Pay 11 moths for your gold and we will pay the 12th month for you.

This Scheme hereby brings you a good opportunity to invest in gold
jewellery .
Invest in small monthly installments which are added up to provide you
a host of benefits.
• Discount benefit at the end of the scheme
• Choose from a huge variety of design handcrafted specially for you.



Guinea gold jewelers Pvt. Ltd. (“GGJ”) cordially offers all Indian Citizens to purchase their jewelry via payments made in accordance with the Gold

Saving Scheme(“SCHEME”). the terms and conditions of this scheme are as follows:

• Eligibility, Instalments and Subscription

F 1. Any person willing to join with the gold saving scheme of GGJ.
F 2. Customer who enrol in the gold saving scheme of GGJ will hereina

er be referred to as “member” of the said scheme.

F 3. The member will decide and agree with GGJ on the proposed amount to be paid as monthly installments for a period of 11 months for
Purchase of jewellery at the end of such a period (installment amount).
F 4. The star
ng installment amount would be INR 1000 (indian rupees one thousand) and subsequent mul
ples thence.

F 5. Before subscribing to the scheme, each member has to provide the following informa

on to GGJ, which GGJ will record and maintain:

a. Valid address proof e.g. voter id card/adhar card/electricity bill/passport/bank pass book.
b. Valid iden
ty proof e.g. Adhar card/voter card/driving license/passport.
F 6. In case of any change of contact details, the member is required to in

mate the showroom within 7 days from the date of change. in

Case the change has occurred towards the end of redemp

on period (defined hereina

er), the member has to mandatorily in
mate the

Same to GGJimmediately.
F 7. Each member will be provided with a pass book evidencing his/ her payment. The pass book is the one and only document to iden
fy the

member and preserved safely by the customer.
F 8. Member should take his/her pass book to the showroom every

me and ensure that all payments made by them are correctly entered in

the passbook. Any discrepancy in the entries should immediately be brought to our no
F 9. Member should also request for and take a computerised money receipt from the showroom.
F 10. Member should check if the pass book is signed by himself/herself and by the showroom cashier / manager while enrolling, to affirm the
validity of the pass book for proper reference at the

me of redemp

on. During redemp

on, the pass book has to be submi
ed by the

F 11. In case of loss of original pass book, the member should inform GGJ immediately. This would be to ensure that no third party is able to
redeem with the relevant pass book. A duplicate pass book can be issued only a

er submission of cer

fied copy of the FIR with the concerned

police sta
on. Along with the request le

er from the member of the scheme and all necessary iden

ty proofs as required by the showroom.
Showrooms shall not issue any duplicate pass book unless the member provides computerised receipts given to him/her by the showrooms in
the past together with address proofs. In all cases, administra

ve charges of Rs 50/- will be charged. GGJ will not be responsible for any loss

that may occur as a result of loss of the pass book.
F 12. Payments of the installment amount can be made either in cash, card, cheque, demand dra

or online payments through bank in favour of

Guinea Gold Jewellers Pvt. Ltd. Payable in the showroom where the account is opened.
F 13. In case the payment of the installment amount is made through a cheque or online banking systems then GGJ will recognise the payment
only when the payment has been cleared and the account of GGJ has been credited. The date of payment will be the date on which the
amount is reflected in the account of GGJ. In case of non clearance of cheques/online payments, the grant of the benefits of the scheme shall
be discre
onary on the part of GGJ.
F 14. The member will ensure that all the payments of the installment amounts are made only at the showroom in which the account has been
originally opened. No transfer of account shall be permi

ed before the maturity date.
F 15. The amount of monthly installment cannot be changed during the tenure of the scheme.
F 15. Subject to compliance of all terms & condi

ons of the gold saving scheme members subscribed under the scheme will be en
tled to

redeem the amount paid under the scheme at the

me of purchasing jewellery of his/her choice only from the showroom in which it had

originally opened its account.
F 16.the scheme compulsorily matures at the end of 11 months from the date of payment of first installment amount. The jewellery purchased
has to be mandatorily collected within the last 10 days before the expiry of 12th month, which will not be later than 365 days from the date of
payment of the first instalment amount (“redemption on period”). The equivalent amount for the 12th instalment will be offered by GGJ as a discount on the purchase of the jewellery.

F 17. in case, the member does not collect the purchased jewellery within the redemp

on period , then such GGJ would hold the purchased

jewellery (as sold on the last date of redemp

on period) in trust for the member for a maximum period of 30 days from the date of

on period. Post the 30 days period, GGJ will use its best effort to deliver the jewellery to the address of the member registered with
GGJ at the cost and risk of the member. GGJ will in no manner be responsible for the jewellery once the sale occurs, which will be latest at the
end of the redemp
on period.

F 18. The funds provided as installment amounts under the scheme are always to be redeemed by purchase of gold jewellery only at respec

GGJshowrooms. There will be no cash refund provided for any reason whatsoever. Diamond, pla

num, silver, gold coins jewellery cannot be

redeemed against the scheme.
F 19. If there is any delayed payment or nonpayment by the member of an installment amount, then GGJ will have the right not to provide any
discount on the sale of the jewellery, as mentioned in clause 14 above.

F 20. All jewellery purchased under the scheme will be subject to making charges, labour charges, wastage, sales tax or vat, super charges as
applicable, apart from gold/stone charges.
F 21. In case the pass book is brought by any other person other than the member, then GGJ will only recognise and process any request if such a person is carrying a letter of authority/power of attorney from the member. GGJ would not be responsible to determine the veracity of such a document. GGJ will also not be responsible in any manner, in case of any loss in pursuance to any transaction carried out by such a third party.
F 22. In case the member decides to prematurely close the scheme then GGJ will have a right not to provide any discount on the sale of the jewellery, as mentioned in clause 14 above.

F 23. At the time of redemption/premature closure, the account holder(member) has to personally come with the original photo id proof acceptable to GGJ and the effect the maturity/redemption/closer.
F 24. Prepayments of all the installment amounts and redemption (with scheme benefit) thereon, before indicated date of maturity (on the pass book) will not be allowed and redemption will only be allowed at the maturity of the scheme.

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