Terms & Conditions

Terms of Use – GrowGold Investment Private Limited

THIS DOCUMENT IS AN ELECTRONIC RECORD in terms of the Information Technology Act, 2000 and the rules made thereunder, as applicable and as amended from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.

THIS DOCUMENT IS PUBLISHED in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, that require publishing the rules and regulations, privacy policy and terms of use for access or usage of the Platform (as defined below).

1. INTRODUCTION AND ACCEPTANCE

1.1 These terms and conditions (“Terms”) govern the access and use by any person of the Platform and the Services (each as defined below). The Platform is owned and operated by GrowGold Investment Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at [insert address] (“GGIPL”, which expression shall, unless repugnant to the context or meaning thereof, be deemed to include its successors and permitted assigns).

1.2 By (a) accessing or using the Platform in any manner; and/or (b) clicking on the “I Agree” / “Accept” button, You agree to be bound by these Terms, which constitute a valid and legally binding contract between You and GGIPL under the Indian Contract Act, 1872.

1.3 If You do not agree to be bound by these Terms, You are requested not to access or use the Platform or any part thereof. Your continued access to or use of the Platform shall be deemed to be Your acceptance of these Terms, as amended from time to time.

2. DEFINITIONS AND INTERPRETATION

2.1 In these Terms, unless the context otherwise requires, the following capitalised terms shall have the meanings ascribed to them below:

(a) “Business Day” shall mean a day on which scheduled commercial banks are open for normal banking business in Mumbai, Maharashtra, India, but shall not include any Saturday, Sunday or any day on which recognised stock exchanges in India are authorised or required by law to remain closed.

(b) “Customer” or “You” shall mean any natural person or legal entity who accesses or uses the Platform and/or avails the Services and who, as a counterparty, transacts for buying, holding, selling and/or taking delivery of Precious Metal through the Platform.

(c) “Customer Account” shall mean the account opened in the name of the Customer on the Platform in accordance with these Terms.

(d) “Customer Order” shall mean any order placed by a Customer on the Platform for purchase and/or sale of Precious Metal at the Currency Value prevailing on the Platform at the time of placement of such order.

(e) “Customer Precious Metal” shall mean the quantity of Precious Metal purchased and/or held by a Customer pursuant to a valid Customer Order, which is credited to the Customer Account and stored with the Vault Keeper, for and on behalf of such Customer, in accordance with these Terms.

(f) “Customer Request” shall mean a Delivery Request, Sale Request, Exchange Request and/or such other request as may be permitted by GGIPL on the Platform in relation to the Customer Precious Metal.

(g) “Currency Value” shall mean the price of the relevant Precious Metal per unit (including per gram) as displayed on the Platform from time to time.

(h) “Force Majeure Event” shall have the meaning ascribed to it in Clause 8.1.

(i) “Intermediaries” shall mean collectively the Trustee Administrator, the Vault Keeper and such other persons as may be appointed by GGIPL or the Trustee Administrator, as the case may be, for the purposes of providing the Services.

(j) “Platform” shall mean the website with the uniform resource locator (URL) www.growgold.co and/or the mobile application by the name “GrowGold”, together with all content, information, technology and Services made available thereon.

(k) “Precious Metal” shall mean physical gold, silver and/or such other precious metals as GGIPL may offer from time to time, in bullion form and of such purity as is notified on the Platform.

(l) “Reward Program” shall mean any promotional, referral, incentive or loyalty program that GGIPL may, at its sole discretion, offer to Customers from time to time, subject to specific terms and conditions.

(m) “Services” shall mean collectively the services described in Clause 3.2 below, as may be modified by GGIPL from time to time.

(n) “Trustee Administrator” shall mean the independent trustee or trustee company appointed by GGIPL to, inter alia, monitor and oversee the arrangements relating to the Customer Precious Metal and to act on behalf of the Customers in certain events, as more particularly described in these Terms.

(o) “Vault Keeper” shall mean the third‑party custodian appointed by GGIPL and/or the Trustee Administrator for the purposes of safekeeping and storage of Precious Metal.

2.2 Words and expressions used but not defined in these Terms and defined in the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (“DPDP Act”), the Prevention of Money‑Laundering Act, 2002, the Goods and Services Tax laws and rules and/or any allied laws, shall have the meanings respectively assigned to them in such statutes.

