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Welcome to CKC Jewellers
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Website Content

All materials, including illustrations, photographs, products, images, artwork, designs, text, graphics, logos, button icons, images, audio and video clips and software (collectively, "Content") appearing on the Site are owned or controlled by CKC and/or its group entities, subsidiaries, affiliates and content suppliers and are protected by worldwide design, trademark, trade dress, copyright and other intellectual property laws. The Content of the Site, and the Site as a whole, are intended solely for personal, noncommercial use by the users of the Site. You may not copy Content from the Site, or otherwise modify, obscure or delete any copyright or other propriety notices on the Site. No right, title or interest in any materials or software, if applicable, on the Site is transferred to you from your use of the Site. You may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the Content, the Site, or any related software without the prior written authorization of CKC.

LEGAL NOTICE

Legal notices and Terms & Conditions of use of CKCJewellers.com website of C. Krishniah Chetty Group of Jewellers (referred to as 'CKC' in this context) and Terms & Conditions for :

1.  The Star Club! Never-before-seen advantages! - Signature Loyalty Rewards Programme.

2.  The Gold Advantage & The Gold Standard 1869 – Rate Protection Plans (GAAP & GSTD) referred to jointly or severally

3. Gift Voucher Policy

4. E-Shopping

These legal notices,  terms,  conditions,  and provisions ❨''Terms and Conditions''❩ apply to the C. Krishniah Chetty Group of Jewellers Official Website - www.CKCJewellers.com and other owned sites and to all leads generated from all associated websites officially linked to www.CKCJewellers.com by CKC, its group entities, subsidiaries, partners and affiliates, collectively known as ''The Site''. The website www.CKCJewllers.com is owned and operated by C. Krishniah Chetty Jewellers. The terms of business also apply to their offline showrooms & business.

These legal notices, terms, conditions, and provisions ("Terms and Conditions") apply to the C. Krishniah Chetty Group of Jewellers Official Website – www.CKCJewellers.com and other owned sites and to all leads generated from all associated websites officially linked to www.CKCJewellers.com by CKC, its group entities, subsidiaries, partners and affiliates, collectively known as “The Site”. The website www.CKCJewllers.com is owned and operated by C. Krishniah Chetty Jewellers. The terms of business also apply to their offline showrooms & business.

CKC provides the Site and its services to you subject to these Terms and Conditions. By accessing the Site or placing an order using the Site, you indicate that you understand and intend these Terms and Conditions to be the legal equivalent of a signed, written contract, and you accept and agree to be bound by these Terms and Conditions. CKC reserves the right to change these Terms and Conditions at any time for any reason, and your continued use of the Site following any modifications will be deemed to constitute acceptance of such modifications. Therefore, you are requested to frequently review these Terms and Conditions from time to time and prior to any use of the Site to understand the terms and conditions that apply to your transactions on the Site. If you do not agree to any amended terms or the original terms as the case may be, please do not use the Site. Your visits to the site, our showrooms, offices and information given by you may be used from time to time by CKC for any purpose including legal disclosures to statutory/ legal bodies, and in our marketing activities unless special waiver is sought by any individual or entity in writing & accepted by us in writing specifically. Your use of the Site is also governed by our Privacy Policy.

VINTGE CAR TERMS AND CONDITIONS

Terms and Conditions:

1. Choice of vintage car will be selected from CKC collection or from Collectors at discretion of C. Krishniah Chetty Group of Jewellers.

2. Photo of car is only indicative. Actual car may be different.

3. Jewellery in lieu of car upto maximum value of Rs. 30 Lakhs available.

4. If value of car exceeds Rs. 30 lakhs winner to pay the difference by cheque to C. Krishniah Chetty Group of Jewellers

5. TDS/ Taxes to be paid/ borne by winner.

6. Car in as is where is condition.

7. Legal formalities to be followed for transfer of ownership

8. Eligibility is minimum of Rs. 5 Lakhs purchase at a time or cumulatively.

9. All Bills must be in same name or of one family to be counted.

10. Entry form must be filled with bill numbers.

11. Multiple bills over the period of the contest is allowed.

11. Multiple bills over the period of the contest is allowed.

13. Duplicate entries will be removed.

14. Two promotions may not be clubbed.

15. Goods returned will disqualify the entry.

16. The decisions of C. Krishniah Chetty Group of Jewellers will be final and binding in any circumstances.

17. Subject to the jurisdiction of the courts of Bengaluru.

Transaction timing

On completion of all instalments you are free to utilize the quantities at credit in your account and accrued to buy from the entire range of jewellery, silverware and diamond jewellery available except coins and bullion bars at our showrooms during the regular working hours or 24 x 7 online..

You are advised to start shopping at least 30 minutes before closing time. Timings will be strictly followed by the Company. Each of our showrooms may have certain products and may have different timings..

policymaturity

Total Value Of The Transaction On Maturity

Where the value of the item chosen by you exceeds the amount or quantity at your credit then this balance must be paid by you in cash or credit card and rates will be as per CKC normal terms of business.

It is however to be noted that the value of the items chosen by you shall not be less than the amount or quantity at your credit. No cash will be returned. You may however keep the amount in your account and use the same at a future date, if you please. Separate receipts/ credit notes will be issued in such cases. (Coins /bullion bars may not be purchased using your averaged rate benefit under the plan). The total weight so accumulated needs to be consumed in the transaction on maturity. Extra charges such as labour, wastages, gemstones, taxes etc. (which are normal charges whether or not you participate in this Rate Protection Plan TM) will need to be paid in addition to the weights accumulated.

TAXES AND OTHER LEVIES

All taxes and surcharges and levies as at the time of sale (or at the time of delivery/billing in case of orders) will be applicable.

ENCASHMENT DATE

You become eligible to take delivery of an order or purchase jewellery or silverware only on the completion of one calendar month after the date of all payments, i.e. on maturity only

CANCELLATION / REFUND POLICY

1. Premature withdrawal from the plan or stopping of further instalments before completion of the plan will not be entitled for any benefits under
the plan. Amounts paid until such date can be offset with purchase of jewellery or order.
2. No cash will be refunded in any event.
3. You shall give to the company an indemnity that in the event your receipts are LOST, the company shall not be held responsible.
4. You are requested to inform the company in writing immediately on the loss of your identity card and or receipts. You are to preserve your
receipts separately from your identity cards. A duplicate card will be issued by the company at a cost of Rs.150/- per card.
5. CKC can block encashment on written request due to lost identity cards or such reasons.
6. Your identity may be verified by request to show a photo ID card at any time.

GENERAL GUIDELINES

1. Reminders may be given by a telephone call or sent by SMS / Emails, where cell no's/Email addresses are furnished. This is a service and failure
to receive such intimation shall not be a reason for delayed payment.
2. Plans are subject to change /modification by CKC at any time without prior notice.
3. All parameters or changes shall be prospective only.
4. Bounced cheques attract 'bounced cheque charges'.
5. Subject to the jurisdiction of the courts of Bangalore.

THE STAR CLUB! - THE LIST OF STARS - LOYALTY REWARDS PROGRAMMES
A) GENERAL:

1. ''The Star Club & List of Stars TM Loyalty Rewards Programme' aims to reward repeat clients. The loyalty membership allows a member to receive points that helps
you to save money every year.
2. The membership is available to all connoisseurs of jewellery at a one-time joining fee of 250 points. Additional members of a family may apply for separate cards linked
to main card. 250 points will be debited automatically per card issued.
3. Points are awarded as the members shop for eligible products and merchandise from any of CKC's stores/ online. Some stores may have an independent programme.
Points are accrued as the bills are made during the course of purchase of gold, platinum, diamonds, silverware and other products.
4. Privileges and benefits are listed separately in ' Star Club' / List of Stars brochures/ published online from time to time.
5. Four member levels exit viz., Classic, Silver, Gold, & Diamond. Each of the higher levels allows enhanced benefits depending on the volume of business done with CKC
from time to time/ every year.
6. Each member will be issued a temporary card on enrolment or personalized smart card within 30 days from the date of enrolment. Temporary memberships (if and
once issued) will be made permanent once successfully enrolled. Points will be credited for first transaction only after final successful enrolment.
7. The card will be required at the time of transaction and especially at the time of redemption of points to safeguard against faulty credit/redemption. We may send you
SMS / email confirmations time to time. (ONE TIME PASSWORDS MAY BECOME AVAILABLE IN TIME).
8. All points accrued may be used on the next working day, for the future purchases.
9. You may use the card for own purchases or that of your relatives and / or friends.
10. Points may not be en-cashed and may be redeemed against new purchases only.
11. In the event of any return of jewellery/silverware, CKC will deduct the points originally accrued against the transaction.
12. If one item in a transaction of multiple items is returned, the points of the returned item are reversed.
13. Membership renewal is automatic and is at the discretion of CKC.
14. Right of admission is reserved into this programme.
15. In the event of any dispute, the decision of CKC as the sponsor of this programme is final and binding.
16. Prices of all products are uniform for members under this programme.
17. Discount Vouchers issued under this programme are subjected to validity dates of such vouchers and may be used only on satisfying the

STERLING PAPER SILVER TM

Ver 6. TERMS & CONDITIONS OF CONTACT-LESS PAPER-SILVERTM (92.5% STERLING SILVER)
FOR FUTURE SILVERWARE PURCHASES

To accompany order forms, receipts, and letter of intimation of PAPER-SILVERTM

Buy silver from the risk-free comfort of your home with C Krishniah Chetty's Signature Rate ProtectionTM & More!

