Thank You for Choosing ORRA

Terms and conditions on purchase of products and General

Information:

General T&C:

• 1. Any matter/claim/dispute arising out of the transaction will be subject to Mumbai jurisdiction only.
• 2. Any request for further services or Exchange/Buyback of the products or complaints should be accompanied with the original invoice/receipts and certificates.
• 3. If payment is made by local cheque or demand draft, delivery of the item purchased will be made only after realization of the instrument amount.
• 4. The Company can withdraw or alter ORRA Exchange/Buyback policy without prior notice at any given time and the decision of ORRA shall be final.
• 5. For any assistance, please feel free to reach out to us on 18002661888 or 09321566343.

For purchases above Rs. 2 lakhs, the customers will have to enter PAN card details before placing the order. Non - insertion of PAN details may lead to cancellation of the order. The billing name is supposed to be the same as the PAN card else the PAN card will not get verified and the customer will not be able to proceed with the order.

Manner of Purchase, Payment, Refund and its manner, Cancellation of order, Shipping, Delivery, Repair, Insurance during delivery.
Repairs: Charges for missing & additional (metal / stone) will be applicable as per actuals.

www.orra.co.in is owned by ORRA Fine Jewellery Private Limited ('ORRA') having its registered office at House of ORRA, Aver House Building, Plot B26, off. New Link Road, Opp. Citi Mall, Andheri West, Mumbai - 400053, Maharashtra

Standard delivery time for online order: 7- 10 Business Days*
Online Support – Monday to Friday – 10AM – 6PM
Make by order jewellery shall take 40 business days* for delivery

Make to order (ORRA & Non-ORRA):

We don’t accept cancellation for customised jewellery products. If the customer wants refund or wants to exchange it with other product, in that case, making charges and stone charges of the ordered product will be deducted from the amount paid and balance will be refunded to the customer account in 7 -10 business days or will be adjusted against the exchanged product.

Please read these Terms and Conditions carefully before using the Website. In accessing and using the services provided by our website you signify your consent and agreement to be bound by the Terms and Conditions specified herein

ORRA reserves the right to change these terms and conditions from time to time without any obligation to inform you and it is your responsibility to check for the recent updates. Any updates to these Terms of Conditions shall take effect immediately upon the date of posting and you agree to be bound by the terms of these updates and amendments.

Persons who are incompetent to contract under the Indian Contract Act, 1872 are not eligible to use or transact through this Website. Further, if you are using the Services on behalf of a company or organization, you represent that you have authority to act on behalf of that entity, and that such entity accepts this Agreement.

Those accessing the website from India shall be solely liable to comply with the local laws.

ORRA shall make changes in the content of the website at any time without informing the customers and without bearing any liability.

7 Days Return Policy:

ORRA is committed to ensuring your complete satisfaction with all of the products on our website, including their purchase, your security and satisfaction. However, in the event of not being satisfied with your order, you can choose to return it under certain conditions.

• 1. The product is unused, not tailored, or customized.
• 2. The product is in the same condition in which it was received.
• 3. The product is returned within 7 days of the date of purchase.
• 4. The product is accompanied by the original invoice/receipt and certificate.
• 5. The product is not tampered with or altered.
• 6. In the case of a customer exchanging the product for a lower value purchase, there will be no refund of the difference amount. However, if the customer exchanges his purchase for a higher value product, the difference in amount will need to be reimbursed by the customer

Online Refund Process (mode of payment)

After receiving the returned item, our Team shall verify the product and the refund shall be initiated only after verification is successful. Once the return has been accepted & confirmed, the customer will receive a confirmation email for return acceptance. Once the refund is initiated, the amount shall be refunded to the customer’s account through the same mode through which the transaction was made in 7-10 business days.

Upgradation Policy (On All ORRA Diamond Studded / Platinum Jewellery Only

Under this policy, the customer can exchange an existing ORRA diamond studded gold jewellery/platinum jewellery at its 100% purchase value for a new ORRA diamond studded gold jewellery / platinum jewellery which is priced 40% higher or more, by paying the difference value. This policy can be availed of strictly within 6 months of the original product’s invoice date.

