TERMS AND CONDITIONS

**Effective Date:**28/08/2025\

These Terms and Conditions (“Terms”) govern access to and use of www.hallmarkgoldbazaar.com  and all purchases, registrations, enquiries, custom orders, wholesale transactions, wallet transactions and other services offered by Hallmark Gold Bazaar Limited

The Company’s registered/head-office address is:

Hallmark Gold Bazaar Limited
Mangal deep Complex, Plot No. 360, 2nd Floor, Off Radha mani High Road, Murari kalua, Kelomal, Tamluk Purba Medinipur, West Bengal – 721627, India
Email: admin@hallmarkgoldbazaar.com / info@hallmarkgoldbazaar.com
Customer Support WhatsApp: +91 8433887778

By accessing the Website, creating an account, submitting an enquiry or placing an order, you confirm that you have read, understood and accepted these Terms.

1. Application to Existing and New Customers

1.1 These Terms apply to:

• customers registered before the Effective Date (“Existing Customers”); and

• customers registering on or after the Effective Date (“New Customers”).

1.2 For New Customers, these Terms apply from the date of registration, enquiry, order or acceptance, whichever occurs first.

1.3 For Existing Customers, these Terms apply from the Effective Date. Transactions completed before that date will normally remain governed by the terms accepted when the transaction was made, unless:

• a change is required by law;

• the customer expressly accepts the revised Terms; or

• the change is procedural and does not materially reduce an accrued customer right.

1.4 Confirmed orders, earned benefits and valid wallet balances accrued before the Effective Date will not be cancelled solely because these Terms have been updated, except where required by law, caused by an error or fraud, or otherwise expressly permitted under the terms applicable when they accrued.

1.5 If these Terms materially affect Existing Customers, the Company will provide reasonable notice through the Website, registered email, SMS, WhatsApp or account dashboard. Continued use after the notified effective date constitutes acceptance to the extent permitted by law.

2. Eligibility

2.1 You must be at least 18 years old and legally capable of entering into a binding contract under Indian law.

2.2 Business, wholesale and reseller customers confirm that they have the authority to act for the relevant business entity.

2.3 The Company may refuse registration or service where information is incomplete, false or misleading, or where providing the service may violate law or expose the Company or another person to fraud or financial risk.

3. Customer Registration and KYC

3.1 Customers must provide accurate, current and complete information.

3.2 Unless otherwise approved in writing, only one customer account may be maintained against one PAN.

3.3 The Company may request PAN, bank-account details, identity proof, address proof, GST information or other documents required for KYC, taxation, invoicing, fraud prevention or regulatory compliance.

3.4 The customer’s name on the account, PAN and bank account should match. Payments, withdrawals, bonuses or other account benefits may remain pending until verification is completed.

3.5 Customers must protect their login details, OTPs and passwords. The Company will never request a customer’s password or OTP through an unsolicited call or message.

3.6 Customers must promptly report suspected unauthorised account activity.

4. Product Information and Hallmarking

4.1 We make reasonable efforts to display product descriptions, photographs, purity, weight, dimensions and prices accurately.

4.2 Product photographs are illustrative. Colour, appearance, size and finish may vary slightly because of photography, screen settings and handcrafted production.

4.3 Gold-jewellery weight may vary within a reasonable manufacturing tolerance. The final invoice will state the actual billable weight and applicable charges.

4.4 Hallmarking, purity and HUID details will be provided where required under applicable BIS rules. Customers should examine the hallmark, HUID and invoice upon delivery.

4.5 Gemstones, beads, enamel, thread, lac, fittings and other non-gold components may be included in the gross product weight. The invoice or product description should identify applicable deductions or component charges.

4.6 Availability is subject to stock. Adding an item to a cart, wishlist or enquiry form does not reserve it.

5. Pricing and Taxes

5.1 Gold prices fluctuate. Unless expressly stated otherwise, the applicable rate is the rate confirmed when payment is successfully received or the order is formally accepted.

5.2 The total price may include:

• metal value;

• making or labour charges;

• wastage, where disclosed;

• gemstone or component value;

• hallmarking or certification charges;

• delivery and insurance charges; and

• GST and other applicable taxes.

5.3 A displayed price may be corrected before dispatch if it resulted from a typographical, technical or calculation error. The customer may accept the corrected price or cancel the affected order for a refund of the amount paid.

5.4 Prices and promotional offers may differ between online, retail, wholesale and custom-order channels.

6. Orders and Acceptance

6.1 An order submitted through the Website is an offer to purchase. An order becomes binding only after the Company confirms acceptance and receives the required payment.

6.2 We may reject or cancel an order due to stock unavailability, pricing error, failed verification, payment concerns, delivery restrictions, suspected fraud or legal requirements.

6.3 If the Company cancels a paid order, the eligible amount will be returned to the original payment method, subject to applicable banking timelines.

6.4 Wholesale and bulk orders may be governed by a separate quotation, purchase order or written agreement. If there is a conflict, the separately signed agreement will prevail for that transaction.

