TERMS & CONDITIONS
* This is a onetime payment plan. Customer cannot add more money to the existing purchase plan.
* Customer may open a purchase plan by means of old jewelery or cash or RTGS/NEFT
* Old jewelry will be melted & tested before ascertaining a Value. No Value will be held of stones mounted.
* Precious stone will not be considered for this plan.
* Scheme once started cannot be closed in middle % i.e. before & 12 month or 334 days.
* Customer MUST close the scheme on the & 12th month i.e. within the span of 31 days of the 12th month
* Failing to do so will result in money returned without and benefits to the mentioned bank account.
* Swarna holds the right to disqualify the plan if customer fails to present the advance receipt at the time of purchase.
* All kind of taxes and stone charges are applicable.
* In the event of premature closure of the order, the customer is entitled to use the amount already paid to purchase
jewellery of equal value or pay any excess amount in cash/gold.
* At the time of redemption, the customer who has made the receipt should be present in person or he has to
send a nominated person along with his id and signature proof.
* Bank passbook copy is mandatory for starting the scheme.
* If the customer fails to settle the order before 12 months, the amount shall be returned to the customers.
* Amount will be transferred back to the customer after deducting the processing fee.
* The benefit of the plan cannot be redeemed in the form of cash.
* Swarna Nidhi purchase plan shall have jurisdiction of Udupi Court.