Terms & Conditions

TERMS & CONDITIONS – GENERAL TERMS

1. RatnaGarba Jewellers LLP accepts only computer-generated tax invoices.
2. Bill must accompany jewellery for future transactions with the customer whose name it was issued.
3. Jewellery sold can be exchanged in store for the same invoice value within 7 working days, provided it’s in the same condition.
   • Damaged or lost stones will void exchange policy.
   • Tampered, altered, misused, broken or repaired jewellery will not be eligible for full value exchange.
   • No cash refunds, only exchange.
   • Purchases made aganist the full value of the product returned. Additional weight charged at prevailing gold/diamond rates.
   • Gold coins cannot be exchanged for jewellery.
   • Original invoice/Authenticated certificate required for exchange.
4. RatnaGarba can modify or change exchange/buyback procedures and other terms and conditions without prior notice.
5. No cash refunds allowed, only exchange for a product of equal value.

Under no circumstances shall RatnaGarba Jewellers LLP team be liable for any direct, indirect, special, incidental or consequential damages, including , but not limited to, loss of data or profit, arising out of the use , or the inability to use , the materials on this site , even if RatnaGarba team or an authorized representative has been advised of the possibility of such damages. if your use of materials from this site results in the need of serving , repair or correction of equipment or data, you assume any costs thereof.

RatnaGarba will not be responsible for any outcome that may occur during the course of usage of our resources. we reserve the rights to change prices and revise the resources usage policy in any moment.

CASH MEMO

1. If payment is made by local cheque or demand draft, NEFT delivery of the ornament purchased will be made only after realization of the instrument amount.
2. Taxes and other levies as applicable

ADVANCE RECEIPT/CUSTOMER ORDER

• To Freeze gold/ diamond rate by paying 50% (gold) or 50% (diamond) advance for ornament and 100% advance for coins, Biscuits & bars. And collect the product within 15 days of intimation by showroom.
• Place an order without freezing gold rate by paying 50% advance of estimated product value.
• Advance payment not refundable, insteadissued credit note which is valid for 6 months.
• Customer bears value addition, stones/making and GST charges if order cancelled after ornament is ready.
• Unclaimed ornaments after 15 days will result in order cancellation, and the customer will be liable for the value addition, stone, and making charges linked to the cancellation.

EXCHANGE & BUY BACK POLICY:

• RatnaGarba Jewellers LLP will accept jewellery sold through the same stores as per their exchange policy.
• Jewellery will be accepted after examination for defects, weights, and originality.
• Jewellery will be valued based on gold rate, weight, and stone value.
• Gold content valued based on company’s prevailing gold rate at the date of exchange.
• Weight of gold will be net of all other materials.
• Diamond and other precious stones valued with appropriate deductions on the prevailing rate
• Original cash memo and authenticity certificate required for exchange of diamond jewellery. however , making charges taxes, the value of other stones, and any discounts / promotional will not be considered in the exchange/buy back process.
• Additional deductions may be applicable for refunds on diamond and gold jewellery, subject to changes over time.
• Refunds exceeding Rs 10,000 will be made via account payee cheque /RTGS/NEFT in the customer’s name. In cases where the refund value is substantial, it may be spilt into multiple transactions*
• Value addition, making charges, and GST will be deducted from the amount paid for exchange.
• Gold (Net weight) “X” prevailing market price.
• Diamonds will be valued at 100% of their appraised value on exchange and at 95% of their appraised value for cashback.
• Beads & pearls will be valued at 50% to 60% of their appraised value for exchange and at 40% of their appraised value for cash back.
• Natural color stones will be valued at 70% to 80% of their appraised value for exchnage, and at 50% of their appraised value for cash back.
• Polkis and victorian jewellery will be valued at 80% to 90% of their appraised value for exchange and at 70% of their appraised value for cash back.
• Kundan jewellery will be valued at 70% to 80% of its appraised value for exchange and at 65% of its appraised value for cashback.
• The exchange policy can be altered at anytimewithout prior notice.

GOVERNING LAW AND JURISDICTION

Any legal disputes regarding conditions will be governed by the laws of india and resolved exclusively by Courts in Hyderabad, Telangana.