2.3 In these Terms, unless the context otherwise requires, (a) headings are for convenience only and shall not affect the interpretation hereof; (b) words importing the singular include the plural and vice versa; (c) the words “include” and “including” shall be construed without limitation; and (d) references to “Clauses” are references to clauses of these Terms.

3. GGIPL AND THE SERVICES

3.1 GGIPL: GrowGold Investment Private Limited is a company incorporated under the Companies Act, 2013, having its registered office at [insert registered office address], which, under its brand name “GrowGold”, offers to Customers the opportunity to purchase, hold, sell and/or take delivery of Precious Metal on or through the Platform.

3.2 Scope of Services: Subject always to these Terms and to applicable law, GGIPL shall provide to Customers the following services, as may be further detailed on the Platform (“Services”):

(a) sale of Precious Metal to Customers and purchase of Precious Metal from Customers, through the Platform;

(b) safekeeping, vaulting, storage and insurance arrangements in relation to Customer Precious Metal, through the Vault Keeper;

(d) facilitation of sale‑back and redemption of Customer Precious Metal, subject to applicable thresholds and charges;

(e) such other related, incidental, ancillary or value‑added services as GGIPL may, at its sole discretion, introduce from time to time.

3.3 No Advisory or Regulated Investment Product: The Customer acknowledges and agrees that:

(a) Precious Metal is not a deposit, fixed income product, collective investment scheme or portfolio management service and GGIPL does not carry on the business of an investment adviser, portfolio manager or stock‑broker;

(b) GGIPL does not guarantee any return, profit, appreciation or protection of principal in respect of any Customer Precious Metal or transaction carried out on or through the Platform;

(c) all decisions to purchase, hold, sell or take delivery of Precious Metal are taken by the Customer in its sole discretion, based on the Customer’s own judgment and independent advice (if any), and at the Customer’s sole risk.

3.4 Platform “As Is”: The Customer understands and acknowledges that the Platform and the Services are being provided on an “as is” and “as available” basis, subject to the disclaimer of warranties set out in Clause 14 below.

4. APPOINTMENT OF INTERMEDIARIES

4.1 Appointment: GGIPL may, from time to time, appoint Intermediaries to assist it in providing the Services to the Customers. Without prejudice to the generality of the foregoing, such Intermediaries may include the Trustee Administrator and the Vault Keeper.

4.2 Customer Consent: By accepting these Terms, the Customer hereby:

(a) expressly consents to GGIPL appointing the Intermediaries, for and on behalf of the Customer, for the purposes of providing the Services;

(b) agrees to accede to and be bound by the relevant arrangements entered into by GGIPL and/or the Trustee Administrator with such Intermediaries, to the extent such arrangements relate to the Customer Precious Metal; and

(c) authorises the Trustee Administrator to act on behalf of the Customer, to the extent contemplated in these Terms, in particular upon the occurrence of any Events of Default (as defined in Clause 9.2 below).

4.3 Payments to Intermediaries: The Customer acknowledges and agrees that certain fees, charges and/or expenses may be payable to the Intermediaries in connection with the provision of the Services. Unless otherwise notified on the Platform, such fees, charges and/or expenses shall be borne by GGIPL on behalf of the Customers. GGIPL shall, however, be entitled to levy appropriate charges on Customers (whether in the form of storage charges, delivery charges or otherwise) as set out in these Terms and/or on the Platform.

4.4 Vault Keeper and Insurance: Customer Precious Metal shall be stored with the Vault Keeper, on a pooled or allocated basis, in vaults which are insured in accordance with standard industry practice. The Customer expressly understands that:

(a) the Vault Keeper maintains insurance policies which generally cover risks such as fire, theft and certain natural calamities;

(b) such insurance policies may exclude certain events, including, without limitation, war, terrorism, nuclear events and governmental expropriation; and

(c) in respect of such excluded events, Customer Precious Metal may be at risk and GGIPL shall not be liable for any loss or damage arising therefrom.

5. STORAGE, FREE PERIOD AND UNCLAIMED BALANCES

5.1 Free Storage Period: GGIPL shall provide storage of Customer Precious Metal free of charge for a period of five (5) years from the date of the relevant Customer Order (or such other period as may be notified by GGIPL on the Platform from time to time) (“Free Storage Period”).

