Terms & Conditions

Last updated: 12 November 2026

These Terms & Conditions ("Terms") govern your use of www.swarnaz.com (the "Website") and every purchase you make from us online. The Website is owned and operated by SWARNAZ JEWELLERY PRIVATE LIMITED, trading as Swarnaz Jewellers ("Swarnaz", "we", "us" or "our").

By browsing the Website, creating an account or placing an order, you agree to these Terms, our Privacy Policyand any other policies linked on the Website. If you do not agree, please do not use the Website.

1. About us

2. 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.
• If you are under 18, you may use the Website only with the involvement of a parent or guardian, who will place the order.
• We currently accept orders for delivery within India only.

3. Your account

• You are responsible for keeping your login details safe and for all activity on your account.
• Please give accurate name, phone, email and address details. We are not responsible for failed or delayed delivery caused by incorrect details.
• We may suspend or close accounts involved in fraud, abuse of offers, or breach of these Terms.

4. Our products and what they are made of

Swarnaz offers lightweight, wearable jewellery across different metals and finishes. The material, purity and finish stated on each product page is the description that applies to that product. Please read it before you buy.

• Gold-finish, gold-tone, 1g Gold and similar plated or micro-plated jewellery is not solid gold. It has a gold-coloured finish over a base metal or alloy, unless the product page says otherwise. It is not hallmarked and has no gold resale or exchange value.
• "10% Gold" and other part-gold collections contain the gold content stated on the product page. They are not equivalent to 14K, 18K or 22K gold jewellery unless clearly stated.
• Silver jewellery is made of the silver purity stated on the product page (for example, 925 sterling silver).
• Solid gold jewellery sold as 14K, 18K, 22K or other caratage carries the BIS hallmark and HUID wherever required under the law.
• Stones: unless a product page specifically says "natural", "certified" or "diamond", stones used in our jewellery (white stones, ruby-red, emerald-green, pink, turquoise, pearls, etc.) are synthetic, cubic zirconia, glass, or simulated stones used for design.
• Images and appearance: we try to show every piece as accurately as possible. Small differences in colour, shine, size or texture can occur because of lighting, photography and screen settings. Handcrafted pieces may also vary slightly from one piece to another. These are not defects.
• Weight and size: weights and dimensions shown are approximate. Small variations are normal in jewellery making.

5. Prices and metal rates

• All prices are in Indian Rupees (INR). Taxes, discounts and shipping charges, if any, are shown at checkout before you pay.
• Gold and silver rates shown on the Website are for reference and may change during the day. For metal-rate-linked products, the price shown at the time you place your order is the price you pay.
• Prices, offers and product availability may change without notice. A change will not affect an order already confirmed and paid for.
• If a product is listed at a clearly wrong price because of a technical or typing error, we may cancel the order and give you a full refund, even after you receive an order confirmation. We will inform you before doing so.

6. Placing an order

• An order you place is an offer to buy. A contract is formed only when we confirm and dispatch your order.
• You will receive an order confirmation by email, SMS or WhatsApp. This confirms we have received your order; it does not guarantee availability.
• We may refuse or cancel an order if the product is out of stock, the price or description is wrong, the payment fails or looks suspicious, the delivery address is not serviceable, or we see misuse of offers or bulk buying for resale. If you have already paid, we will refund the full amount.

7. Payment

• We accept the payment methods shown at checkout, which may include UPI, debit and credit cards, net banking, wallets and Cash on Delivery (COD) where available.
• Online payments are processed securely by our payment partners. We do not store your card, UPI PIN or bank login details.
• COD may not be available for some products, order values or pincodes. We may ask you to confirm a COD order by phone or WhatsApp before we dispatch it. Repeated refusal of COD orders may lead to COD being turned off for your account.

8. Shipping and delivery

• We ship across India through trusted courier partners. Most orders are dispatched within [1–3] working days and delivered within [3–7] working days after dispatch, depending on your location.
• Delivery timelines are estimates. Delays caused by courier issues, weather, festivals, strikes or other events outside our control are not our responsibility, but we will help you track and follow up on your order.
• Free shipping applies on orders above the amount shown on the Website and at checkout. Shipping charges for other orders are shown at checkout.
• You can track your order using the "Track Your Order" link on the Website or the tracking link we send you.
• Please check the package at delivery. Do not accept a package that looks opened, damaged or tampered with. We strongly recommend recording an unboxing video without cuts while opening your parcel, as we may need it to process any claim for damaged, missing or wrong items.