In view of current COVID-19, social distancing norms, C Krishniah Chetty Group introduce contact-less PAPER-SILVERTM of 92.5% Sterling Silver. Book C Krishniah Chetty's PAPER-SILVER now and select silverware of your choice later at lower of C Krishniah Chetty's two rates*, within 12 months from the date of booking.

OR

You may cancel your booking of PAPER-SILVER at any time before 12 months and the booking will be refunded based on then prevailing rates during the time of cancellation duly applying C Krishniah Chetty's prevailing buy back policies. You are requested to check with our showroom staff at the time you wish to cancel the PAPER-SILVERTM.

Definitions

1. Booking: Reserving specific quantity of silver under C Krishniah Chetty's PAPER-SILVERTM by paying advance at booking day's rate. It is not
a sale.
2. C Krishniah Chetty's PAPER-SILVERTM: is a unique programme to benefit clients, which is different from our existing programmes running at
C Krishniah Chetty Group.
3. Conversion: Redemption/Utilisation of C Krishniah Chetty's PAPER-SILVERTM against purchase of ready silverware at any of our 3 magnificent
showrooms, which have not been selected/ finalised at time of paying an advance for undecided items by the client.
4. Withdraw: To cancel the booked transaction of C Krishniah Chetty's PAPER-SILVERTM and withdraw monies paid as advance at the time of
booking's PAPER-SILVERTM programme.

3 easy ways to book under C Krishniah Chetty's PAPER-SILVERTM:

Visit any of our 3 magnificent showrooms:
The Heritage Showroom, Commercial Street,
The Touchstone West, Margosa Road, Malleswaram
& The Touchstone South, 5th Block, Jayanagar, Bengaluru; or

Book C Krishniah Chetty's PAPER-SILVERTM online at https://www.ckcjewellers.com; or

Simply email us at: papergoldandsilver@ckcjewellers.com; or

WhatsApp us at:
The Touchstone showroom, off Cubbon Road:
+91 96861 01869 - Santhosh R,
+91 97400 18421 - Gopal Singh,
+91 99459 01869 - Suman Maity

The Touchstone South Showroom, 5th Block, Jayanagar:
+91 97400 18415 - Prasad K K
+91 91081 78103 - Syed Jameel

The Touchstone West Showroom, Margosa Road, Malleswaram &
The Touchstone Airport Boutique, Domestic Terminal, Bengaluru International Airport:
+91 99809 50819 - Sreehari R K
+91 98803 00277 - Prakasha J
+91 77609 76227 - Uma T P >

The Heritage Showroom, Commercial Street:
+91 98803 00227 - Jayaraman

The Touchstone East Boutique, Phoenix Marketcity Mall, Whitefield:
+91 76250 35227 - Joy Antoney >

tating clearly: Your full name, address, PAN Card image if booking is over Rs 2,00,000 in one name, e-mail address, cell number, and C Krishniah Chetty's PAPER-SILVERTM weight denomination required (PAN number is mandatory if the transaction value is Rs. 2,00,000 and above).

10 Advantages for booking of C Krishniah Chetty's PAPER-SILVERTM:

1. Contact-less booking of precious 92.5% sterling silver from the comfort of your home.

2. Book & pay for C Krishniah Chetty's PAPER-SILVERTM online at www.ckcjewellers.com/papersilver

3. Buy ready - stock silverware at C Krishniah Chetty's normally applicable prices, within 12 months from the date of booking of C Krishniah Chetty's PAPER-SILVERTM at any of our 3 magnificent showrooms: The Heritage Showroom, Commercial Street , The Touchstone West, Margosa Road, Malleswaram and The Touchstone South, 5th Block, Jayanagar, Bengaluru (Custom-Orders exempted).

4. *Silver Rate ProtectedTM - at lower of booking rate or prevailing 92.5% sterling silver rate on date of conversion whichever is lower. (For example: say C Krishniah Chetty's PAPER-SILVERTM booking rate is Rs 45.00pg and three months later C Krishniah Chetty's 92.5% sterling silver rate is Rs 46.00/pg, client will be charged Rs 45.00/pg for the quantity of C Krishniah Chetty's PAPER-SILVERTM originally booked by the client).

5. If multiple PAPER-SILVERTM are booked, each PAPER-SILVERTM will be calculated at respective rates (lower of booked and billing date's rate) for the conversion to silverware.

6. PAPER-SILVERTM is available in several easy denominations of:
500/750/1000/2500/5000//10000/20000gms

7. PAPER-SILVERTM entitles only to the weight of the silver purchased. The charges pertaining to labour, gems, diamonds, wastage charges, GST etc. are to be paid at the time of purchase.

8. The net weight of purchased silverware must be equal to or more than C Krishniah Chetty's PAPER-SILVERTM booking weight.

9. All related bills/ documents will be sent/ delivered, after requisite intimation on phone/ text message/email/ person/ free insured courier, to your registered address if in Bengaluru city limits. Out station delivery will be at extra cost. If for any reason the PAPER-SILVERTM booking is not converted within a maximum of 12 months from the date of purchase, C. Krishniah Chetty Group reserves the right to close such transactions and the paid amounts will be forfeited.

10. Original order form/ documents issued to client along with valid ID mandatory at the time of future actual transaction, for safety of clients.

Other terms:

Orders/Inspection Bills not allowed.

PAPER-SILVERTM may not be used for the purchase of gold or diamond jewellery.

The amount paid to buy C Krishniah Chetty's PAPER-SILVERTM cannot be adjusted to custom orders placed as different rate policy, GSTD or GAAP and other terms will apply. Strictly: Applicable only to ready stock silverware.

Image of C Krishniah Chetty's PAPER-SILVERTM on the e-commerce website exists as a composite photo for indicative purposes only.

If client wishes to cancel the C Krishniah Chetty's PAPER-SILVERTM (- Advance Booking 92.5% sterling silver) at any time within or after 11 months, cheque/ payment will be made to client at then prevailing date's rate, as per C Krishniah Chetty's buy-back policy, by cancelling order, and making payment.

No amount will be returned in cash. Payments will be made through cheque or bank transfer only.

If online item is selected, C Krishniah Chetty's PAPER-SILVERTM amount will be handled offline by the showroom concerned. Please call +91 80 4000 1869/ +91 4100 1869 for such assistance.

Partial sale not allowed for C Krishniah Chetty's PAPER-SILVERTM. Entire quantity must be utilised on one transaction, on same day at same showroom.

It is possible to book C Krishniah Chetty's PAPER-SILVERTM at all our 3 magnificent showrooms: The Heritage Showroom, Commercial Street, The Touchstone West, Margosa Road, Malleswaram and The Touchstone South, 5th Block, Jayanagar, Bengaluru.

No two promotions running, if any, may be clubbed. Discount vouchers, List of Legends vouchers, loyalty points may be used. Savings plans and this C Krishniah Chetty's PAPER-SILVERTM programme may not be clubbed on one item/ bill.

PAN Card and all compliances/ declaration rules apply.

The programme has been floated specially in line with difficulties for movement restrictions during COVID 19.

Terms and conditions are subject to change without prior notice. Management reserves the right to decide on any unforeseen situations and such decision shall be binding on the transactions.

Subject to jurisdiction of the courts of Bengaluru.

