Terms & Conditions

1. Introduction

The terms "We", "Us", "Our", and "Company" refer to CALICUT NAKSHATRA GOLD & DIAMONDS LLP. The terms "Visitor", "User", and "Customer" refer to any individual accessing or using our Website or Mobile Application.

These Terms & Conditions govern your use of our services. If you do not agree with any part of these terms, please discontinue use of our Website and Mobile Application.

We reserve the right to modify these Terms & Conditions at any time. Continued use of our services after updates constitutes acceptance of the revised terms.

2. User Eligibility & Compliance

The Calicut Nakshatra Mobile Application and Website are intended solely for Indian citizens and residents.

By using our services, you confirm that:

• You are legally eligible to enter into binding agreements.
• You comply with all applicable Indian laws and regulations.
• You agree to follow RBI guidelines related to gold savings schemes.

3. Cross-Border Payments Responsibility

Users making payments from outside India are solely responsible for complying with local tax laws, exchange control regulations, and financial reporting requirements applicable in their country of residence.

The Company shall not be liable for any tax obligations, penalties, or regulatory consequences arising from international transactions initiated by users.

4. Foreign Exchange Compliance

Payments made in foreign currencies must comply with applicable Indian Foreign Exchange Management Act (FEMA) provisions and Reserve Bank of India (RBI) regulations.

All transactions are processed subject to prevailing exchange control guidelines and applicable banking regulations.

5. Use of Content

All trademarks, logos, graphics, text, images, software, designs, and other materials appearing on this Website and App are owned by or licensed to CALICUT NAKSHATRA GOLD & DIAMONDS LLP.

Users may not copy, reproduce, modify, publish, distribute, transmit, display, or commercially exploit any content without prior written permission from the Company.

6. Acceptable Use Policy

Security Rules

• Attempting unauthorized access to systems or accounts is prohibited.
• Testing vulnerabilities without authorization is prohibited.
• Introducing viruses, malware, or harmful code is prohibited.
• Disrupting services through flooding, spamming, or attacks is prohibited.
• Sending unsolicited commercial communications is prohibited.

General Rules

• Do not violate intellectual property rights.
• Do not upload unlawful or offensive content.
• Do not misuse customer or company information.
• Do not engage in fraudulent activities.
• Do not interfere with platform operations.

7. Indemnity

You agree to indemnify, defend, and hold harmless CALICUT NAKSHATRA GOLD & DIAMONDS LLP, its directors, employees, affiliates, and representatives from any claims, liabilities, damages, losses, or expenses arising from:

• Your misuse of the Website or App.
• Your violation of these Terms & Conditions.
• Your violation of applicable laws or regulations.
• Your infringement of third-party rights.

8. Limitation of Liability

To the maximum extent permitted by law, CALICUT NAKSHATRA GOLD & DIAMONDS LLP shall not be liable for indirect, incidental, consequential, special, or punitive damages resulting from:

• Use or inability to use our services.
• Unauthorized access to user information.
• Service interruptions or technical failures.
• Loss of profits, data, or business opportunities.

The Company's total liability shall not exceed the amount paid by the user for the specific service giving rise to the claim.

9. Disclaimer of Consequential Damages

The Company shall not be responsible for any loss of profits, business interruption, loss of data, or other indirect damages arising from the use of the Website, Mobile Application, or related services.