Communication Process

You can update your profile by sending an email to customercare@orra.co.in with the updated information.

You can wilfully choose to opt in (Subscribe) for receiving promotional messages from Orra Fine Jewellery by sending an email to customercare@orra.co.in or calling us on 8080616762.

You can opt out (Unsubscribe) anytime from receiving promotional messages from Orra Fine Jewellery by sending an email to customercare@orra.co.in or by calling us on 8080616762.

Users/ Members can close the membership anytime by sending an email to customercare@orra.co.in

By subscribing to us, you agree to receive advertising, marketing, promotional and other communications from ORRA Fine Jewellery.

By providing your details, you consent ORRA Fine Jewellery to collect and use your personal information for verification purpose and analysis.

Privacy and Data Protection: We prioritize the security and confidentiality of user information. The Personal Information collected during registration is handled in accordance with our Privacy Policy, which outlines how we collect, use, store, and protect user data. We encourage users to review the Privacy Policy for detailed information on data handling practices and their rights concerning their personal information. By subscribing and registering with us, users acknowledge and agree to comply with the terms and conditions.Should you have any questions or require assistance regarding the registration process or membership benefits, please contact our customer support team, who will be happy to assist you.

Exchange / Buyback Policy.

A. We will accept ORRA jewellery sold through any ORRA store, as per ORRA’s prevailing terms and conditions of our Exchange / Buyback policy, which is at the sole discretion of the Company.

Engraving on jewellery point

B. ORRA will accept jewellery under the Exchange/Buyback policy after due examination for weight of product and authenticity as an ORRA product, identification of damage or stone defects (crack, replacement and alterations) etc.

C. At the time of Exchange/Buyback of jewellery purchased from our store, we will value the piece on the terms and conditions of the company as follows:

a. Non-studded Platinum products will be exchanged at ORRA’s prevailing Platinum rate and buyback at 5% less of the net weight of Platinum.

b. Diamond studded: The customer will be entitled to exchange the original product at 100% of the ORRA Prevailing Rate for diamonds, along with ORRA’s prevailing gold / Platinum rate, subject to deductions for labour charges and colour stone value will be at 50%of the invoice price.

c. In case of buyback, the customer will be entitled to get ORRA’s prevailing rate, subject to an additional deduction of 10% on diamond value and 5% on gold / Platinum value and colour stone value will be at 50% of the invoice price.

a. ORRA Crown Star Solitaires will be exchanged at 100% of the ORRA Prevailing Rate for solitaires and buyback at 90% of the ORRA Prevailing Rate for solitaires.

b. Regular solitaires (Non ORRA Crown Star solitaires) will be exchanged at 90% value of the ORRA Prevailing Rate for solitaires and buyback at 80% of the ORRA Prevailing Rate for solitaires upto a maximum value of 10 lacs.For Buyback / Exchange above 10 lacs ORRA will facilitate by listing the solitaire free of charge on its website and customer can set the price for the same.

1. Ⅰ. Studded Jewellery
2. ⅠⅠ. Solitaires
3. ⅠⅠⅠ. ORRA Polkhi / Uncut Diamond jewellery products will be exchanged at 85% of the ORRA Prevailing Rate for Polkhi / uncut diamonds along with ORRA’s prevailing gold rate, subject to deductions for labour charges / colour stones. In case of Buyback, the customer will be entitled to get 5% less than the exchange value.
4. ⅠV. ORRA 24kt gold Coins / Bars will be exchanged at ORRA’s prevailing gold rate and buyback at 3% less of the net weight of gold.
5. V. ORRA 22 kt plain gold jewellery will be exchanged at ORRA’s prevailing gold rate and buyback at 5% less of the net weight of gold.
6. VⅠ. ORRA 18kt gold jewellery will be exchanged at ORRA’s prevailing gold rate and buyback at 8% less of the net weight of gold.
7. VⅠⅠ. ORRA silver Coins / Bars will be exchanged at ORRA’s prevailing silver rate and buyback at 5% less of the net weight of silver.
8. VⅠⅠⅠ. ORRA silver jewellery – There is no Exchange / Buyback available for ORRA’s Silver jewellery.

