1. Introduction

Welcome to JP Thangamaligai. These Terms and Conditions ("Terms") govern your use of our website https://jpthangamali.in, mobile application, and services. By accessing or using our services, you agree to be bound by these Terms.

2. About JP Thangamaligai

JP Thangamaligai is a jewelry business located at 9, Eswaran Koil Street, Tiruppur, Tamil Nadu – 641604, India. We specialize in gold, silver, and diamond jewelry, along with savings schemes for jewelry purchases.

3. Services Offered

3.1 Jewelry Sales

• Gold jewelry (22K, 18K, and other purities)
• Silver jewelry and ornaments
• Diamond jewelry with certified stones
• Custom jewelry design and manufacturing

3.2 Savings Schemes

• Gold savings plans
• Flexible payment options
• Mobile app for scheme management
• Bonus and discount programs

4. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement and have the legal capacity to enter into these Terms.

5. Account Registration

5.1 Mobile App Registration

• Accurate personal information required
• Secure login credentials
• Responsible for account security
• Immediate notification of unauthorized access

5.2 Savings Scheme Enrollment

• Valid identity proof required
• Compliance with KYC (Know Your Customer) norms
• Accurate financial information

6. Product Information and Pricing

6.1 Jewelry Specifications

• Gold purity clearly mentioned
• Diamond certifications provided
• Weight and making charges specified
• All prices subject to change without notice

6.2 Pricing Policy

• Prices based on current market rates
• Making charges and taxes clearly displayed
• Gold rates updated daily
• Final prices confirmed at time of purchase

7. Orders and Payments

7.1 Order Processing

• Orders subject to availability
• Confirmation required before processing
• Custom orders require advance payment
• Delivery timelines as communicated

7.2 Payment Terms

• Accepted payment methods clearly specified
• Immediate payment for ready stock items
• Installment options available for savings schemes
• No refund for custom-made jewelry

8. Savings Schemes Terms

8.1 Scheme Rules

• Minimum monthly contribution required
• Scheme duration as agreed
• Bonus calculations as per scheme terms
• Premature closure penalties applicable

8.2 Gold Purchase Rights

• Scheme completion required for full benefits
• Gold purchase at prevailing market rates
• Making charges as per current rates
• No cash refunds for completed schemes

9. Quality Assurance

9.1 Gold Purity Guarantee

• Hallmarked gold jewelry
• BIS certification where applicable
• Free purity testing for purchased items
• Lifetime purity guarantee

9.2 Diamond Certification

• Certified diamonds with authentic certificates
• Grading reports from recognized laboratories
• Buyback policy for certified diamonds
• Quality complaints within 7 days of purchase

10. Returns and Exchanges

10.1 Return Policy

• Returns accepted within 7 days of purchase
• Items must be in original condition
• Return shipping costs borne by customer
• Custom jewelry non-returnable

10.2 Exchange Policy

• Like-for-like exchanges within 30 days
• Size adjustments free within 15 days
• Exchange value based on current gold rates
• Making charges may apply for exchanges

11. Limitation of Liability

JP Thangamaligai shall not be liable for:

• Indirect or consequential damages
• Loss of profits or business interruption
• Gold rate fluctuations
• Third-party service failures
• Force majeure events

12. Intellectual Property

All content on our website and mobile app, including designs, logos, and trademarks, are owned by JP Thangamaligai and protected by intellectual property laws.

13. Privacy and Data Protection

Your personal information is handled according to our Privacy Policy. By using our services, you consent to the collection and use of information as outlined in our Privacy Policy.

14. Dispute Resolution

14.1 Grievance Handling

• Complaints addressed within 7 working days
• Escalation process available
• Written communication preferred
• Good faith resolution attempts

14.2 Jurisdiction

• All disputes subject to Tiruppur jurisdiction
• Governed by laws of India
• Arbitration as per Indian Arbitration Act
• English language for all proceedings

15. Modifications

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated effective date. Continued use of our services constitutes acceptance of modified Terms.

16. Termination

We may terminate or suspend your account and access to our services at our sole discretion, without prior notice, for conduct that violates these Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18. Contact Information

For questions about these Terms and Conditions, please contact us:

JP Thangamaligai
9, Eswaran Koil Street
Tiruppur, Tamil Nadu – 641604
India

Phone: +91 98427 93340
Email: jpthangamaaligai@gmail.com
Website: https://jpthangamali.in

Business Hours: Monday - Saturday, 9:00 AM - 6:00 PM

19. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.