These terms govern your use of the GB Surya Jewellery Digi Gold & Saving Scheme app and website. By joining a scheme or buying digital gold you accept them, together with the specific terms of the scheme you join, which are shown to you before you enrol.
1. Eligibility
You must be 18 or over and resident in India. You are responsible for the accuracy of the details you give us. You sign in with a one-time code sent to your registered mobile number, so keep that number secure and never share a code with anyone — we will never ask you for it.
2. Savings schemes
- Each scheme has its own instalment amount, number of instalments, payment window and benefits. These are shown before you join and printed on your registration form.
- Instalments are booked as weight at the metal rate prevailing on the date the payment is received, not the date it was due.
- Missing an instalment does not end your membership, but benefits may be affected as set out in that scheme's terms.
- Benefits become payable only on completion and redemption within the stated window.
3. Digital gold
- Digital gold you buy is held as a book balance against GB Surya Jewellery stock and is redeemable as jewellery, coin or bar at our branches.
- The rate quoted at the moment of purchase is held for a short, displayed period. If it expires before payment completes, a fresh rate applies.
- Value addition, making charges and GST apply when you redeem against jewellery.
4. Payments
- Online payments are handled by our payment provider. A payment is credited only once it is confirmed by the provider.
- Cash is not accepted at or above ₹2,00,000 in a single transaction, as required by law.
- PAN is required once your total payments reach ₹2,00,000.
5. Redemption and closure
Redemption is at the branch where your membership is held, or any branch we nominate, on production of your registration and identity proof. Premature closure, where the scheme permits it, may carry a deduction and may forfeit accrued benefits, as stated in that scheme's terms.
6. Rates
Metal rates change daily and intra-day. The rate shown in the app is the rate at the time it is displayed and is not a guarantee of any future rate.
7. Our liability
We are responsible for your scheme balance and for crediting your payments correctly. We are not liable for loss arising from delays outside our control, including network, banking or payment provider failures. Nothing in these terms limits liability that cannot be limited by law.
8. Suspension
We may suspend or close an account where we reasonably suspect fraud, impersonation, or a breach of these terms, and will settle any legitimate balance due to you.
9. Governing law
These terms are governed by the laws of India, and the courts of Tamil Nadu have jurisdiction.
10. Contact
GB Surya Jewellery · support@gbsuryajewellery.in · +91 83007 03775