Terms and Conditions

1. About these terms

These Terms and Conditions govern your access to and use of the Aladis Group website and your online interactions with:

• Aladis Jewellery;
• Aladis Gold Loan; and
• Aladis Gold Point.

The website is operated by Aladis, trading as Aladis Group (“Aladis”, “we”, “us” or “our”).

By using the website, submitting an enquiry or communicating with us through a website-linked service, you agree to these Terms and Conditions and our Privacy Policy.

2. Website purpose

Unless expressly stated otherwise, the website is provided for general information and enquiry purposes.

Website content does not by itself constitute:

• a binding offer;
• a confirmed jewellery order;
• a guaranteed product reservation;
• a confirmed gold valuation;
• approval of a gold loan;
• a sanction letter;
• financial advice;
• an agreement to purchase gold; or
• a completed transaction.

A transaction becomes binding only when the required assessment, verification, documentation and payment procedures have been completed and the applicable invoice, receipt, sanction letter, loan agreement or other written document has been issued or executed.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a contract to:

• apply for or obtain a gold loan;
• sell gold or jewellery;
• authorise a transaction;
• submit financial or identity documentation; or
• enter into a binding agreement with us.

By proceeding with such a transaction, you represent that the information you provide is truthful, current and complete.

4. Aladis Jewellery

Aladis Jewellery may provide information relating to gold, silver, diamond and other jewellery, including designs, availability, purity, weight, pricing and customisation.

Product appearance

Photographs and videos are presented for reference. Colour, scale, finish and appearance may vary because of:

• lighting;
• photography;
• display settings;
• manufacturing variation;
• size;
• gemstone characteristics; and
• the handmade nature of certain products.

Availability

Products and designs are subject to availability. Displaying a product or design on the website does not guarantee that it is currently in stock.

Pricing

Jewellery prices may depend on:

• prevailing precious-metal rates;
• purity;
• net metal weight;
• gemstone or diamond value;
• making charges;
• wastage or production charges where applicable;
• taxes; and
• other clearly disclosed components.

Indicative prices may change before the transaction is completed. The final price will be stated in the applicable quotation or invoice.

Purity and certification

Gold and silver jewellery will carry hallmarking or other markings where required and applicable. Diamond or gemstone certification, where offered, will be explained for the relevant item.

The final invoice, hallmark information and item-specific certificate, if any, will govern the product description.

Orders, exchanges and alterations

Order deposits, cancellation, resizing, alteration, exchange, buy-back and return conditions may vary according to the product and transaction.

The applicable conditions must be confirmed in the quotation, order form, invoice or store policy before completing the purchase.

Nothing in these Terms limits rights that cannot lawfully be excluded under applicable consumer law.

5. Aladis Gold Loan

Information presented on the website about loans against gold is general and does not constitute guaranteed approval or a final loan offer.

Every loan may be subject to:

• the applicant being at least 18 years old;
• completion of KYC and identity verification;
• verification of ownership or lawful possession;
• examination of the pledged articles;
• assessment of purity and eligible net gold weight;
• applicable loan-to-value requirements;
• internal eligibility and risk requirements;
• execution of the required loan documents; and
• applicable law and regulatory requirements.

Loan valuation

The amount offered against gold may depend on:

• eligible gold content;
• assessed purity;
• net weight;
• applicable gold rate;
• required lending margin;
• applicable loan-to-value limit; and
• the terms offered by the relevant lending entity.

Stones, non-gold materials, impurities, attachments, making charges and sentimental or design value may not form part of the collateral value.

RBI guidance applicable to regulated lenders bases gold-loan value on the intrinsic value of eligible gold content rather than making charges or other cost elements. The exact regulatory framework depends on the identity and licence status of the lending entity.

Final loan terms

Before accepting a loan, the borrower should review the applicable:

• sanctioned amount;
• interest rate;
• method of interest calculation;
• annualised rate or other required cost disclosure;
• processing or administrative charges;
• repayment schedule;
• loan tenure;
• penal charges, if any;
• renewal conditions;
• release procedure;
• default consequences; and
• grievance procedure.

The executed loan agreement, sanction document, Key Facts Statement where applicable, pledge receipt and related documents will prevail over general website content.

Default

Failure to repay a secured gold loan may result in additional charges and enforcement against the pledged gold, including sale or auction where permitted, after following the applicable agreement, notice requirements and law.

Customers should not proceed unless they understand the repayment obligation and consequences of default.

No guaranteed approval

Submission of a form, telephone enquiry, store visit or preliminary valuation does not guarantee:

• loan approval;
• a particular loan amount;
• a particular interest rate;
• immediate disbursement; or
• acceptance of any particular gold article.

6. Aladis Gold Point

Aladis Gold Point may assess eligible old, unused or unwanted gold and make an offer to purchase it.

Ownership

By offering an item for sale, you represent that:

• you are its lawful owner or are legally authorised by its owner;
• the item is not stolen;
• the item is not subject to another person’s claim, pledge or security interest;
• the transaction does not involve fraud, concealment or unlawful proceeds; and
• the information and documents you provide are accurate.

We may decline, pause or report a transaction where there is a reasonable concern regarding ownership, identity, authenticity, fraud or legal compliance.

Assessment

The proposed purchase value may be based on:

• assessed purity;
• eligible net gold weight;
• the gold-purchase rate applicable at the time of assessment;
• deductions for impurities or non-gold content;
• removal or exclusion of stones and attachments;
• refining or testing considerations where applicable; and
• applicable taxes or legally required deductions.

Sentimental, antique, artistic, brand or original retail value may not be included unless specifically agreed in writing.