D. While normal wear and tear is to be expected, suitable deductions are applicable, which shall be upto 100% for excessive wear and tear, damage, or stone defects (crack, replacement, alterations and loss of bill and certificate) etc.

E. All products covered under the Exchange / Buyback and upgrade policy will be eligible for such Exchange / Buyback and upgrade only after the approval of the quality check department at the Head Office.

F. The weight of the gold will be net of all pearl, stones, lac, dust, dirt and any other extraneous material.

G. Free Gift / discount issued during the original sale, will be deducted at the time of Exchange / Buyback at Invoice value. None of the products can be exchanged for gold / silver coins / bars.

H. All buyback valuation will be exclusive of GST. Payment on buyback or any refunds will be made by NEFT, RTGS, IMPS etc within 7-10 working days. However, the customer has to compulsarily provide a canceled cheque to process the above refund.

I. Specific Collection/ Customized Designs are not subject to above Exchange / Buyback policies. They are at the sole discretion of the company.

EMI Exchange & Buyback

Exchange / Buyback of product purchased through EMI offers can be done only after completion for remaining EMI payments. In case a customer wishes to return the product before completion of EMI then standard deduction will be applicable for the same.

Non-ORRA Products Exchange Policy

The exchange of non-ORRA jewellery will be at the sole discretion of the company.

FRAUDULENT TRANSACTIONS:

• 1. ORRA reserves every right and shall reclaim the product cost, processing charges, shipping cost, legal expenses and other such cost from the user who is involved in a fraudulent transaction.
• 2. Legal Actions:
  Any user who breaches the terms and conditions or involves in any credit/debit card or internet banking scam or considered to violate any act considered as violation of Indian Contract Act, 1872 shall face the consequence legally under similar acts applicable. Legal proceedings shall be initiated against the user who is involved in such a fraudulent transaction or any unlawful act.

OWNERSHIP OF WEBSITE CONTENTS:

• 1. ORRA is entitled to ownership of Website Content, Feedbacks, Reviews and Customer Interaction. ORRA shall be considered as the owner of the social media page of www.orra.co.in and shall be considered as owner for these contents and reserves right over the member’s feedback, suggestion, complaints.
• 2. This content shall not be published, displayed, distributed, transferred, modified, plagiarized, sold or exploited in any way either partly or fully. All software used on the website is property of www.orra.co.in or their vendors and under copyrights protection act of India or Indian copyrights Act (ICA) and other applicable laws and are protected by Indian and international copyrights law.

ASSUMPTION:

You acknowledge and accept that any information posted on our website is not intended to be legal advice, and no fiduciary relationship has been created between you and the owner. You further agree that your purchase of any of the products on the website is at your own risk. The owner does not assume responsibility or liability for any advice or information given on the website.

SECURITY:

• You are prohibited from the following
• Using this website in a way that impacts user access to the website.
• Engaging in any advertising or marketing on the website
• Accessing data that is not intended for you or logging onto an account or server which you are not authorized to access.
• Trying to examine or test the susceptibility of a network or system to attack, without proper authentication from us.
• Trying to breach the security measures.
• Deploying any robot, spider, web crawler or other automated query program within our website
• Re-using a significant part of the website content for commercial purposes.
• Using this Website in a way that causes, or may cause, harm to the Website, or to any person or business entity.
• Attempting to interfere with service to any other network, host or user, which includes, but is not limited to, submitting a virus to the site, flooding, overloading, mail-bombing crashing or spamming.

LIMITATION OF LIABILITY:

In no event shall neither ORRA nor any of its officers, directors and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract or otherwise, and ORRA, including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.

INDEMNITY:

You agree to indemnify and hold harmless, without objection, the Company, its directors, officers, agents and employees from and against any actions and/or claims and/or demands and/or losses and/or liabilities and/or damages whatsoever arising from or resulting from your use of this website.

FORCE MAJEURE:

We are 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, 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.

