M/S MULIYA KRISHNA BHAT SONS JEWELLERS
SINCE 1991
These Terms and Conditions (“Terms”) govern your access to and use of Muliya Krishna Bhat Sons Jewellers, available at https://muliyakrishnabhatsons.com/, including its website, mobile application and related services collectively referred to as the “Platform”.
The Platform is owned and operated by Muliya Krishna Bhat Sons Jewellers, a registered under the laws of India, having its registered office at Koingodi Complex, Main Road, Srirampete, Sullia, Mangalore, Karnataka - 574239, GSTIN and BIS Jeweller Registration Number (“Company”, “we”, “us” or “our”).
By accessing the Platform, creating an account, purchasing jewellery, joining a jewellery purchase plan, making an instalment or using any of our services, you agree to these Terms, our Privacy Policy, Cancellation and Refund Policy, Shipping Policy and any plan-specific terms displayed on the Platform.
You must be at least 18 years old and legally competent to enter into a contract under Indian law.
Where an account or purchase is made on behalf of another person, business, trust or organisation, you confirm that you have the authority to act on its behalf.
We may request identity, address, tax, banking or other verification documents where required under applicable law, for fraud prevention or for processing high-value transactions.
You may need to create an account to purchase products, join a jewellery purchase plan or access certain services.
You agree to:
Provide complete, current and accurate information.
Maintain the confidentiality of your login credentials and one-time passwords.
Notify us immediately if you suspect unauthorised account activity.
Ensure that payments are made from a lawful payment source belonging to you or used with the account holder’s permission.
You are responsible for activities conducted through your account unless the activity resulted from a security failure attributable to us.
We may suspend or restrict an account where we reasonably suspect fraud, impersonation, misuse, unauthorised payment activity or violation of these Terms.
We make reasonable efforts to display product descriptions, dimensions, weight, purity, images, stone details, making charges and prices accurately.
However:
Product images may appear different because of lighting, photography, screen settings or device differences.
Handmade jewellery may have minor variations in finish, dimensions, colour, weight or design.
The final weight of a manufactured or customised product may differ slightly from the estimated weight shown at the time of ordering.
Gemstone colour, clarity, shape and appearance may naturally vary.
Product availability is subject to stock and manufacturing capacity.
Where the final weight differs from the estimated weight, the final invoice will be calculated using the actual net gold weight, stone value, making charges, wastage charges, taxes and other disclosed charges.
Gold jewellery sold through the Platform will be hallmarked where hallmarking is required under applicable law.
The product or invoice may state:
Gold purity or caratage;
Fineness;
Net gold weight;
Gross product weight;
Stone or non-gold component weight;
BIS hallmark and HUID information, where applicable;
Making, wastage and other applicable charges.
Customers may verify eligible HUID-marked jewellery through the official BIS verification facility.
Hallmarking certifies the purity of the precious-metal component. It does not certify the quality or value of gemstones, workmanship, design or other non-metal components unless expressly stated.
Gold prices fluctuate and may change multiple times during a day.
The applicable gold rate will be the rate displayed or communicated at the point specified for the relevant transaction, which may be:
The time an order is successfully placed;
The time payment is successfully received;
The date an instalment is credited;
The date jewellery is selected;
The date of final billing or delivery; or
Another date expressly specified in the applicable plan or product page.
A price displayed in a customer’s cart is not guaranteed until the order and payment are successfully accepted by us.
The final price may include:
Gold value;
Silver or other precious-metal value;
Gemstone or diamond value;
Making charges;
Wastage charges;
Customisation charges;
Hallmarking or certification charges, where separately applicable;
Delivery or insurance charges;
Goods and Services Tax and other applicable taxes.
Any discount, promotional price or waiver will apply only according to the conditions of the relevant offer.
Placing an order constitutes an offer to purchase the selected product. An automatically generated acknowledgement does not necessarily mean that the order has been accepted.
An order is accepted when we issue an order confirmation, begin manufacturing, dispatch the product or otherwise confirm acceptance.