LIST OF LEGEND VOUCHERS

1. This voucher entitles you to a discount on your purchase of Diamond, Gold jewellery, Silverware and Corporate Gifts at the showrooms of C. Krishniah Chetty Group of Jewellers

2. No cash will be refunded

3. Not valid for coins, bullion and Diamond Solitaires of 1 carat and above.

4. Your purchase must be in multiples - for gold jewellery - 15 times, diamond jewellery - 10 times and Silverware - 15 times. For example: To use every Rs. 1000/- voucher you will need to purchase a minimum of Rs. 15000/- worth of gold jewellery, Rs. 10000/- worth of diamond jewellery & Rs. 15000/- worth of silverware at a time

5. Discount is limited to the maximum value of the voucher

6. Valid for a single purchase at a time only

7. Valid for one transaction

8. Part voucher may not be used

9. Vouchers that have been defaced or misplaced will not be replaced

10. Vouchers may be used to get discounts on custom orders placed, provided the billing date is before the expiry of the respective vouchers

11. Delays in order due dates will not be a reason for extension, validity will not be extended on any account

12. Vouchers/Voucher number need to be presented at time of billing.

13. Multiple vouchers may be used in one transaction

14. Net value of purchases should be in multiples of the value specified for gold jewellery, diamond jewellery or silverware of all vouchers used at a time and all vouchers need to be used before end of respective validity dates

15. Vouchers are not sold but issued as discount vouchers.

16. This facility may be discontinued, modified or cancelled at any time at the discretion of C. Krishniah Chetty Group of Jewellers.

17. Duplicates will not be issued

18. These vouchers may not be used by employees of C. Krishniah Chetty Group of Jewellers.

19. The decision of C. Krishniah Chetty Group of Jewellers is final and binding.

20. Only one offer may be availed at a time.

21. Two offers may not be clubbed together

22. Disputes, if any, are subject to the jurisdiction of the courts in Bangalore.

PAPER-GOLD TM-ADVANCE BOOKING TERMS

Ver 6. TERMS & CONDITIONS OF C KRISHNIAH CHETTY's CONTACT-LESS PAPER-GOLDTM 22 KARAT

FOR FUTURE JEWELLERY PURCHASES
To accompany order forms, receipts, and letter of intimation of C Krishniah Chetty's PAPER-GOLDTM
Buy gold from the risk-free comfort of your home with C Krishniah Chetty's Signature Rate ProtectionTM & More!

In view of current COVID-19 social distancing norms, C Krishniah Chetty Group introduces contact-less 22 Kt PAPER-GOLDTM. Book C Krishniah Chetty's PAPER-GOLD'TM now and select gold or diamond jewellery of your choice later at lower of C Krishniah Chetty's two rates* within 11 months from the date of booking.

OR

You may cancel your booking of PAPER-GOLDTM at any time before 12 months and the booking will be refunded on the prevailing rates during the time of cancellation duly applying C Krishniah Chetty's prevailing buy- back policies. You are requested to check with our showroom staff at the time you wish to cancel the PAPER-GOLDTM.

Definitions

1. Booking: Reserving specific quantity of gold under C Krishniah Chetty's PAPER-GOLDTM by paying advance at booking day's rate. It is not a sale.

2. C Krishniah Chetty's PAPER-GOLDTM: is a unique programme to benefit clients, which is different from our existing programmes running at C Krishniah Chetty Group.

3. Conversion: Redemption/Utilisation of C Krishniah Chetty's PAPER-GOLDTM against purchase of ready stock products at any of our 6 magnificent showrooms, which have not been selected/ finalised at time of paying an advance for undecided items by the client.
4. Withdraw: To cancel the booked transaction of C Krishniah Chetty's PAPER-GOLDTM and withdraw monies paid as advance at the time of booking PAPER-GOLDTM program.

3 easy ways to book under C Krishniah Chetty's PAPER-GOLDTM:

Visit any of our 6 magnificent showrooms: The Heritage Showroom, Commercial Street, The Touchstone Showroom, off Cubbon Road, The Touchstone South Showroom, 5th Block, Jayanagar, The Touchstone West Showroom, Margosa Road, Malleswaram, The Touchstone East Boutique, Phoenix Marketcity Mall, Whitefield & The Touchstone Airport Boutique, Domestic Terminal, Bengaluru International Airport, Bengaluru or Book C Krishniah Chetty's PAPER-GOLDTM online at https://www.ckcjewellers.com; or

Simply email us at: papergoldandsilver@ckcsons.com or papergoldandsilver@ckcjewellers.com; or WhatsApp us at:

The Touchstone Showroom, off Cubbon Road:
+91 96861 01869 - Santhosh R,
+91 97400 18421 - Gopal Singh,
+91 99459 01869 - Suman Maity

The Touchstone South Showroom, 5th Block, Jayanagar:
+91 97400 18415 - Prasad K K
+91 91081 78103 - Syed Jameel

The Touchstone West Showroom, Margosa Road, Malleswaram &
he Touchstone Airport Boutique, Domestic Terminal, Bengaluru International Airport:
91 99809 50819 - Sreehari R K
+91 98803 00277 - Prakasha J
+91 77609 76227 - Uma T P

The Heritage Showroom, Commercial Street:
+91 98803 00227 - Jayaraman

The Touchstone East Boutique, Phoenix Marketcity Mall, Whitefield:
+91 76250 35227 - Joy Antoney

Stating clearly: Your full name, address, PAN Card image if booking is over Rs 2,00,000 in one name, e-mail address, cell number, and C Krishniah
Chetty's PAPER-GOLDTM weight denomination required (PAN number is mandatory if the transaction value is Rs. 2,00,000 and above)

10 Advantages for booking of C Krishniah Chetty's PAPER-GOLDTM
1. Contact-less booking of precious 22Kt gold from the comfort of your home.

2. Book & pay for C Krishniah Chetty's PAPER-GOLDTM online at www.ckcjewellers.com/papergold

3. Buy ready-stock gold or diamond jewellery or gold coins at C Krishniah Chetty's normally applicable prices, within 12 months from the date of booking of C Krishniah Chetty's PAPER-GOLDTM at any of our 6 magnificent showrooms (Custom-Orders exempted).

4. *Gold Rate Protected - at lower of booking rate or prevailing 22kt gold rate on date of conversion whichever is lower. (For example: say C Krishniah Chetty's PAPER-GOLDTM booking rate is Rs ,500/pg and three months later C Krishniah Chetty's 22 Kt gold rate is Rs 4,600/pg, client will be charged Rs 4,500/pg for the quantity of C Krishniah Chetty,s PAPER-GOLDTM originally booked by the client).

5. If multiple PAPER-GOLDTM are booked, each PAPER-GOLDTM will be calculated at respective rates (lower of booked and billing date's rate) for the conversion to jewellery.

6. PAPER-GOLDTM is available in several easy denominations of :
5/10/15/20/25/30/50/100/250/500/1000 gms.

7. PAPER-GOLDTM entitles only to the weight of the gold purchased. The charges pertaining to labour, gems, diamonds, wastage charges, GST etc. are to be paid at the time of purchase.

8. The net weight of purchased jewellery must be equal to or more than C Krishniah Chetty's PAPER-GOLDTM booking weight.

9. All related bills/ documents will be sent/ delivered, after requisite intimation on phone/ text message/email/ person/ free insured courier, to your registered address if in Bengaluru city limits. Out station delivery will be at extra cost. If for any reason the PAPER-GOLDTM booking is not converted within a maximum of 12 months from the date of purchase, C Krishniah Chetty Group reserves the right to close such transactions and the paid amounts will be forfeited.

10. Original order form/ documents issued to client along with valid ID is mandatory at the time of future actual transaction, for safety of clients.

Other terms:

Orders/Inspection Bills not allowed.

PAPER-GOLDTM may not be used for Silverware or bullion purchases.

The amount paid to buy C Krishniah Chetty's PAPER-GOLDTM cannot be adjusted to custom orders, GSTD or GAAP as other terms and rate policies will apply. Strictly: Applicable only to ready stock products.

Image of C Krishniah Chetty's PAPER-GOLDTM on the e-commerce website exists as a composite photo for indicative purposes only.

If client wishes to cancel the C Krishniah Chetty's PAPER-GOLDTM (-Advance Booking 22 Kt Gold) at any time within or after 12 months, cheque/ payment will be made to client at then prevailing date rate, as per C Krishniah Chetty's buy-back policy, by cancelling order, and making payment.

No amount will be returned in cash. Payments will be made through cheque or bank transfer only.