DISCLAIMER:

• This Website, the materials and content contained therein, and the products and services 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 a writing by ORRA, if any. ORRA 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 our website. ORRA specifically, does not represent or warrant that the Website materials or any portion of our services are accurate, complete, reliable, current or error-free. ORRA 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. Your order for purchase constitutes your offer which shall be subject to these Terms and Conditions. We reserve the right to accept or reject your offer in part or in full. Our acceptance of your order will take place upon the dispatch of the product(s) ordered. Dispatch of product(s) ordered, may or may not happen at the same time. In such a scenario, that portion of the order which has been dispatched will be deemed to have been accepted by us and the balance would continue to be an offer to us and we reserve the right to either accept or reject the balance offer. No act or omission of ORRA prior to the actual dispatch of the product(s) ordered will constitute acceptance of your offer. If you have provided us with your email address, we will notify you by email as soon as possible to confirm receipt of your order and confirm dispatch and therefore, acceptance of the order thereafter.
• We have made every effort to display the colours and sizes of our products that appear on our website as accurately as possible. However, the actual colours you see will depend on your monitor. We cannot guarantee that your monitor's display of any colour will accurately reflect the colour of the product on delivery. 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 them remain valid and enforceable.

TERMINATION:

ORRA Fine Jewellery may at any time terminate or suspend your access to and use of the Website and may do so immediately without notice, and accordingly deny you access to this Website. Such termination will be without any liability to ORRA. ORRA's right to survive any termination. Any termination of your access to the Website shall not cancel your obligation to pay for the product(s) already ordered from the Website or affect any liability against you that may have arisen under these Terms and Conditions.

INDIVIDUAL INVESTMENT SCHEME

• 1. An individual willing to make a minimum amount of advance of INR 3000 is eligible to enroll under this scheme. There is no ceiling on maximum amount. However, the number of installments shall be in multiples of INR 1000.
• 2. Customers who enroll in this scheme shall be entitled to purchase ORRA jewellery for a price equivalent to or higher to the advance payments remitted by the customer under this scheme. At the end of the tenth month from the date of commencement of this scheme (as applicable for the concerned customer), the customer is entitled to a discount equivalent to 100% of the first month’s instalment paid by the customer under this scheme.
• 3. The scheme is valid for a period of 11 (eleven) months from the date of first enrollment done by the customer. If a customer enrolls in the scheme on 1st September 2022 and pays the first instalment on the same date, then the maturity date of the scheme, as applicable to such customer, shall be 30th June 2023, which is the end of the tenth month, from the date of enrollment by such customer in the scheme.
• 4. The monthly advance payments should be paid within 7 (seven) days from the customers' enrollment date under this scheme, and thereafter, on the same date of every succeeding month (“Payment Date”), during the tenure of this scheme. For example, if a customer pays his / her first instalment on 1st January 2023 then mandatorily the customer has to pay second installment on 1st February 2023, thereafter on 1st March 2023, and so on.
• 5. Customers would be entitled to the discount on the purchase price only if they have made advance payments for at least 10 months. In case the customer fails to pay a monthly advance payment on or before the Payment Date, the discount provided to the customer under (2) above shall be reduced.
• 6. This scheme is applicable for purchase of:

  i. ORRA diamond studded 14k / 18k Jewellery.
  ii. Platinum Jewellery.
  iii. Solitaire Jewellery
  iv. 22kt Gold Jewellery.