7. Payment

7.1 Payments may be made only through methods displayed or expressly approved by the Company.

7.2 Customers must not make payment to an employee’s or agent’s personal account unless that account has been formally confirmed in writing through an authorised Company channel.

7.3 Orders may be held or cancelled when payment is unsuccessful, reversed, disputed or suspected to be unauthorised.

7.4 Any payment-gateway or bank charges will be governed by the relevant service provider’s terms.

8. Customised and Made-to-Order Jewellery

8.1 Customised orders require written confirmation of design, purity, approximate weight, size, price basis, advance payment and estimated completion date.

8.2 Designs, weights and gemstone characteristics may vary within the tolerances communicated at confirmation.

8.3 Once production has started, customised, engraved, altered, resized or made-to-order products cannot ordinarily be cancelled, returned or exchanged unless they are defective, materially different from the approved specification or otherwise returnable by law.

8.4 Any non-refundable advance and cancellation deduction must be disclosed to the customer before the order is confirmed.

9. Delivery, Inspection and Risk

9.1 Delivery dates are estimates unless expressly guaranteed in writing.

9.2 Customers must provide a complete and accurate delivery address and remain available for identity or OTP verification.

9.3 The customer should inspect the package before accepting it. A visibly damaged, opened or tampered package should be refused or recorded with the delivery agent.

9.4 For a missing, damaged or incorrect item, the customer must contact us within [48 hours] of delivery and provide the invoice, packaging photographs and a continuous unpacking video, where reasonably available.

9.5 Requiring an unpacking video will not eliminate any non-waivable statutory consumer right.

9.6 Risk passes to the customer upon confirmed delivery to the customer or an authorised recipient, subject to applicable law.

10. Cancellation, Returns and Refunds

10.1 The detailed Cancellation, Return, Refund and Exchange Policy displayed on the Website forms part of these Terms.

10.2 Orders may be cancelled before dispatch, subject to deductions clearly disclosed before purchase. Customised or made-to-order products are subject to Clause 8.

10.3 Eligible return requests must be submitted within 7 days after delivery.

10.4 Returned jewellery must be unused, unaltered and accompanied by the original invoice, certificate, tags, packaging and accessories.

10.5 We may verify the product’s identity, weight, hallmark, condition and authenticity before approving a refund or exchange.

10.6 Returns may be refused for:

• products damaged after delivery;

• products altered, resized or repaired by another party;

• missing or substituted components;

• personalised or customised products, except where defective; or

• requests outside the stated period, unless return is required by law.

10.7 Approved refunds will ordinarily be sent to the original payment method within 14 to 21 business days after inspection. Bank-processing time may be additional.

10.8 Shipping, insurance, making charges and payment charges will be refundable only as stated in the applicable policy or as required by law.

10.9 Nothing in these Terms limits a customer’s non-waivable rights under applicable consumer-protection law.

11. Gold Exchange and Buyback

11.1 Exchange and buyback are subject to physical inspection, purity testing, identity verification and the policy applicable on the transaction date.

11.2 Valuation may depend on net gold weight, purity and the prevailing Company buyback rate. Deductions for stones, non-gold materials, impurities, melting or testing must be explained before the customer accepts the transaction.

11.3 Making charges, taxes and the original retail price are not necessarily recoverable during buyback or exchange.

11.4 Final settlement will occur only after the customer accepts the written valuation.

11.5 The Company may decline items that cannot be authenticated or that are suspected to be stolen, unlawfully obtained or connected with fraud.

12. Reward Points, Bonuses and Withdrawals

12.1 This section applies only if the Company operates an internal customer wallet or promotional bonus programme.

12.2 Wallet credits and bonuses are not bank deposits, investment products, guaranteed returns or legal tender. They may be used or withdrawn only as expressly stated in the applicable programme rules and as permitted by law.

12.3 KYC and bank verification may be required before a bonus, wallet transfer or withdrawal is processed.

12.4 The minimum permitted withdrawal is ₹[insert amount].

12.5 Any administration fee, tax deduction or other charge must be disclosed to and accepted by the customer before the relevant transaction. Statutory tax deductions will be made only at the rate and in the circumstances required by applicable law.

12.6 The Company will provide an appropriate statement, certificate or transaction record for statutory deductions where required.

12.7 The processing schedule is: [insert accurate closing and payment schedule].

12.8 The Company may hold or reject a wallet or bonus transaction that results from error, duplicate credit, breach of programme rules, suspected fraud or legal restriction, after giving the customer a reason where legally permissible.

12.9 Promotional benefits cannot be presented as guaranteed income. Nothing on the Website constitutes investment, tax or financial advice.

13. Nominee Facility

13.1 Where the Company provides a wallet, membership benefit or other transferable account entitlement, customers may be required to register a nominee.

13.2 Nomination does not automatically override succession, inheritance or other applicable law.

13.3 Following a customer’s death, the Company may require a death certificate, nominee identification, indemnity, succession documents or other evidence before transferring or releasing an eligible entitlement.

13.4 Purchase history and personal account access will not be transferred except where legally required or reasonably necessary to settle an eligible entitlement.