Offer and acceptance

A preliminary estimate is not a binding purchase offer.

Following assessment, you may:

• accept the final offered amount; or
• decline the transaction and retain your item, subject to any testing procedure expressly authorised by you.

The transaction is completed only after:

• identity and ownership verification;
• acceptance of the final amount;
• execution of the required receipt or declaration; and
• payment through an approved and lawful method.

The transaction receipt and applicable law will govern completion, cancellation and reversibility.

7. Gold rates and market movements

Gold, silver, diamond and gemstone prices may change because of market conditions, purity, availability, currency movements, taxes and other factors.

A rate displayed, discussed or advertised at one time may not remain available later.

The applicable rate will be confirmed at the time and place of the actual transaction.

8. Testing and valuation

Testing methods may vary according to the item, transaction and required level of verification.

Where a testing method may mark, scratch, cut, melt, alter or otherwise affect an article, the process should be explained and your authorisation obtained before it is performed.

Testing and valuation results apply to the articles examined at that time and should not be treated as a general guarantee concerning other articles.

9. Customer information and documents

You agree to provide accurate, current and complete information.

You must not:

• impersonate another person;
• submit forged or altered documents;
• conceal the true ownership of an item;
• provide misleading transaction information;
• submit stolen or unlawfully obtained property; or
• use our services to facilitate money laundering, fraud or another unlawful activity.

We may request additional documents or decline a transaction where information is incomplete, inconsistent or cannot reasonably be verified.

10. Payments

Payments may be subject to:

• identity verification;
• banking procedures;
• transaction limits;
• anti-fraud checks;
• applicable tax requirements; and
• processing times imposed by a bank or payment provider.

We are not responsible for delays caused solely by an external bank or payment network, but we will provide reasonable assistance where a transaction requires investigation.

11. Communications

By submitting an enquiry, you authorise us to contact you regarding that enquiry using the details you provide.

This may include communication by:

• telephone;
• SMS;
• WhatsApp;
• email; or
• social-media messaging.

Promotional communication will be sent only where permitted. You may opt out of promotional messages as described in our Privacy Policy.

12. Advertisements and promotions

Advertisements, promotional rates and limited-period offers may be subject to separate eligibility requirements, dates, product availability and written conditions.

Unless expressly stated:

• offers cannot be combined;
• an enquiry does not reserve an offer;
• an advertised valuation is not guaranteed for every article;
• a loan advertisement is not an approval decision; and
• rates may change before completion of the transaction.

In the event of a conflict, the specific written promotion terms will prevail over general promotional material.

13. Intellectual property

The website and its contents—including the Aladis name, logos, photographs, videos, designs, graphics, text, layout and other materials—are owned by or licensed to us unless stated otherwise.

You may view the website for personal, non-commercial use.

You may not, without prior written permission:

• reproduce substantial website content;
• use our name or logo in a misleading manner;
• copy product photography for commercial use;
• create an unauthorised imitation website;
• remove copyright or ownership notices; or
• represent that you are associated with Aladis.

14. Acceptable website use

You must not:

• attempt to gain unauthorised access to the website;
• introduce malware or harmful code;
• interfere with website operation;
• scrape or harvest personal information unlawfully;
• use automated systems in a manner that damages the website;
• submit false or abusive enquiries;
• misuse contact details; or
• use the website for an unlawful purpose.

15. Third-party services

The website may link to Facebook, Instagram, WhatsApp, YouTube, maps, payment services or other external platforms.

We do not control those platforms and are not responsible for their:

• availability;
• content;
• security;
• data practices; or
• independent terms.

Use of an external platform is subject to that platform’s own policies.

16. Website availability and accuracy

We take reasonable care when preparing website content. However:

• the website may occasionally be unavailable;
• information may contain an error or omission;
• products may no longer be available;
• displayed rates may become outdated;
• photographs may not show exact scale or colour; and
• content may change without prior notice.

Before making a decision, customers should confirm material information directly with our authorised team.

17. Limitation of liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental or consequential loss arising solely from:

• reliance on outdated general website information;
• interruption of website access;
• misuse of the website by another person;
• an external platform or service; or
• an event reasonably outside our control.

Nothing in these Terms excludes or limits liability that cannot legally be excluded, including liability arising from fraud, wilful misconduct or rights protected by applicable consumer law.

18. Indemnity

You agree to be responsible for loss reasonably incurred by us as a direct result of your:

• unlawful use of the website;
• fraudulent transaction;
• knowing submission of stolen property;
• forged documentation;
• infringement of our intellectual property; or
• material breach of these Terms.

This provision does not apply to loss caused by our own unlawful conduct.

19. Complaints

Concerns should first be submitted to:

aladisgold@hotmail.com
+91 94968 59102

Please provide sufficient details for us to identify the enquiry or transaction.

We will make reasonable efforts to review and respond promptly. Complaints relating to a regulated loan may also be handled under the grievance process stated in the applicable loan documents.

20. Governing law and jurisdiction

These Terms are governed by the laws of India.

Subject to any mandatory consumer or regulatory forum, courts having jurisdiction over Mundakayam/Kottayam, Kerala will have jurisdiction over disputes relating to the website or these Terms.

21. Changes to these terms

We may update these Terms to reflect changes in our services, business practices, technology or applicable law.

The revised Terms will become effective when published with the updated effective date. Changes will not retrospectively alter a completed transaction unless required by law or agreed by the parties.

22. Contact details

Aladis, trading as Aladis Group

GVPP+RJ2
Kottayam–Kumily Road
Causeway Junction
Mundakayam, Kerala 686513
India

Telephone: +91 94968 59102
Email: aladisgold@hotmail.com