• 7. This scheme is not valid for purchase of gold and silver coins and bars.
• 8. Under no circumstances, cash refunds will be made to the customer. The advance payments paid pursuant to this scheme can be redeemed only by way of purchasing ORRA jewelry, as listed in (6) above. Payment of monthly advance(s) should be made by way of cash/demand draft/cheque/online/UPI link/CC, in favor of ‘ORRA Fine Jewellery Pvt. Ltd.’ payable in the city where the customer opens his/ her account under the scheme.
• 9. Customer can make the payment via UPI link available at the store.
• 10. Customer can make the payment through electronic clearance system (ECS).
• 11. As per RBI guidelines, no cash payment will be collected above INR 2 lakhs.
• 12. Customers who enrolls in this scheme and who wish to discontinue making monthly payments or opt out of this scheme before the tenth month shall be entitled to purchase ORRA jewellery (set out in (6) above) at any ORRA store at the price displayed at the store, and no discount shall be provided on such purchase and such purchase shall be subject to the conditions mentioned in (32) below.
• 13. Customer is eligible for purchasing ORRA jewellery from any ORRA store as soon as the customer completes 10 advance payments to the company and at the end of the 10th month from the date of commencement of the scheme, subject to clearance of the cheques or demand drafts paid by the customer, the customer can purchase ORRA jewellery from any store of the company and avail benefit of the discount in (2) above.
• 14. Any on-going offer/ discount can be clubbed under this scheme.
• 15. At the time of joining the scheme, each customer will be given a passbook, which he / she is required to always keep under his/ her safe custody. Customers should ensure that all payments made by them are correctly entered in the passbook and any discrepancy should be immediately brought to the respective showroom manager's notice for suitable rectification. All advance payments made under this scheme can be paid at any ORRA store, but the customer will have to inform and share deposit receipt to the base store where the account was opened, so that same can be credited in the customer’s account.
• 16. If the customer does not redeem the advance payments by purchasing eligible jewellery within fifteen (15) days from the date on which the customer becomes entitled to redeem under this scheme, the company shall conclude the sale immediately and in any event before 12 months from the date of commencement of the scheme by: (a) appropriating the amounts paid against an ornament of equivalent value (which has been pre-selected by the customer and in its absence, at the discretion of the company); or (b) refund only the total amount of installments paid by the customer. Such refund shall be made exclusively by demand draft or wire transfer and no cash refunds shall be permitted. For clarity, any bonus, discount, or additional benefit (including the 100% bonus paid by the company) shall not be refunded under any circumstances.
• 17. The customer must carry the passbook at the time of paying the monthly advances and return the passbook at the time of redemption. If passbook is not shown during these situations, the claim/ transaction will be deemed invalid and ORRA shall not be entitled to redeem the advance payments by permitting the customer to purchase ORRA jewellery in accordance with this scheme.
• 18. In case the passbook is brought to ORRA by any other person who is not the customer, in whose name the passbook has been issued, or is not such customer's designated nominee, then ORRA is not responsible for the redemption / maturity / closure proceeds being handed over to such holder / bearer of the passbook. Therefore, all account holders should keep their passbooks in safe custody.
• 19. The passbook is non-transferable.
• 20. In the event of loss of passbook, the customer must immediately inform the concerned store to block the customer's account. ORRA shall issue a duplicate passbook to the customer upon the customer making a payment of INR 500 as charges for issuance of such duplicate passbook.
• 21. At the time of redemption / premature closure, the account holder must personally visit the ORRA store which had issued the passbook to the said customer, along with the original passbook and appropriate identity proof for redeeming the advance payments made by such customer by purchasing ORRA jewellery. If the customer would like to purchase the ORRA jewellery at a different ORRA store, the customer may do so and receive possession of the jewellery product on such date. However, the customer shall receive the invoice in respect of such sale within 10 (ten) working days of the date of redemption from the store where enrolment was first done. Customer shall submit their identity proof at the time of redemption of advance payments.