If online item is selected, C Krishniah Chetty's PAPER-GOLDTM amount to be handled offline by the showroom concerned. Please call +91 80 4000 1869/ +91 4100 1869 for such assistance.

artial sale not allowed for C Krishniah Chetty's PAPER-GOLDTM. Entire quantity must be utilised on one transaction on the same day at the same showroom.

No two promotions running, if any, may be clubbed. Discount vouchers, List of Legends vouchers, loyalty points can be used. Savings plans and this C Krishniah Chetty's PAPER-GOLDTM programme may not be clubbed on one item/ bill.

PAN Card and all compliances/ declaration rules apply.

For conversion of diamond jewellery for C Krishniah Chetty's PAPER-GOLDTM, PAPER-GOLDTM gold weight and value will be considered at the same lower of the two rates as applicable for gold jewellery. Meaning value of gold in diamond jewellery must be equal or greater than C Krishniah Chetty's PAPER-GOLDTM booked.

The programme has been floated specially in line with difficulties for movement restrictions during COVID 19.

Terms and conditions are subject to change without prior notice. Management reserves the right to decide on any unforeseen situations and such decision shall be binding on the transactions.

Subject to jurisdiction of the courts of Bengaluru

Beat The Covid Blues !!! Ver 3

Beat the COVID Blues programme is a Bundle of Privileges at C. Krishniah Chetty Group of Jewellers till August 2nd, 2020.

Because we understand that this is a time for Empathy... and for high standards of Hygiene. And of course for a D Flawless kind of luxurious service.

1. Health comes first !
When you shop with us in our showrooms, Show us the Green status on the Arogya Sethu app and we will pass a discount of Rs 250/- on all transactions over Rs 25,000 as a small gesture, in order to help our national programme to control corona virus.

2. Insurance for COVID positive treatment:
We know how uncertain these times are! With the spread of COVID being so unpredictable... we will always be at risk till a proper vaccine is found... we at C Krishniah Chetty specially remember the Spanish Flu that began in 1918 lasted for 36 long months ! As our contribution and as a service we are taking upon us, at C. Krishniah Chetty Group to award you with one year of free insurance against COVID 19 for, God forbid, any case proven COVID positive, on transactions that cross Rs 25,000. This is available for all transactions at our physical showrooms as well as online on ckcjewellers.com. COVID positive treatment upto Rs 1 lakh will be covered. At any hospital that is government certified for COVID treatment. Only one cover per person is permitted by us.

3. Shop by appointment.
Would you like us to set up an appointment for you? Undisturbed shopping time ? We will gladly set a private appointment for you at any of our magnificent showrooms. Any day between 10.30 am and 5 pm. During COVID partial lock-down we close by 5.30 pm all days. Keeping strictly with social distancing norms, a sterile space, and a safe hygienic environment... shopping by appointment helps you plan your time and gives

you peace of mind.
Just call us on : plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine.

4. Pick and drop facility :
Do you have difficulty in finding a chauffeur to drive you to Krishniah CHETTY showrooms ? Not to worry... For all our Signature Loyalty programme List of Stars and Star Club gold & diamond tier members, We will gladly pick you up keeping with social distancing norms, from your home within 10 km from each of our showrooms. And of course we'll drop you back safely. We'll gladly do so in our sterilised luxury sanitised

well trained chauffeur driven cars.
Call us on plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine.

5. Did you find treasures at home during the Lock-Down ?
You worked hard during lock-down ! You cleaned your book shelves, old photographs, old cupboards.... Did you not find a whole lot of old and odd pieces of jewellery, but alas ! They're fading, lustreless, and don't you think it needs a coat of caring hands to polish and refurbish ? We know your feelings! We'll give you complementary... free cleaning, free polishing, free repairs, free re-design of your old jewellery & free valuation services... Of course provided there is no extra gold or diamonds or silver precious materials used. Call us on plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine.

6. Would you like to remodel old jewellery into something new??
Now is also the time to remodel your grandma's unused, broken, tarnished, out-style jewellery, silverware, and diamonds. Get them out of your lockers & now your very clean cupboards. We'll give you some rare privileges. The more challenging the order the more our sales & design teams will enjoy doing that for you!

7. Special discounts till August 2nd, 2020 on gold and diamond jewellery:
As a woman, I know know how much you love bangles... wrist-wear...neck-chains & neck-wear ! So let us surprise you with a COVID discount of 5% on gold wrist wear, and neckwear only & 9% on all diamond jewellery except solitaires over 99 cents.

8. More value to your daily discount vouchers:
Let's face it! We all are probably earning less than the pre-COVID times... We have lost money on real estate, on our stocks and share investments.... But it's a time to rejoice for keeping COVID at bay !
To keep the celebratory spirits up, we will be increasing the value of the daily discount vouchers that you have received for many decades....at our showrooms.... maybe you should consider this as a small take back gift from us!

9. Double points for your anniversaries & birthdays :
As most of our clients have been loyal to us for decades... if not centuries, and over succeeding generations... We take your loyalty seriously. Allow us to celebrate your birthday and anniversary purchases with double points... yes, that will be in addition to any other offers that are available.

10. Many ways to shop from your home :
Don't let the restrictions on movement or fear of going out restrict your indulgences. We'll make your life beautiful.

Let me present to you our revolutionary Paper- Gold:
You can invest in the safety of 22 Kt gold sitting at your home. We call it CKC's Paper-GoldTM - available in fixed denominations from 5 grammes, 10,15,20,25,30, 50, 100, 250 all the way upto 1000 grammes... you can pay online by credit card, bank transfer, by payU, etc., online, or even cash at our showrooms, and Exchange CKC's Paper-GoldTM for fine gold or diamond jewellery within 11 months. What's more... when you exchange Paper Gold for jewellery within 11 months, you will be charged either the Paper Gold booking rate or jewellery delivery date rate... whichever is lower. Thereby getting the best value on your booking for 22 Kt gold. We will send you all the documents within 4 working hours to your email address. As we also know that COVID 19 has so many uncertainties, we are willing to let you withdraw the booking within 11 months... And we will pay you at the then prevailing rates for 22 Kt gold, at our normal buy back prices. This is Paper Gold which has been greatly appreciated by many clients already! Because we care for you! Paper gold booking is only valid till August 2nd 2020.

11. Tried shopping at our online Shop ? It's fun... try it today :
Just visit ckcjewellers.com, From the comfort of your home! Shop and get delivery within few days, as you select the ready made jewellery from our online shop : www.ckcjewellers.com. You'll get the same prices as in our physical showrooms. Try it out! A good thing is that whether you buy online or from our magnificent showrooms the prices are exactly the same. Including the discounts of 5% on gold wristwear and neckwear and 9% on all diamond jewellery. As you shop online, you will also get Free delivery to your home... also when you shop online you get a 10 days no-questions-asked 100% money back guarantee.

12. Do you wish a video shopping experience from the comfort of your home ?
Not very technology friendly? You don't like computers? No problem... We will let you see us on a video call...on your iPad or smart phone... like you video speak to your children or grandchildren when they are far away in another country! Well be glad to do so. Just call us on plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine.

13. Would you like us to visit you at your home or office with jewellery ?
Would you like us to visit your home or office with our stock of jewellery? So long as it is safe, we will be glad to do so. We will be accompanied with our security team, and we are just a call away. Pre-book an appointment and we will come keeping with norms of social distance, hygiene and all the precautions required. (We may ask you for certain details, for safety reasons). Call us On plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine.

14. What about your pending orders and delayed instalment payments ?
We know you are concerned with your pending orders, instalment programmes and other ongoing transactions with us during the COVID lock down.
We know you may have missed collecting your jewellery in time with the Lock-Down restrictions. Unfortunately the rates of gold has risen to unprecedented levels in this time. As much as this shows the strength of this wonder metal, called gold, we understand how this will put a burden on you as our valued clients. To help you in such pressing times... all pending orders that were fully ready and due for delivery on or before March 21st, and now if taken delivery and billed before June 30th 2020 will be charged as per gold rates that prevailed at time of order or as on Saturday 21st March, whichever was higher, as per normal order terms, after which the lock-down came into force. You may therefore escape the high gold rates prevailing currently.

15. Rate Protection Plan instalment payments delayed ?
It is possible that you may have not been able to make instalment payments on time under our Signature Rate Protection PlansTM. Again we have disabled the delay provision for for delayed payments for Rate Protection PlansTM till August 2nd 2020. Hence any delayed Rate Protection PlansTM instalments which were unable to be paid in time for months of April, May,June and July do not suffer denial of benefits, provided the instalments are paid by August 2nd 2020.

