Terms And Conditions

  1. 1. Customers can enroll in the Gold Savings Scheme at any time during the year.
  2. 2. Members must pay a fixed monthly installment for 12 consecutive months.
  3. 3. On successful completion of all 12 monthly installments, Kerala Jewellery will provide a bonus equivalent to one month's installment, subject to the scheme terms.
  4. 4. Monthly installments must be paid between the 1st and 15th of every month. Delayed payments may extend the scheme maturity date.
  5. 5. Payments can be made through the mobile app using the available online payment options or by visiting the showroom.
  6. 6. KYC verification and a valid government-issued ID are mandatory for enrollment and redemption.
  7. 7. After the scheme reaches maturity, the customer must visit the Kerala Jewellery showroom in person to purchase gold jewellery. The scheme cannot be redeemed online, and no cash payment or transfer will be made.
  8. 8. The applicable gold rate on the date of redemption will be considered for the purchase.
  9. 9. GST, making charges, and other applicable taxes or government levies must be paid by the customer at the time of purchase.
  10. 10. The one-month bonus is applicable only if all installments are paid regularly and the scheme is completed successfully.
  11. 11. If the scheme is discontinued or cancelled before maturity, the customer will not be eligible for the scheme bonus or any promotional benefits.
  12. 12. This scheme cannot be combined with any other offers, discounts, or promotional schemes unless specifically announced by Kerala Jewellery.
  13. 13. Customers must verify their payment records and immediately report any discrepancies to the showroom.
  14. 14. Kerala Jewellery reserves the right to modify or discontinue the scheme or amend these Terms & Conditions without prior notice. All decisions of Kerala Jewellery shall be final and binding.
  15. 15. By enrolling in this digital scheme, the customer confirms that they have read, understood, and agreed to these Terms & Conditions.
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