We may reject or cancel an order where:
The product is unavailable;
The listed price or description contains an obvious error;
Payment is unsuccessful or reversed;
Customer verification cannot be completed;
We suspect fraud, resale abuse or unauthorised activity;
Delivery is unavailable at the provided location; or
Processing the order would violate applicable law.
Where we cancel a paid order, the eligible amount will be refunded to the original payment method unless another lawful method is agreed upon.
Payments may be accepted through UPI, cards, net banking, authorised payment gateways, bank transfer or other methods displayed on the Platform.
Cash payments may be accepted only at authorised locations and only within limits permitted under applicable law.
We may require PAN, Form 60 or other information where required under applicable tax, anti-money-laundering, accounting or reporting laws.
Payment is considered complete only after the amount has been successfully received and reconciled in our records.
A payment confirmation issued by a bank or payment application does not by itself establish receipt by us where the transaction is pending, reversed, failed or credited to an incorrect account.
You must make payments only to accounts, UPI IDs or payment links officially displayed or communicated by us. We are not responsible for payments made to unauthorised persons or fraudulent accounts not controlled by us.
We may offer jewellery purchase plans under which customers make periodic advance payments towards a future jewellery purchase.
Available plans may include:
Fixed-instalment plans;
Flexible or unfixed-instalment plans;
Monthly or weekly plans;
Gold-weight accumulation plans;
Cash-credit purchase plans; and
Other purchase plans described on the Platform.
Each plan will be governed by these Terms and the plan-specific information displayed when the customer enrols.
Where plan-specific terms conflict with these general Terms, the plan-specific terms will apply to that plan, subject to applicable law.
Unless expressly stated otherwise in a legally compliant product document, a jewellery purchase plan is an advance-purchase arrangement for jewellery.
The plan:
Is not a bank deposit, recurring deposit or savings bank account;
Is not an investment product, mutual fund or collective investment scheme;
Does not provide interest or a guaranteed financial return;
Does not constitute digital gold, allocated bullion or ownership of specific gold bars or coins;
Does not create a lender-and-borrower relationship between the customer and the Company; and
Is intended only to provide purchase credit or gold-weight entitlement for acquiring eligible jewellery from us.
Any completion benefit, bonus, discount or contribution offered by us is a promotional jewellery-purchase benefit and not interest on customer funds.
To enrol, the customer must provide the requested information and accept the applicable plan schedule.
A plan may require:
Customer name;
Mobile number and email address;
Residential address;
Date of birth;
Identity and tax information;
Nominee information;
Instalment amount;
Payment frequency;
Plan duration; and
Selected plan type.
A plan becomes active only after registration is accepted and the first successful payment is recorded.
Plan membership is personal and may not be sold, assigned or transferred without our written approval.
Under a fixed plan, the customer agrees to pay the selected instalment amount at the required frequency for the plan duration.
The customer may not reduce the agreed instalment amount unless permitted under the applicable plan.
Additional payments may be accepted at our discretion. Such additional payments may not qualify for promotional benefits unless specifically stated.
Failure to pay an instalment on time may affect eligibility for bonuses, discounts or completion benefits.
Under a flexible plan, customers may pay different amounts during the plan period, subject to the minimum and maximum limits displayed on the Platform.
Promotional benefits may be calculated based on:
The lowest instalment paid;
Average qualifying payments;
Total eligible payments;
A maximum benefit cap; or
Another method disclosed in the applicable plan.
Payments made outside the stated schedule may not qualify for promotional benefits.
Where a plan records payments in grams of gold, each eligible payment will be converted into a notional gold weight using the gold rate and calculation method stated for that plan.
Unless expressly stated otherwise:
Credited grams represent a contractual entitlement that may be adjusted against an eligible jewellery purchase.
Credited grams do not represent separately allocated or physically stored gold belonging to the customer.
The customer cannot demand delivery of a particular gold bar, coin or bullion corresponding to the credited grams.
Making charges, wastage charges, stone charges, taxes and other charges remain separately payable during redemption.
The purity used for calculating credited grams will be the purity stated in the applicable plan.
