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Terms And Conditions

  1. 1. 📌 Eligibility 🔹 Open to customers who agree to these Terms & Conditions and complete enrolment through the Navyaa Aabharan Mobile App. 🔹 Customers must provide valid identification and contact details during registration. 🔹 Enrolment confirmation, payment records, and plan status will be available in the app.
  2. 2. 📌 Plan Duration & Payments 🔹 Swarna Varsha - Smart Gold Lock Plan is a 12-Month Gold Accumulation Savings Plan. 🔹 Monthly instalments can be selected from ₹5,000 up to ₹50,000 at the time of enrolment. 🔹 Each monthly payment will be converted into gold grams based on the prevailing gold rate on the date of payment. 🔹 Payments must be made on or before the due date through the Navyaa Aabharan Mobile App. 🔹 Customers are responsible for making payments manually. No auto-debit facility is available. 🔹 A nominal payment gateway or processing fee may be applicable and will be displayed during checkout.
  3. 3. 📌 Gold Accumulation & Redemption 🔹 Every instalment is converted into gold grams at the gold rate applicable on the date of payment. 🔹 Plan benefits can be redeemed only after successful completion of all 12 instalments, completion of 365 days from the enrolment date, and a mandatory 30-day cooling period thereafter. 🔹 Accumulated gold grams can be redeemed only against eligible jewellery purchases at Navyaa Aabharan. 🔹 Zero Making Charges and Zero Wastage Charges apply only on the gold grams accumulated through this plan at the time of redemption. 🔹 Any jewellery purchase beyond the accumulated gold grams will be charged at the prevailing gold rate along with applicable making charges, GST, and other applicable charges. 🔹 Redemption shall be carried out only as per Navyaa Aabharan's prevailing redemption policies.
  4. 4. 📌 GST & Other Charges 🔹 GST, stone charges, hallmarking charges (if applicable), and any other statutory charges will be charged extra at the time of redemption. 🔹 The Zero Making & Zero Wastage benefit does not cover GST, stone charges, customisation charges, or additional purchases beyond the accumulated gold grams. 🔹 Custom orders will be eligible only if the total jewellery purchase value is at least three times the value of the accumulated gold grams redeemed under the plan. 🔹 Final billing shall be as per prevailing store policies at the time of redemption.
  5. 5. 📌 Gold Accumulation & Redemption Policy 🔹 Every instalment is converted into gold grams at the gold rate applicable on the date of payment. 🔹 Plan benefits can be redeemed only after successful completion of all 12 instalments, completion of 365 days from the enrolment date, and a mandatory 30-day cooling period thereafter. 🔹 Accumulated gold grams can be redeemed only against eligible jewellery purchases at Navyaa Aabharan. 🔹 Zero Making Charges and Zero Wastage Charges apply only on the gold grams accumulated through this plan at the time of redemption. 🔹 Any jewellery purchase beyond the accumulated gold grams will be charged at the prevailing gold rate along with applicable making charges, GST, and other applicable charges. 🔹 Redemption shall be carried out only as per Navyaa Aabharan's prevailing redemption policies.
  6. 6. 📌 GST & Other Charges 🔹 GST, stone charges, hallmarking charges (if applicable), and any other statutory charges will be charged extra at the time of redemption. 🔹 The Zero Making & Zero Wastage benefit does not cover GST, stone charges, customisation charges, or additional purchases beyond the accumulated gold grams. 🔹 Custom orders will be eligible only if the total jewellery purchase value is at least three times the value of the accumulated gold grams redeemed under the plan. 🔹 Final billing shall be as per prevailing store policies at the time of redemption.
  7. 7. 📌 Product Eligibility & Exclusions 🔹 Benefits are applicable only on eligible jewellery purchases. 🔹 Benefits are not applicable on gold coins, silver coins, bars, nose pins, certain lightweight jewellery items, and products specifically excluded by Navyaa Aabharan. 🔹 Navyaa Aabharan reserves the right to update the list of excluded products from time to time without prior notice.
  8. 8. 📌 Missed Payments & Plan Discontinuation 🔹 All instalments must be paid on time to enjoy Zero Making & Zero Wastage benefits. 🔹 Customers who fail to complete the plan or have repeated payment defaults may lose promotional benefits associated with the plan. 🔹 The accumulated gold value will remain available for jewellery redemption as per Navyaa Aabharan's prevailing policies. 🔹 No cash refund will be provided under this plan.
  9. 9. 📍 Non-Transferability 🔹 The plan, accumulated benefits, coupons, lucky draw eligibility, jackpot eligibility, and redemption rights are non-transferable. 🔹 Benefits can be availed only by the registered customer.
  10. 10. 📍 Modification, Force Majeure & Jurisdiction 🔹 Navyaa Aabharan reserves the right to modify, suspend, or discontinue the promotional offer or any part of the plan without prior notice. 🔹 Benefits for customers already enrolled will continue as per the terms applicable at the time of enrolment. 🔹 Navyaa Aabharan shall not be liable for delays or inability to fulfil plan benefits due to circumstances beyond its reasonable control, including regulatory changes, natural disasters, technical disruptions, government restrictions, or other force majeure events. 🔹 All disputes shall be subject exclusively to the jurisdiction of Bengaluru courts.
  11. 11. 📌 Acceptance of Terms 🔹 By enrolling in the Swarna Varsha - Gold Accumulation Savings Plan through the Navyaa Aabharan Mobile App, customers acknowledge that they have read, understood, and agreed to these Terms & Conditions. ✨ Smart Savings. Golden Bonanza. ✨
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