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Terms And Conditions

  1. 1. Minimum monthly installment of the scheme is Rs. 2000. Member can remit any amount above Rs. 2000 in multiples of thousands. The monthly payment should be equal throughout the scheme period.
  2. 2. On payment of the monthly installments for 15 months continuously the member will be eligible to buy gold jewellery equivalent to the amount at their credit after completion of 30 days from the date of payment of the last installment without any MC or WC. Cash will not be refunded under any circumstances.
  3. 3. Membership for this scheme will be accepted only through the prescribed application form.
  4. 4. The 1st Installment should be paid along with the duly filled application form. Monthly installment should be paid on or before the 15th of every month.
  5. 5. This scheme is not applicable to diamond jewellery, precious stone studded jewellery and antique / nakas/ imported jewellery.
  6. 6. The scheme is applicable to jewellery with MC/WC less than or equal to 15% only. The MC/WC printed on the jewellery tags of our store will only be considered.
  7. 7. The member is eligible to purchase jewellery readily available at the store. Order cannot be placed under this scheme.
  8. 8. The membership card has to be produced when the instalments are remitted. Please ensure that all the payments are correctly entered in the membership card. Any discrepancies in the entries should be bought to the notice of the management and to be rectified immediately.
  9. 9. In case of purchase exceeding the total amount accumulated in the scheme the extra amount of jewellery purchased will be charged with wastage and making charges depending on the jewellery purchased.
  10. 10. Members who discontinue the payments of the monthly instalments will be eligible to purchase the jewellery equivalent to the amount at their credit only after the scheme period of 15 months. No premature closure is allowed under this scheme.
  11. 11. Members who discontinue the payments of the monthly instalments will be eligible to purchase the jewellery equivalent to the amount at their credit only after the scheme period of 15 months. No premature closure is allowed under this scheme.
  12. 12. In case of default by the member the maturity of deposits will be postponed by the corresponding number of months. However if a member defaults after paying first six installments regularly he will be given one chance to continue the scheme by remitting the defaulted installment amount in the subsequent month, only once during the scheme period.
  13. 13. Two installments will not be accepted in the same month.
  14. 14. GST or other government levies are to be borne by the member at the time of billing.
  15. 15. The scheme is applicable at the time of billing.
  16. 16. Member will be entitled to buy jewellery after 30 days from the date of last installment.
  17. 17. Member should bring ID proof & address proof at the time of jewellery purchase and the signature should fully tally with the applicant's signature in the prescribed application form signed at the time of joining the scheme.
  18. 18. Management of "HIRANYAM" has all rights to accept/reject the application without any reason.
  19. 19. Under this scheme the terms and conditions can be altered / modified at the sole discretion of the management of "HIRANYAM" without any notice at any time.
  20. 20. The scheme cannot be clubbed with any other offers or schemes running at the time of redemption.
  21. 21. The rate prevailing at the time of purchase will be applicable for all the calculation purposes.
  22. 22. All disputes are subject to Bangalore Jurisdiction only.