• 22. Pre-payment of monthly advances in a lump sum and redemption with discount thereon before the indicated date of maturity in the passbook will not be allowed. If the customer wishes to prepay all the monthly advances by making a lump sum payment, he/she will be eligible to purchase the ORRA jewellery with the discount mentioned in (2) above only at the end of the tenth month from the date of commencement of this scheme, as applicable for the concerned customer.
• 23. The accounts opened under the scheme are non-transferable between ORRA showrooms. However, customers can redeem their account from any ORRA store by purchasing ORRA jewellery worth 100% of the maturity amount (i.e. cumulative monthly advances + discount). No credit balance/ note shall be issued. Photo identity proof should also be submitted.
• 24. No account / balance transfer shall be made under the scheme to another person other than the original account holder.
• 25. In the event of death of the account holder, the account is transferable only to the individual(s) whose nomination has been filled by the account holder in the form at the time of opening the account. In case the account holder does not nominate any individual, any claim(s) made by any other individual(s) on behalf of the account holder will not be entertained. The nominee claiming the balance in the account can avail it only on submission of government recognized identity proof (such as driver's license, PAN card, passport, etc.) to the showroom, proving his identity as the nominee.
• 26. ORRA store will not be responsible or liable to send reminders for payments.
• 27. ORRA will not be responsible to adjust payment, if customer pays the installment to anyone other than ORRA’s company account/store.
• 28. Bank charges and any other charges in relation to dishonored cheques shall be borne by the customer.
• 29. Free gift / discount issued during the original sale, will be deducted at the time of buyback / exchange after valuation as per the prevailing policy.
• 30. Buyback and exchange policy of ORRA jewellery products shall be governed by ORRA's existing policies. Product purchased with benefit & discount given under this scheme shall remain in customer’s possession for a minimum of 1 year from the date of purchase and after 1 year of possession buyback/exchange is applicable. Please ask the sales executive for detailed explanation of these policies.
• 31. Redemption / foreclosure of the scheme cannot be made by cash disbursements and shall only be undertaken by purchase of ORRA diamond/gold/solitaire studded jewellery.
• 32. If the customer wishes to withdraw from this scheme, they will be eligible to purchase ORRA diamond / platinum/ gold/ solitaire studded jewellery equal to the value of monthly instalments paid by the customer under this scheme, less the value of the silver coin / free gift (if issued on enrollment) in case the customer does not return the same to the company.
• 33. The rate of gold / diamond will be based on ORRA’s prevailing rate of gold /diamond on the date of purchase or redemption, whichever is later.
• 34. The General Exchange Policy can also be availed in conjunction with the scheme. Please ask the sale executive for detailed explanation of these policies.
• 35. 100% bonus is applicable if all 10 payments collected are on time.
• 36. The company reserves the right to reject any application without assigning any reason whatsoever.
• 37. Company reserves the right to alter, amend, add, or delete part or whole of the privileges under the scheme without prior notice to the customers.
• 38. Company's liability under the scheme, is limited to the monthly advances paid by the account holders and accruing discount as per the scheme and conditions laid therein, and thus not lead to any other assurance or warranty
• 39. Disputes if any, will be subject to the exclusive jurisdiction of the courts in Mumbai only, to the exclusion of any other court's jurisdiction.
• 40. GST and other government levies shall be borne by the customer.
• 41. Payment can be made via cash/online/ ECS/ cheque/ demand draft/ QR Code and UPI link.
• 42. No cash payment will be accepted outside the store premises.

