Terms of service

Last updated: 3 October 2026

These Terms of Service ("Terms") govern your use of this online store and any purchase you make from it. The store is operated by Sree Lakshmi Narashimha Jewellers, a proprietorship of Akil Chilukuru, GSTIN 37ARXPC5551A1ZS, 19D, SVC, Shroff Bazar, Old Bus Stand, Kurnool, Andhra Pradesh 518001 ("we", "us", "our"). By using this store or placing an order, you agree to these Terms, our Privacy Policy, Shipping Policy and Return and Refund Policy. These Terms are published in line with the Information Technology Act, 2000, the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020.

1. Eligibility

  • You must be at least 18 years old and legally able to enter into a contract under the Indian Contract Act, 1872 to place an order.
  • You agree to give accurate name, address, phone and email details. Orders with incorrect or suspicious details may be cancelled and refunded in full.

2. Products and descriptions

  • All gold jewellery sold is BIS hallmarked with a unique 6-digit HUID, as required by law. You can verify it on the BIS Care app. Purity, gross weight, net weight and stone details are shown on each product page and on your invoice.
  • Photos are for reference. Because jewellery is handcrafted, colour, finish and design may vary slightly. The final invoice reflects the actual weight of the item delivered.
  • Product availability is not guaranteed until your order is confirmed.

3. Pricing

  • Gold and silver prices change daily. The price shown at checkout is calculated from our rate on that day: net metal weight x rate, plus wastage/making charges and stone charges, plus GST at 3% on the total value.
  • The price is locked at the moment your payment is successful. Later rate changes do not affect a paid order.
  • All prices are in Indian Rupees (INR) and the total payable, including GST, is shown before you pay. Delivery within India is free and fully insured. A GST tax invoice is issued with every order.
  • If a product is listed at a clearly wrong price due to a technical or typing error, we may cancel the order before dispatch and refund you in full.

4. Orders and payment

  • An order is confirmed only after payment is successfully received and we send you a confirmation.
  • Payments are processed securely by Razorpay, an RBI-authorised payment aggregator. We do not store your card, UPI or bank details.
  • Cash on delivery is not available.
  • Pieces priced at Rs 50,000 or more: we recommend a live video call before you buy. Tap Book a video call on WhatsApp on the product page and we will show you the exact piece; once you confirm, we send you a secure Razorpay payment link at that day's price. You may also buy directly without a call. Change-of-mind returns are exchange only, as per our Return and Refund Policy.
  • As required by Indian law, orders of Rs 2,00,000 or more require your PAN. We may request ID to verify any order.
  • We may refuse or cancel any order for reasons including stock unavailability, pricing error or suspected fraud. In such cases you receive a full refund.

5. Custom and made-to-order jewellery

  • Design, weight, purity, price estimate, advance amount and delivery date are confirmed in writing before work begins.
  • The final price is based on the actual weight and the rate agreed at the time of order.
  • Custom items cannot be exchanged except for a manufacturing defect.

6. Delivery, exchange and refunds

Delivery is governed by our Shipping Policy, and cancellations, exchanges and refunds by our Return and Refund Policy, both of which form part of these Terms.

7. Use of the website

  • You may not use this store for any unlawful purpose, attempt to disrupt it, or copy its content, photos or designs for commercial use without our written permission.
  • All content on this store, including photos, text, logo and designs, belongs to Sree Lakshmi Narashimha Jewellers.

8. Privacy

Your personal data is handled as described in our Privacy Policy and in line with the Digital Personal Data Protection Act, 2023.

9. Limitation of liability

To the extent permitted by law, our total liability for any order is limited to the amount you paid for that order. We are not liable for indirect losses or for delays caused by events beyond our control, such as natural disasters, strikes, government action or courier network failures. Nothing in these Terms limits your rights as a consumer under the Consumer Protection Act, 2019.

10. Changes to these Terms

We may update these Terms from time to time. The version on this page at the time you place your order applies to that order.

11. Governing law and disputes

These Terms are governed by the laws of India. Please contact our Grievance Officer first; most issues can be resolved quickly. Subject to your right to approach the Consumer Commission where you reside or work, disputes are subject to the jurisdiction of the courts at Kurnool, Andhra Pradesh.

12. Grievance Officer and contact

Name: Akil Chilukuru, Proprietor
Phone/WhatsApp: +91 80193 31392
Email: akil4u883@gmail.com
Address: Sree Lakshmi Narashimha Jewellers, 19D, SVC, Shroff Bazar, Old Bus Stand, Kurnool, Andhra Pradesh 518001
We acknowledge complaints within 48 hours and resolve them within one month of receipt.