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Terms And Conditions

  1. 1. 📌 Eligibility 🔹 Open to all customers who agree to the plan terms and complete the enrolment process via the Navyaa Aabharan Mobile App. 🔹 Customers must provide valid identification and contact details at the time of registration. 🔹 Enrolment confirmation and payment details will be accessible through the app.
  2. 2. 📌 Plan Duration & Payments 🔹 The plan requires 12 consecutive monthly instalments of a fixed amount selected during enrolment. 🔹 Payments must be made on or before the due date each month through the mobile app. 🔹 Payment Modes: Customers can pay via UPI, or Debit Card as available in the app. 🔹 Manual Payment Required: Customers must manually make payments each month through the mobile app. No automatic deductions will be made from the registered payment method.
  3. 3. 📌 Jewellery Purchase & Redemption 🔹 Upon completion of the 12-month term, customers can use the accumulated amount (including any applicable bonus or benefits) only for purchasing Gold Jewellery at Navyaa Aabharan. 🔹 Jewellery purchases must be made in-store, as per store policy. 🔹 The accumulated amount cannot be withdrawn as cash or used for other products/services. 🔹 Additional purchases beyond the saved amount will be charged at prevailing rates, including applicable making charges (if any).
  4. 4. 📌 GST & Other Charges 🔹 Goods & Services Tax (GST) and other applicable government levies will be charged extra at the time of Jewellery purchase. 🔹 The plan benefits do not cover GST, stone charges, or additional customization charges. 🔹 The final invoice will be generated and shared via WhatsApp upon Jewellery redemption.
  5. 5. 📌 Early Termination & Refund Policy 🔹 If a customer fails to complete the full 12-month term, the plan benefits (zero making charges or bonus) will be forfeited. 🔹 The saved amount can be used only for purchasing Gold Jewellery, but no additional benefits will be provided. 🔹 No cash refunds are allowed under these schemes. 🔹 Customers can track their plan status and balance via the app at any time.
  6. 6. 📌 Plan Modification & Discontinuation 🔹 Navyaa Aabharan reserves the right to modify or discontinue the Swarna Varsha plans at any time without prior notice. However, benefits for customers already enrolled will be honored as per the original terms.
  7. 7. 📌 Non-Transferability 🔹 The plan and its benefits are non-transferable and can only be availed by the registered customer.
  8. 8. 📌 Force Majeure Clause 🔹 Navyaa Aabharan is not liable for delays or inability to fulfil plan benefits due to circumstances beyond its control, such as government regulations, financial crises, or unforeseen economic changes.
  9. 9. 📍 For any queries, visit Navyaa Aabharan or contact our customer support through the mobile app.
  10. 10. 📍 By enrolling in the Swarna Varsha Gold Savings Plan via the Navyaa Aabharan Mobile App, you agree to abide by these terms and conditions. Happy Gold Saving! ✨💎