16. Are Discounts available on new gold wrist and neckwear and diamond orders ?
Yes, provided you make 80% advance payment for such orders. Till August 2nd 2020.

17. Do you possess expired List of Legends Vouchers?
It is possible you hold our special List of Legends discount vouchers issued to you over time which may have expired or will expire soon. Due to the lock-down we have already extended the expiry dates till June end 2020. All you need to do is to produce the vouchers and you will be accorded the privilege automatically.

18. Discounts of Sterling silverware.
You will be happy to note that we are introducing silverware at outperform Touchstone South showroom in JAYANAGAR. At all three silverware selling showrooms - Heritage showroom on Commercial Street, The Touchstone South Jayanargar and at the Touchstone West Margosa Road, Malleswaram showrooms a 4% discount is available on the entire silverware collection.

19. To view all these in writing, please visit www.ckcjewellers.com or visit our showrooms and our trained relationship managers will gladly help you.

20. For any clarifications call us on plus nine one four triple zero eighteen sixty nine or plus nine one four one double zero eighteen sixty nine. Or
e-mail us at myjeweller@ckcsons.com or customercare@ckcjewellers.com

Thank you for your valuable time.

Custom Order

In the event you desire to place special custom orders for any particular items you may do so, subject to the possibility of manufacturing of the item and the time consumed for such manufacture and such process. Orders will be billed and delivered only after maturity of the instalment under the plan.

BARTER

Bartering gold/silver/diamonds is possible as per CKC's normal terms of business.

CUSTOM ORDERS - RATES

1. Custom orders may be placed prior to maturity date in anticipation of maturity values and dates.

2. Rates for order billed before maturity date will be as per CKC normal order rates and not GAAP/GSTD rates.

3. (All other Terms and Conditions as applicable to all orders will apply to GAAP members also)

GENERAL TERMS OF SALE

Goods once sold are not subject to return. In exceptional circumstances, the return shall be subject to the conditions of return as expressly stated herein above. CKC shall be bound by the warranty on the items purchased. In the event of a conflict between these Terms and Conditions and any terms specified on the product warranty, the terms and conditions on the product warranty shall govern the sale.

Dents, breakages, colour changes, or any other consequences of usage will not warrant a free exchange, repairs and/ or replacements.

CKC manufactures jewellery with care and caution. However, when jewellery is set with gemstones, some gemstones may come loose on rare occasions. If such stones that were supplied by CKC come off their setting, they will be replaced free of cost, if brought to us in original condition without damage and without any tampering, within 365 days from invoice date.

CKC manufactures jewellery and silverware in various purity grades which are mentioned on the bill. The purity grade so mentioned will be the lowest purity grade used in the product and the product may actually use higher purity grades in part or whole.

''Melting purities' mentioned are as would be when the item is melted and the homogeneous sample is tested with a 'Fire Assay' test. Other non-destructive tests may display different results. CKC's non-destructive tests are also available on request. Our in-house X-Ray forensic equipment is available for testing too.

We do not negotiate prices and all prices are final. Prices include cost of material, labour charges, manufacturing wastages, Gemstones, profits and margins, packaging, delivery, insurance and handling charges for deliveries within India.

Gold and silver metal rates mentioned on the bill are for reference purposes only and do not include the above charges.

You are requested to preserve the "Cash Bill" for all future transactions regarding the items contained therein. Under GST this is the "Tax Invoice". GST rate is 3% for any purchases delivered in Karnataka, Central Sales Tax (CGST) of 1.5% is applicable and State Sales Tax (SGST) of 1.5% is applicable, Interstate Sales Tax (IGST) of 3% is applicable for purchases delivered in other states within India. The term Sales Tax is to be construed as "Goods and Service Tax". Rates of taxes and duties are subject to change and charged as on date of billing.

Billing amount will be round off to nearest 10.

CKC Buy back terms may vary from time to time. You are requested to check with our showroom staff at the time you wish to re-sell, exchange, upgrade or convert your piece into other jewellery.

The Diamonds sold under this guarantee have been sourced from legitimate sources not involved in funding conflict and are in compliance with United Nations resolutions.

The seller hereby guarantees that these diamonds are conflict-free, based on personal knowledge and written guarantees provided by the sources.

In case at the time of delivery if the product ordered by client got sold in our offline store then in this case we are unable to deliver the order. The amount client have paid for the order will be refunded.

Although CKC provides a safe shopping & working environment, the company will not be responsible for personal belongings left, or lost while in the premises. We recommend cover through your personal insurance.

Various portions of our premises may be under CCTV surveillance. Further, any and all images, photographs, videos taken of people & events, testimonials, feedback, etc., in the premises or at our carefully curated instore or online or at external events, may be used for marketing, promotional purposes at any time.

Measurements are in metric system.Other units of measurements where mentioned are for convenience of clients.

Disputes, if any, are subject to the jurisdiction of the courts of Bangalore.

GUARANTEE FOR DIAMOND
This guarantee puts our seal on your trust & faith thus ensuring authentic quality. We guarantee that in all jewellery containing diamonds, the diamonds are natural diamonds of fine grades and fine proportions. They possess a rare intrinsic quality and are hand-picked individually from the best raw materials from the finest mines and sources. This assures you authenticity forever. CKC's standardized quality for diamonds below 0.23 cts are of quality "IF" (Internally Flawless) to "VVSI" and for color in the range of "D", "E", "F" "G" & "H" cut to fine proportions and are guaranteed internally by CKC strict quality control process.

Diamonds equal and greater than 0.23 cts are individually certified and are available in a colour range from "D" to "J" and clarity range from 'Flawless' to "SI2" respectively. Such diamonds may be additionally graded/ by reports by an external third-party laboratory.

All diamonds will conform to CKC's internal quality standards for quality of raw material, quality of brilliance, fire, scintillation and over-all "Life" in addition to proportions. Proportions of all diamonds must conform to minimum standards at CKC. We do not use "commercial" or "low grade diamonds".

Diamond grading reports are detailed documents created after careful examination of each diamond by quality diamond experts. The diamond report number and our identification marks are inscribed on all our diamonds. Hence, we require each diamond grading report to be returned with any diamond that was originally supplied. If the diamond grading report is missing or not returned with the returned product, a handling fee will be levied. The cost of such levy is as applicable at time of return.

CKCJ guarantees all diamonds to be natural and untreated in any manner. Only black diamonds sold by CKCJ may be treated. Coloured diamonds are natural and untreated.

GUARANTEE FOR GOLD AND SILVERWARE
CKC guarantees the purity of the gold and silverware as stated in your bill.

Gold jewellery is manufactured in 24 kt, 22 kt and 18 kt purities. The same is indicated along with the product specifications.

Gem stones are natural and may be untreated or treated. It is widely accepted that gemstones other than diamonds may be treated in some manner. CKC ensures that such treatment is permanent or irreversible. When an exceptional gem stone is untreated especially with regard to rubies, emeralds, blue sapphire, an independent report/certification to its untreated nature will be issued separately. Untreated gems are rare and are sold independently.

KEEPING YOUR JEWELLERY BEAUTIFUL
Should your jewellery/Silverware need repairs we will make the appropriate repairs, subject to the "Terms and Conditions" stated on your bill.

Breakages, dents and colour changes or any other consequences of usage will not warrant free repairs or replacement.

LONG RUN COMMITMENT
The Site ordinarily does not offer buy back transactions. Buy back terms at CKC retail showrooms may vary from time to time. You are requested to check with our showroom staff at the time you wish to re-sell, exchange, upgrade or convert your pieces into other jewellery.

BUYING MANY ITEMS AND RETURNING SOME.
CKC does not allow buying many items for comparison with intent to keep the one you like best and return of the others. This leads to locking inventory and we are subject to increasing overheads. Hence we discourage this practice. If you wish to know more about the product please contact us through the contact information provided herein, prior to ordering online and our staff would be happy to help you to make your decision.

RISK OF LOSS
All items purchased from CKC are made pursuant to a shipment contract; the risk of loss and title for such items passed to you upon delivery of the items by the courier.

