The customer can purchase Jewellery on the 10th or the 11th month of enrolment with full benefits.

• On completion of 11 months from the date of enrollment, the customer will be eligible to purchase the selected jewellery with 100% Discount on Wastage and MC on any jewellery with Wastage up to 18% under Sri Bhuvanesvari Thangamligai Jewellery New Golden Eleven Flexi, limited to the accumulated value/weight. However, if the customer wishes to purchase silver articles or silver jewellery, the customer will be eligible for the benefits as listed in the benefits table.

• The monthly advance payments must be paid within the 10th of every month.

• Whenever there is a rate reduction on gold jewellery (example Rs.50 less per gram), the discount will be applied only on the prevailing gold rate and not on the advance paid amount.

• Monthly Advance payment will not be accepted in cash and must be paid online through the SBJ mobile app by way of Debit Cards / Credit Cards / UPI . A Customer can use multiple jewellery purchase plan accounts for the purchase of single jewellery. If there is any default in the monthly advance payments, the plan will be discontinued automatically.

• Customers will have to bring the customer receipt book every month while making the advance amount and should submit it for update.

• Customers who choose to discontinue within 6 months of enrollment will not be eligible for any benefit / discount on wastage and MC and can only redeem to the extent of accumulated weight / value under the plan, by paying 100% wastage and MC.

• Customers who discontinue during 7th or 8th month of enrollment, the member will be entitled to 30% discount on the Wastage and MC on any jewellery with Wastage up to 18% and for discontinuation during 9th month, the customer will be entitled to 40% discount on the Wastage and MC on any jewellery with Wastage up to 18%, limited to the accumulated gold weight/value under the plan. If the customer discontinues during the 10th month, the member will be entitled to 50% Discount on Wastage and MC on any jewellery with Wastage up to 18% to the extent of accumulated gold weight / value under the plan.

• The monthly advance against the purchase of jewellery must be paid continuously without fail.

• KYC is compulsory to enrol in the plan, in case of change in address or loss of customer receipt book, the customer should inform the company immediately and apply for a new customer receipt book with KYC details.

• The customer may appoint a nominee on submission of KYC details for both self and the nominee. Guardian will sign as well and also be the nominee in case of minors.

• Payments of monthly advance against purchase of jewellery beyond the stipulated period or payment for more than one month will not be allowed.

• The advance against purchase of jewellery can be paid & customers can take delivery of selected jewellery at Sri Bhuvanesvari Thangamligai Jewellery showroom in India.

• Balance advance amount, if any, will not be refunded in cash and can only be adjusted on purchase of Gold/Silver jewellery.

• Customers who choose to pre-close within 6 months from the enrollment will not be eligible for any benefits.

• The customers will be eligible for 50% Discount on Wastage and MC on any jewellery with Wastage up to 18% only after they have paid all the advance payments continuously. The customer will not be able to continue in the event of default in the monthly advance payments, hence it is required that the customer pays the advance payments continuously without fail.

• The customer can purchase jewellery from or after the 11th month of enrollment or before 365 days from the date of enrollment. Customer's advance amount should be purchased within 365 days from the date of enrollment. The advance amount will be refunded in gold or value.

• When the customer purchases jewellery in excess of accumulated weight/amount, the wastage and MC as applicable will be borne by the customer for the excess weight/amount.

• GST & any other Government levies at the time of purchase/delivery for all sale transactions will be borne by the customer.

• The customer's signature will be verified at the time of delivery.

• The company at its sole discretion can alter, amend, modify, add, or delete any of the terms and conditions from time to time.

• All disputes are subject to the jurisdiction of the competent court in Chennai.