As per the provisions of the Income Tax Act and Rules thereunder (India), for any purchase above INR 2,00,000 (Indian Rupees Two Lakhs), the purchaser must provide his PAN card at the time of such transaction. Failure to provide the same shall result in cancellation of the order. The billing name should be the same as the PAN card.

NJL may ask you to provide original KYC documents, including photo identification and proof of address. You may also need to submit copies (whether attested/notarised or not) of the same towards and transaction including but not limited to purchase, return, refund, exchange, buyback.

NJL reserves the right to conduct background checks including through third-parties to verify the bona fides of the customer or of the goods sought to be sold under buyback, return or exchange.

When registering on this Website or participating in any scheme, program or purchase at any NJL store, you must provide true, accurate, current and complete information about yourself.  NJL reserves the right to confirm and validate the information and other details provided by you at any point in time and ask for additional information in certain cases. 

If upon confirmation, your details are found to be false (partially or completely) or if you provide any information that is false, inaccurate, incomplete or not current or if NJL has reasonable grounds to suspect that such information is false, inaccurate, incomplete, not current or not in accordance with these Terms, we reserve the right to indefinitely suspend or terminate your account and deny you access to this Website without any prior intimation whatsoever.

Before placing an order at any of NJL’s stores you must check the product description carefully and additionally these Terms & Conditions. By placing an order for a product at any of our stores, you agree to be bound by the conditions of sale and invitation to offer.

NJL is not responsible for any delay in the delivery, for orders placed at the store, which may be caused due to any force majeure event including without limitation - natural calamity, governmental actions, pandemic, public holiday or any other unforeseen circumstance. 

Any product you buy is at your discretion. Ensure that you have thoroughly inquired about the product and are acquainted about the product, its features, characteristics, usage, etc. 

NJL is not liable for any kind of damages or losses whatsoever you may suffer due to the use of the product.

You will not use any feature of the Website for any purpose that is unlawful, tortious, abusive, intrusive on another's privacy, harassing, defamatory, embarrassing, obscene, threatening, or hateful, all as determined by NJL. 

You will not upload, post, reproduce, or distribute any information, software, or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights.

All information and materials on this Website, including but not limited to, text, trademarks, logos, graphics, and images (the “Materials”), are the copyrighted works and other forms of intellectual property of NJL or third parties who have authorized use of the Materials on this Website. NJL grants you only the limited license to display the Materials on your personal computer or personal wireless device and to copy and download such Materials, provided that: 

(1) any copyright, trademark or other notice appearing on such Materials is also retained, displayed, copied, or downloaded as part of the Materials, and is not removed or obscured, and 

(2) such display, copy, or download is used solely for your information and not used for any other purposes, including any commercial purposes. Such Materials may not be distributed, transmitted, displayed, or broadcast in any manner or for any purpose whatsoever. 

You acknowledge and agree that you have no right to nor will you modify, edit, alter, or enhance any of the Materials in any manner. This limited right terminates automatically, without notice to you, if you breach any of the Terms & Conditions. Upon termination of this limited right of display, user agrees to immediately erase or otherwise destroy any downloaded and printed Materials. Except as expressly stated herein, you acknowledge that you have no legal right, title, or interest in or to the Materials other than a limited right of display.

We do not prior specifically review process or editorial control over third party content. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, members or any other user of this Website, are those of the respective parties and not necessarily those of NJL. Neither NJL nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any third-party content, nor its merchantability or fitness for any particular purpose.

You will not collect or store personal data about other users.

You will not upload, post, email, or otherwise transmit any advertising or promotional materials or any other form of solicitation or unauthorized communication via the Website.

You will not impersonate any person or organization, including without limitation, the personnel of NJL, or misrepresent an affiliation with another person or organization.

By displaying, publishing, submitting or otherwise posting any content (“User Content”) on or through the Website, you hereby irrevocably grant to NJL a non-exclusive, fully sub-licensable, non-revocable, perpetual, worldwide, fully-paid, royalty free license to use, modify, publicly perform, publicly display, broadcast, publish, reproduce, and distribute such User Content in any and all media now known or hereinafter developed without the requirement to make payment to you or to any third party or the need to seek your or any third party permission. Further, you waive all moral rights in and to all User Content that you post, upload or otherwise submit to or through, the Website in favor of NJL. This license and waiver of rights includes the right to host, index, cache, distribute, and tag any User Content, as well as the right to sublicense User Content to third parties, including other users, for use on other media or platforms known or hereinafter developed, such as for use on mobile phones, or in video, music, software or other computer programs.