10. Gold Scheme Agreement

9 @ Gracio Gold Purchase Plan

1. The duration of this scheme will be 9 months. Upon successful completion of the 9-month installments, Kerala, Bombay, Bengali, and Kolkata designs up to 10.99% can be purchased with a 1.5% making charge.
2. The minimum installment amount will be ₹750, and you can pay amounts like (1000, 1500, 2000, 2500, 3000 etc.) every month. The maximum installment amount will be ₹16,000. The amount you pay will be credited as value/cash itself (not as gold weight)
3. The installment amount paid after 8 months will be proportional to the installment amount paid in the first 8 months.
4. The benefits of the scheme will be available only after 30 days from the payment of the final installment.
5. The scheme cannot be terminated before the completion of its tenure. Jewellery can be purchased only after the completion of 9 months.
6. Payments can be made through our mobile application or via an authorized Executive. An SMS confirmation will be sent to your registered mobile number within 7 days of payment. If not received, please contact the showroom. The Company shall not be held responsible for any liabilities arising otherwise.
7. To receive the benefits of a scheme where installments were discontinued, the missed installments for those months must be paid and settled.
8. The amount paid under this scheme cannot be withdrawn as cash under any circumstances.
9. All disputes under this scheme shall be subject to the exclusive jurisdiction of the District Court, Kozhikode. The scheme is subject to time-to-time policy changes and conditions of the Government. All applicable taxes will be charged as per prevailing laws.

JIARA FLEXI JEWELLERY PURCHASE PLAN

1. The duration of this scheme is 6 months. Upon successful completion of all installments, a bonus of 50% of the first month's installment amount will be credited.
2. If this scheme is extended/continued up to 11 months, a bonus of 100% of the first month's installment amount will be credited.
3. Under this scheme, purchases can only be made for Diamond, 22K Precious, 22K Uncut Diamond, Lab-Grown Diamonds, 18K, and 14K jewellery.
4. The minimum installment amount is ₹2,000. A fixed amount (e.g., 2000, 3000, 4000, etc.) can be paid every month. The maximum installment amount is ₹16,000. The amount paid will be accounted for as cash value, not as gold weight.
5. The benefits of the scheme will be available only after 30 days from the payment of the final installment.
6. The scheme cannot be terminated before the completion of the scheme period. Purchase is possible only after the completion of 6 months.
7. Payments can be made through our mobile application or via an authorized Executive. For those paying through the app, a digital receipt will be available in the app immediately upon successful payment. Additionally, an SMS confirmation will be sent to your mobile number within 7 days. If not received, please contact the showroom. The Company shall not be held responsible for any liabilities arising otherwise.
8. To receive the benefits of a scheme where installments were discontinued, the missed installments for those months must be paid and settled.
9. The amount paid under this scheme cannot be withdrawn as cash under any circumstances.
10. All disputes under this scheme shall be subject to the exclusive jurisdiction of the District Court, Kozhikode. The scheme is subject to time-to-time policy changes and conditions of the Government. All applicable taxes will be charged as per prevailing laws.

FUTURA GOLD PURCHASE PLAN

1. The duration of this scheme will be 11 months. Upon successful completion of the 11-month installments, Kerala, Bombay, Bengali, and Kolkata designs up to 10.99% can be purchased with a 3% making charge.
2. The minimum installment amount will be ₹3,000. Multiples of this amount (e.g., ₹4000, ₹5000, ₹6000 etc.) can be paid every month as a fixed amount. The maximum installment amount will be ₹16,000. Based on the amount paid, the gold weight will be calculated according to the prevailing market rate of 22K Hallmark gold on that day.
3. The benefits of the scheme will be available only after 30 days from the payment of the final installment.
4. The scheme cannot be terminated before the completion of its tenure. Jewellery can be purchased only after the completion of 11 months.
5. Payments can be made through our mobile application or via an authorized Executive. An SMS confirmation will be sent to your registered mobile number within 7 days of payment. If not received, please contact the showroom. The Company shall not be held responsible for any liabilities arising otherwise.
6. To receive the benefits of a scheme where installments were discontinued, the missed installments for those months must be paid and settled.
7. The amount paid under this scheme cannot be withdrawn as cash under any circumstances.
8. All disputes under this scheme shall be subject to the exclusive jurisdiction of the District Court, Kozhikode. The scheme is subject to time-to-time policy changes and conditions of the Government. All applicable taxes are included in this.

11. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts located in Kozhikode, Kerala.

12. Contact Information