GROUP INVESTMENT SCHEME

• 1. Any individual willing to make advance payment of at least INR 3,000/ INR 5,000/ INR 6,000/ INR 18,000 for purchase of ORRA diamond studded gold & platinum jewellery, is eligible to enroll under this scheme.
• 2. Customers who enroll in this scheme shall be entitled to purchase ORRA diamond studded gold & platinum jewellery for a price equivalent or higher to the advance payments remitted by the customer under this scheme at the end of the tenth month from the date of commencement / first lucky draw under this scheme (as applicable for the concerned customer), at a discount equivalent to 150% of the first month's instalment paid by the customer under this scheme.
• 3. The scheme is valid for a period of 11 (eleven) months from the date the first draw is declared. For example, in case a customer enrolls in the scheme on 1st September 2022 and pays the first instalment on the same date, but the group gets completed on 15th October 2022 and first draw is declared on the same date, then the maturity date of the scheme, as applicable to such customer, shall be 15th August 2023, which is the end of the tenth month,
• 4. The monthly advance payments should be paid no later than 7 (seven) days from the customers' enrollment date under this scheme, and thereafter, on the same date of every succeeding month (“Payment Date”), during the tenure of this scheme. For example if a customer pays their first instalment on 1st January 2023 then automatically the customer has to pay the second installment on 1st February 2023, thereafter on 1st March 2023, and so on.
• 5. Customer would be entitled to the discount on purchase price, only if they have made at least 10 monthly advance payments. In case the customer fails to pay a monthly advance payment on or before the Payment Date, the discount provided to the customer under (2) above, shall be reduced.
• 6. This scheme is applicable only for purchase of ORRA diamond studded gold & platinum jewellery.
• 7. This scheme is not valid for purchase of gold and silver coins and bars/ any plain gold jewellery / solitaire jewellery/magic price products/special or discounted price products.
• 8. Under no circumstances, cash refunds will be made to the customer. The advance payments paid pursuant to this scheme can be redeemed only by way of purchasing ORRA jewellery, as listed in (6) above. Payment of monthly advance(s) should be made in cash or by way of demand draft/ cheque/ online/ UPI Link/ CC, in favor of ‘ORRA Fine Jewellery Pvt. Ltd.’ payable in the city where the customer opens their account under the scheme.
• 9. Customers can make the payment via UPI link available at the store.
• 10. Customer can make the payment through electronic clearance system (ECS).
• 11. As per RBI guidelines, cash payment above 2 lakhs will not be accepted.
• 12. Customers who enroll in this scheme and who wish to discontinue making monthly payments or opt out of this scheme before the eleventh month shall be entitled to purchase ORRA diamond studded gold & platinum jewellery at any ORRA store at the price displayed at the store, and no discount shall be provided on such purchase, and such purchase shall be subject to the conditions mentioned in (32) below. Refer to the GIS bonus calculation.
• 13. Customer is eligible for purchasing jewellery from any ORRA Store as soon as the customer's 10th monthly advance payment is paid and credited to the company and at the end of the 10th month from date of commencement of the scheme. Subject to clearance of the cheque or demand draft paid by the customer, the customer can purchase ORRA diamond studded gold & platinum jewellery from any store of the company.
• 14. If the customer does not redeem the advance payments by purchasing eligible jewellery within fifteen (15) days from the date on which the customer becomes entitled to redeem under this scheme, the Company shall conclude the sale immediately and in any event before 12 months from the date of commencement of the scheme by: (a) appropriating the amounts paid against an ornament of equivalent value (which has been pre-selected by the customer and in its absence, at the discretion of the company); or (b) refund only the total amount of installments paid by the customer. Such refund shall be made exclusively by demand draft or wire transfer and no cash refunds shall be permitted. For clarity, any bonus, discount, or additional benefit (including the 100% bonus paid by the company) shall not be refunded under any circumstances.
• 15. No ongoing offer/ additional benefit / discount shall be provided under this scheme, other than as explicitly provided herein.
• 16. At the time of joining the scheme, each customer will be given a passbook, which they are required to always keep under their safe custody. Customers should ensure that all payments made by them are correctly entered in the passbook and any discrepancy should be immediately brought to the respective showroom manager's notice for suitable rectification.
• 17. All advance payments made under this scheme can be paid at any ORRA store, but the customer will have to inform and share deposit receipt to the store where the account was first opened.
• 18. The customer must carry the passbook at the time of paying monthly advances and return the passbook at the time of redemption. If passbook is not shown during these situations, the claim / transaction will be deemed invalid, and ORRA shall not be entitled to redeem the advance payments by permitting the customer to purchase ORRA jewellery in accordance with this scheme.