You continue to retain all ownership rights you hold in your User Content, and you retain any right to use your User Content in any way you choose, subject to these Terms and Conditions and the license described herein. You represent and warrant that you own all of the User Content submitted, displayed, published or posted by you on the Website and otherwise have the right to grant the license set forth herein, and the displaying, publishing or posting of any content you submit, and our use thereof does not and will not violate the privacy rights, publicity rights, copyrights, trademark rights, patents, contract rights or any other intellectual property rights or other rights of any person or entity.

You agree to indemnify and hold NJL, harmless from any claims, damages and expenses, including reasonable attorneys' fees and costs, related to your violation of these Terms and Conditions, including the policies referred herein, or which arises from the use of any content including User Content that you submitted, posted, or otherwise provided to NJL or this Website.

NJL reserves the right, at its sole discretion, to limit the quantity/value of the items purchased by you. This may include restrictions on orders placed using the same account, credit/debit card or billing address. 

NJL will provide notification to the customer should such limits be applied. 

NJL reserves the right at its sole discretion to decline a sale for any reason.

NJL has a comprehensive Sales Return policy which can be accessed through the following link  Sales Return policy.  

NJL has a comprehensive Exchange Programme which can be accessed through the following link Exchange Programme.

NJL has a comprehensive Buyback Programme which can be accessed through the following link Buyback Programme .

NJL has a comprehensive Own Gold Exchange Policy Programme which can be accessed through the following link Own Gold Exchange Policy Programme.

NJL has a comprehensive Advance Orders Policy which can be accessed through the following link Advance Orders Policy .

NJL has a comprehensive Product Warranty Policy which can be accessed through the following link Product Warranty Policy 

Please see our Privacy Policy for information regarding how your information is used, collected, stored, and disclosed.

You are prohibited from violating or attempting to violate the security of this website, including, without limitation:

a) Accessing data not intended for you or logging into an unauthorised account.

b) Attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization.

c) Attempting to interfere with service to any other user, host or network, including without limitation via means of submitting a virus to the site, overloading, flooding, spamming, mail-bombing or crashing.

d) Sending unsolicited email, including promotions and or advertising of products or services;

e) Forging any TCP / IP packet header or any part of the header information in any email or newsgroup, posting violations of system or network security may result in civil or criminal liability. 

NJL will investigate occurrences that may involve such violations and may involve and cooperate with law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this site or any activity being conducted on this site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search this site other than the search engine and search agents available on this site and other than generally available third-party web browsers (e.g. Microsoft Explorer, Google Chrome, Mozilla Firefox).

NJL reserves the right to recover the cost of goods, collection charges, damages caused to NJL and legal expenses from persons using this Website fraudulently. 

NJL reserves the right to initiate legal proceedings against such persons for fraudulent use of the Website and any other unlawful acts or acts or omissions in breach of these Terms and Conditions.

To use this Website, You must be legally capable to enter into a contract within the meaning of the Indian Contract Act, 1872. 

Those who choose to access this Website from outside India are responsible for compliance with local laws to the extent local laws are applicable.

This Website, the materials and content contained therein, and the products and services is provided or in connection therewith are provided on an "AS IS" basis without warranties of any kind, either express or implied, except as expressly provided to the contrary in writing by NJL, if any. 

NJL disclaims all other warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement as to the information, content, and materials on this Website. 

NJL specifically does not represent or warrant that the Website materials or any portion of our services are accurate, complete, reliable, current or error-free. 

NJL does not represent or warrant that the Website or its servers are free of viruses or other harmful components.

All products and the information displayed on the Website constitute an invitation to offer. We reserve the right to accept or reject your offer in part or in full. Our acceptance of your order at any of our stores will take place upon the sale. No act or omission of NJL prior to the actual sale will constitute acceptance of your offer.

We have made every effort to display the colours and sizes of our products that appear on this Website as accurately as possible. However, as the actual colours you see will depend on your monitor settings, we cannot guarantee that your monitor's display of any colour will accurately reflect the colour of the product at the time of purchase. Packaging of the product may vary from that displayed on the Website.

If any part of this site disclaimer is found to be invalid by law, the rest of it will remain valid and enforceable.

NJL reserves all intellectual property rights in all text, programs, products, processes, technology, content images, photographs, videos, video clips, music clips, illustrations, designs, icons, programs, downloads, Non-Fungible Tokens (NFTs) and any other materials (collectively “Content”), which appear on this Website. 