14. Promotions and Discount Codes

14.1 Promotions are subject to their published eligibility period, stock availability and specific conditions.

14.2 Unless expressly allowed, promotions cannot be combined, transferred, exchanged for cash or applied retrospectively.

14.3 The Company may cancel a promotional benefit obtained through fraud, duplicate accounts, technical error or misuse.

15. Intellectual Property

15.1 The Website, brand name, logo, photographs, designs, text, graphics and software are owned by or licensed to the Company.

15.2 Customers may use the Website only for lawful personal or authorised business purposes.

15.3 No content may be copied, republished, sold or commercially exploited without prior written permission, except where permitted by law.

16. Acceptable Use

Customers must not:

• provide false information or impersonate another person;

• attempt unauthorised access to the Website or another account;

• introduce malware or interfere with Website operation;

• use the Website for fraud, money laundering or unlawful activity;

• scrape or reproduce Website content without permission; or

• misuse reviews, offers, bonuses, wallets, referral arrangements or payment systems.

17. Privacy and Communications

17.1 Personal information will be handled under the Company’s Privacy Policy and applicable Indian law.

17.2 Customers consent to transactional communications concerning orders, payments, KYC, security, delivery and customer service.

17.3 Marketing messages will be sent only as permitted by law. Customers may withdraw marketing consent without affecting necessary transactional communications.

17.4 The customer is responsible for keeping contact information current.

18. Third-Party Services

Payment gateways, banks, couriers and other third parties may have separate terms and privacy practices. The Company is not responsible for an independent third party’s acts or omissions except to the extent liability cannot lawfully be excluded.

19. Disclaimer and Limitation of Liability

19.1 Gold prices can rise or fall. Jewellery purchases should not be treated as guaranteed investments or assured-profit arrangements.

19.2 To the maximum extent permitted by law, the Company will not be liable for indirect, incidental or consequential loss arising from use of the Website.

19.3 The Company’s aggregate contractual liability for a specific order will ordinarily not exceed the amount paid for that order.

19.4 These limitations do not apply to fraud, wilful misconduct, personal injury caused by negligence, breach of non-waivable consumer rights or any liability that cannot lawfully be limited.

20. Indemnity

To the extent permitted by law, a customer must compensate the Company for direct losses arising from the customer’s fraud, unlawful conduct, deliberate misuse of the Website or material violation of these Terms. This clause does not apply to losses caused by the Company.

21. Suspension and Termination

21.1 We may temporarily restrict or terminate an account for material breach, fraud, security risk, unlawful activity or regulatory requirements.

21.2 Where reasonably possible, we will notify the customer and provide an opportunity to address the issue.

21.3 Termination will not cancel completed purchases, lawful refund rights or valid payment obligations.

22. Force Majeure

The Company will not be responsible for delay caused by events reasonably beyond its control, including natural disasters, government restrictions, strikes, transport disruption, telecommunications failure or widespread payment-system interruption. Amounts paid for services that cannot ultimately be supplied will be handled under the applicable refund policy and law.

23. Complaints and Grievance Officer

Customers should first contact:

Grievance Officer: [Full Name]
Designation: [Designation]
Address: [Complete Address]
Email: [Dedicated Grievance Email]
Telephone: [Telephone Number]
Business Hours: [Days and Hours]

We aim to acknowledge complaints within [48 hours] and resolve them within the period required by applicable law.

24. Governing Law and Dispute Resolution

24.1 These Terms are governed by the laws of India.

24.2 The parties should first attempt to resolve a dispute through the Company’s grievance process.

24.3 Subject to applicable consumer law and any mandatory jurisdictional rights, courts at [Tamluk/Purba Medinipur, West Bengal—confirm with legal counsel] will have jurisdiction.

24.4 Nothing in this clause prevents an eligible consumer from approaching a consumer commission or another competent statutory authority.

25. Changes to These Terms

25.1 The Company may update these Terms for legal, regulatory, security, operational or business reasons.

25.2 The updated version will show its Effective Date and Last Updated date.

25.3 Material changes affecting Existing Customers will be notified as described in Clause 1.

25.4 Changes will not ordinarily operate retrospectively to remove accrued rights unless required by law or expressly accepted by the affected customer.

26. General Provisions

26.1 If any provision is found unenforceable, the remaining provisions will continue in effect.

26.2 Failure to enforce a provision immediately does not waive the right to enforce it later.

26.3 The customer may not transfer an account or contractual right without written consent, except through lawful succession or an approved nominee process.

26.4 These Terms, the Privacy Policy, Return and Refund Policy, Shipping Policy and transaction-specific documents constitute the agreement between the customer and the Company.

27. Contact Us

Hallmark Gold Bazaar Limited
Mangaldeep Complex, Plot No. 360, 2nd Floor, Off Radhamoni High Road, Murarikalua, Kelomal, Tamluk, Purba Medinipur, West Bengal – 721627, India

Website: www.hallmarkgoldbazaar.com
Email: admin@hallmarkgoldbazaar.com / info@hallmarkgoldbazaar.com
Customer Support WhatsApp: +91 8433887778

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