5.2 Post‑Free Period Storage Charges: Upon expiry of the Free Storage Period, GGIPL shall be entitled to levy storage charges in respect of the Customer Precious Metal, at such rates and in such manner as may be specified on the Platform from time to time. Without prejudice to the generality of the foregoing, GGIPL may deduct such charges by way of periodic reduction of the Customer Precious Metal balance.

5.3 Right to Liquidate for Unpaid Charges: In the event the Customer fails to pay any applicable storage charges or other amounts due to GGIPL in relation to the Customer Precious Metal, GGIPL shall be entitled, without the requirement of any further consent from the Customer, to sell such quantity of Customer Precious Metal as may be reasonably necessary to set off and discharge such outstanding amounts.

5.4 Maximum Storage Period, Grace Period and Final Claim Period:

(a) GGIPL may, at its discretion, specify a maximum period for which Customer Precious Metal may be stored (“Maximum Storage Period”), beyond which Customers shall be required to take delivery and/or sell such Customer Precious Metal.

(b) If, upon expiry of the Maximum Storage Period, the Customer has neither (i) provided valid delivery instructions; nor (ii) provided valid bank account details for receipt of sale proceeds, GGIPL shall, for a further period of one (1) year (“Grace Period”), use reasonable efforts to contact the Customer at least once using the contact information provided by the Customer.

(c) Upon expiry of the Grace Period, if the Customer remains uncontactable and/or has failed to act in accordance with sub‑clause (b) above, GGIPL shall be entitled to purchase such Customer Precious Metal at the prevailing Currency Value and transfer the net sale proceeds (after adjustment of applicable charges) to a bank account operated by the Trustee Administrator.

(d) The Customer may, at any time during a period of three (3) years from the expiry of the Grace Period (“Final Claim Period”), claim such net sale proceeds by providing the Trustee Administrator with requisite documentation and valid bank account details. No cash payouts shall be made under any circumstances.

(e) If the Customer fails to claim such net sale proceeds within the Final Claim Period, the Trustee Administrator shall transfer the unclaimed amount to the Prime Minister’s National Relief Fund or such other charitable fund as the Customer may have designated in writing prior to the expiry of the Grace Period. Thereafter, the Customer shall have no further claim against GGIPL and/or the Trustee Administrator in this regard.

6. CREATION OF CUSTOMER ACCOUNT AND KYC

6.1 Eligibility: Only the following persons shall be eligible to open a Customer Account and avail the Services:

(a) natural persons who are at least eighteen (18) years of age, of sound mind and competent to contract;

(b) Indian residents, unless GGIPL specifically permits non‑resident participation for specific products or Reward Programs; and

6.2 KYC and Registration: Before availing the Services, the Customer shall complete the registration process as may be prescribed by GGIPL from time to time and shall submit such know‑your‑customer (“KYC”) documentation and other information as may be required by GGIPL and/or any Intermediary. The Customer authorises GGIPL to undertake such verification, directly or through third‑party KYC service providers, as GGIPL may deem necessary.

6.3 Accuracy of Information: The Customer shall be responsible for the accuracy and completeness of all information and documents provided to GGIPL. The Customer agrees to promptly notify GGIPL in writing of any change in such information, including, without limitation, change in address, contact details and GST registration status.

6.4 Right to Reject / Terminate: GGIPL reserves the right, at its sole discretion, to refuse to open a Customer Account and/or to suspend or terminate an existing Customer Account, with or without notice, in the event:

(a) the Customer fails to comply with KYC requirements;

(b) the information or documents provided are found to be incorrect, incomplete or misleading; or

(c) GGIPL has reasonable grounds to suspect that the Customer is in breach of applicable law, including, without limitation, anti‑money laundering or counter‑terrorism financing laws.

6.5 Customer Responsibility for Account Credentials: The Customer shall be solely responsible for maintaining the confidentiality of the Customer Account credentials and for all activities that occur under the Customer Account. GGIPL shall not be liable for any loss or damage arising from any unauthorised access to or use of the Customer Account due to the Customer’s failure to maintain confidentiality.