LIST OF LEGENDS VOUCHER
1. This voucher entitles you to a discount as above, on your purchase of jewellery at the showrooms of C. Krishniah Chetty Group of Jewellers
2. Please note that some showrooms carry only certain kinds of jewellery
3. No cash will be refunded
4. Not valid for coins, bullion
5. Your purchase must be in multiples - for gold jewellery - 15 times, diamond jewellery - 10 times and Silverware - 15 times. For example: To use
every Rs. 1000/- voucher you will need to purchase a minimum of Rs. 15000/- worth of gold jewellery, Rs. 10000/- worth of diamond jewellery
& Rs. 15000/- worth of silverware at a time
6. Discount is limited to the maximum value of the voucher
7. Valid for a single purchase at a time only
8. Valid for one transaction
9. Part voucher may not be used
10. Vouchers that have been defaced or misplaced will not be replaced
11. Vouchers may be used to get discounts on custom orders placed, provided the billing date is before the expiry of the respective vouchers
12. Delays in order due dates will not be a reason for extension, validity will not be extended on any account
13. Vouchers need to be presented at time of billing
14. Multiple vouchers may be used in one transaction
15. Net value of purchases should be in multiples of the value specified for gold jewellery, diamond jewellery or silverware of all vouchers used
at a time and all vouchers need to be used before end of respective validity dates
16. Vouchers are not sold but issued as discount vouchers
17. This facility may be discontinued, modified or cancelled at any time at the discretion of C. Krishniah Chetty Group of Jewellers
18. Duplicates will not be issued
19. These vouchers may not be used by employees of C. Krishniah Chetty Group of Jewellers
20. The decision of C. Krishniah Chetty Group of Jewellers is final and binding
21. Only one offer may be availed at a time
22. Two offers may not be clubbed together
23. Disputes, if any, are subject to the jurisdiction of the courts in Bangalore.

SHIPPING AND DELIVERY

Delivery is currently made only within India, although international deliveries may be made subject to prior approvals (email customercare@ckcjewellers.com). CKC may accept orders from persons residing outside of India subject to legal, regulatory and other restrictions, provided the delivery address is in India and the payment on the credit card is validated. However, International deliveries may be accepted on a case-by-case basis subject to the possibility of shipping to and the export regulations governing such country. Users choosing to access this Site from locations outside India are solely responsible for compliance with local laws if and to the extent local laws are applicable.

In order to place an order on the Site, it is necessary to specify the address and details of the person who will collect the shipment at the time of purchase. At the time of placing the order, you have to state the full name of the recipient as stated in his / her government approved photo identification and provide the method and details of photo identification intended to be presented by the recipient. At the point of delivery, in order to collect the physical product, the recipient will have to provide any one of the following government approved valid photo identification cards as previously indicated at the time of order placement:

1. Ration Card;
2. Drivers License;
3. Permanent Account Number (PAN) card;
4. Voter's Identification Card; or
5. Passport.
6. Aadhar card.

Delivery shall be made by the courier agent only after the photo and name of the recipient is verified and confirmed by such courier agent. To ensure safe and secure delivery of the package the courier agent will also note down the details of the government photo identification. The recipient of the package must cooperate with the courier or delivery agent by providing required and valid copies of his / her government approved photo identification. All information collected during this process shall remain subject to CKC's Privacy Policy.

In case you want any other person to receive the delivery on your behalf you need to specify details of the same at the time of ordering (as specified above) and delivery to such person under your instructions shall be deemed to be a full and complete delivery and you shall take all responsibility for any such delivery. All items shall be delivered directly to the person as specified at the point of ordering and CKC will be unable to (under any circumstances whatsoever) change the recipient details once the order has been processed.

All shipping charges and other local charges shall be borne by you. Recipients accepting delivery should not accept deliveries where the box or packaging has been tampered with or if the box is empty. The recipients receiving the delivery must open the package and check its contents prior to accepting the delivery and/or signing the delivery receipt. If you find the box tampered with or empty or inconsistent with the order placed as stated in the order form, in addition to not accepting such a delivery the authorized personnel at CKC must be contacted without any delay whatsoever. The relevant contact information has been provided hereinafter.

If the recipient is not available at the time of delivery, the courier/delivery company shall try and deliver the item thrice before returning the same to CKC. All costs of re-shipment and handling in the case of non-delivery shall be chargeable to the user.

Delivery guarantee is subject to terms and conditions of the courier company. Any inconsistencies in name or address will result in non-delivery of the product. In the event that a non-delivery occurs on account of a mistake by you (e.g., wrong name or address, failure to provide specified photo identification) any extra cost incurred by CKC for re-delivery shall be claimed from the person placing the order.

INTERNATIONAL DELIVERY AND SHIPPING

International orders are accepted subject to possibility of shipping and the export regulations governing such country. Please make telephonic enquires (+91 80 4100 1869 during working hours IST 10.30 am to 7.30 pm all days of the week) prior to placing orders. Local dues should be paid by the purchaser as per rules in each country. We are reachable at the contact information as provided herein prior to ordering online and our staff would be happy to assist you. India is 5 ½ hours ahead of GMT (Greenwich Mean Time).

Delivery shall be deemed complete once the package is delivered to and signed by the designated recipient as stated at the time of the order. Once the delivery slip is signed and the package accepted by the authorized recipient, CKC has completed its service to you and shall not be liable thereafter in any capacity whatsoever.

TIME PERIOD FOR DELIVERY

The time within which the item purchased is delivered to you may vary based on the availability of the items in the inventory (the availability of stock may be indicated alongside such item on the site while ordering), the location of the delivery and/or the customizing of the items purchased as requested by you.

Should the item be available in CKC's inventory, delivery can be made within 10 - 15 days anywhere in India. In the case of International Shipping and deliveries, depending on the export procedure for each country, CKC can make the delivery in a time period of 8 weeks (or as confirmed separately).

For items that require CKC to customize items as specified to CKC, a minimum of 5 weeks and a maximum of 12-15 weeks (or as specified separately) would be required depending on the complexity of the items to be customized. For an export item, an additional 15 days over and above the time to manufacture the item would be required before the item reaches you.

Delivery estimates are indicative/illustrative only and actual delivery times may vary. In the event that your delivery request is time sensitive, you are requested to contact CKC in advance of placing your order. You may receive updated delivery information at any time by contacting us via e-mail or phone as provided in the contact information which is provided hereinafter.

PROOF OF ORDER

The submission of the ordering form is a confirmation by you of the selected item/s of jewellery ordered by you and acts as a record of the same.

GIFTING

Special gifting options are available, subject to additional charges, which shall be specified at the time of check-out. Recipient will have to provide a government approved photo identification card (like passport, driving license, election card etc.) to collect the physical product. As it is a mandatory courier regulation, the price of the gift will be mentioned in full or in part on the external cover. Any applicable tax, including any gift tax shall be borne by you.

SPECIAL PROMOTIONS

In the event of any CKC special promotions, schemes and programmes, the specific terms and conditions of such promotions, schemes and programmes as communicated in any documentation relating thereto shall apply in each relevant case. These Terms and Conditions shall continue to apply in all respects to the extent these do not conflict with the terms of such promotions, schemes and programmes.

RETURNS & CANCELLATION

Conditions For Retruns & Cancellation

Cancellation before product has shipped:
If you cancel your order before your product has shipped, we will refund the entire amount.

10 Days Money-Back Guarantee
Returns of any item(s) purchased on the Site will be governed by the general CKC Returns & Cancellation Policy. :

Please maintain all original packing and material for 10 days after receiving the items. All items must have the original security tag, label and certificate and must be returned in the same conditions as delivered by CKC.

Any item returned showing signs of wear or engraved, altered, re-sized (by CKCJ or anyone / entity other than the CKC) or damaged in any other manner shall not be accepted for return or exchanged for other jewellery products available on the Site for an equivalent value or higher only.

Custom orders (and with engraving, special ring size, etc.) cannot be accepted for return, refund or exchange.

All shipping and handling expenses involved in the return of the item(s) shall be chargeable to you.

All requests for return of product have to be placed within ten (10) days from the date of delivery. No return requests after ten (10) days from delivery will be processed.

Once the return is confirmed at the call center, CKCJ will send a packaging cover, which is to be used to return the product. The item is to be packed in front of the courier agent.

