Terms & Conditions, Privacy Policy – Suvarna Sanchay

Suvarna Sanchay — Monthly Gold Saving Plan

Scheme Nature: Suvarna Sanchay is a gold saving plan where customers book gold every month and finally redeem it in the form of 22K HUID hallmarked jewellery only. The scheme is strictly non-refundable.
Tenure & Instalments: The standard plan consists of 10 monthly instalments. Redemption is carried out in the 11^th month after the successful completion of all instalments.
Gold Booking Rate: For each instalment, gold is booked at the prevailing gold rate on the exact date and time payment is received. Once booked, the rate for that instalment is locked and cannot be revised or altered.
Type of Jewellery: Redemption is strictly allowed against 22K HUID hallmarked gold jewellery available at Shubham Jewellers, Rehti.
Making Charges & GST: At the time of redemption, the customer is required to pay:
- Attractive making charges at only 7.99% on the jewellery value
- Applicable GST as per government regulations
Non-Refundable Scheme: Amounts paid under Suvarna Sanchay cannot be withdrawn as cash, transferred to another person, or converted into any other financial scheme. The value must be used exclusively to purchase jewellery from Shubham Jewellers.
Mode of Payment: Instalments may be paid via UPI (PhonePe, Google Pay, Paytm), online bank transfer, or cash directly at the Shubham Jewellers showroom counter in Rehti.
Delayed / Missed Payments: Delays or missed instalments may impact promotional benefits or delay the redemption schedule as per store policy. Customers are advised to maintain timely payments.
Offers & Clubbing: This scheme cannot be combined with any other offer, promotion, or discount unless explicitly permitted in writing by Shubham Jewellers.
Taxes & KYC Compliance: All applicable taxes, including GST, will be charged as per prevailing tax laws. PAN, Aadhaar, or other KYC verification documents may be required as mandated by government regulations for jewellery purchases.
Data & Privacy Policy: Personal information such as name, mobile number, and payment references is collected solely for scheme operation, customer communication, and statutory compliance. Shubham Jewellers does not sell or misuse customer data and shares information only with authorized payment partners or legal authorities when required by law.
Store Contact & Assistance: For any assistance, customers may contact Shubham Jewellers during working hours via our official customer helpline at +91 83050 85066 or visit our showroom in Rehti.
Right to Modify: Shubham Jewellers reserves the right to modify, pause, or discontinue the scheme or its operational terms with prior notice. Any modifications will never affect gold bookings already completed prior to the date of modification.

Gold Daily Savings — Flexible Daily Gold Saving Plan

Scheme Nature: Gold Daily Savings (GDS) is a flexible gold and silver saving plan where customers save any amount at their convenience and accumulate gold or silver grams at the prevailing market rate. The scheme is strictly non-refundable.
No Fixed Tenure: Unlike monthly fixed schemes, GDS has no mandatory lock-in tenure or instalment schedule. Customers may add savings whenever they have surplus cash — daily, weekly, or anytime.
Rate-Lock & Weight Credit: Each deposit books gold or silver at the prevailing rate on the exact date and time the payment is confirmed. Once booked, that weight is credited to the customer's account and the rate is locked permanently against price hikes.
Purity & Metal Options: Customers may save in Gold or Silver as available on the platform. The chosen metal weight is accumulated in grams with 3 decimal precision.
Redemption: Accumulated gold and silver must be redeemed in the form of HUID hallmarked jewellery, coins, utensils, or silver articles available at Shubham Jewellers, Rehti. Cash redemption is strictly not permitted under any circumstances.
Making Charges & GST: At the time of redemption, the customer is required to pay applicable making charges on the specific jewellery selected, along with statutory GST as per government regulations.
Minimum Deposit: Customers can start saving gold from as low as ₹100 and silver from ₹20. There is no upper limit on deposits.
Mode of Payment: Deposits may be made via UPI (PhonePe, Google Pay, Paytm, BHIM), net banking, or cash at the Shubham Jewellers showroom counter.
Offers & Clubbing: GDS cannot be combined with any other offer, promotion, or discount unless explicitly authorized by Shubham Jewellers.
Taxes & KYC Compliance: All applicable taxes, including GST, are charged as per Indian laws. KYC verification (such as PAN / Aadhaar) may be requested in accordance with statutory guidelines for high-value transactions.
Data & Privacy Policy: Customer personal and transactional data is encrypted and strictly protected. It is utilized exclusively for account management, transaction confirmations, and official communication.
Store Contact & Grievance: Customers can reach out to Shubham Jewellers, Rehti directly at +91 83050 85066 or email support@jewelyaari.com for any account inquiries.
Right to Modify: Shubham Jewellers reserves the right to amend the rules of the GDS plan. Any changes will apply only prospectively and will not alter previously booked metal weights.

Terms & Privacy Policy