The transaction history available through the Platform will serve as a record of credited instalments, subject to correction of manifest or technical errors.
For a cash-credit plan, each successfully received payment will be recorded as advance purchase credit.
The accumulated credit may be used only toward eligible jewellery or products specified under the plan.
The credit does not earn interest and cannot be treated as a general-purpose wallet, bank balance or freely withdrawable cash account.
Instalments must be paid by the applicable due date.
Where a grace period is offered, it will be stated in the plan details. A grace period does not permanently alter future due dates.
We may send payment reminders as a convenience. Failure to receive a reminder does not remove the customer’s responsibility to make timely payments.
Where a payment is marked pending, the instalment will be credited only after the funds are received and reconciled.
For duplicate payments, customers must contact us with the transaction reference. After verification, the duplicate amount may be:
Refunded;
Adjusted against a future instalment; or
Added to the customer’s purchase credit,
as agreed with the customer and permitted under the plan.
Refund processing times may depend on the relevant bank or payment provider.
The consequences of missed instalments will be disclosed in the applicable plan and may include:
Loss or reduction of promotional benefits;
Extension of the plan period;
Conversion to a non-benefit purchase-credit plan;
Early closure of the plan; or
Redemption based only on the amount or eligible gold weight actually credited.
Amounts validly paid by the customer will not be forfeited merely as a penalty, except for reasonable deductions expressly disclosed and permitted by law.
A plan is considered completed only when all qualifying instalments and other stated conditions have been fulfilled.
A completion benefit may be provided in the form of:
A discount on making charges;
A jewellery purchase voucher;
A contribution toward the final jewellery purchase;
Bonus gold-weight entitlement;
Waiver of specified charges; or
Another benefit described in the plan.
The benefit:
Is not payable as interest;
May be subject to a maximum limit;
May not be redeemable in cash;
May apply only to selected jewellery categories;
May exclude bullion, coins, discounted products, diamonds or certain charges; and
May lapse where the customer does not complete or redeem the plan within the specified period, subject to applicable law.
To redeem a completed or eligible plan, the customer must select qualifying jewellery through the Platform or an authorised store.
The final invoice will account for:
Eligible purchase credit;
Eligible gold-weight credit;
Promotional benefit;
Actual product weight;
Applicable gold rate;
Making and wastage charges;
Gemstone or diamond value;
Taxes; and
Other disclosed charges.
Where the selected jewellery value exceeds the available plan entitlement, the customer must pay the difference.
Where the selected jewellery value is lower than the available entitlement, the balance will be handled according to the relevant plan and applicable law. It may remain as purchase credit, be applied to another eligible product or be refunded where required.
Redemption may be subject to identity verification.
A customer may request early closure in the manner stated on the Platform or by contacting customer support.
Unless applicable law requires otherwise:
Promotional or completion benefits will not apply to an incomplete plan.
The customer will be entitled only to the eligible amount or gold-weight credit arising from payments actually received.
Reasonable and previously disclosed deductions may be applied where legally permissible.
Refunds may be subject to identity and bank-account verification.
Refunds will ordinarily be made to the original payment source or a verified account belonging to the customer.
We may temporarily hold a refund where a payment is under chargeback, fraud review, legal restraint or ownership dispute.
Customers should redeem completed plans within months from the completion date.
Before treating an account as inactive, we may contact the customer using the registered details.
Unclaimed amounts or entitlements will continue to be handled according to applicable law and will not become our property merely because the customer has not logged in or responded.
Customers may nominate an individual in accordance with the process provided by us.
A nominee does not automatically become the legal owner of the customer’s entitlement where succession laws require additional documentation.
In the event of a customer’s death, we may request documents such as:
Death certificate;
Nominee identification;
Legal-heir or succession documents;
Indemnity;
Bank-account proof; and
Any other document reasonably required to establish entitlement.
Payment or redemption will be processed only after satisfactory verification.
Gold prices may rise or fall.
Information regarding historical prices, market trends, possible savings or examples is provided only for general information.