All requests for returns shall be effected so as to reach CKC to be addressed to the address mentioned herein within 30 days (Thirty Days) to a maximum of 37 days to allow for transit time for return from the date of original receipt, in a specially provided envelope/package that will be sent to you on your intimating CKC of your basis of dissatisfaction with the item(s) via phone/email stated herein

After the product has duly reached our office and after the satisfactory inspection of the product for its condition and accuracy, we will refund the applicable amount to your credit card after deducting reasonable processing expenses, as necessary

DISCLAIMER

All items of jewellery are subject to availability. While CKC endeavours to provide the most accurate, up-to-date materials available, the information, materials, products, pricing, and services available on this site may include inaccuracies, typographical errors, or outdated information. Moreover, CKC may make modifications or changes to the site or the information, materials, products, and services described in this site at any time, for any reason. CKC is not responsible for and need not honour typographical or pricing errors on the site; CKC reserves the right to refuse or cancel orders at any time, including but not limited to orders that contain incorrect prices or product descriptions, orders in which CKC believes the customer has violated applicable law, and orders that CKC believes are harmful to it or its affiliates. You are encouraged to clarify any queries you might have in advance of placing your order. You may contact us via e-mail (customercare@ckcjewellers.com) or phone (+91 80 4100 1869) as provided in the contact information, provided hereinafter.

You assume the sole risk of making use or relying on the information, materials, products, and services available on this site. CKC makes no representations about the suitability, completeness, timeliness, reliability, legality in your jurisdiction, or accuracy of the information, materials, products, and services described or contained in this site for any purpose. Except as set forth in any warranty policy statement applicable to products sold on the Site, all information, materials, products, and services are provided 'as is' and 'as available' without warranty of any kind, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

Unless otherwise specified, the materials on the Site are displayed solely for the purposes of promoting CKC's products and services available in India and for shipping within India.

Digital Payment

Digital Payments Will Have Its Own Confirmation/s.

EXTENSION OF PLAN

Extension of plan is not permitted beyond 11 months.

PAYMENT TENURE

While enrolling, if you select the monthly/ quarterly/ half yearly/ yearly/ one-time payment option, as available, even after extension of the plan, you would have to pay all instalments as committed on enrolment to claim benefits on maturity.

MODE OF PAYMENT & OBTAINING RECEIPTS

Payment may be made by Cash, Post-dated cheques; online, ECS, Demand Draft or Credit/Debit Card. Cheques are also accepted by the Company subject to realization. You may also make part or all instalments by post - dated cheques, given to the Company in advance. Cheques and Demand Drafts should be drawn in favour of "C Krishniah Chetty Jewellers Pvt. Ltd., or C. Krishniah Chetty & Sons P Ltd.", as case May be You will receive receipts for all payments made at the time of making the payments, either physically or through emails.

Post-dated cheques ensure your payments are not delayed or missed.

ID Cards And Receipts

Importance Of Identity Card & Receipts

Please note that the amounts at your credit can be availed by the member at our off-line physical showrooms on production of your identity card after successful enrolment and all receipts issued to you during the plan period.

You are strongly advised to bring your Identity card and fill the "Enrolment application form and subsequent instalment payment form" every time you make a deposit to ensure that your amount is accurately credited.

In case you send the payment by mail/courier ensure to write your Name and Membership number behind the instruments/cheques/DD. Postal & courier delays and holidays will not be the responsibility of CKC. Staple your Cheques/DD's to your covering letters.

Rate Protection Plan

UNIQUE BENEFIT

1. Book Gold, Diamonds, Platinum and Silver rates as you pay your instalments.

2. Buy at the â??averagedâ?? rates.

3. Facility to switch over to cash benefit and buy at current rates at the time of maturity.

ELIGIBILITY AND INHERITANCE

Any individual (18 years and above) / Company Sole Proprietorship or Partnership firm. Minors may also be enrolled through his/her guardians/nominees. Persons may also nominate another individual who may utilize the gold/diamond/silver at credit or continue the investment plan or utilize the total quantity accrued at the end of the period. In the event of death of the individual, the nominee shall produce the identification card and all receipts of payments made, before being able to utilize the quantity available in his/her/their account.
MISSED PAYMENTS DO NOT EXTEND YOUR MATURITY.

  • Reminders may be given by a Telephone Call / SMS / Emails, where cell numbers / Email addresses are furnished. This is a service and failure to receive such intimation shall not be a reason for delayed payment.
  • Reminders may be sent 7 days before due date. Non-receipt of reminders shall not be reason for delayed payments.
  • C. Krishniah Chetty Group of Jewellers reserves the right to alter, amend, add or delete part or whole, of the terms, conditions and privileges of the plan without prior notice. Subject to rules and regulations and laws in operation in India from time to time.
  • The decision of the Management of C. Krishniah Chetty Group of Jewellers shall be final and binding on all participants of this plan with regard to any of the matters relating to the plan.
  • C. Krishniah Chetty Group of Jewellers is the sponsor of the plan and reserves the right to suspend / cancel / amend the plan at any time. In such an event you may purchase any item for sale in the showroom equal to the value of money accumulated as on that date.

    NEW! You may club amounts or weights from multiple plans to purchase an ornament.

    (Provided the plans are enrolled in same name)

    NEW! The amounts may be used to buy gemstones and gift articles too.

    NEW! Get additional “Birthday Gift Benefit“ on your Birthday! Additional benefits are automatically applied to the installment paid during the month of your Birthday! Enjoy higher benefit on higher instalment amount paid on your special day!

  • There are no prizes or draws related to The Gold Standard 1869TM or The Gold Advantage Advance Purchase Plan (GAAP) The Rate Protection PlanTM.
  • Please do not divulge your login/Password at any time for on-line transaction.
  • We will not ask for your login id and password at any time.
  • Average Rates will not apply to diamond, solitaires- however cash purchase may be availed.
  • Disputes, if any, are subject to the jurisdiction of the courts in Bengaluru.
  • Cash or Quantity benefit between 9% to 12% per annum rates are subject to change. Benefits remain unchanged as at the time of enrolment.
LIVE CASE EXAMPLES

% OF GAIN IN QUANTITY OF GOLD JEWELLERY PURCHASED OVER THE LAST 11 MONTH PERIOD

LIVE CASE EXAMPLE*
Percentage of gain (loss) in quantity of gold jewellery purchased over re last 11 months period
Installment month Installment amount (Rs) Additional Benefit @10% per annum (Rs) Birthday benefit 10 % on amount of installment additional for the month (Rs) Gold Rate 22 Kt per gram applied at (Rs) Accrued gold Wt in Qty benefit option @ 10 % per annum (Grams) Accrued cash benefit in “Cash Benefit” option @10% per annum (Rs)
Feb-22 10000 916.66 83.33 4,490.99 2.431 1,000.00
Mar-22 10000 833.33 4,747.98 2.282 833.33
Apr-22 10000 750 4,844.00 2.219 750
May-22 10000 666.67 4,838.01 2.205 666.67
Jun-22 10000 583.33 4,729.99 2.237 583.33
Jul-22 10000 500 4,783.98 2.195 500
Aug-22 10000 416.67 4,725.01 2.205 416.67
Sep-22 10000 333.33 4,650.02 2.222 333.33
Oct-22 10000 250 4,625.01 2.216 250
Nov-22 10000 167.67 4,635.01 2.194 167.67
Dec-22 10000 83.33 4,880.01 2.066 83.33
Total Rs.110000 Rs.5584.33 24.489 Grams Rs.5584.33
Billed day's gold rate per
gram (Rs)
Rs. 5140.01 Billed days gold amount 24.489
grams X 5140.01 Rate Per Gram
Rs.1,25,873.70
Billed day's “Average” rate applicable
Rs. 1,10,000/ 24.489 Grams
Rs. 4491.81 Applied “Average” rate gold amount
24.489 Grams X 4491.81 Rate Per Gram
Rs.1,10,000.00
Gain under “Weight” option Rs. 15873.76
(Rs.1,25,873.70 - Rs.1,10,000.00)
Gain under “Cash” option Rs. 5584.33

For all on time installment payments, Rs.11,000 worth Discount vouchers (with multiplier condition) is issued. Note: If gold rate on billing date is lower than 'averaged', option to switch to “Cash Benefit” is available.