7. PLACING CUSTOMER ORDERS AND DELIVERY

7.1 Orders for Purchase of Precious Metal: Subject to KYC compliance and account activation, the Customer may place Customer Orders for purchase of Precious Metal through the Platform, for such minimum and maximum amounts as may be specified from time to time. The display of Currency Value on the Platform shall constitute an invitation to offer. A Customer Order placed by the Customer shall be deemed to be an offer to purchase Precious Metal at the Currency Value so displayed, which GGIPL may accept or reject at its discretion.

7.2 Payment and Confirmation: Customer Orders shall be accompanied by full payment through permitted payment modes. A Customer Order shall be deemed confirmed only upon receipt of funds and acceptance by GGIPL. Upon confirmation, GGIPL shall credit the corresponding quantity of Customer Precious Metal to the Customer Account within such time as may be notified on the Platform.

7.3 No Cancellation by Customer: Once a Customer Order has been placed and accepted by GGIPL, the same shall be final and binding and the Customer shall have no right to cancel the Customer Order, save and except where payment has failed or has not been received by GGIPL.

7.4 Right of GGIPL to Reject Orders: Notwithstanding anything to the contrary contained herein, GGIPL shall be entitled, at its sole discretion and without assigning any reason, to refuse to accept any Customer Order or to cancel an accepted Customer Order prior to crediting the Customer Precious Metal, whereupon any amounts received from the Customer in respect of such Customer Order shall be refunded to the Customer’s bank account, without any interest.

7.5 Delivery Requests: Subject to these Terms and to such additional terms as may be notified on the Platform, a Customer may request physical delivery of all or part of the Customer Precious Metal by placing a delivery request (“Delivery Request”) and paying applicable delivery, minting and other charges. GGIPL shall endeavour to arrange delivery within such timelines as may be specified on the Platform, to the delivery address provided by the Customer.

7.6 Threshold Quantities: GGIPL shall not be obliged to deliver Precious Metal below such minimum threshold quantity as may be specified on the Platform (“Threshold Quantity”). In the event that the Customer’s Delivery Request relates to a quantity below the Threshold Quantity, GGIPL may, at its discretion, either (a) reject such Delivery Request; or (b) sell such quantity on behalf of the Customer and remit the sale proceeds to the Customer’s bank account.

7.7 Inspection on Delivery and Returns: The Customer shall inspect the package at the time of delivery and shall not accept any package that appears to be tampered with. In the event the Customer suspects tampering, the Customer shall notify GGIPL immediately and follow such return procedure as GGIPL may prescribe. GGIPL shall not be liable for any claim in respect of discrepancies raised after acceptance of delivery by the Customer or its representative.

8. FORCE MAJEURE

8.1 Force Majeure Events: GGIPL and/or the Trustee Administrator shall not be liable for any failure or delay in performing any of their obligations under these Terms if such failure or delay is due to any Force Majeure Event, which shall include, without limitation:

(a) acts of God, flood, drought, earthquake or other natural disaster;

(b) epidemic, pandemic, public health emergency or any related governmental restrictions, including lockdowns;

(d) act of any government or any governmental authority, including expropriation, nationalisation, embargo, sanctions or restrictions on movement of goods or funds;

(e) failure of public or private telecommunications networks, internet backbone, power grid or banking/payment systems;

(f) cyber‑attacks, hacking, malware, virus, ransomware or other security breaches beyond reasonable control; or

(g) any other event or circumstance which is beyond the reasonable control of GGIPL or the Trustee Administrator and which could not have been prevented by reasonable care and diligence.

8.2 Effect of Force Majeure: In the event of a Force Majeure Event, the obligations of GGIPL and/or the Trustee Administrator under these Terms shall be suspended for the duration of such Force Majeure Event to the extent affected thereby, and such non‑performance shall not constitute a breach of these Terms.

9. TERMINATION, EVENTS OF DEFAULT AND CONSEQUENCES

9.1 Termination by GGIPL: GGIPL may, at its sole discretion, suspend or terminate the Customer’s access to the Platform and/or the Services, with or without notice, if:

(a) the Customer is in breach of these Terms or of any applicable law;

(b) GGIPL is so required by law, by any regulatory or governmental authority, or by order of a court of competent jurisdiction; or

9.2 Events of Default (EOD): These Terms shall, without prejudice to any other rights or remedies of GGIPL or the Trustee Administrator, stand terminated upon the occurrence of any of the following events (each an “Event of Default”):

(a) GGIPL being adjudged bankrupt or declared insolvent;

(b) GGIPL ceasing to carry on its business or communicating its intention to cease to carry on its business, with less than ninety (90) days’ written notice to the Trustee Administrator;

(c) initiation of corporate insolvency resolution process, liquidation or winding‑up proceedings against GGIPL under applicable law;

(d) appointment of a liquidator, receiver, administrator, judicial custodian or similar official over the whole or a substantial part of the assets of GGIPL; or

(e) occurrence of such other events as may be treated as an Event of Default in the arrangements between GGIPL and the Trustee Administrator.