We do not guarantee:
Appreciation in gold prices;
Profit from joining a plan;
Protection against inflation;
A particular resale value;
A particular exchange value; or
Any financial return.
Customers should make purchase decisions based on their own requirements and financial circumstances.
Delivery availability, estimated delivery dates and charges will be displayed during checkout.
Delivery timelines are estimates and may be affected by manufacturing, hallmarking, verification, weather, transport disruption, public holidays, regulatory restrictions or events beyond our reasonable control.
Customers must provide a complete and correct delivery address and remain available to receive the shipment.
High-value deliveries may require:
Identity verification;
One-time password confirmation;
Signature;
Age confirmation; or
Delivery only to the named recipient.
Risk in the product passes to the customer upon successful delivery to the customer or authorised recipient. Legal title passes upon full payment and delivery, unless otherwise stated.
Customers must not share delivery OTPs before the delivery representative is physically present.
Customers should inspect the outer packaging before accepting delivery.
Any visible tampering, damage, missing item or incorrect product should be reported to us as soon as reasonably possible, together with photographs, videos, packaging and invoice details.
We may investigate the complaint with the courier, insurer, payment provider or other service provider.
Failure to provide an unboxing video will not automatically extinguish statutory consumer rights, although supporting evidence may assist in investigating the claim.
Cancellation requests may be accepted before dispatch or before manufacturing begins.
Orders for customised, engraved, resized, made-to-order or specially sourced products may not be cancellable once work has begun.
Where cancellation is accepted, any deduction will be limited to disclosed and legally permissible costs already incurred.
We may cancel an order for the reasons described in Section 6.
Returns and exchanges will be governed by our Return and Refund Policy.
Subject to applicable law, returns may be restricted for:
Custom-made products;
Engraved products;
Altered or resized products;
Products showing signs of use or damage;
Products missing certificates, tags, invoices or original components;
Gold coins or bullion where return restrictions were disclosed; and
Hygiene-sensitive products such as pierced earrings.
These restrictions do not limit the customer’s rights where a product is defective, damaged on delivery, counterfeit, materially different from its description, incorrectly supplied or required to be accepted for return under applicable law.
Returned jewellery may be subject to quality, weight, purity and tampering inspection.
Approved refunds will generally be processed to the original payment method.
The time required for the amount to appear may depend on the bank, card issuer or payment provider.
Refund amounts may exclude charges that were clearly disclosed as non-refundable and are legally permitted to be retained.
No deduction will be made for defects or errors attributable to us except where permitted by applicable law.
Any exchange or buyback facility is a separate commercial service and is not guaranteed unless expressly offered.
The exchange or buyback value may be determined after testing and may consider:
Purity;
Net recoverable metal weight;
Prevailing buyback rate;
Stone deductions;
Melting or refining loss;
Testing charges;
Damage or alteration; and
Applicable taxes and legal requirements.
Making charges, wastage charges, taxes and gemstone prices paid during the original purchase may not be fully recoverable.
The applicable exchange or buyback policy at the time of the transaction will apply.
Promotional codes, referral benefits and discounts:
Are valid only for the stated period;
May be limited to selected products or customers;
Cannot be combined unless expressly permitted;
Cannot ordinarily be exchanged for cash;
May be cancelled where obtained through fraud or misuse; and
May be subject to minimum purchase requirements.
We will not retrospectively apply a promotion to a completed transaction unless expressly stated.
We may use payment gateways, banks, logistics providers, insurers, identity-verification providers, communication services and other third parties.
Their services may be governed by separate terms and privacy practices.
We are responsible for selecting and managing our service providers as required by law, but we are not responsible for failures solely caused by systems outside our reasonable control, subject to the customer’s statutory rights.
You must not:
Use the Platform for unlawful purposes;
Submit false identity or payment information;
Attempt unauthorised access;
Interfere with the Platform’s operation or security;
Introduce malware or harmful code;
Misuse promotional benefits;
Create accounts using another person’s details without authority;
Reverse-engineer or copy the Platform;
Use automated systems to scrape prices or content without permission; or
Use the Platform for money laundering, fraud or other prohibited transactions.