• 19. In case the passbook is brought to ORRA by any other person who is not the customer, in whose name the passbook has been issued, or is not such customer's designated nominee, then ORRA is not responsible for the redemption / maturity / closure proceeds being handed over to such holder / bearer of the passbook. Therefore, all account holders should keep their passbooks in safe custody. The passbook is non-transferable.
• 20. In the event of loss of passbook, the customer must immediately inform the concerned store to block the customer's account immediately. ORRA shall issue a duplicate passbook to the customer, upon the customer making a payment of INR 500/- as charges, for issuance of such duplicate passbook.
• 21. At the time of redemption / premature closure, the account holder must personally visit the ORRA store which had issued the passbook to the said customer, along with the original passbook and provide appropriate identity proof for redeeming the advance payments made by such customer by purchasing ORRA diamond studded gold & platinum jewellery. If the customer would like to purchase the ORRA jewellery at a different ORRA store, the customer may do so and receive possession of the jewellery product on such date, but shall receive the invoice in respect of such sale within 10 (ten) working days of such date of redemption from the base store where account was first opened. Customer shall submit their identity proof at the time of redemption of advance payments.
• 22. Prepayment of monthly advances in a lump sum and redemption with discount thereon before the indicated date of maturity in the passbook will not be allowed. If the customer wishes to prepay all the monthly advances by making a lump sum payment, they will be eligible to purchase the ORRA diamond & platinum studded jewellery with the discount mentioned in (2) above, only at the end of the tenth month from the date of commencement/first lucky draw declared under this scheme, as applicable to the concerned customer.
• 23. The accounts opened under the scheme are non-transferable between ORRA showrooms. However, a customer can redeem their account from any ORRA store for the ORRA diamond studded & platinum jewellery worth 100% of the maturity amount (cumulative monthly advances + discounts), No credit balance/note will be issued. Photo identity proof should also be submitted.
• 24. No account / balance transfer shall be made under the scheme to another person other than the original account holder.
• 25. In the event of death of the account holder, the account is transferable only to the individual(s) whose nomination has been filled by the account holder in the form at the time of opening the account. In case the account holder does not nominate any individual, any claim(s) made by any other individual(s) on behalf of the account holder will not be entertained. The nominee claiming the balance in the account can avail the balance only on submission of government recognized identity proof (such as driver's license, PAN card, passport, etc.) to the showroom, proving their identity as the nominee.
• 26. ORRA store will not be responsible or liable to send reminders for payments.
• 27. Bank charges and any other charges in relation to dishonored cheques shall be borne by the customer.
• 28. ORRA will not be responsible to adjust payment if a customer pays the installment to anyone other than ORRA’s company account/store.
• 29. Free gift / discount issued during the original sale, will be deducted at the time of buyback / exchange after valuation as per the prevailing policy.
• 30. Buyback and exchange policy of ORRA diamond studded gold & platinum jewellery products shall be governed by ORRA's existing policies. Product purchased with benefit and discount given under this scheme shall remain in customer’s possession for a minimum of 1 year from the date of purchase and after 1 year of possession buyback/exchange is applicable. Please ask the sales executive for detailed explanation of these policies.
• 31. Redemption / foreclosure of the scheme cannot be made by cash disbursements and shall only be undertaken by purchase of ORRA diamond & platinum studded jewellery.
• 32. If the customer wishes to withdraw from this scheme, they will be eligible to purchase diamond / platinum studded jewellery equal to the value of monthly instalments paid by the customer under this scheme, less the value of the silver coin / free gift (if issued on enrollment) in case the customer does not return the same to the company.
• 33. The rate of gold / diamond will be based on ORRA’s prevailing rate of gold /diamond on the date of purchase or redemption, whichever is later. Subject to (32), this scheme will not be linked to any other, existing or future plan / offers.
• 34. The General Exchange Policy can also be availed in conjunction with the scheme. Please ask the sale executive for detailed explanation of these policies.
• 35. 150% bonus is applicable if all 10 payments collected are on time
• 36. The company reserves the right to reject any application without assigning any reason whatsoever.
• 37. Company reserves the right to alter, amend, add, or delete part or whole of the privileges of the scheme without prior notice to the customers.
• 38. Company's liability under the scheme, is limited to the monthly advances paid by the account holders and accruing discount as per the scheme and conditions laid thereon, and thus not lead to any other assurance or warranty whatsoever.
• 39. Disputes if any, will be subject to the exclusive jurisdiction of the courts in Mumbai only, to the exclusion of any other court's jurisdiction.
• 40. GST and other government levies shall be borne by the customer.
• 41. Payment can be made via cash/ online/ ECS/ cheque/ demand draft/ QR Code and UPI link.
• 42. No cash payment will be accepted outside the store premises.