Access to this Website does not authorize anyone to use any Content, name, logo or mark in any manner. 

You may print or download the Contents for your personal and non-commercial use only.

No right, title or interest in any Content is transferred to you as a result of any such downloading, printing or copying. 

You are not authorised to 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 or any related software. 

All software used on this Website is the property of NJL or its licensors/suppliers and they are protected by Indian and international copyright laws.

The Website may contain links to external websites not under NJL’s control. NJL is not responsible for such websites and cannot make any warranties about them. NJL provide these links because they may be of interest to you, but NJL does not monitor or endorse them.

NJL reserves the right to discontinue or modify this Website without prior notice to you. You agree that you have no rights in this Website and that NJL will have no liability if the Website  is discontinued or your access is terminated.

All reviews, comments, feedback, postcards, suggestions, ideas and other submissions disclosed, submitted or offered in connection with your use of this Website will be and will remain the property of NJL. 

Such disclosure, submission or offer of any comments shall constitute an assignment to NJL of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the comments. Thus, NJL exclusively owns all such rights, titles and interests and will be entitled to use, reproduce, disclose, modify, adapt, create derivative works from, publish, display and distribute any comments, suggestions, reviews or feedback you submit for any purpose whatsoever, without restriction and without compensating you in any way.

NJL will be under no obligation to:

a) To maintain any comments in confidence

b) To pay you any compensation for any comments

c) To respond to any comments

By accessing/viewing/using this Website, you warrant, agree and confirm that you will  not violate these Terms and Conditions, our Privacy Policy or any right of any third party, You further warrant, represent and agree that no comments submitted by you to the Website will be or contain libellous or otherwise unlawful, threatening, abusive or obscene material, or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mails or any form of spam. 

NJL does not regularly review posted comments but does reserve the right (but not the obligation) to monitor, edit or remove any comments submitted to this Website. You grant NJL the right to use the name that you submit in connection with any comments. You agree not to use a false email address, impersonate any person or entity, or otherwise mislead as to the origin of any comments you submit. You are and shall remain solely responsible for the content of any comments, suggestions, reviews, or feedback you make, and you further agree to keep indemnified NJL and its affiliates for all claims resulting from any comments, suggestions, reviews or feedback submitted by you. NJL and its affiliates are not responsible nor assume any liability for any comments, suggestions, reviews, or feedback submitted by you or any third party.

NJL is not liable for any delay in the performance or non-performance of any of our obligations hereunder and shall not be liable for any loss or damages caused thereby where the same is occasioned by any cause whatsoever that is beyond our control including but not limited to an act of God, cyber-attack, war, civil disturbance, riots, strikes, lock-outs, governmental or parliamentary restrictions, prohibitions or enactments of any kind, pandemic, import or export regulations, exchange control regulations or accident or non-availability/ delay in transport.

The terms and conditions herein shall be severable and the invalidity of one in whole or in part shall not affect the validity of any other term/condition or the remaining portion of the partly invalid term/condition. 

No waiver of any term/condition or consent to any departure from it by NJL shall be effective unless it is in writing. A waiver or consent shall be effective only for the purpose for which it is given. No default or delay on the part of NJL in exercising any rights, powers or privileges operates as a waiver of any right, nor does a single or partial exercise of a right preclude any exercise of other rights, powers or privileges.

These Terms and Conditions shall be construed in accordance with the applicable laws of India. The courts at Mumbai shall have exclusive jurisdiction in any proceedings arising out of these Terms and Conditions.

You acknowledge and agree that no partnership/association is formed by your use of this Website and neither you nor NJL has the power or authority to obligate or bind the other. 

Certain areas of the Website require registration or otherwise ask you to provide information to participate in certain features or access certain content. If you elect not to provide such information, you may not be able to access certain content or participate in certain features of the Website.

If the Website requires you to create an account or otherwise submit information, you must complete the specified process by providing us with current, complete, and accurate information as requested by the applicable registration form. It is your responsibility to maintain the currency, completeness, and accuracy of your registration data, and any loss caused by your failure to do so is your responsibility. During the registration process, you will be asked to enter your name and valid e-mail address and choose a password. It is entirely your responsibility to maintain the confidentiality of your password and account. Additionally, you are entirely responsible for any and all activities that occur under your account. You agree to notify NJL immediately of any unauthorized use of your account. You further agree not to email, post, or otherwise disseminate any user ID, password, or other information which provides you access to the Website. NJL is not liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge, and is not responsible for any delay in shutting down your account after you have reported a breach of security to us.