We may suspend access and report suspected unlawful activity to the relevant authorities.
All Platform content, including logos, product photographs, designs, software, text, graphics, trademarks and layout, belongs to us or our licensors.
No content may be copied, reproduced, modified, distributed, commercially exploited or used to create derivative works without prior written permission.
Purchasing jewellery does not transfer intellectual-property rights in the jewellery design or related content.
We process personal data according to our Privacy Policy and applicable Indian data-protection law.
By providing contact details, you agree to receive transactional communications regarding orders, instalments, payments, delivery, security and customer support.
Marketing communications will be sent according to applicable consent requirements. You may opt out of non-essential marketing communications through the available unsubscribe method.
We aim to keep the Platform available and accurate but do not guarantee uninterrupted or error-free operation.
We may correct clerical, technical, pricing, weight, calculation or display errors.
Where an error materially affects a confirmed transaction, we will inform the customer and provide an appropriate correction, cancellation or refund option as required by law.
We may temporarily restrict access for maintenance, security, updates or events beyond our control.
Nothing in these Terms excludes or limits liability that cannot legally be excluded, including liability arising from fraud, wilful misconduct, defective goods or statutory consumer rights.
To the extent permitted by law, we will not be liable for indirect, incidental or consequential losses that were not reasonably foreseeable when the transaction was entered into.
Our liability in relation to a particular transaction will ordinarily not exceed the amount paid by the customer for that transaction, except where a higher liability is required under applicable law.
You agree to compensate us for direct losses, claims and reasonable expenses arising from your fraudulent or unlawful use of the Platform, infringement of third-party rights or material breach of these Terms.
This provision does not require a consumer to indemnify us for losses caused by our own negligence, breach or unlawful conduct.
We will not be responsible for delay or failure caused by events beyond our reasonable control, including natural disasters, fire, flood, epidemic, war, civil disturbance, government action, strikes, transport interruption, telecommunications failure, cyberattack or disruption of hallmarking and supply-chain services.
We will take reasonable steps to minimise disruption and perform our obligations when reasonably possible.
For complaints regarding orders, plans, refunds, payments, privacy or use of the Platform, contact:
Grievance Officer:
Designation:
Business Name: Muliya Krishna Bhat Sons Jewellers
Address: Koingodi Complex, Main Road, Srirampete, Sullia, Mangalore, Karnataka - 574239
Email: [email protected]
Telephone: +91 7760 829 990
Working Hours:
We will acknowledge consumer complaints within 48 hours and seek to resolve them within the period required under applicable law.
Customers retain the right to approach the National Consumer Helpline, an appropriate Consumer Commission, regulatory authority or court.
These Terms are governed by the laws of India.
Subject to the customer’s rights under consumer-protection law and the jurisdiction of statutory consumer authorities, courts located in will have jurisdiction over disputes connected with these Terms.
The parties should first attempt to resolve disputes through the grievance-redressal process.
We may update these Terms to reflect changes in law, business operations, products or Platform functionality.
The updated Terms will be published with a revised “Last Updated” date.
Changes affecting an existing jewellery purchase plan will not retrospectively reduce benefits already earned unless required by law or accepted by the customer.
If any provision is held invalid or unenforceable, the remaining provisions will continue in effect.
The invalid provision will be interpreted or modified only to the minimum extent necessary to make it lawful and enforceable.
Failure to enforce a provision on one occasion does not waive our right to enforce it later.
These Terms, together with the applicable product page, plan document, invoice, Privacy Policy, Return and Refund Policy and Shipping Policy, constitute the agreement between the customer and the Company regarding the relevant service or transaction.
45. Contact Details
Legal Business Name: Muliya Krishna Bhat Sons Jewellers
Registered Address: Koingodi Complex, Main Road, Srirampete, Sullia, Mangalore, Karnataka - 574239
GSTIN:
BIS Jeweller Registration Number:
Website: https://muliyakrishnabhatsons.com/
Customer Support Email: [email protected]
Customer Support Phone: +91 7760 829 990