Terms of Use

These terms govern the use of the LORD JEWELLER website, mobile app and distributor portal operated by Global Gold Pvt Ltd, Sivakasi (the "Company"). By creating an account, buying, saving or acting as a distributor or dealer, you accept them.

1. Accounts

An account is opened with a mobile number verified by one-time password, and for distributors with a distributor code issued at a branch. You are responsible for every action taken under your login; tell your branch immediately if you suspect misuse. Biometric login is a convenience on your own device and does not replace the OTP for payments.

2. Prices

Gold and silver are sold at the live rate published by Head Office at the moment of billing, plus the making and wastage charges shown for the weight bracket, hallmarking charges and GST. The daily price list in the app is indicative; the invoice is final. Rates change during the day and the Company may refuse an order placed on a stale rate.

3. Purchases, contracts and QR codes

Every sale is documented by a tax invoice (or a contract for contract-only schemes). Metal that is held in branch stock for you is represented by a redeemable stock QR; it can be redeemed only by the registered customer, at a branch, after a one-time password sent to the customer's app. A QR that has been redeemed, cancelled or has expired has no value.

4. Gold Saving schemes

Instalments are due on the scheme's monthly date; a reminder is sent ten days ahead. Missed instalments may delay maturity and the scheme bonus. Settlement at maturity is in gold (or its value, where the scheme so provides) at the live rate on the settlement date. Early closure is at the Company's discretion and may forfeit the bonus.

5. Digi Market

Digital gold and silver are bought and sold in grams at the live rate. Withdrawals are to cash only, after the platform fee stated in the app, and are credited to your cash wallet. Digital balances cannot be transferred to another person.

6. Distributors and dealers

Sales incentives, turnover-based salary, promotional incentives and dealer margins are computed by the portal under the scheme sheet in force and are credited to a wallet only after Head Office approval, net of statutory TDS and the service charge. Earnings are capped at the value a distributor has contracted. The Company may correct, hold or recover any amount paid in error or in breach of these terms. Dealer stock is supplied against payment or wallet balance and remains subject to audit.

7. Cancellations and refunds

See the Refund Policy and Return / Exchange Policy. A bill may be cancelled only by Head Office, and only until its stock QR is redeemed or an instalment is collected on its contract.

8. Acceptable use

You may not use the platform to launder money, structure cash transactions, misrepresent KYC details, enrol fictitious distributors or interfere with the service. The Company may suspend an account pending investigation.

9. Liability

The Company's liability for any claim is limited to the value of the transaction concerned. It is not liable for delays caused by payment gateways, networks or events beyond its control.

10. Law and disputes

These terms are governed by Indian law. Disputes are subject to the exclusive jurisdiction of the courts at Sivakasi, Tamil Nadu, after an attempt at resolution through the in-app support desk.