for purchase of Jewellery under this shall not bear any interest.

6. Under this Jewellery Purchase Plan, Minor cannot become an Applicant/Member.

7. At the time of joining the Jewellery Purchase Plan, the member may appoint a NOMINEE by furnishing KYC of both self and nominee.

8. Payment of installment/s beyond the stipulated period, or payment of more than one installment, WILL not be entertained.

9. On completion of 11 months (330 days), member can purchase Gold Jewellery for the total amount paid. However, the time period shall not exceed 365 days from the date of enrolment.

10. In case of any balance, money will not be refunded.

11. Member has to bring the membership card every month while making payments. The original membership card has to be surrendered at the time of taking delivery of Jewellery. The person, who has signed the application form, should sign on the invoice and Jewellery Purchase Plan card at the time of purchase/taking delivery of Jewellery.

12. In case of change in address, loss of membership card, the Company should be kept informed without any loss of time. The member has to apply in writing for issue of duplicate card enclosing KYC requirements.

13. The applicable GST has to be fully borne by the member. In case of increase in taxes or introduction of new levies/taxes, the same shall also be fully borne by the member.

14. The company reserves the right to alter, amend, add or delete part or whole of the privileges of the Jewellery Purchase Plan without prior notice or suspend the same at any time. In such an event, money will not be refunded and the member shall purchase any item at the showroom equal to the accumulated amount.

15. Member can take Delivery of the Jewellery only at the Showroom.

16. All disputes are subject to jurisdiction of the competent courts in Bareilly.

17. This Scheme is not applicable on purchase of Silver & Gold Coins.

18. In case any member discontinues the plan before the completion of Scheme duration but 6 months After Commencement of Scheme then he/she will get 50% off the applicable benefits. However, if any member decides to discontinue the Monthly Jewellery Purchase Plan before 6 Months, no scheme benefits will be applicable, and the member can buy Jewellery worth the amount invested with us at the time of termination of the plan.

19. This scheme cannot be clubbed with any other Promotional Schemes & Discounts Running at the time of Purchase.

20. NO REFUND of money is allowed under any circumstances under this Scheme.

21. Documents Required for KYC

(i) 2 Photographs

(ii) Identification Proof (Aadhaar Card/Driving License/Voter ID)