All customers / members are advised to read and comply with the detailed terms and conditions mentioned in the catalogue, and if required, also to clarify with the respective country outlets at the time of enrolling for the easy gold payment plan.

Payment of monthly advance using this portal can be made presently only for Kuwait & USA. Monthly payments should reach before the 15th of every month. Payment reaching after this date will be treated as default /not paid for that particular month, and final offer of incentive gift voucher will be calculated on that basis, apart from postponing the date of the jewellery purchase.

Upon the completion of the plan, the member is eligible to purchase gold, diamonds, pearl or precious stone jewellery at the existing markets terms and conditions as applicable on that date. No cash is awarded/refunded.

All entries made or not made can be deemed approved if not contested in writing by the members within 15 days from due date or the date of entry. Members should ensure that instalment made by them are correctly entered upon the payment. If any discrepancy it should be immediately brought to the notice of the respective outlet manager for necessary correction.

Pre-payment of instalments at one time and redemption (with incentive) thereafter on or before the indicated day of maturity (based on tenure selected by the customer initially on joining the scheme) will not be allowed. If the member wishes to pay all the instalments, he/she can do so. However, they will be eligible for incentive only on maturity of the plan and not at any time prior to the period.

Purchase with maturity benefit can be availed only after the last installment, according to the maturity of the scheme. Last installment cannot be earlier than 15 days before the actual maturity date of the scheme.

Joyalukkas Jewellery reserves the right to alter, amend, add or delete part or whole of the privileges of the plan. In such event, the member may purchase the item at the Joyalukkas outlet where they are a member of the plan, equal to the value of money accumulated in this account as on that date.

By entering the plan, you accept these terms and conditions. All terms and conditions of this plan shall be interpreted and construed according to the country laws and any disputes shall be subject to exclusive jurisdiction of the country courts.