• INDIA | UAE

Terms & Conditions

REFUND POLICY


Refunds under the scheme, if any, shall be made only by cheque in the name of the account holder or through online transfer to the registered bank account, as specified in the Enrollment Form. No cash refunds shall be permitted.


TERMS AND CONDITIONS


The terms “We”, “Us”, “Our”, and “Company” individually and collectively refer to AGD Gold and Diamonds, while the terms “Visitor” and “User” refer to the users.
As a visitor to the Site or Customer, you are advised to read these Terms and Conditions and the Privacy Policy carefully. If you do not agree with the Terms and Conditions stated herein, we request you to discontinue the use of this App.
By accessing the services provided through the Site, you agree to the collection and use of your data in the manner described in our Privacy Policy.


GENERAL INFORMATION


  • Only individuals are eligible to enroll in the Plan. Enrollment is not permitted for entities such as companies, partnership firms, proprietorship concerns, trusts, Hindu Undivided Families (HUFs), or NRI customers. Minors may enroll only through their natural guardians.
  • Customers are required to provide copies of valid photo-identity and address-proof documents, such as Driving Licence, Voter ID, Passport, Ration Card, PAN Card, or any other government-issued document, along with bank account details at the time of enrollment.
  • AGD Gold and Diamonds, Kayamkulam, reserves the right to verify the identity of customers through SMS and/or OTP verification or by any other means at any time, including during enrollment and at the time of purchase or delivery of jewellery.
  • AGD Gold and Diamonds also reserves the right to verify the authenticity of the documents submitted by customers.
  • Payments can be made in cash at the AGD Gold and Diamonds, Kayamkulam store or through the AGD Gold and Diamonds Mangalya App.
  • Accumulated advances can be redeemed only against gold jewellery, silver jewellery, or diamond jewellery.
  • All rights are reserved by AGD Gold and Diamonds, Kayamkulam.
  • Premature withdrawal from the Plan before completion of the tenure shall not entitle the customer to any benefits under the Plan.

USE OF CONTENT


All logos, brands, marks, headings, labels, names, signatures, numerals, shapes, or combinations thereof appearing on this Site, except where otherwise noted, are properties either owned by or licensed to the business and/or its associate entities featured on this Website.
The use of these properties or any other content on this Site, except as permitted under these Terms and Conditions or within the Site content, is strictly prohibited.


ACCEPTABLE APP USE


Security Rules

Visitors are prohibited from violating or attempting to violate the security of the App, including but not limited to:

(1) Accessing data not intended for such users or logging into servers or accounts that they are not authorized to access.

(2)Attempting to probe, scan, or test the vulnerability of a system or network, or attempting to breach security or authentication measures without proper authorization.

(3) Attempting to interfere with services provided to any user, host, or network, including through the submission of viruses, Trojan horses, overloading, flooding, mail bombing, or crashing.

(4)Sending unsolicited electronic communications, including promotional or advertising materials relating to products or services.

Violations of system or network security may result in civil or criminal liability. The business and/or its associate entities reserve the right to investigate suspected violations and cooperate with law enforcement authorities in prosecuting users involved in such activities.


INDEMNITY


The User agrees to indemnify and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, actions, demands, liabilities, losses, or damages arising out of or resulting from the User’s use of the AGD Gold and Diamonds App or breach of these Terms and Conditions.


LIABILITY


The User agrees that neither the Company nor its group companies, directors, officers, or employees shall be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from:

  • The use or inability to use the services;
  • The cost of procurement of substitute goods or services;
  • Unauthorized access to or alteration of user data or transmissions;
  • Transactions entered into through the service; or
  • Any other matter relating to the services.

This includes, but is not limited to, damages for loss of profits, use, data, or other intangible losses, even if the Company has been advised of the possibility of such damages.

The User further agrees that the Company shall not be liable for damages arising from interruption, suspension, or termination of services, whether justified, negligent, intentional, inadvertent, or otherwise.

The User also agrees that the Company shall not be responsible for the statements or conduct of any third party using the services.

In no event shall the Company’s total liability exceed the amount, if any, paid by the User to the Company relating to the cause of action.


DISCLAIMER OF CONSEQUENTIAL DAMAGES


In no event shall the Company, or any parties, organizations, or entities associated with the corporate brand, be liable for any damages whatsoever, including without limitation incidental or consequential damages, loss of profits, damage to computer hardware, loss of data, information loss, or business interruption arising from:

  • The use or inability to use the App;
  • Reliance on App materials; or
  • Any interruption or malfunction of services.

This applies whether the claim is based on warranty, contract, tort, or any other legal theory, and whether or not such entities were advised of the possibility of such damages.