An example:
One pair gold bangles
Year Gross Weight (Gram) Net Weight (Gram) Normal Price (Rs) Rate Protection Plan Price (Rs) Rate Protection Plan Gain (Loss)
2023 41.75 41.01 264380 248030 16350
2022 41.75 41.01 233440 226220 7220
2021 41.75 41.01 230340 224590 5750
2020 41.75 41.01 201550 181390 20160
2019 41.75 41.01 168450 158790 7660
Past 5 years “ Average Rate” Gold Rate Per Gram
Year Month 11 Months Average rate Per Gram (Rs)
2017 Feb-Dec 2754.27
2018 Feb-Dec 2872.90
2019 Feb-Dec 3022.88
2020 Feb-Dec 4399.91
2021 Feb-Dec 4204.57
2022 Feb-Dec 4722.72

DISCLAIMER: *Live Case Example taken from past date Past performance is not an indication of future performance. Gold, silver, diamonds and platinum rates are subject to market fluctuations. Subject to terms and conditions of operation, issued separately and on www.ckcjewellers.com *22kt Gold rates: Jan 2010 Avg - Rs. 1441.24 per gm. Jan 2016 Avg - Rs. 2366.79 per gm. Other normal charges are applicable.

how much jewellery will you need?
jewellery planner - a 10 year horizon
Family Income per annum Family Income per Month Recommended Systematic Instalments per Year Recommended Systematic Instalments per Month
3 lakhs 25,000/- 11,250/- 900/-
6 lakhs 50,000/- 22,500/- 1875/-
12 lakhs 1,00,000/- 45000/- 3,750/-
24 lakhs 2,00,000/- 90,000- 7500/-
36 lakhs 3,00,000/- 1,35,000/- 11,250/-
60lakhs 5,00,000/- 4,50,000/- 37,500/-
1.2crore 10,00,000/- 9,00,000/- 75,000/-
1.8crore 15,00,000/- 13,50,000/- 1,12,500/-
2.4crore 20,00,000/- 18,00,000/- 1,50,000/-

Disclaimer: The past record is an indication of the future, and the amount of money saved will depend on the kind of jewellery you purchase.

The Grand 1869 Sale

TERMS AND CONDITIONS FOR GRAND 1869 SALE

FOUNDERS DAY SALE FEB 2024 - V2


v  Promotion period Feb 14th 2024 till Feb 29th 2024.

v  Name: The Grand 1869 Sale™.

v  Discounts of 5% on gold jewellery, silverware, silver jewellery, Mettle Collection™ and loose gemstones, 9% on platinum, diamonds, diamond jewellery (solitaires over 0.99ct exempted), 18.69% on single pieces of diamond jewellery over Rs 18.69 lakhs, 18.69% on multiple pieces of same jewel type jewelery in same bill totalling 18.69 lakhs or more, 9% for all Lab Grown (Crash.Club)  Diamond jewellery.

v  Coins, bullion and diamond solitaires over 0.99ct ach, are exempted from discounts.

v  Jewellery with solitaire > 0.99ct to eliminate solitaire and remaining item will receive discount as applicable.

v  The promotion applies to ready sales billed before 29th Feb 2024.

v  Discounts will be applied to New Orders/Selected Order/New IBs provided they are billed before 31st March 2024, with Order advance to be minimum 30%. Orders deliver dates will be as per time required to manufacture, hurrying may result in avoidable reworks.

v  Travel the World™ promotion eligible for all clients on purchases over Rs 10 lakhs per bill, in same name/ ID, chosen automatically (no need to fill forms, but full address and email is mandatory. Without full name and address and email such bills will not be eligible) on all bills made till December 31st 2024. Travel dates will be post April 2025. Terms and conditions apply separately.

v  55% Additional points for Loyalty members for all tiers, on all eligible transactions, I.E. 1.55x of normal points during this promotion.

v  Brilliant Bargains™ continue as is at 5% on gold and silver and 9% on diamonds (solitaires over 0.99ct exempted) and 18.69% on diamond jewellery over Rs 9 lakhs each.

v  Solitaires of and over 1 ct will get discounts of 1.50%.

v  LOS points can be redeemed along with this promotion.

v  No two promotions may be clubbed.

v  Discount Vouchers, Daily Discount Voucher or Others may not be clubbed with this programme.

v  My Day discounts may not be clubbed with this programme.

v  Pre-Loved jewellery excluded from this promotion vV will apply automatically but user must remove manually. No discounts for Pre-Loved.

v  PaperGold and PaperSilver sales excluded from this discounts/ promotion. Paper Gold and PaperSilver bookings made earlier eligible for promotion in case of sales at lower of purchase date or billing date rate which ever is lower. Misuse of this product is prohibited.

v  Earlier sales will not be accepted as sales returns to avail of this promotion now, under any circumstances. Any purchase of earlier sold items will be subject to usual buy back rules of loss of wastage, labour, gemstones etc.

v  PAN card or Form 60 required as usual for transactions of and over Rs 2 lakhs. 

v  Earlier Orders may not be cancelled, taken back or and billed later. Any requested for cancellation must entail costs such as cancellation charges, labour, wastage, and no discounts to client.

v  Rate Protection Plans will get higher benefit at 12% pa for all enrolments between 14th Feb 2024 and 29th Feb 2024.

v  Crystal Museum entry with appointments as usual

v  Free gift eligible for all clients as follows (on minimum purchase of 5 pieces in one bill & It may include discounted & non discounted products)

Single Bills between Rs 25,000 & Rs 1,00,000 – clients may choose pieces from Mettle Collection worth Rs 1500/- or lower

Single Bills between Rs 1,00,001 & Rs 2,00,000 – clients may choose pieces from Mettle Collection worth Rs 4,500/- or lower

Single Bills between Rs 2,00,001 & Rs 3,00,000 – clients may choose pieces from Mettle Collection worth Rs 7,500/- or lower

Single Bills between Rs 3,00,001 & Rs 5,00,000 – clients may choose pieces from Mettle Collection worth Rs 12,000 /- or lower

Single Bills between Rs 5,00,001 & Rs 7,50,000 – clients may choose pieces from Mettle Collection worth Rs 18,500 /- or lower

Single Bills between Rs 7,50,001 & Rs 10,00,000 – clients may choose pieces from Mettle Collection worth Rs 26,500 /- or lower

Single Bills between Rs 10,00,001 & Rs 15,00,000 – clients may choose pieces from Mettle Collection worth Rs 37,500 /- or lower

Single Bills between Rs 15,00,001 & Rs 20,00,000 – clients may choose pieces from Mettle Collection worth Rs 52,500 /- or lower

Single Bills between Rs 20,00,001 & Rs 25,00,000 – clients may choose pieces from Mettle Collection worth Rs 67,500 /- or lower

Single Bills between Rs 25,00,001 & Rs 35,00,000 – clients may choose pieces from Mettle Collection worth Rs 90,500 /- or lower

Single Bills over Rs 35,00,000/- clients may choose pieces from Mettle Collection worth Rs 1,10,000 /- or lower

 

All Mettle Collection items will be displayed in Salon sections and client may choose any number of pieces within the allotted value as per their bill. One RM will help clients and bill them in Salon with bill reference and value for internal audit daily. MM will ensure stock is available of different ranges in quantity required periodically. In exceptional cases upto 5% additional is allowed if stock is not available exactly as per the eligibility.

 

v  No cash or credit note will be issued in any event.

v  Decision of C. Krishniah Chetty will be final and binding in any case. This programme may be extended, curtailed, discontinued at any time as decided by the Management.

Subject to jurisdiction of the courts of Bengaluru.

Payment

Dates of Subsequent Instalments, Payments, Defaults & Benefits

Your payment is due every month on the same date of starting of your plan. You are however allowed up to7 calendar days delay in making subsequent payments. In case you fail to make your payment within 7 calendar days of your due date, the payment will be accepted only as late payment and no additional benefit will accrue to such late payments. Further the additional discount voucher also will not be issued for irregular payments. You are therefore advised to make payments on time, in order to derive benefits. However, all installments must be paid before closer of plan.

Important Note:

1. Amount per instalment may be increased at any time in subsequent installments.

ONLINE PAYMENTS

All payments shall be in Indian Rupees, US$ or Euros only. Payment details must be given at the time of placing the order online in the form provided. All orders shall be processed only after the payment information has been validated. Payment may be made by credit card or bank transfers only..

If your payment is in US$ or Euros, your international credit card provider or bank will determine the exchange rate and may add an additional processing or administration charge in relation to such payment, which you will be liable to pay. Should there be an occurrence of an error while processing the payment caused due to your Internet connection, server error, issues with the related third party payment site or due to any circumstance beyond.

CKC's direct control, CKC shall not be held liable in any manner whatsoever. When completing a credit card transaction, you must use your own credit card.

CKC will not be liable for any credit card fraud in relation to any payment made and you shall disclaim CKC of any liability whatsoever. The liability arising from fraudulent use of a credit card will lie with the apparent purchaser and the onus to 'prove otherwise' shall be exclusively on the purchaser.

We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.

SECURITY

CKC uses industry-standard encryption technologies when transferring and receiving customer data (including credit card information) exchanged with the website server. All other data transfer is conducted through a secure phone line..