Terms, Conditions & Store Policies

1. Introduction & Legal Entity

These Terms & Conditions (the "Charter") constitute a legally binding agreement between the customer ("you", "Client") and M/S SHUBH JEWELLERS ("we", "us", "Firm") governing the purchase, ordering, customization, valuation, exchange, and after-sales service of all precious bullion, fine jewellery, silver articles, and certified natural diamonds offered at our Lucknow showroom and via this website.

Legal Forum: All disputes, claims, or proceedings arising out of invoices, order booking tokens, repair slips, or appraisals shall be subject exclusively to the territorial jurisdiction of competent civil courts in Lucknow, Uttar Pradesh, India and governed by the laws of the Republic of India.

2. Definitions & Scope of Application

For the purpose of this Charter, the following terms shall have the meanings assigned below:

• "Bullion" refers to 24K (999 purity) gold coins, minted bars, or investment-grade metal blocks.
• "Bespoke / Custom Order" means any jewellery crafted according to specific client specifications, CAD designs, or reference images.
• "HUID" means the 6-digit alphanumeric Unique Identification number laser-engraved by BIS-recognised Assaying & Hallmarking Centres.
• "Making Charges / Karigari" refers to the craftsmanship fees applied over and above the base metal value.
• "Buyback" refers to our guaranteed repurchase policy of qualifying articles at prevailing market rates.
• "Token Deposit" means the advance payment collected to reserve a bespoke karigari slot.

3. Pricing, Bullion Rates & 3% GST

Precious metals (24K, 22K, 18K gold and 925 sterling silver) are volatile commodities tied to spot prices on the Multi Commodity Exchange (MCX) and the local Lucknow Bullion Association.

Making Charges: Karigari fee ranges from 8% (machine chain) to 18% (handcrafted bridal Kundan-Polki), itemized transparently on the client estimate and final invoice.

4. Hallmarking & Purity Guarantee

Our commitment — "Trust Shines Forever" — is enforced through mandatory BIS (Bureau of Indian Standards) certification on every gold article sold:

5. Bespoke Custom Order Policy

Clients commissioning personalised bridal jewellery, custom solitaire mountings, or monogram-engraved silver dinnerware agree to the following terms:

• Token Deposit: Minimum 25% advance for standard designs; 50% for rare solitaires or uncut diamonds, to initialize karigari and lock bullion weight.
• Weight Tolerance: Final finished weight may vary by ±5% to 8% from initial CAD estimate; billing reflects exact certified weight.
• Cancellation Horizon: Modifications/cancellations accepted within 24 hours of token booking. Post-24 hours, raw metal cutting begins and cancellations incur karigari drafting fees.
• Delivery: Typically 10–21 working days. Force majeure delays (hallmarking centre closures, festival rushes) excluded.

6. Payment Terms & Financial Security

• Accepted Modes: UPI, NEFT/RTGS, Debit/Credit Card, and Bank Drafts.
• Cash Limit: In compliance with RBI and PMLA norms, cash transactions exceeding ₹2,00,000 are not accepted.
• Payment Confirmation: For digital payments, jewellery is handed over only after successful bank realisation; a stamped payment receipt is issued.
• Card Security: All digital transactions are processed through PCI-DSS compliant gateways. Never share OTPs with anyone from our team.

7. Anti-Money Laundering (AML) & KYC Compliance

In adherence to the Prevention of Money Laundering Act (PMLA) 2002 and FIU-IND guidelines:

• Purchases, exchanges, or buybacks exceeding ₹50,000 require a government-issued photo ID (Aadhaar, PAN, Passport, or Driving Licence).
• High-value transactions above ₹10 lakh require additional PAN and address proof submission.
• All KYC records are maintained for the statutory retention period and are not shared except where legally required.

8. Lifetime Buyback & Exchange Policy

Every article sold by M/S SHUBH JEWELLERS carries a permanent, transparent buyback and exchange guarantee, provided the original tax invoice and certification cards are presented:

Deductions: Jewellery subjected to unauthorized structural tampering, local solder repair, or chipped stones will be purity re-assessed prior to exchange valuation.

9. Delivery, Pickup & Transit Insurance

• Showroom Collection: Preferred mode — collect from Shop No. 4, Lodhi Market, Lucknow 226015 with a government photo ID matching the invoice.
• Armoured Doorstep: High-value shipments across India dispatched via specialised bullion logistics (Sequel, BVC) in tamper-evident sealed satchels.
• Insurance: Every shipment is 100% insured until the recipient signs the physical POD. Inspect the outer seal before accepting.

10. Returns, Refunds & Inspection

• 7-Day Exchange: Unworn standard showcase items may be exchanged within 7 days for equal or greater value, after spectrometer inspection.
• Refunds: Approved refunds processed via RTGS/NEFT/UPI to the original purchaser's bank account within 5–7 banking days. Cash refunds exceeding statutory limits are prohibited.
• Non-Returnable: Custom monograms, pierced nose-pins, and bullion with ruptured blister packaging cannot be returned for full value — these fall under the Buyback Policy.

11. Data Privacy & DPDPA Compliance

Your personal data (name, contact, address, KYC) is collected solely for order fulfilment, statutory KYC, and legal invoice compliance under the Digital Personal Data Protection Act (DPDPA) 2023.

• We never sell or rent client data to third parties.
• Payment details are processed via PCI-DSS compliant gateways and never stored on our servers.
• You may exercise your right to correction or erasure by emailing sales@shubhjewellers.com, subject to statutory retention obligations.

12. Intellectual Property Rights

The trade emblem, interlocking SJ monogram, crowned diamond crest, brand name "M/S SHUBH JEWELLERS", tagline "TRUST SHINES FOREVER", all photography, CAD models, and design concepts displayed on this website or showroom are the exclusive intellectual property of the Firm. Unauthorized reproduction, scraping, or fraudulent imitation may invite legal action under the Indian Copyright Act 1957 and Trade Marks Act 1999.

13. Limitation of Liability & Indemnity

• Our maximum aggregate liability for any claim arising from a transaction shall not exceed the value of the specific article invoiced for that transaction.
• We are not liable for indirect, consequential, or punitive damages arising from metal rate fluctuations, courier delays, or client-side data breach.
• The client agrees to indemnify M/S SHUBH JEWELLERS against third-party claims arising from misuse of purchased articles, or misrepresentation of KYC documents.

14. Force Majeure & Modifications to Terms

Force Majeure: Neither party shall be liable for failures to perform due to events beyond reasonable control — acts of God, government lockdowns, hallmarking centre closures, strikes, natural calamities, or supply-chain disruptions — provided prompt written notice is given.

Modifications: We reserve the right to amend these Terms at any time. The revised Charter is effective upon posting on this page with an updated "Last Revised" date. Continued use of our services after such change constitutes acceptance.

Severability: If any clause is held unenforceable by a competent court, the remaining clauses shall remain in full force. Entire Agreement: These Terms, together with the Privacy Policy and the specific invoice of each transaction, constitute the entire agreement between the parties.

15. Consumer Grievance & Nodal Officer

In adherence to the Consumer Protection (E-Commerce) Rules 2020:

16. External Reference & Regulatory Authorities

Direct links to the official portals of Indian statutory bodies and international certification laboratories referenced in our policies: