Terms & Conditions

Last Updated: January 14, 2025

These terms and conditions (“Terms and Conditions” or “Terms”) mandate the terms on which the
users (“You” or “Your” or “User”) can access and register on the website https://www.myjar.app/
including its mobile application – Jar; collectively the platform (“Platform”) operated and managed by
Changejar Technologies Private Limited (“Jar” “We” or “Us”) and Jar Gold Retail Private Limited
(“JarGold” or “We” or “Us”) collectively referred to as the company (“Company”) to provide you the
services.

‍IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE TERMS OF USE
OF JAR (AS AVAILABLE AT https://www.myjar.app/terms-and-conditions AND
https://www.myjar.app/privacy-policy, YOU MAY NOT USE THE PLATFORM AND SHOULD
NOT PROCEED TO CREATE ANY ACCOUNTS OR ACQUIRE ANY SUBSCRIPTIONS TO THE
PLATFORM. BY USING THE PLATFORM, YOU ARE AGREEING TO BE BOUND BY THESE
TERMS AND CONDITIONS, INCLUDING ALL AMENDMENTS MADE HERETO FROM TIME
TO TIME.

This is an electronic record in the form of an electronic contract formed under the Information
Technology Act, 2000 and the rules made thereunder, and does not require any physical or digital
signatures. This is being published in accordance with Rule 3(1) of the Information Technology
(Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2011, that requires publishing the
rules and regulations, privacy policy and terms of use for access or usage of the platform.

The Platform is an online portal that facilitates the Users to purchase/sale/transfer gold and/or other
precious metals in digital gold backed by gold bullions and coins with purity as mentioned (“Precious
Metal”) operated and managed by Us (incorporated under the laws of India with corporate
identification number U47733KA2023PTC181719) and JarGold provides for purchase and sale of
Precious Metal, and providing services of safe keeping, vaulting, delivery and fulfilment of Precious
Metal and related services (“Services”).

DISCLAIMER: YOU UNDERSTAND THAT BY REGISTERING TO AND/OR USING THE
PLATFORM AND/OR ACCESSING SERVICES DIRECTLY OR INDIRECTLY FROM THE
PLATFORM, YOU ONLY RECEIVE THE ABILITY TO USE THE PLATFORM FOR PURCHASE
OF PRECIOUS METAL FROM JARGOLDOR SUCH OTHER PRODUCTS/SERVICES OFFERED
BY US FROM TIME TO TIME.

‍

You understand that the Precious Metal is being offered for purchase by JarGold, and the User can
also sell the Precious Metal through the Platform. As per these Terms and Conditions, the Precious
Metal purchased by You will be accounted in a customer account maintained by JarGold and the
corresponding quantity of Precious Metal in physical form will be stored with Brink’s India Pvt.
Limited (“Custodian”). In order to safeguard Your interest, JarGold has also appointed an
Administrator Vistra Corporate Services (India) Private Limited (“Administrator”), and You agree to
the appointment of such Administrator and the Custodian, and also accede to the terms for such
arrangement with the Administrator . The Administrator shall be responsible for monitoring the
physical Precious Metal held on Your behalf with the Custodian.

Please read the terms and conditions and privacy policy (available at https://www.myjar.app/terms-
and-conditions and https://www.myjar.app/privacy-policy) carefully before registering on the
Platform or accessing any material and/or information through the Platform. The Company retains an
unconditional right to modify or amend this Terms and Conditions without any requirement to notify
You of the same. You can determine when this Terms and Conditions was last modified by referring to
the ‘Last Updated’ legend below. It shall be Your responsibility to check this Terms and Conditions
periodically for changes. Your continued use of the Platform shall indicate an acceptance of the
amended Terms and Conditions and shall signify Your consent to the changes to the Terms and
Conditions and the intention to be legally bound by the amended Terms and Conditions. It is also
clarified that these Terms and Conditions and the terms and conditions of the Platform apply to You
once you avail of the Services and purchase Precious Metals.

By using the Services, you acknowledge that Jar is not responsible for the quality of physical Precious
Metal being offered and sold by JarGold and that any disputes in relation to the quality of physical
gold shall be raised directly by You to JarGold.

1. ELIGIBILITY
By using the Services, you represent and warrant that you are above the 18 years of age and qualified
to enter into a legally binding contract, enforceable under Indian law, including the Indian Contract
Act, 1872. If you are not eligible to enter into any contract, then please discontinue use of the
Platform and leave now. If you are the parent or guardian of a child under 18 years of age, by
registering/by creating an account or profile on the Platform, you provide your consent to your child’s
registration and you agree to be bound by these Terms and Conditions in respect of their use of our
Platform. We will at all times assume (and by using this Platform you warrant that) you have the legal
ability to purchase and sale Precious Metals and otherwise use this Platform, and capable of being
bound by these Terms and Conditions. Further, by using the Platform, You confirm that you are not
registered under any applicable Goods and Services Tax Act, 2017 and that if, in the course of your
relationship with our Platform, and/or JarGold, you become registered under the applicable Goods
and Services Tax Act, 2017, you shall inform Us of your change in status immediately, and no later
than 24 hours of such change, and provide any relevant information and documents, as may be
requested by Us. The Company shall not be liable for any actions pursuant to change of Your status
on registration under the applicable Goods and Services Tax Act, 2017 and rules made thereunder. If

necessary, You shall seek independent tax advice, and these Terms and Conditions do not constitute
any investment and/or tax advice to You.

2. REGISTRATION
The Services are available to only those who have subscribed to the Platform by registering and
creating account with Us. You can register to the Platform by providing your personal information
including name, age, gender and registered mobile number. The registration will be validated by
sending one time password (OTP) to registered mobile number.
We may also ask You for certain financial information, including Your billing address, bank account
details, or other payment related details or other payment method data, and debit instructions or other
standing instructions to process payments for the Platform Services (as defined below). The Company
may also ask You to provide certain additional information about Yourself on a case-to-case basis.
If there is any change in the account information, You shall promptly update Your account
information on the Platform. If You provide any information that is untrue, inaccurate, not current or
incomplete (or becomes untrue, inaccurate, not current or incomplete), or if the Company has
reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete,
the Company has the right to suspend or terminate Your Account and refuse any and all current or
future use of the Platform (or any portion thereof) at its sole and absolute discretion, in addition to any
right that the Company may have against You at law or in equity, for any misrepresentation of
information provided by You.
By registering on the Platform, you agree to (a) provide correct details when prompted on the
Platform and failure to do so may invalidate your request to use Services; (b) authorise the Platform
and the Company to retain the information shared by You for the purpose of using the Platform and/or
accessing the Services and for any marketing campaign undertaken by the Company and/or third-
party service providers; and (c) by giving Your details, You agree to abide by the Terms and
Conditions and the Privacy Policy. Also, by registering, you agree that you will not allow others to
use Your account and that you are fully responsible for all activities that occur under Your account.
We may assume that any communications we receive under Your account have been made by You.
By providing such personal information, You consent to receive all information, communication and
instructions relating to the Platform, the Services offered by the Platform and/or third-party service
providers, and for availing special offers and promotional benefits. You shall solely be responsible for
the appropriate use of the same. You shall immediately notify the Company of any unauthorized use /
breach of your password or account and ensure that You exit from Your account at the end of each
session. The Company reserves the right to refuse service, terminate accounts, remove or edit content,
or cancel orders in their sole and absolute discretion. The Company cannot and will not be liable for
any loss or damage arising from Your failure to comply with these Terms and Conditions. You may be
held liable for losses incurred by the Company or any other user of or visitor to the Platform due to
authorized or unauthorized use of Your Account as a result of Your failure in keeping Your Account
information secure and confidential.
3. PLATFORM SERVICES
Company, at any time and at its sole discretion, may change the specifications of any
functionality/feature utilized by individuals on the Platform. Company will not be liable for any

inconvenience caused due to such changes in or discontinuation of any functionality/feature. By
registering on the Platform, You are allowed to purchase Precious Metal pursuant to the collaboration
between Jar and JarGold. Jar hereby grants You, a limited, non-exclusive, non-transferable, royalty
free license to use the Platform for the purposes of availing the Services. The services offered on the
Platform shall include but is not limited to the following facilitating buying and selling of Precious
Metals (“Platform Services” or “Services”).
However, before placing the order and availing the Services, the User may be required to provide
certain KYC documentation and other information as may be required by Jarin such form and manner
as it may deem fit. This information may be requested from You at the time of registration, or at a
later stage, including the following events, to prevent fraudulent activities:
You may withdraw your purchase of digital gold or balance available of Your Precious Metal; and/or
You may wish to get Your Precious Metal (based on whether you have sufficient balance available
with You) delivered to Your doorstep. The KYC verification shall be undertaken based on Your
government identity card (“ID”) including the PAN Card issued to You. You shall upload a clear
picture of your ID or PAN Card except in cases where e-PAN is provided by You. We shall verify
Your details from the database of the issuing authority, including through Digilocker. If You do not
have an ID and/or PAN Card, you may submit Form 60 to Us.
It is hereby clarified that any Services offered (purchase, sale or transfer of Precious Metal on the
Platform) are governed under these terms and conditions of JarGold, operated and managed by Jar
Gold Retail Private Limited.
You hereby agree and acknowledge that the data and information provided on the Platform does not
constitute advice of any nature whatsoever and shall not be relied upon by You while making
decisions and You shall be solely responsible for any decisions and for the purchase of any Precious
Metal on the Platform. In no event shall the Company be liable to You for any loss or damage that
may cause or arise from or in relation to these Terms and Conditions and/or due to use of this
Platform. As part of the Platform Services provided to You, on availing such services, You agree to
provide honest feedback/review about the concerned Platform Service, if required or requested by the
Company from time to time.
Use of the Platform and availing the Services: You acknowledge that the Services are for Your
personal use and agree not to publish the Precious Metal prices or descriptions of Precious Metal
and/or any other information displayed on the Platform (in lieu of Your access to the Platform) on any
other medium. You agree to use the Platform only: (a) for purposes that are permitted by the Terms
and Conditions; and (b) in accordance with any applicable law, regulation or guidelines.
You agree that You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display,
perform, modify, alter, transmit, license, create derivatives from, transfer or in any way exploit any
part of any information, content, materials, services available from or through the Platform, except
that You may download the Platform for Your own personal, internal and non-commercial use. You
agree that You will not use the Platform in any manner or engage in any activity that may damage,
disable or impair or adversely affect the use of the Platform or interfere with any other users’ use,
legal rights, or enjoyment of the Platform. Further, You agree not to remove any text, copyright or
other proprietary notices contained in the content downloaded from the Platform.
Further, while using the Platform, You undertake not to:
defame, abuse, harass, threaten or otherwise violate the legal rights of others;

publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing,
obscene, indecent or unlawful topic, name, material or information;
copy, republish, post, display, translate, transmit, reproduce or distribute any content on the Platform
through any medium without obtaining the necessary authorization from the Company in writing;
conduct or forward surveys, contests, pyramid schemes or chain letters;
upload or distribute files that contain software or other material protected by applicable intellectual
property laws unless You own or control the rights thereto or have received all necessary consents;
upload or distribute files that contain viruses, corrupted files, or any other similar software or
programs that may damage the operation of the Platform or another’s computer;
engage in any activity that interferes with or disrupts access to the Platform (or the servers and
networks which are connected to the Platform);
attempt to gain unauthorized access to any portion or feature of the Platform, any other systems or
networks connected to the Platform, to any of the Company’s server, or through the Platform, by
hacking, password mining or any other illegitimate means;
probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor
breach the security or authentication measures on the Platform or any network connected to the
Platform.
reverse look-up, trace or seek to trace any information on any other user, of or visitor to, the Platform,
to its source, or exploit the Platform or information made available or offered by or through the
Platform, in any way whether or not the purpose is to reveal any information, including but not
limited to personal identification information, other than Your own information, as provided on the
Platform;
disrupt or interfere with the security of, or otherwise cause harm to, the Platform, systems resources,
accounts, passwords, servers or networks connected to or accessible through the Platform or any
affiliated or linked sites;
collect or store data about other users in connection with the prohibited conduct and activities;
use any device or software to interfere or attempt to interfere with the proper working of the Platform
or any transaction being conducted on the Platform, or with any other person’s use of the Platform;
use the Platform or any material or content for any purpose that is unlawful or prohibited by these
Terms and Conditions, or to solicit the performance of any illegal activity or other activity which
infringes the rights of the Company or other third parties;
falsify or delete any author attributions, legal or other proper notices or proprietary designations or
labels of the origin or source of software or other material contained in a file that is uploaded;
violate any applicable laws or regulations for the time being in force within or outside India or
anyone’s right to privacy or personality;
violate the Terms and Conditions contained herein or terms and conditions provided elsewhere; and
reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license,
create derivative works from, transfer, or sell any information or software obtained from the Platform.

4. PLACING OF ORDER
You can purchase Precious Metal on the Platform on a pre-payment basis i.e., once you place the
order and confirm the transaction for purchase of Precious Metal (“Customer Order”) the same shall
be notified by the Company to Jar.
Once the payments are received by JarGold and the KYC information is found acceptable, JarGold
shall issue an invoice to You confirming the Customer Order placed within a period of 3 (three)
business days of placing such order, in a manner it may deem fit. Notwithstanding anything to the
contrary contained in these Terms and Conditions, Company shall be entitled to accept or reject the
User, for any reason whatsoever, at its sole and exclusive discretion.
Once the Customer Order is placed, You are not entitled to cancel such a Customer Order, provided
however that such Customer Order shall stand cancelled if the payment fails for any reason
whatsoever. The Platform and/or JarGold reserves the right to cancel the Customer Order, at its sole
discretion, if Your information, provided prior to placing the Customer Order, is not found acceptable
and the Platform and/or JarGold are of the opinion that You are not eligible to purchase Precious
Metal from JarGold.
In case of rejection of any of Your Customer Order, where payments have been received by the
JarGold, such payments shall be returned to You in accordance with these Terms and Conditions , as
applicable.

The quantity of Precious Metal purchased by You shall be stored with the Custodian in a vault on
Your behalf. You hereby authorize JarGold to store such physical Precious Metal products purchased
by You pursuant to the Customer Order, including, but not limited to, bullion and coins(as the case
may be) in the secured vault maintained with the Custodian on Your behalf (“Customer Precious
Metal”). It is hereby clarified that Your purchase of the physical Precious Metal corresponding to the
Your Customer Order shall be deemed to be completed and title in relation thereto shall be deemed to
have been passed to You upon such relevant portion of the Customer Precious Metal being stored in
the vault with the Custodian on Your behalf in accordance with the terms and conditions of JarGold,
subject to applicable laws.
You will be provided with free storage for your Customer Precious Metal for 5 years, or for such
period as more particularly stipulated by JarGold in this regard from time to time at its sole discretion
and notified to Customers on the Platform (“Free Storage Period”). After the expiry of the Free
Storage Period, JarGold shall be entitled to levy storage charges (“storage charges”)for such Customer
Precious Metal at such rate as would be specified on the Platform, and which may be revised from
time to time. The charges would be levied by deducting the Precious Metal balance at the end of each
month by a percentage amount at the specified rate. You are advised to periodically check the
Platform to understand these storage charges. In the event, JarGold is not able to deduct the storage
charges because Your Precious Metal balance is too low, then JarGold shall be entitled to sell such
portion of Your Customer Precious Metal stored with the Custodian that is necessary or required to
recover the unpaid storage charges in question.
To ensure that the Customer Precious Metal stored in such vault is adequately protected, necessary
insurance policy/ies has been obtained by the Custodian, with the cost of the insurance and the

insurance premia is borne by the JarGold. Pursuant to such insurance policy/ies, for any loss or
damage to the Customer Precious Metal stored in the vault, You authorize the Administrator to act as
Your beneficiary under the insurance policy/ies and to take all steps necessary to protect Your
interests in the Precious Metal.
While the Custodian has taken the necessary insurance policy/ies, in case of occurrence of an event
not covered in such insurance policy/ies, the Customer Precious Metal may be at risk. The insurance
policy/ies obtained by the Custodian are in line with the global industry practices and cover losses due
to fire, lightning, theft and/or attempted theft, cyclone, tornado, windstorm, earthquake, flood,
explosion, malicious damage or collision or overturn of conveyance etc. but do not cover losses due to
events such as war, revolution, derelict weapons of war, nuclear radiation, etc.
In the event of any expenses or charges remaining payable to the Custodian, the Administrator or such
other person appointed by JarGold as an intermediary, or otherwise till actual delivery or fulfilment of
any of Your Customer Orders for any reason, including where JarGold is unable to service such
requests due to any event of default, thereby adversely effecting or jeopardizing the fulfilment of Your
Customer Orders, then the Administrator will be entitled to sell part of the Customer Precious Metal
and satisfy such outstanding expenses or charges as required in accordance with these Terms and
Conditions read with the Administrator agreement. The sums due to You and/or Precious Metal to be
delivered (as the case may be), after settling the aforementioned charges, would be dealt with in
accordance with these Terms and Conditions read with the Administrator agreement.
5. PRICING AND PAYMENT POLICY
Except where noted otherwise, the price displayed on the Platform, represents the market linked price
of Precious Metal as indicated by JarGold. Market linked prices means that these quotes are linked to
the prices of Precious Metal in the commercial bullion market in India. However, it does not indicate
that the Precious Metal prices displayed on the Platform will always be same as that of the prevalent
prices displayed in other commercial bullion markets. As a purchaser, it is Your responsibility to
compare the prices and take appropriate decisions after adequate diligence.
It is hereby clarified that display of such price of Precious Metal shall not constitute binding offers
and would be an invitation to offer to purchase Precious Metal at the said price to all customers.
Notwithstanding the foregoing, you understand that these prices may vary multiple times within a day,
and accordingly Your payment obligations for any Customer Order will depend on the prices
displayed at the relevant time.
Payment policy: Payment will be accepted through the payment options made available on the
Platform, which may include redirection to a payment gateways and aggregators hosted by third-party
website or applications including UPI payments like Phone Pe – https://www.phonepe.com/, Paytm –
https://paytm.com/ etc.. At the time of purchase, fulfilment sale and/or transfer of Precious Metal, the
relevant taxes will be chargeable as applicable as per the Government regulations and applicable laws.
The transactions on the Platform with will be completed only after successful transfer of money to
JarGold’s bank account, either from Your registered bank account or from the escrow account
maintained by the Company. Please note that the corresponding Precious Metal quantity will be
credited to Your Account maintained with the Company, within 5 (five) business days from the date of
successful transfer of such amount. Please understand the terms of custodian and administrator
arrangement before making the saving.

Notwithstanding anything to the contrary contained in these Terms, Company shall be entitled to
accept or reject a Customer Order, for any reason whatsoever, at its sole discretion.
Unclaimed rewards will get expired after 90 days from date of credit.
6. DELIVERY OF PRECIOUS METAL
For the purposes of making delivery to You, You are required to provide a valid address and/or any
other documents/information/biometric identification that may be specified in this regard by Company
on the Platform and/or any other website as specified from time to time.
You are required to take delivery of Your Customer Precious Metal within such maximum period as
shall be specified for this purpose by JarGold from time to time on the Platform (“Maximum Storage
Period”).
In the event that no valid address has been provided by You during the Maximum Storage Period, then
Platform and JarGold shall for a period 1 (one) year commencing from the date of expiry of
Maximum Storage Period (such period being the “Grace Period”) attempt at least once to contact You
using the contact information provided by You to obtain either (i) an address to which You would
require the Precious Metal in question to be delivered or (ii) Your bank account details into which sale
proceeds of the Customer Precious Metal shall be deposited. In the event that Platform and/or JarGold
has not been able to contact You during the applicable Grace Period using the contact information
provided by You or where You shall during the Grace Period either fail to take delivery of the physical
Precious Metal in question for any reason whosoever (including where You shall not have provided
any address to take delivery of such physical Precious Metal); or provide the details for a valid bank
account into which the proceeds of any sale of such Customer Precious Metal is to be deposited; then
upon expiry of the applicable Grace Period for the Customer Precious Metal in question, JarGold shall
be entitled to purchase such Customer Precious Metal with the purchase price being the applicable
prevailing price displayed on the Platform for purchase of Precious Metal from Customers.
The purchase proceeds realized from such sale of Precious Metal on the Platform (“Final Sale
Proceeds”) after deducting any amounts payable to JarGold as storage charges after the free storage
period, shall be deposited into a bank account operated by the Administrator who shall be the sole
signatory to such bank account. In the event that You shall during a period of 3 (three) years
commencing from the date of expiry of the applicable Grace Period (such period being the “Final
Claim Period”) notify either the Platform, JarGold and/or the Administrator that You are claiming the
applicable Final Sale Proceeds, the Administrator shall issue suitable instructions to transfer the Final
Sale Proceeds to such bank account as You shall notify for this purpose. Please note that to claim the
Final Sale Proceeds You will be required to provide details of a valid bank account and that the Final
Sale Proceeds will not be transferred in the absence of such details. At no time will the Final Sale
Proceeds be paid to You in cash. In the event that You shall not claim Your Final Sale Proceeds within
the Final Claim Period, then the Final Sale Proceeds shall be transferred to the Prime Minister’s Relief
Fund or such other fund as You may designate for this purpose at any time prior to the expiry of the
Grace Period.
7. RETURN AND CANCELLATION POLICY
On use of any coupon or discounts, as made available by us on the Platform or any other website or
platform of any authorised third party, for purchase of Precious Metal, the same shall be verified and
adjusted, as may be necessary, within 7 (seven) days of use of such coupon or discount.

Upon confirmation of the payment, You shall be permitted to withdraw the monies after 24 (twenty-
four) hours of making such purchase, and there is no minimum lock-in period.
Once the payment has been confirmed, the same shall be binding on You and cannot be cancelled.
You can also pause their roundup detection and savings for a defined period of time. You can find the
option of pausing Your saving for 10 (ten) days to 1 (one) month in the settings of the mobile
application.
8. REFUND POLICY
Please note, once an order for purchase or sale has been confirmed by You, refunds or cancellation is
not possible. All orders are final upon Your confirmation.
You can email us at voc@changejar.in. We assure you that your request will be addressed on priority.

9. YOUR OBLIGATIONS AND RESPONSIBILITIES
While accessing our Platform, You shall comply with these Terms and Conditions and the special
warnings or instructions for access or use posted on the Platform from time to time.
You shall not make any change or alteration to the Platform or any Content or Services that may
appear on this Platform or on JarGold and shall not impair in any way the integrity or operation of the
Platform.
You shall always act in accordance with extant laws, customs and in good faith
You further represent and warrant that:
Payment for purchase of Services is made from Your bank account (primary holder’s bank account in
case of investment account held jointly), and the same is from legitimate sources and remitted through
approved banking channels;
Before making the purchase, You shall seek independent financial planning, legal, accounting, tax or
other professional advice, if required; and
You will not sell, trade, or otherwise transfer Your registered account to another party or
impersonating any other person for the purposing of creating an account with the Platform.
You agree and acknowledge and confirm that You solely, and to the exclusion of the Company, are
liable for all liabilities that may arise on acts of omission or commission attributable to You, including
but not limited to acts such as making inputs pertaining to UPI details, phone number or email
addresses, bank account details, addresses, etc.
Without limiting the generality of any other provision of these Terms and Conditions, if you commit
any default in any of the obligations set forth in these Terms and Conditions, you shall be liable for all
the losses and damages that this may cause to the Platform, Company, our partners or licensors.

10. ‍INTELLECTUAL PROPERTY RIGHTS
The Platform and all information, content, materials, products including, but not limited to text,
content, photographs, graphics, texts, video and audio content and computer code (“Content”) on the

Platform is owned and controlled by the Company and the design, structure, selection and feel and
arrangement of the Content is protected by copyright, patent and trademark laws and other applicable
intellectual property rights either in the favour of the Company or third parties from whom the
appropriate permissions have been taken under applicable laws by the Company.
The trademarks, logos and service marks displayed on the Platform (“Marks”) are the property of the
Company and/or its Affiliates or other respective third parties, as the case may be. You are not
permitted to use the Marks without the express prior written consent of the Company or the third party
that owns the Marks, as the case may be. Further, You understand and accept that all information,
except Your personal information and other data submitted by You for the purposes of transacting on
the Platform, through the Platform shall be deemed the property of the Company, and the Company
shall be free to use any ideas, concepts, know-how or techniques provided by You on the Platform, in
any manner whatsoever. On initiating a contact or query through the Platform, You agree to be
contacted by the Company or any other entities with whom the Company has entered into an
arrangement for the provisions of Services to You.
You hereby acknowledge that the Platform Services constitute original works and have been
developed, compiled, prepared, revised, selected, and arranged by Company respectively through the
application of methods and standards of judgment developed and applied through the expenditure of
substantial time, effort, and money and constitutes valuable intellectual property of Company and
such others. You thereby agree to protect the proprietary rights of Company during and after the term
of these Terms. You may not selectively download portions of the Platform without retaining the
copyright notices. You may download material from the Platform only for the purpose intended by
these Terms.
11. LIMITATION OF LIABILITY
The Content on this Platform is for your general information and use only and does not amount to any
investment advice.
The Customer hereby assumes the sole risk of making use or relying on the information, materials and
services relating to the products available on the Platform. The Company makes no representations
about the suitability, completeness, timeliness, reliability, legality in Customer's jurisdiction, or
accuracy of the information, materials and services relating to the products described or contained in
the Platform for any purpose.
You expressly understand and agree that, to the maximum extent permitted by applicable law, the
Platform and Content are provided by the Company on an “as is” basis without any warranty of any
kind, express, implied, statutory or otherwise, including the implied warranties of title, non-
infringement, merchantability or fitness for a particular purpose. The Platform may contain errors or
inaccuracies that could cause failures, corruption or loss of data and/or information from Your device
and/or any device used by You to connect to the Platform as well as from peripherals (including,
without limitation, servers and computers) connected to any of the above-mentioned devices. You
assume all risks and costs associated with Your use of the Platform and accessing the Platform
Services and Services, including without limitation, any costs incurred for the use of Your device and
any damage to any equipment, software or data.
Further, without limiting the foregoing, the Company makes no warranty that (i) the Platform or
Platform Services will meet Your requirements, or Your use of the Platform will be uninterrupted,
timely, secure or error-free; (ii) the results obtained from the use of the Platform will be effective,

accurate or reliable; (iii) any errors or defects in the Platform will be corrected by the Company. No
advice or information, whether oral or written, obtained by You from the Company shall create any
warranty not expressly stated in these Terms and Conditions.
The Company will have no liability related to any user Content arising under intellectual property
rights, libel, privacy, publicity, obscenity or other applicable laws. The Company will not incur any
liability with respect to the misuse, loss, modification or unavailability of any user Content.
The Company shall not be responsible for the delay or inability to use the Platform or related
functionalities, the provision of or failure to provide functionalities, or for any information, software,
functionalities and related graphics obtained through the Platform, or otherwise arising out of the use
of the Platform, whether based on contract, tort, negligence, strict liability or otherwise.
Further, the Company shall not be held responsible for non-availability of the Platform during
periodic maintenance operations or any unplanned suspension of access to the Platform that may
occur due to technical reasons or for any reason beyond the Company’s control. You understand and
agree that any material or data downloaded or otherwise obtained through the Platform is done
entirely at Your own discretion and risk, and that You will be solely responsible for any damage to
Your computer systems or loss of data that results from the download of such material or data.
You acknowledge that the software and hardware underlying the Platform as well as other software
which are required for accessing the Platform are the legal property of the respective vendors. The
permission given by the Company to access the Platform will not convey any proprietary or
ownership rights in the above software/hardware to You.
You agree and acknowledge that you are not registered under the Goods and Services Tax Act, 2017. ‍‍
12. INDEMNITY
You agree to indemnify the Company, its Affiliates, their respective directors, officers and employees
from any losses, damages, penalties, claims, costs and demands (including reasonable attorney fees
and legal costs) arising out of breach or non-performance and/or non-observance of the duties and
obligations, representations, warranties and covenants under the Terms and Conditions or due to Your
acts or omissions. You further agree to hold the Company its Affiliates, their respective directors,
officers and employees harmless against any claims made by any third party due to, or arising out of,
or in connection with, Your use of the Platform, any misrepresentation with respect to the data or
information provided by You, Your violation of the Terms and Conditions, or Your violation of any
rights of another, including any intellectual property rights. In no event shall the Company, its
Affiliates, their respective directors, officers, partners, consultants, agents and employees, be liable to
You or any third party for any special, incidental, indirect, consequential or punitive damages
whatsoever, arising out of or in connection with Your use of or access to the Platform or Content on
the Platform.

‍The Company does not guarantee any returns on any transaction consummated with respect to the
Platform Services to You, either directly or indirectly. You shall be solely responsible for undertaking
appropriate and effective due diligence and related analysis before undertaking any transactions
pursuant to these Terms and Conditions. You further acknowledge and agree that the Company and
their respective officers, directors, employees, agents and Affiliates will have no liability for Your
purchase or other decisions using the Platform.

13. LIMITATION IN PLATFORM SERVICES
Please note that the Services are not available in all geographical areas and depending on Your
location, You may not be eligible to avail certain Platform Services offered by the Company. The
Company reserve the absolute right to determine the availability and eligibility for any of the Platform
Service offered on the Platform.

14. THIRD PARTY LINKS
The Company is not responsible for the availability of the services on third party sites linked from the
Platform and the Company urges You to read the terms of use of the respective third-party sites,
before accessing or registering with any of such third-party sites. Further, the Company does not make
any warranties and expressly disclaims all warranties express or implied, including without limitation,
those of merchantability and fitness for a particular purpose, title or non-infringement with respect to
any information or services or products that are available or advertised or sold through these third-
party websites.

15. FORCE MAJEURE
The Company shall not be liable for failure or error of any transaction on the Platform or for any
failure on part of the Company to perform any of its obligations under these Terms and Conditions if
performance is prevented, hindered or delayed by a Force Majeure event (as defined below) and in
such case its obligations under these Terms and Conditions shall be suspended for so long as the Force
Majeure event continues. The term “Force Majeure Event” means any event which occurred and is
beyond the control of the Company, including without limitations, unavailability of any
communication systems, breach, or virus in the processes or payment or delivery mechanism,
sabotage, fire, flood, explosion, acts of god, civil commotion, pandemic, epidemic, strikes or
industrial action of any kind, riots, insurrection, war, acts of government, computer hacking,
unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the
computer terminal or the systems getting affected by any malicious, destructive or corrupting code or
program, mechanical or technical errors/failures or power shut down, faults or failures in
telecommunication etc.

‍The Company shall be discharged from such performance to the extent of and during the period of
such Force Majeure Event, and such non-performance of its obligations shall, in no event whatsoever,
amount of a breach of its obligations.

16. SUSPENSION AND TERMINATION
The Terms and Conditions will continue to apply until terminated by either You or the Company for
reasons set forth below. If You object to the Terms and Conditions or are dissatisfied with the
Platform and/or the Services, Your only recourse is to (i) close Your registered account on the
Platform; and/or (ii) stop accessing the Platform. In case you violate these Terms and Conditions

and/or any applicable law, the Company may, at any time and in its sole discretion, terminate Your
Account and/or prevent You from accessing the Platform and the Platform Services. The Company
may delist You or block Your future access to the Platform or suspend or terminate your registered
account if it believes, in its sole and absolute discretion that You have infringed, breached, violated,
abused, or unethically manipulated or exploited any term of these Terms and Conditions.

‍Notwithstanding anything in this clause, these Terms and Conditions will survive indefinitely unless
and until the Company or JarGold chooses to terminate or modify them. If You or the Company
terminate Your use of the Platform, the Company may delete any content or other materials relating to
Your and the Company shall have no liability to You or any third party for doing so. However, Your
transactions details may be preserved by the Company for purposes of tax or regulatory compliance.
The Company may modify or amend these Terms and Conditions at any time. ‍

17. GOVERNING LAWS
The Terms of Use shall be governed and construed in accordance with the laws of India without
reference to conflict of laws principles.

18. DISPUTES
With respect to any dispute regarding the Platform, all rights and obligations and all actions
contemplated by these Terms and Conditions shall be governed by the laws of India and subject to this
Clause 18, the courts at Bangalore, India shall have exclusive jurisdiction to deal with such disputes.
To the fullest extent permitted by applicable law, any dispute, differences or claim arising out of your
visit to this Platform or availing the Services, including Platform Services, shall be referred to and
finally resolved by mediation and in accordance with the dispute resolution provisions under Indian
Consumer Protection Act, 2019. Please review our other policies, including privacy policy (accessed
at https://www.myjar.app/privacy-policy), posted on the Platform. The aforementioned policies also
govern your visit to the Platform. The Company reserves the right to modify the Platform and/or alter
these Terms and Conditions and/or Policies at any time and retains the right to deny access at any time
including the termination of membership and deletion of the account, to anyone who the Company
believes has violated the provisions of the Terms and Conditions.

You are advised that any amendment to the Terms and Conditions incorporated herein by reference
will only be notified on the Platform on publicly accessible links and You agree by accessing,
browsing or using the Platform that such publication shall immediately constitute sufficient notice for
all purposes against You. The revised version/ terms shall be effective from the time that the Company
publishes the same on the Platform.

‍

19. COMMUNICATIONS
You hereby expressly agree to receive communication (including transactional messages) or by way
of SMS and/or e-mail or through WhatsApp from the Company or any third party in connection with

the Platform Services or Your registration on the Platform. You can unsubscribe/ opt-out from
receiving communications through e-mail anytime by writing to info@changejar.in

‍

20. GRIEVANCES
We are committed to resolving all disputes in a fair, effective and cost-efficient manner. We seek to
resolve any User concerns through our Grievance cell.
All Grievances related to the use of Platform shall be addressed to Mr. Pankaj Parihar (Grievance
Officer). Please write us on grievance-officer@changejar.in. The Grievance Officer will get back to
the User within 48 hours of the receipt of any complaint from You.
Every grievance will be provided with a complaint or ticket number which can used to track the status
of the grievance. Redressal or closure of a grievance might take approximately one month from the
date of receipt of complaint.
However, if you are dissatisfied with our grievance redressal mechanism, the dispute will be resolved
through mediation in accordance with Consumer Protection Act, 2019 and as provided in Clause 17
hereinabove.

‍
21. CONFIDENTIALITY
All communications between the You and the Company and all confidential information given to or
received by You from the Company, and all information concerning the business transactions of the
Company with any entity or person with whom it may or may not have a confidentiality obligation
with regard to the matter in question, shall be kept confidential by You (whether or not such
information or data has been marked as confidential) unless specifically permitted to the contrary in
writing to the Company.

This confidentiality obligation shall survive the termination of these T&Cs with and the User account
of the concerned User.

22. GENERAL PROVISIONS
Notice: All notices from the Company will be served by email to Your registered email address or by
general notification on the Platform. Any notice provided to the Company pursuant to the Terms and
Conditions should be sent to info@changejar.in.
Assignment: You cannot assign or otherwise transfer the Terms and Conditions, or any rights granted
hereunder to any third party. The Company’s rights under the Terms and Conditions are freely
transferable by the Company to any third party without Your consent.
Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Terms and
Conditions, or any portion thereof, to be unenforceable, that provision shall be enforced to the
maximum extent permissible so as to give effect to the intent of the parties as reflected by that
provision, and the remainder of the Terms and Condition shall continue in full force and effect.

Waiver: Any failure by the Company to enforce or exercise any provision of the Terms and
Conditions, or any related right, shall not constitute a waiver by the Company of that provision or
right.
‍

IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE TERMS AND
CONDITIONS OF SAFE GOLD (AS AVAILABLE AT https://www.safegold.com/terms-and-
conditions), YOU MAY NOT USE THE PLATFORM AND SHOULD NOT PROCEED TO
CREATE ANY ACCOUNTS OR ACQUIRE ANY SUBSCRIPTIONS TO THE PLATFORM. BY
USING THE PLATFORM, YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND
CONDITIONS, INCLUDING ALL AMENDMENTS MADE HERETO FROM TIME TO TIME.

This is an electronic record in terms of the Information Technology Act, 2022 and the rules made
thereunder, and does not require any physical or digital signatures. This is being published in
accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.

The Platform is an online portal that facilitates the Users to purchase/sale/transfer gold in digital form
from a brand named ‘Safe Gold’ (“Gold”) operated and managed by Digital Gold India Private
Limited (“Safe Gold”), a company incorporated under the laws of India with corporate identification
number U74999MH2017PTC293205, and Safe Gold provides for purchase and sale of Gold, and
providing services of safe keeping, vaulting, delivery and fulfilment of gold and related services
(“Services”).

YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY IS ONLY A DISTRIBUTOR
THAT FACILITATES USERS TO BUY GOLD FROM SAFE GOLD. YOU UNDERSTAND THAT
BY REGISTERING TO THE PLATFORM AND/OR ACCESSING SERVICES DIRECTLY OR
INDIRECTLY FROM THE PLATFORM, YOU ONLY RECEIVE THE ABILITY TO USE THE
PLATFORM FOR PURCHASE OF GOLD FROM SAFE GOLD OR SUCH OTHER PRODUCTS
OFFERED BY US FROM TIME TO TIME. WE SHALL NOT INCUR ANY LIABILITY IN
RELATION TO ANY DISPUTE RELATING THAT ARISES IN RELATION TO PURCHASE OF
GOLD OR SERVICES OFFERED BY SAFE GOLD. YOU EXPRESSLY AGREE THAT WE ARE
NOT RESPONSIBLE FOR CUSTODY, QUANTITY AND QUALITY OF PHYSICAL GOLD
THAT YOU PURCHASE THROUGH THE PLATFORM AND HENCE WE SHALL NOT BE
LIABLE IN CASE OF ANY DISPUTE THAT ARISES IN RELATION TO CUSTODY OF
PHYSICAL GOLD WITH THE CUSTODIAN AND TRUSTEESHIP WITH THE TRUSTEE
ADMINISTRATOR.

You understand that the Gold is being offered for purchase by Safe Gold, and the User can also sell
the Gold through Safe Gold. As per the terms and conditions of Safe Gold (available at
https://www.safegold.com/terms-and-conditions), the Gold purchased by You will be accounted in a
customer account maintained by Safe Gold and the corresponding quantity of gold in physical form
will be storied with Brinks India Private Limited (“Custodian”). In order to safeguard Your interest,
Safe Gold has also appointed a trustee (“Trustee Administrator”), and You agree to the appointment of
such Trustee Administrator and the Custodian, and also accede to the terms for such arrangement with
the Trustee Administrator (being the Trustee Administrator agreement). The Trustee Administrator
shall be responsible for monitoring the physical gold held on Your behalf with the Custodian.

‍

Please read these Terms and Conditions and privacy policy (available at
https://www.myjar.app/privacy-policy) carefully before registering on the Platform or accessing any
material and/or information through the Platform. The Company retains an unconditional right to
modify or amend this Terms and Conditions without any requirement to notify You of the same. You
can determine when this Terms and Conditions was last modified by referring to the ‘Last Updated’
legend above. It shall be Your responsibility to check this Terms and Conditions periodically for
changes. Your continued use of the Platform shall indicate an acceptance of the amended Terms and
Conditions, and shall signify Your consent to the changes to the Terms and Conditions and the
intention to be legally bound by the amended Terms and Conditions.

‍

Before using our Services and before buying the Gold, Users are also recommended to read the terms
of services and privacy policy of Digital Gold India Private Limited which can be accessed at
https://www.safegold.com/terms-and-conditions. In case of any conflict between this Terms and the
terms of Safe Gold, the terms of Safe Gold in relation to the purchase and/or sale of Gold shall
prevail. It is also clarified that these Terms and Conditions and the terms and conditions of Safe Gold
apply to You once you avail of the Services and purchase Gold.

‍

By using the Services, you acknowledge that Company is not responsible for the quality of physical
gold being offered and sold by Digital Gold India Private Limited and that any disputes in relation to
the quality of physical gold shall be raised directly by You to Digital Gold India Private Limited.

‍

ELIGIBILITY
By using the Services, you represent and warrant that you are above the 18 years of age and qualified
to enter into a legally binding contract, enforceable under Indian law, including the Indian Contract
Act, 1872. If you are not eligible to enter into any contract, then please discontinue use of the
Platform and leave now. If you are the parent or guardian of a child under 18 years of age, by
registering/by creating an account or profile on the Platform, you provide your consent to your child’s
registration and you agree to be bound by these Terms and Conditions in respect of their use of our
Platform. We will at all times assume (and by using this Platform you warrant that) you have the legal
ability to purchase and sale Gold and otherwise use this Platform, and capable of being bound by

these Terms and Conditions. Further, by using the Platform, You confirm that you are not registered
under any applicable Goods and Services Tax Act, 2017 and that if, in the course of your relationship
with our Platform and/or Safe Gold, you become registered under the applicable Goods and Services
Tax Act, 2017, you shall inform Safe Gold of your change in status immediately, and no later than 24
hours of such change, and provide any relevant information and documents, as may be requested by
Safe Gold. The Company shall not be liable for any actions that may be undertaken by Safe Gold
pursuant to change of Your status on registration under the applicable Goods and Services Tax Act,
2017. If necessary, You shall seek independent tax advice, and these Terms and Conditions do not
constitute any tax advice to You.

‍

REGISTRATION
The Services are available to only those who have subscribed to the Platform by registering and
creating account with Us. You can register to the Platform by providing your personal information
including name, age, gender and registered mobile number. The registration will be validated by
sending one time password (OTP) to registered mobile number.
We may also ask You for certain financial information, including Your billing address, bank account
details, credit card number, expiration date and/or other payment related details or other payment
method data, and debit instructions or other standing instructions to process payments for the Platform
Services (as defined below). The Company may also ask You to provide certain additional
information about Yourself on a case-to-case basis.
If there is any change in the account information, You shall promptly update Your account
information on the Platform. If You provide any information that is untrue, inaccurate, not current or
incomplete (or becomes untrue, inaccurate, not current or incomplete), or if the Company has
reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete,
the Company has the right to suspend or terminate Your Account and refuse any and all current or
future use of the Platform (or any portion thereof) at its sole and absolute discretion, in addition to any
right that the Company may have against You at law or in equity, for any misrepresentation of
information provided by You.
By registering on the Platform, you agree to (a) provide correct details when prompted on the
Platform and failure to do so may invalidate your request to use Services; (b) authorise the Platform
and the Company to retain the information shared by You for the purpose of using the Platform and/or
accessing the Services and for any marketing campaign undertaken by the Company and/or third-
party service providers; and (c) by giving Your details, You agree to abide by the Terms and
Conditions and the privacy policy. Also, by registering, you agree that you will not allow others to use
Your account and that you are fully responsible for all activities that occur under Your username. We
may assume that any communications we receive under Your account have been made by You.
By providing such personal information, You consent to receive all information, communication and
instructions relating to the Platform, the Services offered by the Platform and/or third-party service
providers, and for availing special offers and promotional benefits. You shall solely be responsible for
the appropriate use of the same. You shall immediately notify the Company of any unauthorized use /

breach of your password or account and ensure that You exit from Your account at the end of each
session. The Company reserves the right to refuse service, terminate accounts, remove or edit content,
or cancel orders in their sole and absolute discretion. The Company cannot and will not be liable for
any loss or damage arising from Your failure to comply with these Terms and Conditions. You may be
held liable for losses incurred by the Company or any other user of or visitor to the Platform due to
authorized or unauthorized use of Your Account as a result of Your failure in keeping Your Account
information secure and confidential.
‍

PLATFORM SERVICES
By registering on the Platform, You are allowed to purchase Gold pursuant to the collaboration
between the Company and Safe Gold. The Company hereby grants You, a limited, non-exclusive,
non-transferable, royalty free license to use the Platform for the purposes of availing the Services. The
services offered on the Platform shall include, but is not limited to the following: (a) facilitating
buying and selling of Gold; and (b) maintaining a record of Your personal information and financial
transactions in a secure and confidential manner;. Upon no User transaction being detected, Our
system intelligently updates the User ledger to meet the User’s savings goal of up to Rs. 10 per day
(“Platform Services”).
However, before placing the order and availing the Services, the User may be required to provide
certain KYC documentation and other information as may be required by Safe Gold in such form and
manner as it may deem fit. This information may be requested from You at the time of registration, or
at a later stage, including the following events, to prevent fraudulent activities:
You withdraw your purchase of Gold;
You wish to convert Your winnings on the Platform to purchase Gold; and/or
You wish to get Your Customer Gold delivered to Your doorstep.
The KYC verification shall be undertaken based on the PAN Card issued to You. You shall upload a
clear picture of your PAN Card except in cases where e-PAN is provided by You. We shall verify Your
details from the database of the issuing authority, including through Digilocker. If You do not have a
PAN Card, you may submit Form 60 to Us.

It is hereby clarified that any Services offered (purchase, sale or transfer of Gold on Safe Gold’s
platform) are governed under specific terms and conditions of Safe Gold, operated and managed by
Gold India Private Limited which can be accessed at https://www.safegold.com/terms-and-conditions.
It is also clarified that the Company is merely providing a platform to its Users to facilitate the
transaction of sale and investment of Gold and will not be liable in any manner with respect to the
products and/or services offered to You by Safe Gold. You hereby agree and acknowledge that the
data and information provided on the Platform does not constitute advice of any nature whatsoever
and shall not be relied upon by You while making investment decisions and You shall be solely
responsible for any investment decisions and for the purchase of any Gold on the Platform. In no
event shall the Company be liable to You for any loss or damage that may cause or arise from or in
relation to these Terms and Conditions and/or due to use of this Platform or due to investments made

using this Platform. As part of the Platform Services provided to You, on availing such services, You
agree to provide honest feedback/review about the concerned Platform Service, if required or
requested by the Company from time to time.
Use of the Platform and availing the Services: You acknowledge that the Services are for Your
personal use and agree not to publish the Gold prices or descriptions of Gold and/or any other
information displayed on the Platform (in lieu of Your access to the Platform) on any other medium.
You agree to use the Platform only: (a) for purposes that are permitted by the Terms and Conditions;
and (b) in accordance with any applicable law, regulation or generally accepted practices or
guidelines.
You agree that You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display,
perform, modify, alter, transmit, license, create derivatives from, transfer or in any way exploit any
part of any information, content, materials, services available from or through the Platform, except
that You may download the Platform for Your own personal, internal and non-commercial use. You
agree that You will not use the Platform in any manner or engage in any activity that may damage,
disable or impair or adversely affect the use of the Platform or interfere with any other users’ use,
legal rights, or enjoyment of the Platform. Further, You agree not to remove any text, copyright or
other proprietary notices contained in the content downloaded from the Platform.
Further, while using the Platform, You undertake not to:
defame, abuse, harass, threaten or otherwise violate the legal rights of others;
publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing,
obscene, indecent or unlawful topic, name, material or information;
copy, republish, post, display, translate, transmit, reproduce or distribute any content on the Platform
through any medium without obtaining the necessary authorization from the Company in writing;
conduct or forward surveys, contests, pyramid schemes or chain letters;
upload or distribute files that contain software or other material protected by applicable intellectual
property laws unless You own or control the rights thereto or have received all necessary consents;
upload or distribute files that contain viruses, corrupted files, or any other similar software or
programs that may damage the operation of the Platform or another’s computer;
engage in any activity that interferes with or disrupts access to the Platform (or the servers and
networks which are connected to the Platform);
attempt to gain unauthorized access to any portion or feature of the Platform, any other systems or
networks connected to the Platform, to any of the Company’s server, or through the Platform, by
hacking, password mining or any other illegitimate means;
probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor
breach the security or authentication measures on the Platform or any network connected to the
Platform.
reverse look-up, trace or seek to trace any information on any other user, of or visitor to, the Platform,
to its source, or exploit the Platform or information made available or offered by or through the
Platform, in any way whether or not the purpose is to reveal any information, including but not

limited to personal identification information, other than Your own information, as provided on the
Platform;
disrupt or interfere with the security of, or otherwise cause harm to, the Platform, systems resources,
accounts, passwords, servers or networks connected to or accessible through the Platform or any
affiliated or linked sites;
collect or store data about other users in connection with the prohibited conduct and activities;
use any device or software to interfere or attempt to interfere with the proper working of the Platform
or any transaction being conducted on the Platform, or with any other person’s use of the Platform;
use the Platform or any material or content for any purpose that is unlawful or prohibited by these
Terms and Conditions, or to solicit the performance of any illegal activity or other activity which
infringes the rights of the Company or other third parties;
falsify or delete any author attributions, legal or other proper notices or proprietary designations or
labels of the origin or source of software or other material contained in a file that is uploaded;
violate any applicable laws or regulations for the time being in force within or outside India or
anyone’s right to privacy or personality;
violate the Terms and Conditions contained herein or terms and conditions provided elsewhere; and
reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license,
create derivative works from, transfer, or sell any information or software obtained from the Platform.
‍

PLACING OF ORDER
You can purchase Gold on the Platform on a pre-payment basis i.e., once you place the order and
confirms the transaction for purchase of Gold, and agree to the Terms and Conditions (“Customer
Order”), the Platform will notify Safe Gold.
Once the payments are received by Safe Gold and the KYC information is found acceptable, Safe
Gold shall issue an invoice to You confirming the Customer Order placed within a period of 3 (three)
business days of placing such order, in a manner it may deem fit. Notwithstanding anything to the
contrary contained in these Terms and Conditions, Company and/or Safe Gold shall be entitled to
accept or reject the User, for any reason whatsoever, at its sole and exclusive discretion.
Once the Customer Order is placed, You are not entitled to cancel such a Customer Order, provided
however that such Customer Order shall stand cancelled if the payment fails for any reason
whatsoever. The Platform and/or Safe Gold reserves the right to cancel the Customer Order, at its sole
discretion, if Your information, provided prior to placing the Customer Order, is not found acceptable
and the Platform and/or Safe Gold are of the opinion that You are not eligible to purchase Gold from
Safe Gold.
In case of rejection of any of Your Customer Order, where payments have been received by the /Safe
Gold, such payments shall be returned to You in accordance with these Terms and Conditions or the
terms and conditions of Safe Gold, as applicable.

The quantity of Gold purchased by You shall be stored with the Custodian in a vault on Your behalf.
You hereby authorize Safe Gold to store such physical gold products purchased by You pursuant to
the Customer Order, including, but not limited to, bullion, coins or jewellery (as the case may be) in
the secured vault maintained by the Custodian on Your behalf (“Customer Gold”). It is hereby
clarified that Your purchase of the physical gold corresponding to the Your Customer Order shall be
deemed to be completed and title in relation thereto shall be deemed to have been passed to You upon
such relevant portion of the Customer Gold being stored in the vault with the Custodian on Your
behalf in accordance with the terms and conditions of Safe Gold, subject to applicable laws.
You will be provided with free storage for your Customer Gold for 5 years, or for such period as more
particularly stipulated by Safe Gold in this regard from time to time at its sole discretion and notified
to Customers on the Platform (“Free Storage Period”). After the expiry of the Free Storage Period,
Safe Gold shall be entitled to levy storage charges for such Customer Gold at such rate as would be
specified on the Platform, and which may be revised from time to time. The charges would be levied
by deducting the gold balance at the end of each month by a percentage amount at the specified rate.
You are advised to periodically check the Platform to understand these storage charges. In the event,
Safe Gold is not able to deduct the storage charges because Your gold balance is too low, then Safe
Gold shall be entitled to sell such portion of Your Customer Gold stored with the Custodian that is
necessary or required to recover the unpaid storage charges in question.
To ensure that the Customer Gold stored in such vault is adequately protected, necessary insurance
policy/ies has been obtained by the Custodian, with the cost of the insurance and the insurance premia
is borne by the Custodian. Pursuant to such insurance policy/ies, for any loss or damage to the
Customer Gold stored in the vault, You authorize the Trustee Administrator to act as Your beneficiary
under the insurance policy/ies and to take all steps necessary to protect Your interests.
While the Custodian has taken the necessary insurance policy/ies, in case of occurrence of an event
not covered in such insurance policy/ies, the Customer Gold may be at risk. The insurance policy/ies
obtained by the Custodian are in line with the global industry practices and cover losses due to fire,
lightning, theft, cyclone, earthquake, flood, etc. but do not cover losses due to events such as war,
revolution, derelict weapons of war, nuclear radiation, etc.
In the event of any expenses or charges remaining payable to the Custodian, the Trustee Administrator
or such other person appointed by Safe Gold as an intermediary, or otherwise till actual delivery or
fulfilment of any of Your Customer Orders for any reason, including where Safe Gold is unable to
service such requests due to any event of default, thereby adversely effecting or jeopardizing the
fulfilment of Your Customer Orders, then the Trustee Administrator will be entitled to sell part of the
Customer Gold and satisfy such outstanding expenses or charges as required in accordance with these
Terms and Conditions read with the Trustee Administrator agreement. The sums due to You and/or
gold to be delivered (as the case may be), after settling the aforementioned charges, would be dealt
with in accordance with these Terms and Conditions read with the Trustee Administrator agreement.
‍

PRICING AND PAYMENT POLICY
Except where noted otherwise, the price displayed on the Platform, represents the market linked price
of Gold as indicated by Safe Gold. Market linked prices means that these quotes are linked to the
prices of gold in the commercial bullion market in India. However, it does not indicate that the gold

prices displayed on the Platform will always be same as that of the prevalent prices displayed in other
commercial bullion market. As a purchaser, it is your responsibility to compare the prices and take
appropriate decisions after adequate diligence
Notwithstanding the foregoing, you understand that these prices may vary multiple times within a day,
and accordingly Your payment obligations for any Customer Order will depend on the prices
displayed at the relevant time.
Payment policy: Payment will be accepted through the payment options made available on the
Platform, which may include redirection to a payment gateways and aggregators hosted by third-party
website or applications including UPI payments like Phone Pe – https://www.phonepe.com/, Paytm –
https://paytm.com/. At the time of purchase, fulfilment sale and/or transfer of Gold, the relevant taxes
will be chargeable as applicable as per the Government regulations.
However, please note that the payment terms, delivery, warranty and cancellation and refund policy
are subject to the terms and conditions of Safe Gold which can be accessed at
https://www.safegold.com/terms-and-conditions.
The transactions on the Platform with will be completed only after successful transfer of money to
Safe Gold’s bank account, either from Your registered bank account or from the escrow account
maintained by the Company. Please note that the corresponding gold quantity will be credited to Your
Account maintained with Safe Gold, within 5 (five) business days from the date of successful transfer
of such amount. Please look at Safe Gold Terms and conditions accessed at
https://www.safegold.com/terms-and-conditions and understand fully the terms of custodian and
trusteeship arrangement before making the investment.
Any rewards ("Rewards") displayed from time to time on the Platform, including the Reward
structure and disbursal of any and all Reward amounts, are subject to change at any time in
accordance with Company policy. The Company reserves the right to revoke, withdraw, or modify
any Rewards at any time and at its sole discretion. Unclaimed Rewards shall expire after 90 days from
the date of credit of such Rewards.
‍

DELIVERY OF GOLD
For the purposes of making delivery to You, You are required to provide a valid address and/or any
other documents/information/ biometric identification that may be specified in this regard by
Company and Safe Gold on the Platform from time to time.
You are required to take delivery of Your Customer Gold within such maximum period as shall be
specified for this purpose by Safe Gold from time to time on the Platform (“Maximum Storage
Period”).
In the event that no valid address has been provided by You during the Maximum Storage Period, then
Platform and/ Safe Gold shall for a period 1 (one) year commencing from the date of expiry of
Maximum Storage Period (such period being the “Grace Period”) attempt at least once to contact You
using the contact information provided by You to obtain either (i) an address to which You would
require the gold in question to be delivered or (ii) Your bank account details into which sale proceeds
of the Customer Gold shall be deposited. In the event that Platform and/or Safe Gold has not been

able to contact You during the applicable Grace Period using the contact information provided by You
or where You shall during the Grace Period either fail to take delivery of the physical gold in question
for any reason whosoever (including where You shall not have provided any address to take delivery
of such physical gold); or provide the details for a valid bank account into which the proceeds of any
sale of such Customer Gold is to be deposited; then upon expiry of the applicable Grace Period for
the Customer Gold in question, Safe Gold shall be entitled to purchase such Customer Gold with the
purchase price being the applicable prevailing price displayed on the Platform for purchase of Gold
from Customers.
The purchase proceeds realized from such sale of Gold on Safe Gold’s platform (“Final Sale
Proceeds”) after deducting any amounts payable to Safe Gold as storage charges after the free storage
period, shall be deposited into a bank account operated by the Trustee Administrator who shall be the
sole signatory to such bank account. In the event that You shall during a period of 3 (three) years
commencing from the date of expiry of the applicable Grace Period (such period being the “Final
Claim Period”) notify either the Platform, Safe Gold and/or the Trustee Administrator that You are
claiming the applicable Final Sale Proceeds, the Trustee Administrator shall issue suitable instructions
to transfer the Final Sale Proceeds to such bank account as You shall notify for this purpose. Please
note that to claim the Final Sale Proceeds You will be required to provide details of a valid bank
account and that the Final Sale Proceeds will not be transferred in the absence of such details. At no
time will the Final Sale Proceeds be paid to You in cash. In the event that You shall not claim Your
Final Sale Proceeds within the Final Claim Period, then the Final Sale Proceeds shall be transferred to
the Prime Minister’s Relief Fund or such other fund as You may designate for this purpose at any time
prior to the expiry of the Grace Period.
‍

RETURN AND CANCELLATION POLICY
On use of any coupon or discounts, as made available by us on the Platform or any other website or
platform of any authorised third party, for purchase of Gold, the same shall be verified and adjusted,
as may be necessary, within 7 (seven) days of use of such coupon or discount.
Upon confirmation of the payment, You shall be permitted to withdraw the monies after 24 (twenty-
four) hours of investment, and there is no minimum lock-in period.
Once the payment has been confirmed, the same shall be binding on You and cannot be cancelled.
You can opt out of auto investing on the Platform by undertaking the following actions:
Tap on 'Locker' in the bottom right corner on the mobile application.
Go to 'Settings' by tapping on the icon on the top right corner on the mobile application.
Scroll down and find ‘AutoPay’ under transactions and withdrawals on the mobile application.
Disable AutoPay by tapping on the toggle on the mobile application.
You can also pause their roundup detection and savings for a defined period of time. You can find the
option of pausing Your saving for 10 (ten) days to 1 (one) month in the settings of the mobile
application.
‍

REFUND POLICY
Please note, once an order for purchase or sale has been confirmed by the customer, refunds or
cancellation is not possible. All orders are final upon customer confirmation

Deliveries are made only to the registered address of the customer. Please keep proof of identity ready
at the time of delivery as it may be required for verification by the courier partner. If no one is
available at the registered address to take delivery, delivery will be attempted at least once more after
which the package will be returned to the vault and the customer's balance will be credited back with
the corresponding grams of gold. Shipping charges will be payable again as and when the customer
asks for delivery.

Customers are required to verify that the package they are accepting has not been tampered with and
is of acceptable quality. Once delivery has been taken by the customer, returns and refunds are not
possible. All of our products are 100% certified and there should never be any problems with quality.
In the unlikely event of any issues, feel free to contact us, we will investigate the matter to resolve any
concerns or issues.

You can email us at voc@changejar.in. We assure you that your request will be addressed on priority.

‍

9. YOUR OBLIGATIONS AND RESPONSIBILITIES

While accessing our Platform, You shall comply with these Terms and Conditions and the special
warnings or instructions for access or use posted on the Platform from time to time.
You shall not make any change or alteration to the Platform or any Content or Services that may
appear on this Platform or on Safe Gold and shall not impair in any way the integrity or operation of
the Platform.
You shall always act in accordance with extant laws, customs and in good faith.
You further represent and warrant that:
Payment for purchase of Services is made from Your bank account (primary holder’s bank account in
case of Investment Account held jointly), and the same is from legitimate sources and remitted
through approved banking channels;
Before making the investment purchase, You shall seek independent financial planning, legal,
accounting, tax or other professional advice, if required;

You have read the offer documents of Safe Gold (including its terms and conditions accessed at
https://www.safegold.com/terms-and-conditions) and its schemes and have made an informed
independent investment decision before investing; and
You will not sell, trade, or otherwise transfer Your registered account to another party or
impersonating any other person for the purposing of creating an account with the Platform.
You agree and acknowledge and confirm that You solely, and to the exclusion of the Company, are
liable for all liabilities that may arise on acts of omission or commission attributable to You, including
but not limited to acts such as making inputs pertaining to UPI details, phone number or email
addresses, bank account details, addresses, etc.
Without limiting the generality of any other provision of these Terms and Conditions, if you commit
any default in any of the obligations set forth in these Terms and Conditions, you shall be liable for all
the losses and damages that this may cause to the Platform, Company, our partners or licensors.
‍

10. INTELLECTUAL PROPERTY RIGHTS

The Platform and all information, content, materials, products including, but not limited to text,
content, photographs, graphics, texts, video and audio content and computer code (“Content”) on the
Platform is owned and controlled by the Company and the design, structure, selection and feel and
arrangement of the Content is protected by copyright, patent and trademark laws and other applicable
intellectual property rights either in the favour of the Company or third parties from whom the
appropriate permissions have been taken under applicable laws by the Company.
The trademarks, logos and service marks displayed on the Platform (“Marks”) are the property of the
Company and its affiliates or other respective third parties, as the case may be. You are not permitted
to use the Marks without the express prior written consent of the Company or the third party that
owns the Marks, as the case may be. Further, You understand and accept that all information, except
Your personal information and other data submitted by You for the purposes of transacting on the
Platform, through the Platform shall be deemed the property of the Company, and the Company shall
be free to use any ideas, concepts, know-how or techniques provided by You on the Platform, in any
manner whatsoever. On initiating a contact or query through the Platform, You agree to be contacted
by the Company or any other entities with whom the Company has entered into an arrangement for
the provisions of Services to You.
‍

11. LIMITATION OF LIABILITY

The Content on this Platform is for your general information and use only and does not amount to any
investment advice.

You expressly understand and agree that, to the maximum extent permitted by applicable law, the
Platform and Content are provided by the Company on an “as is” basis without any warranty of any
kind, express, implied, statutory or otherwise, including the implied warranties of title, non-
infringement, merchantability or fitness for a particular purpose. The Platform may contain errors or
inaccuracies that could cause failures, corruption or loss of data and/or information from Your device
and/or any device used by You to connect to the Platform as well as from peripherals (including,
without limitation, servers and computers) connected to any of the above-mentioned devices. You
assume all risks and costs associated with Your use of the Platform and accessing the Platform
Services and Services, including without limitation, any costs incurred for the use of Your device and
any damage to any equipment, software or data.
Further, without limiting the foregoing, the Company makes no warranty that (i) the Platform or
Platform Services will meet Your requirements, or Your use of the Platform will be uninterrupted,
timely, secure or error-free; (ii) the results obtained from the use of the Platform will be effective,
accurate or reliable; (iii) any errors or defects in the Platform will be corrected by the Company. No
advice or information, whether oral or written, obtained by You from the Company shall create any
warranty not expressly stated in these Terms and Conditions.
The Company will have no liability related to any user Content arising under intellectual property
rights, libel, privacy, publicity, obscenity or other applicable laws. The Company will not incur any
liability with respect to the misuse, loss, modification or unavailability of any user Content.
The Company shall not be responsible for the delay or inability to use the Platform or related
functionalities, the provision of or failure to provide functionalities, or for any information, software,
functionalities and related graphics obtained through the Platform, or otherwise arising out of the use
of the Platform, whether based on contract, tort, negligence, strict liability or otherwise.
Further, the Company shall not be held responsible for non-availability of the Platform during
periodic maintenance operations or any unplanned suspension of access to the Platform that may
occur due to technical reasons or for any reason beyond the Company’s control. You understand and
agree that any material or data downloaded or otherwise obtained through the Platform is done
entirely at Your own discretion and risk, and that You will be solely responsible for any damage to
Your computer systems or loss of data that results from the download of such material or data.
You acknowledge that the software and hardware underlying the Platform as well as other software
which are required for accessing the Platform are the legal property of the respective vendors. The
permission given by the Company to access the Platform will not convey any proprietary or
ownership rights in the above software/hardware to You.
You agree and acknowledge that you are not registered under the Goods and Services Tax Act, 2017.
‍‍

12. INDEMNITY

You agree to indemnify the Company, its affiliates, their respective directors, officers and employees
from any losses, damages, penalties, claims, costs and demands (including reasonable attorney fees
and legal costs) arising out of breach or non-performance and/or non-observance of the duties and

obligations, representations, warranties and covenants under the Terms and Conditions or due to Your
acts or omissions. You further agree to hold the Company its affiliates, their respective directors,
officers and employees harmless against any claims made by any third party due to, or arising out of,
or in connection with, Your use of the Platform, any misrepresentation with respect to the data or
information provided by You, Your violation of the Terms and Conditions, or Your violation of any
rights of another, including any intellectual property rights. In no event shall the Company, its
affiliates, their respective directors, officers, partners, consultants, agents and employees, be liable to
You or any third party for any special, incidental, indirect, consequential or punitive damages
whatsoever, arising out of or in connection with Your use of or access to the Platform or Content on
the Platform.

The Company and Safe Gold do not guarantee any returns on any transaction consummated with
respect to the Services to You, either directly or indirectly. You shall be solely responsible for
undertaking appropriate and effective due diligence and related analysis before undertaking any
transactions pursuant to these Terms and Conditions. You further acknowledge and agree that the
Company, Safe Gold and their respective officers, directors, employees, agents and affiliates will have
no liability for Your purchase or other decisions using the Platform.

13. LIMITATION IN PLATFORM SERVICES
Please note that Platform Services are not available in all geographical areas and depending on Your
location, You may not be eligible to avail certain Platform Services offered by the Company. The
Company reserve the absolute right to determine the availability and eligibility for any of the Platform
Service offered on the Platform.
14. THIRD PARTY LINKS

The Company is not responsible for the availability of Content or other services on third party sites
linked from the Platform and the Company urges You to read the terms of use of the respective third-
party sites, before accessing or registering with any of such third-party sites. Further, the Company
does not make any warranties and expressly disclaims all warranties express or implied, including
without limitation, those of merchantability and fitness for a particular purpose, title or non-
infringement with respect to any information or services or products that are available or advertised or
sold through these third-party websites.

15. FORCE MAJEURE

The Company shall not be liable for failure or error of any transaction on the Platform or for any
failure on part of the Company to perform any of its obligations under these Terms and Conditions if
performance is prevented, hindered or delayed by a Force Majeure event (as defined below) and in
such case its obligations under these Terms and Conditions shall be suspended for so long as the Force
Majeure event continues. The term “Force Majeure Event” means any event which occurred and is
beyond the control of the Company, including without limitations, unavailability of any

communication systems, breach, or virus in the processes or payment or delivery mechanism,
sabotage, fire, flood, explosion, acts of god, civil commotion, pandemic, strikes or industrial action of
any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to
computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the
systems getting affected by any malicious, destructive or corrupting code or program, mechanical or
technical errors/failures or power shut down, faults or failures in telecommunication etc.

‍

The Company and Safe Gold shall be discharged from such performance to the extent of and during
the period of such Force Majeure Event, and such non-performance of its obligations shall, in no
event whatsoever, amount of a breach of its obligations.

16. SUSPENSION AND TERMINATION

The Terms and Conditions will continue to apply until terminated by either You or the Company for
reasons set forth below. If You object to the Terms and Conditions or are dissatisfied with the
Platform, Your only recourse is to (i) close Your registered account on the Platform; and/or (ii) stop
accessing the Platform. In case you violate these Terms and Conditions and/ or any applicable law, the
Company may, at any time and in its sole discretion, terminate Your Account and/or prevent You from
accessing the Platform and the Platform Services. The Company may delist You or block Your future
access to the Platform or suspend or terminate your registered account if it believes, in its sole and
absolute discretion that You have infringed, breached, violated, abused, or unethically manipulated or
exploited any term of these Terms and Conditions.

Notwithstanding anything in this clause, these Terms and Conditions will survive indefinitely unless
and until the Company chooses to terminate or modify them. If You or the Company terminate Your
use of the Platform, the Company may delete any Content or other materials relating to Your and the
Company shall have no liability to You or any third party for doing so. However, Your transactions
details may be preserved by the Company for purposes of tax or regulatory compliance. The
Company may modify or amend these Terms and Conditions at any time.
17. GOVERNING LAWS

The Terms of Use shall be governed and construed in accordance with the laws of India without
reference to conflict of laws principles.
18. DISPUTES

With respect to any dispute regarding the Platform, all rights and obligations and all actions
contemplated by these Terms and Conditions shall be governed by the laws of India and subject to this

Clause 17, the courts at Bangalore, India shall have exclusive jurisdiction to deal with such disputes.
To the fullest extent permitted by applicable law, any dispute, differences or claim arising out of your
visit to this Platform, shall be referred to and finally resolved by mediation and in accordance with the
dispute resolution provisions under Indian Consumer Protection Act, 2019. Please review our other
policies, including privacy policy (accessed at https://www.myjar.app/privacy-policy), posted on the
Platform. These policies also govern your visit to the Platform. We reserve the right to make changes
to our site, policies, and these Terms and Conditions at any time without any notice to You.

‍

19. COMMUNICATIONS

You hereby expressly agree to receive communication (including transactional messages) or by way
of SMS and/or e-mail or through WhatsApp from the Company or any third party in connection with
the Platform Services or Your registration on the Platform. You can unsubscribe/ opt-out from
receiving communications through e-mail anytime by writing to info@changejar.in.
20. GRIEVANCES

We are committed to resolving all disputes in a fair, effective and cost-efficient manner. We seek to
resolve any User concerns through our Grievance cell.

All Grievances related to the use of Platform shall be addressed to Mr. Pankaj Parihar (Grievance
Officer). Please write us on grievance-officer@changejar.in. The Grievance Officer will get back to
the User within 48 hours of the receipt of any complaint from You.

Every grievance will be provided with a complaint or ticket number which can used to track the status
of the grievance. Redressal or closure of a grievance might take approximately one month from the
date of receipt of complaint.

However, if you are dissatisfied with our grievance redressal mechanism, the dispute will be resolved
through mediation in accordance with Consumer Protection Act, 2019 and as provided in Clause 17
hereinabove.
21. GENERAL PROVISIONS

Notice: All notices from the Company will be served by email to Your registered email address or by
general notification on the Platform. Any notice provided to the Company pursuant to the Terms and
Conditions should be sent to info@changejar.in.

Assignment: You cannot assign or otherwise transfer the Terms and Conditions, or any rights granted
hereunder to any third party. The Company’s rights under the Terms and Conditions are freely
transferable by the Company to any third party without Your consent.
Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Terms and
Conditions, or any portion thereof, to be unenforceable, that provision shall be enforced to the
maximum extent permissible so as to give effect to the intent of the parties as reflected by that
provision, and the remainder of the Terms and Condition shall continue in full force and effect.
Waiver: Any failure by the Company to enforce or exercise any provision of the Terms and
Conditions, or any related right, shall not constitute a waiver by the Company of that provision or
right.
‍

Gold Coin Offer
This is a limited time festive offer and will cease to be valid after 8th March, 2024
Enter the Mahashivaratri Competition, by saving manually 2 times on 8th March, 2024
A Few lucky winners on the Jar app will get a chance to win: One GRAM GOLD COIN.
All Jar users are eligible to participate in the Lucky draw/contest.
Offer is valid on manual purchase of Digital gold on Jar app.
Lucky winners will be decided randomly from the users who do a manual purchase of digital gold on
the jar app in the festive time period.
Lucky winners will be reached out to by Jar by 15th March, 2024
‍
Cashback Offer
This is a limited time festive offer and will cease to be valid after 8th March, 2024
Users are eligible to get Jar winnings of up to ₹150
All Jar users are eligible to participate.
Offer is valid on manual purchase of Digital gold on Jar app.

* Jar reserves the right to modify or cancel entries in the competition
‍

‍

‍Changejar Technologies Private Limited and/or Jar Gold Retail Private Limited.

Registered Office address: No. 752, 18th main, 6th block, 5th cross Koramangala Bangalore-560095

Tel: +91-6366693874, Email: info@changejar.in

NEK – Nek | Terms and Conditions

Please read these Terms and Conditions (“T&C’s”)  before using the Website. By accessing or
signing up to our website and/or services you have read understood and hereby agree to be bound by
these T&Cs and Privacy Policy (which is hereby incorporated by reference herein). If you do not
agree to be bound by these T&Cs and Privacy Policy you must not access or use our Website and/or
services. You should review the Privacy Policy and T&Cs periodically for any modifications or
changes.
1.GENERAL
1.1.This document is an electronic record in terms of the Information Technology Act, 2000 (“IT
Act”) and rules made thereunder, as applicable, and the amended provisions pertaining to electronic
records in various statutes, as amended from time to time. This document is generated by a computer
system and does not require any physical signatures.
1.2.For the purpose of these T&Cs wherever the context so
requires,  “You”, “Your”,  “Yours” or “Customer” shall mean any natural or legal person who has
agreed to become a user of the Platform  (as defined below) by accessing or using the Platform. If You
are using the Services  (as defined below) or the Platform on behalf of a company, organization,
government, or other legal entity, You represent and warrant that You are authorized to do so.
1.3.Unless the context otherwise requires, “Nek” ,  “We”, “us”,  “our” or “Company” shall
mean  “Nek”, which is owned and operated by Jar Gold Retail Private Limited, a company
incorporated under the laws of India and its registered office at No. 752, 18th main, 6th block, 5th
cross Koramangala Bangalore – 560095, or any of its licensees, whether now or in the future.
1.4.The Company operates a platform for selling jewelry  ( “Platform Services”). The customer 
( “Customers”) can browse and purchase jewelry on the Platform. The Customers can redeem their
savings from the Jar App. Nek also offers the autopay feature on the Platform that simplifies savings
by automating daily/monthly/periodic contributions via unified payment interface  ( “UPI”) and
payment modes also.
1.5.Use of the Platform and the Services provided are subject to the rules and regulations, policies,
notices, terms, and conditions set forth or mentioned on the  https://shopnek.com/   (“Website”) and
the mobile application available on the Play Store – Jar i.e. (“App”)   is collectively hereinafter
referred to as the  ( “Platform”).
1.6.As a User, the T&C shall be effective and binding upon your ‘acceptance’. ‘Acceptance’ shall
mean Your affirmative action on entering information as requested on the sign-up page or simply by

accessing or visiting the Platform. If You do not agree or are not willing to be bound by the T&Cs and
our Policies  (published on the website), please do not enter information as requested on the sign-up
page and click the “Accept” button, or do not seek to obtain access to, view, visit, download or
otherwise use the Platform (or any of its components/constituents) or any information or Services.
1.7.By impliedly or expressly accepting these T&Cs, You also accept and agree to be bound by
applicable policies of the Company including the Privacy Policy and Shipping Policy as published on
the Platform (“Policies”) communicated to the Users by publication on the Platform. Nek and
Customer shall collectively be referred to as , “Parties” and individually as “Party”.
2.DEFINITIONS
2.1.Whenever used in these T&Cs with initial letters capitalized, the following terms will have the
following specified meaning:
a)“Affiliate” shall mean any Person who directly or indirectly, controls, is controlled by, or is under
the common control of the Company. The term “Control” is used in the sense of the possession by a
person or a group of persons acting in concert, directly or indirectly, of the right to direct or cause the
direction of the management and policies of another Person, whether through the board of directors or
ownership of voting rights by such other Person, by the Articles of Association, contract or otherwise.
A Person or a group of persons acting in concert shall be deemed to be in control of a body corporate
if such Person or group of Persons is in a position to appoint or appoints the majority of the directors
of such body corporate.
b)“Authority” shall mean any union, national, state, local, or other governmental, statutory,
administrative, judicial, regulatory, or self-regulating authority, agency, or instrumentality having
jurisdiction over the relevant matter.
c)“Grievance Redressal Officer” means the grievance redressal officer appointed by the Company
in accordance with applicable law, from time to time.
d)“Information” means and shall include any confidential and/or personally identifiable information
or other information provided to the Company or other Users of the Platform or at the time of
registration with the Platform, or through any email/messaging feature and shall include without
limitation Your name, sex, age, email address, mailing address, phone number (if provided) or such
other personal information.
e)“Internal Service Provider” shall mean logistics or any back end service providers of the Platform
appointed by the Company that will provide various services that the Company may require in order
to run operations of the Platform, for example, to facilitate or outsource one or more aspects of the
business, product and service operations provided on the Platform, including search technology,
manufacturing, shipping, payments, affiliate and rewards programs, maintenance services, database
management, etc.
f)“Law” shall mean any statute, law, regulation, ordinance, rule, judgment, notification, rule of
common law, order, decree, bye-law, approval, statutory directive, guideline, requirement or other
governmental restriction, or any decision of, or determination, interpretation or policy, having the
force of law, by or of any court of law or any governmental authority including any entity exercising
executive, legislative, regulatory or administrative functions having jurisdiction over the matter in
question, in effect at the relevant time, in any applicable jurisdiction.

g)“Losses” shall include, without limitation, losses, liabilities, actions, suits, claims, proceedings,
costs, damages, penalties, judgments, amounts paid in settlement, expenses, etc. including reasonable
attorneys’ fees and including any interest thereon.
h)“Pay Facility” means the automated electronic payment or collection and remittance facility
provided by the Company to the Customers to facilitate payments on the Platform directly through
banks or financial institution infrastructure or indirectly through payment gateway facility providers
or through any such facility authorized by the Reserve Bank of India to provide enabling support
facility for collection and remittance of payment.
i)“Person” shall mean and include any individual, legal entity, company, body corporate, partnership
firm, association, Hindu undivided family, trust, society, limited liability partnership, or
proprietorship, whether incorporated or not.
j)“Services” shall mean the services rendered by the Platform as may be specifically notified by Nek
on the Platform or by other means of communication from time to time, in accordance with the
applicable law.
k)“User(s)” shall mean a user of the Platform.
3.INTELLECTUAL PROPERTY
3.1.We are either the owner of intellectual property rights or have the non-exclusive, worldwide,
perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise the
intellectual property, in the Platform, and in the material published on it including but not limited to
the user interface, layout format, ideas, design, structure, expression, and any content thereof.
3.2.You recognize that the Company is the registered owner of the word mark ‘Nek’ and the logo
.including but not limited to its variants (“IPR”) and You shall not directly or indirectly, challenge or
assist another in challenging the validity of, or Company’s or its Affiliates proprietary rights in, the
licensed marks or any registrations thereof, or file any applications for the registration of the licensed
marks or any names or logos derived from or confusingly similar to the licensed marks, any variation
thereof, or any translation or transliteration thereof in another language, in respect of any
products/services and in any territory throughout the world. If You become aware or acquire
knowledge of any infringement of IPR, You shall report the same at  support@shopnek.com  with all
relevant information.
3.3.We respect the intellectual property rights of others. If you notice any act of infringement on the
Platform, you are requested to send us a written notice/intimation at  support@shopnek.com  which
must include the following information:
3.4.You may print off one copy and may download extracts of any page(s) from the Platform for Your
personal reference and You may draw the attention of others within Your organization to material
available on the Platform.
(i)clear identification of such copyrighted work that you claim has been infringed;
(ii)location of the material on the Platform, including but not limited to the link of the infringing
material;
(iii)the proof that the alleged copyrighted work is owned by you; and
(iv)contact information.

3.5.You must not modify the paper or digital copies of any materials You have printed off or
downloaded in any way, and You must not use any illustrations, photographs, video or audio
sequences, or any graphics separately from any accompanying text.
3.6.You must not use any part of the materials on the Platform for commercial purposes without
obtaining a license to do so from us or our licensors.
3.7.If You print off, copy or download any part of the Platform in breach of these T&Cs, Your right to
use the Platform will cease immediately and You must, return or destroy any copies of the materials
You have made.
3.8.You may download information presented on the Platform at Your sole risk, and without any
express or implied warranty from us in relation to such information, provided that:
(i)such information is used solely for personal purposes and not for any commercial purposes
whatsoever;
(ii)no alterations or modifications of any kind are made to such information;
(iii)no further statements and warranties shall be made with regard to such information or documents
containing such information for or on our behalf;
(iv)no statements and/or notifications indicating our ownership of and other legal rights and interests
in relation to such information shall be removed, in part or in full;
(v)such information is not reproduced, republished, transmitted, displayed, posted or distributed in
any form or by any means; and
(vi)any unauthorized use of the information will be in violation of the applicable Law including
intellectual property rights.
4.DISCLAIMERS
4.1.The Platform may be under constant upgrades, and some functions and features may not be fully
operational.
4.2.Due to the vagaries that can occur in the electronic distribution of information and due to the
limitations inherent in providing information obtained from multiple sources, there may be delays,
omissions, or inaccuracies in the content provided on the platform or delay or errors in functionality
of the Platform. As a result, we do not represent that the information posted is correct in every case.
4.3.We expressly disclaim all liabilities that may arise as a consequence of any unauthorized use of
credit/ debit cards on the Platform.
4.4.Nek disclaims all liability that may arise due to any violation of any applicable Laws including the
Law applicable to products and services offered by any third party.
4.5.While the materials provided on the Platform were prepared to provide accurate information
regarding the subject discussed, the information contained in these materials is being made available
with the understanding that we make no guarantees, representations, or warranties whatsoever,
whether expressed or implied, with respect to professional qualifications, expertise, quality of work or
other information herein. In no event shall we be liable to You or any third party for any decision
made, or action taken in reliance on such information.

4.6.You agree that use of the Platform is entirely at your own risk. The information provided
hereunder is provided “as is”, without any warranties of any kind. We and/or our employees make no
warranty or representation, express or implied, regarding the timeliness, content, sequence, accuracy,
fitness for a particular purpose, security, freedom from viruses, effectiveness, or completeness of any
information or data furnished hereunder or that the information or data provided hereunder may be
relied upon. Multiple responses may usually be made available from different sources and it is left to
the judgment of Users based on their specific circumstances to use, adapt, modify or alter suggestions
or use them in conjunction with any other sources they may have, thereby absolving us as well as our
consultants, business associates, Affiliates, business partners and employees from any kind of
professional liability.
4.7.You agree that use of the Platform is entirely at your own risk. The information provided
hereunder is provided “as is”, without any warranties of any kind. We and/or our employees make no
warranty or representation, express or implied, regarding the timeliness, content, sequence, accuracy,
fitness for a particular purpose, security, freedom from viruses, effectiveness, or completeness of any
information or data furnished hereunder or that the information or data provided hereunder may be
relied upon. Multiple responses may usually be made available from different sources and it is left to
the judgment of Users based on their specific circumstances to use, adapt, modify or alter suggestions
or use them in conjunction with any other sources they may have, thereby absolving us as well as our
consultants, business associates, Affiliates, business partners and employees from any kind of
professional liability.
4.8.In no event will we be liable for any damages (including, without limitation, direct, indirect,
incidental, special, consequential, or exemplary damages, damages arising from personal
injury/wrongful death, and damages resulting from lost profits, lost data or business interruption),
resulting from any services provided by any third party accessed through the platform, whether based
on warranty, contract, tort, or any other legal theory and whether or not we are advised of the
possibility of such damages.
4.9.We reserve the right to do any of the following, at any time, without notice: (a) to modify, suspend
or terminate operation of or access to the Platform, or any portion of the Platform, for any reason
whatsoever; (b) to modify or change the Platform, or any portion of the Platform, and any applicable
policies or terms; or (c) to interrupt the operation of the Platform, or any portion of the Platform, as
necessary to perform routine or non- routine maintenance, error correction, or other changes.
4.10.Nek assumes no liability or responsibility for any (i) unauthorized access to or use of our secure
servers and/or any and all personal information and/or financial information stored therein, (ii) any
interruption or cessation of transmission to or from our Platform, (iii) any bugs, viruses, trojan horses
and/or the like which may be transmitted to or through our Platform by any third party, or (iv) any
loss or damage to content or data (whether stored through the site and/or service or otherwise), or (v)
any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the
use of any content posted, emailed, transmitted or otherwise made available via the Platform. Nek
does not warrant, endorse, guarantee or assume responsibility for any product, service or opportunity
offered by a third party through the Platform.
4.11.For as long as Nek continues to offer the Platform, Nek shall provide and seek to update,
improve and expand the Platform. As a result, we allow you to access the Platform as it may exist and
be available on any given day and we have no other obligations, except as expressly stated in these
T&Cs.

5.ELIGIBILITY
5.1.The User must possess the legal authority to enter into an agreement so as to become a User and
use the services of Nek. In order to use the Platform, You need to be 18 (eighteen) years of age or
older. The Platform may only be used or accessed by such persons who can enter into and perform
legally binding contracts under Indian Contract Act, 1872.
5.2.The Company shall not be liable in case of any false information is provided by the User including
the User’s age and the User and/or his natural or appointed guardian alone shall be liable for the
consequences as per the applicable Law of the country to which the User belongs.
5.3.The Company disclaims all liability arising out of such unauthorized use of the Platform and any
third-party liability arising out of Your use of the Platform if You are a minor.
5.4.Before using the Platform, procuring the services of Nek, the Users shall compulsorily read and
understand these T&Cs, and shall be deemed to have accepted these T&Cs as a binding document that
governs User’s dealings and transactions with Nek. If the User does not agree with any part of these
T&Cs, then the User must not avail Nek’s services.
5.5.All rights and liabilities of the User and Nek with respect to any services or product facilitated by
Nek shall be restricted to the scope of these T&Cs.
6.USER INFORMATION
6.1.You agree to provide true, accurate, up-to-date, and complete information while signing up on the
Platform or for any other purpose when prompted or requested to do so on the Platform.
6.2.Certain information You provide on the Platform in Your profile may reveal, or allow others to
identify different aspects and more generally about You. You are expressly and voluntarily accepting
the terms of the T&Cs and supplying all such information by You on the Platform, including all
information deemed “personal” or “sensitive” by applicable Laws, is entirely voluntary on Your part.
6.3.For the use of our Services, You may be required to use certain devices, software, and third-party
applications including but not limited to WhatsApp, and data connections, which we otherwise do not
supply. For as long as You use our Services, You consent to downloading and installing updates to our
Services, including automatically, downloading and installing such updates, and shall be bound by the
terms & conditions of the respective third-party application/s.
6.4.You are responsible for all carrier data plans and other fees and taxes associated with Your use of
our Services.
6.5.The Company shall not be responsible in any manner whatsoever for the authenticity of the
personal information or sensitive personal data or information supplied by the User to the Company or
to any other person acting on behalf of the Company.
6.6.You are prohibited from misrepresenting Your identity and agree not to represent Yourself as
another User or login/register using the identity of any other person. You are responsible to maintain
and promptly update the information provided while signing up or verifying or for any other purpose
on the Platform to ensure that the information provided by You is true, accurate, current, complete,
and not misleading at all times.
6.7.If You provide any information that is untrue, inaccurate, misleading, not current or incomplete or
the Company has reasonable grounds to believe that such information is untrue, inaccurate,

misleading, not current or incomplete, or not in accordance with the T&Cs, the Company reserves the
right to indefinitely block Your use or access to the Platform in any manner whatsoever. Should any
other User or Person act upon such untrue, inaccurate, not current, or incomplete information
provided or verified by You, the Company, and its Personnel shall not be liable for any damages,
losses, direct, indirect, immediate or remote, interests or claims resulting from such information to
You or to any third party. You hereby agree and undertake to indemnify and to hold harmless the
Company, and its personnel in accordance with the Indemnity clause contained in these T&Cs.
6.8.DND communication: You will be required to provide a valid phone number at the time of using
the service through the platform. By registering the phone number with us, You give consent to be
contacted by us via phone call.
7.ELECTRONIC COMMUNICATION
7.1.You agree to keep Yourself updated with all data, information, and communication pertaining to
You made available on the Platform by the Company. You further agree that Your use of the Platform
or provision of any data or information including any correspondence (by email or otherwise) to or by
the Company is through electronic records and You consent to receive communication from the
Company via electronic documents including emails and/or SMS, voice call etc. which will be
deemed adequate for service of notice/ electronic record. The User hereby unconditionally consents
that such communications via SMS, voice call, email or any other mode by Nek are:
(i)upon the request and authorization of the User;
(ii)‘transactional’ and not an ‘unsolicited commercial communication’ in compliance of the local
laws, and
(iii)in compliance with the relevant guidelines framed by the Telecommunications Regulatory
Authority (TRA) or such other relevant authority in the relevant jurisdiction.
7.2.The User will indemnify against all types of losses and damages incurred by Nek due to any
action taken by the Telecommunications Regulatory Authority of India (TRAI) or such other relevant
authority in the relevant jurisdiction, access providers or any other local authority due to any
erroneous complaint raised by the User on Nek with respect to the communications mentioned above
or due to a wrong number or email id being provided by the User for any reason whatsoever.
7.3.The User also understands that they will always have an option of withdrawing the consent as set
out above. The User will have an unconditional right to opt out of receiving messages and email
including but not limited to communications that are of marketing in nature by simply writing to Nek
on  support@shopnek.com  or by amending the notification settings in User’s account profile settings.
7.4.We may need to provide You with certain communications/notifications via voice calls and/or text
messages and/or WhatsApp, such as service announcements, promotional schemes and administrative
messages. These communications are considered part of the Services and Your Account, and You may
not be able to opt-out from receiving them. If You added Your phone number to Your account and You
later change or deactivate that phone number, You must update Your account information to help
prevent us from communicating with anyone who acquires Your old number.
8.GENERAL TERMS
8.1.All commercial/contractual terms being offered by us and agreed by You with respect to products
and services being offered by us. The commercial/contractual terms include without limitation price,

applicable taxes, shipping costs, payment terms, date, period, and mode of delivery, warranties related
to products and services, and after-sales services related to products and services.
8.2.The Customer agrees and acknowledges that on the Platform all Product(s) are offered only at the
sole discretion of Company a restricted time and only for the available supply/till stock lasts. Prices
on the Platform are subjected to change without any prior notice, as the prices are calculated using
current prices of precious metals and gems.
8.3.Nek also reserves the right to put a limit on the number of items purchased or orders placed
through the Platform. In addition, Nek also reserves the right to put a monetary limit/value cap in
terms of Indian Rupees up to which only the Customer may place order(s) on the Platform.
Additionally, the Company also reserves the right to put a condition that each order placed by the
Customer on this Platform must be above a certain minimum monetary value in terms of Indian
Rupees.
8.4.The Company neither makes any representation or warranty as to specifics (such as quality, value,
sale ability, etc.) of the products or services proposed to be sold or offered to be sold or purchased on
the Platform nor does implicitly or explicitly support or endorse the sale or purchase of any products
or services on the Platform.
8.5.In relation to the products being sold, for raising any consumer complaint in relation to the
products or any other grievances, You may visit the ‘Contact Us’ section of our website where the
contact details of our grievance redressal officer are published for raising any grievances.
9.USER OBLIGATIONS
9.1.You may not use the Platform or any content on the Platform for any purpose that is unlawful or
prohibited by the T&Cs, or to solicit the performance of any illegal activity or other activity that
infringes the rights of the Company and/or others.
9.2.You shall at all times ensure full compliance with the applicable provisions, as amended from time
to time, of (a) the Information Technology Act, 2000 and the rules thereunder; (b) all applicable
Laws; and (c) international laws, foreign exchange laws, statutes, ordinances and regulations
(including, but not limited to sales tax/VAT, income tax, general sales tax, central excise, custom duty,
local levies) regarding Your use of our service and Your listing, purchase, solicitation of offers to
purchase, and sale of products or services.
9.3.You confirm that You shall not transfer Your account and shall not assign any rights and
obligations under the T&Cs to any third party without the specific prior written permission of the
Company.
10.WEBSITE
10.1.The Website is meant to be used by bonafide User(s) for lawful use.
10.2.User shall not distribute exchange, modify, sell or transmit anything from the Website, including
but not limited to any text, images, audio and video, for any business, commercial or public purpose.
10.3.The T&Cs grants a limited, non-exclusive, non-transferable right to use this Website as expressly
permitted in these T&Cs. The User agrees not to interrupt or attempt to interrupt the operation of the
Website in any manner whatsoever.

10.4.Nek reserves the right to periodically make improvements or changes to its Website at any time
without any prior notice to the User. User(s) are requested to report any content on the Website, which
is deemed to be unlawful, objectionable, libelous, defamatory, obscene, harassing, invasive to privacy,
abusive, fraudulent, against any religious beliefs, spam, or is violative of any applicable law to India.
On receiving such report, Nek reserves the right to investigate and/or take such action as the Company
may deem appropriate.
11.SECURITY AND ACCOUNT RELATED INFORMATION
11.1.User understands that any information that is provided to this Website may be read or intercepted
by others due to any breach of security at the User’s end.
11.2.Nek adopts the best industry standard to secure the information as provided by the User.
However, Nek cannot guarantee that there will never be any security breach of its systems which may
have an impact on User’s information too.
11.3.The data of the User as available with Nek may be shared with concerned law enforcement
agencies for any lawful or investigation purpose without the consent of the User.
12.PAYMENT
12.1.We use third party service providers or payment gateway(s) for processing the payments made in
relation to the purchase of products offered to Customers.
12.2.The Pay Facility may support payments through credit/debit cards from the banks that are
available while selecting the Pay Facility as the payment method or by cash. The Pay Facility may
support payments through UPI and mobile wallet payment options. However, payment mechanisms
may be added or removed or suspended through any one or more banks directly or through any
payment gateway facilitators and such change shall come into effect upon the same being published
on such third-party service provider’s website.
12.3.The Pay Facility shall be made available to the Customers to make payment easier. In case wrong
bank account details are used by the Customer, the Company shall not be responsible for loss of
money, if any. In case of there being any technical failure, at the time of transaction and there is a
problem in making payment, You could contact us at  support@shopnek.com , however, the Company
shall not be liable for transaction failure or payment issues. You assume sole responsibility for all
risks associated with transfer of money or payments, whether or not such transfer or payments are
done through the use of a third-party payment gateway. All disputes regarding delayed payments or
failed payments must be resolved by You, and the third-party payment gateway directly.
12.4.You acknowledge and agree that You shall not use the details of credit card/debit card/net-
banking or any other payment instrument which is not lawfully owned by You.
12.5.Compliance with Laws: Customer shall comply with all the applicable Laws (including without
limitation Foreign Exchange Management Act, 1999 and the rules made and notifications issued
thereunder and the Exchange Control Manual as may be issued by Reserve Bank of India from time to
time, Customs Act, Information and Technology Act, 2000 as amended by the Information
Technology (Amendment) Act 2008, Prevention of Money Laundering Act, 2002 and the rules made
there under, Foreign Contribution Regulation Act, 1976 and the rules made there under, Income Tax
Act, 1961 and the rules made there under, Export Import Policy of government of India) applicable to
them respectively for using the payment facility.

13.LIMITATION OF LIABILITY
13.1.In no event shall the Company or its personnel or its suppliers, service providers and internal
service providers be liable for any direct, indirect, incidental, special, consequential or exemplary
damages, including but not limited to, damages for loss of profits, goodwill, use, data or other
intangible Losses arising (in any manner whatsoever) out of or in connection with the Platform, the
Pay Facility, services provided by internal service providers on behalf of the Platform or the Company
or any other services.
14.WARRANTY
14.1.The Customer hereby assumes the sole risk of making use of or relying on the information,
materials and services relating to the products available on the Platform. The Company makes no
representations about the suitability, completeness, timeliness, reliability, legality in Customer’s
jurisdiction, or accuracy of the information, materials and services relating to the products described
or contained in the Platform for any purpose.
14.2.All products described or contained in the Platform are offered “as is” without warranty of any
kind whatsoever, including aside from the implied warranties and conditions of merchantability or
fitness for a specific purpose, workmanlike effort and non-infringement.
15.INDEMNITY FOR NON-COMPLIANCE OR BREACH
15.1.You shall indemnify and hold harmless the Company and the Company’s parent, subsidiaries, its
personnel, affiliates, internal service providers and their respective officers, shareholders, directors,
agents, and employees, from and against any and all Losses, liabilities, actions, suits, claims,
proceedings, costs, damages, judgments, amounts paid in settlement and expenses (including without
limitation attorneys’ fees and disbursements), made by any third party or penalty imposed due to or
arising out of Your breach of the T&Cs or resulting from untrue, inaccurate, misleading not current or
incomplete information provided or verified by You.
16.CONSENT AND PRIVACY POLICY
16.1.By using the Platform and/or by providing Your Information, You consent to the collection and
use of such Information disclosed by You on the Platform and on the Pay Facility (if applicable), by
the Company. The personal information / data including but not limited to the information provided
by You to the Platform /Pay Facility (if applicable) during the course of You being a registered User
shall be retained in accordance with the Privacy Policy published on the Platform from time to time
which is incorporated herein by reference and applicable Laws including but not limited to
Information Technology Act, 2000 and rules there under. If You do not agree to Your information
being transferred or used in this way, please do not use the Platform. Please read our Privacy Policy
carefully which is available on our Platform.
17.CHANGES IN TERMS & CONDITIONS OR PRIVACY POLICY
17.1.The Company reserves the right to modify the Platform and/or alter these T&Cs and/or Policies
at any time and retains the right to deny access at any time including the termination of membership
and deletion of the account, to anyone who the Company believes has violated the provisions of the
T&Cs.
17.2.You are advised that any amendment to the T&Cs incorporated herein by reference will only be
notified on the Platform on publicly accessible links and You agree by accessing, browsing or using

the Platform that such publication shall immediately constitute sufficient notice for all purposes
against You. The revised version/ terms shall be effective from the time that the Company publishes
the same on the Platform.
17.3.The Company shall not be liable to give any prior notice to the Users of any amendments to the
T&Cs, which in the opinion of the Company, has the effect of diminishing the User’s existing rights
or imposing additional obligations. You understand and hereby accept that the decision, whether any
proposed amendments to the T&Cs have the effect of diminishing the User’s existing rights or
imposing additional obligations on the User, shall be decided by the Company in its sole discretion.
18.ELIGIBILITY
18.1.In case of any grievance, objection or complaint on Your part with respect to the Platform, any
issue pertaining to transactions, other Users or the Company, including any complaints or enquiry
about suspension, termination or blocking of Your membership or right to use the Platform, You
should promptly raise such grievance or complaint with the designated Grievance
Officer  contact@shopnek.com  and provide the Grievance Officer with all necessary information
and/or documents to enable the Company/Grievance Officer to try and resolve the issue. For each
grievance lodged by a User, the Company will issue a ticket number for each complaint lodged
through which such User can track the status of the complaint.
18.2.The Grievance Officer shall attempt to acknowledge your grievances/ complaints within 48
(forty-eight) hours of receiving it. The Grievance Officer may requisition such information as he may
require in order to look into the grievances/ complaints for resolving the same. The Grievance Officer
shall attempt to resolve the grievance/ complaint within 1 (one) month of having received it. You
acknowledge that in the event you fail to provide the information sought by the Grievance Officer to
look into your complaint, the Grievance Officer shall not be able to proceed with your grievance/
complaint, and as such, the grievance/ complaint may remain unresolved. By agreeing to the T&Cs
herein, you hereby consent and authorize the Grievance Officer to contact you on the basis of the
information provided by you, for the purposes of the grievance/ complaint.
19.CONFIDENTIALITY
19.1.All communications between the You and the Company and all confidential information given to
or received by You from the Company, and all information concerning the business transactions of the
Company with any entity or person with whom it may or may not have a confidentiality obligation
with regard to the matter in question, shall be kept confidential by You (whether or not such
information or data has been marked as confidential) unless specifically permitted to the contrary in
writing to the Company.
19.2.This confidentiality obligation shall survive the termination of these T&Cs with and the User
account of the concerned User.
20.ADDRESS COLLECTION VIA OTP VERIFICATION
20.1.To enhance your shopping experience, we may request your address through a pop-up on our
website. This address will be securely fetched upon successful OTP verification using the third-party
tool, Shiprocket. By providing your address, you consent to the use of this process.
21.COUPON USAGE POLICY

21.1.Coupons cannot be combined or clubbed with other ongoing offers or discounts. Each coupon
can only be applied independently and is subject to its specific terms and conditions. Please check the
offer details for eligibility and validity before use.
22.DELIVERY
22.1.The 5-day delivery option is currently only eligible for some selected SKUs.
22.2.This option is subject to change based on stock availability, location, and other unforeseen
conditions.
22.3.While we strive to meet the 5-day delivery for certain items, we aim to deliver all orders within
7-10 working days.

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