9.3 Consequences of Events of Default: Upon the occurrence of an Event of Default:

(a) the Trustee Administrator shall prepare a list of all Customers holding Customer Precious Metal as on the date of the Event of Default (“EOD Customers”);

(b) the Trustee Administrator shall notify the EOD Customers (directly or through the relevant distribution partners) of the occurrence of the Event of Default and the process to be followed in relation to their Customer Precious Metal;

(c) in respect of EOD Customers holding Customer Precious Metal below such minimum quantity as may be specified, the Trustee Administrator may sell such quantity at prevailing market rates and remit the sale proceeds to the relevant bank account, subject to applicable deductions and timelines;

(d) in respect of EOD Customers holding Customer Precious Metal above such minimum quantity, the Trustee Administrator shall provide an opportunity, within such time as may be specified, to either (i) pay applicable charges and request delivery; or (ii) have the Customer Precious Metal sold and receive the sale proceeds; and

(e) where the Trustee Administrator is unable to obtain requisite instructions or information from an EOD Customer, it may sell the relevant Customer Precious Metal and hold the net sale proceeds in an escrow account for such period and on such terms as may be indicated, following which unclaimed amounts may be transferred to the Prime Minister’s National Relief Fund or such other fund as may be specified.

10. GOVERNING LAW AND DISPUTE RESOLUTION

10.1 These Terms shall be governed by and construed in accordance with the laws of India.

10.2 Subject to Clause 10.3, the courts at Mumbai, Maharashtra, shall have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms, the Platform or the Services.

10.3 Any dispute, controversy or claim arising out of or relating to these Terms or the breach, termination or invalidity thereof (“Dispute”) shall be referred to and finally resolved by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitral tribunal shall consist of a sole arbitrator, to be jointly appointed by GGIPL and the Customer. The seat and venue of arbitration shall be Mumbai, Maharashtra. The arbitration proceedings shall be conducted in the English language. The award of the arbitrator shall be final and binding on the parties.

10.4 Nothing contained in this Clause 10 shall preclude GGIPL from seeking interim or equitable reliefs, including injunctions, from any court of competent jurisdiction, for the protection of its rights, assets or confidential information.

11. CUSTOMER OBLIGATIONS AND PROHIBITED CONDUCT

11.1 The Customer shall use the Platform and the Services strictly in accordance with these Terms and applicable law.

11.2 The Customer shall not:

(a) use the Platform for any unlawful purpose, including money‑laundering, terrorist financing or in violation of any sanctions laws;

(b) attempt to circumvent any technical or security measures implemented by GGIPL;

(d) reproduce, duplicate, copy, sell, resell, or exploit the Platform or any part thereof for commercial purposes not expressly permitted by GGIPL; or

(e) upload or transmit any content that is defamatory, obscene, offensive, infringing or otherwise objectionable.

11.3 In the event of any breach of this Clause 11, GGIPL shall be entitled, without prejudice to its other rights and remedies, to immediately suspend or terminate the Customer Account and to forfeit any benefits, including under Reward Programs, that may have accrued.

12. REWARD PROGRAMS (IF ANY)

12.1 GGIPL may, from time to time, offer Reward Programs to Customers. Participation in any Reward Program shall be voluntary and shall be subject to such additional terms and conditions as may be specified in respect thereof.

12.2 GGIPL reserves the right, at its sole discretion, to modify, suspend or withdraw any Reward Program at any time without prior notice and without incurring any liability to the Customers.

12.3 In case of any conflict between the terms of a specific Reward Program and these Terms, the terms of the specific Reward Program shall prevail to the extent of such conflict.

13. TAXES

13.1 All transactions on the Platform shall be subject to applicable taxes, including goods and services tax (“GST”), as may be prescribed under applicable law from time to time.

13.2 The Customer acknowledges and agrees that:

(a) GGIPL shall collect and deposit applicable GST and other indirect taxes on transactions, as required by law;

(b) any income‑tax implications arising from purchase, holding or sale of Precious Metal, including capital gains tax, shall be the sole responsibility of the Customer; and

(c) GGIPL shall not be responsible for advising the Customer on its tax affairs and the Customer should obtain independent tax advice.

14. DISCLAIMER OF WARRANTIES

14.1 The Customer expressly understands and agrees that the Platform and the Services are provided on an “as is” and “as available” basis. GGIPL expressly disclaims, to the fullest extent permitted by applicable law, all warranties of any kind, whether express, implied, statutory or otherwise, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, non‑infringement, completeness, accuracy or reliability.

14.2 Without prejudice to the generality of the foregoing, GGIPL does not warrant that:

(a) the Platform or the Services will meet the Customer’s requirements;

(b) access to the Platform will be uninterrupted, timely, secure or error‑free;

(d) any defects or errors in the Platform will be corrected.

15. LIMITATION OF LIABILITY

15.1 To the maximum extent permitted by applicable law, in no event shall GGIPL (including its directors, officers, employees, agents and representatives) be liable to the Customer or to any third party for any indirect, incidental, special, consequential or punitive damages whatsoever, or for any loss of profits, loss of business, loss of revenue, loss of goodwill or loss of data, arising out of or in connection with these Terms, the Platform or the Services, whether based on contract, tort (including negligence), strict liability or otherwise, even if GGIPL has been advised of the possibility of such damages.

15.2 Without prejudice to the foregoing, GGIPL’s aggregate liability to the Customer, whether in contract, tort or otherwise, arising out of or in connection with these Terms, the Platform or the Services, shall be limited to the lower of:

(a) the aggregate amount paid by the Customer to GGIPL in respect of purchase of Precious Metal on the Platform during the twelve (12) months immediately preceding the date on which the claim arose; or

(b) INR 10,000 (Rupees Ten Thousand only).

15.3 Nothing in this Clause 15 shall exclude or limit any liability of GGIPL which cannot be excluded or limited under applicable law.

16. INDEMNITY

16.1 The Customer hereby agrees to indemnify, defend and hold harmless GGIPL, its affiliates, directors, officers, employees, agents and representatives from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising out of or in connection with:

(a) any breach by the Customer of these Terms or of applicable law;

(b) any inaccuracy in information or documents provided by the Customer;

(d) any third‑party claim arising out of or in connection with any transaction entered into by the Customer on or through the Platform.

16.2 This Clause 16 shall survive termination of these Terms.

17. AMENDMENT, ASSIGNMENT AND SEVERABILITY

17.1 Amendment: GGIPL reserves the right, at its sole discretion, to modify or amend these Terms, in whole or in part, at any time. Such modifications or amendments shall be effective upon posting on the Platform and, where required by law, upon notification to the Customers. The Customer’s continued use of the Platform after such posting shall constitute acceptance of the amended Terms.

17.2 Assignment: The Customer shall not assign, transfer or delegate any of its rights or obligations under these Terms without the prior written consent of GGIPL. GGIPL may assign or transfer its rights and obligations under these Terms to any of its affiliates or to any third party in connection with a merger, demerger, sale of business or otherwise, without the prior consent of the Customer.

17.3 Severability: If any provision of these Terms is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, such provision shall be deemed to be severed and the remaining provisions shall continue in full force and effect.

18. GRIEVANCE REDRESSAL AND CONTACT

18.1 In accordance with the Information Technology Act, 2000 and the rules made thereunder, GGIPL has designated a Grievance Officer. The name and contact details of the Grievance Officer shall be displayed on the Platform and may be updated from time to time.

18.2 Any complaints, concerns or queries in relation to the Platform, the Services or these Terms may be addressed to the Grievance Officer at the contact details so provided. GGIPL shall endeavour to address such complaints within such timelines as may be prescribed under applicable law.

18.3 For data protection‑related grievances under the DPDP Act, the same Grievance Officer shall act as the point of contact, and grievances shall be handled in accordance with the DPDP Act and applicable rules.

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO BE BOUND BY THESE TERMS.

MGS Jewellers

Retail Address

Bullion Address