9. Cancellations

• You can cancel an order before it is dispatched by contacting us on WhatsApp or email with your order number. Prepaid orders cancelled before dispatch will be refunded in full.
• Once an order is dispatched, it cannot be cancelled. You may follow the return process below, where applicable.
• Customised, personalised or made-to-order pieces cannot be cancelled once production has started.

10. Returns, exchanges and refunds

• Damaged, defective or wrong item: please contact us within [48 hours] of delivery with your order number, photos and the unboxing video. Once verified, we will offer a replacement, exchange or full refund.
• Change of mind: eligible products may be returned or exchanged within [7 days] of delivery if they are unused, in original condition, with all tags, packaging and the invoice.
• Not eligible for return or exchange (except when damaged, defective or wrong): items marked "Final Sale", earrings, nose pins, naths and other pierced jewellery (for hygiene reasons), customised or personalised pieces, and products bought during clearance sales where this is stated.
• Approved refunds are made to your original payment method within [7–10] working days after we receive and check the returned item. For COD orders, we will refund to your bank account or UPI ID.
• Full details are in our Return & Refund Policy. If anything there differs from this section, the Return & Refund Policy applies.

11. Product care and finish

• Plated and gold-finish jewellery is for fashion use. The finish can fade over time with wear, sweat, water, perfume, cosmetics and chemicals. This normal wear is not a manufacturing defect.
• To make your jewellery last longer: keep it away from water, perfume and sanitiser; remove it before bathing, swimming or exercise; and store it in an airtight pouch or box.
• Silver may darken (tarnish) naturally over time. This is a natural property of silver and can be cleaned.

12. Customised and made-to-order jewellery

For customised pieces, we will share the design, material, price, advance amount and delivery time with you before production begins. Custom pieces are made specially for you and are non-returnable and non-refundable, except for manufacturing defects. Any advance paid for a custom order is non-refundable once production has started.

13. Offers, coupons and discounts

• Offers and coupon codes are valid only for the period and on the products stated. Only one coupon can be used per order unless stated otherwise.
• Sign-up discounts (such as a welcome offer for joining our list) are valid once per customer.
• Coupons have no cash value and cannot be exchanged for cash.
• If an order with a discount is partly returned, the refund will be adjusted for the discount actually applied.
• We may change or withdraw any offer at any time, and may cancel orders where offers are misused (for example, through multiple accounts).

14. Store purchases

Purchases made at our Bakerganj, Patna showroom are subject to the terms explained at the store and printed on your invoice. Online offers may not apply in-store, and in-store offers may not apply online, unless stated.

15. Reviews and content you share

• When you post a review, photo or video about our products, you allow us to show it on the Website and our social media pages, with credit to you where possible.
• Your content must be honest and must not be abusive, false, misleading, obscene or illegal, or infringe anyone else's rights. We may remove content that does not follow these rules.

16. Intellectual property

All content on the Website, including the Swarnaz name and logo, jewellery designs, product photos, videos, text and graphics, belongs to Swarnaz or its licensors and is protected by Indian intellectual property law. You may not copy, reproduce, sell or use any of it for commercial purposes without our written permission.

17. Acceptable use

You agree not to:

• use the Website for any illegal or fraudulent purpose;
• place fake orders, or orders using another person's payment details without permission;
• try to hack, disrupt, scrape or overload the Website; or
• buy products in bulk for resale without our written consent.

18. Limitation of liability

• We take care to keep the Website accurate and available, but we do not guarantee it will always be error-free or uninterrupted.
• To the extent allowed by law, our total liability for any claim related to an order is limited to the amount you paid for that order.
• We are not liable for indirect or consequential losses, or for allergic or skin reactions to metals or stones. If you have a known metal sensitivity, please check the material on the product page or contact us before buying.
• Nothing in these Terms limits your rights as a consumer under the Consumer Protection Act, 2019.

19. Indemnity

You agree to compensate Swarnaz for any loss, claim or expense caused by your breach of these Terms, your misuse of the Website, or your violation of any law or third-party rights.

20. Events outside our control

We are not responsible for delays or failure to perform caused by events beyond our reasonable control, including natural disasters, floods, pandemics, government orders, strikes, courier or internet failures. We will keep you informed and, where we cannot fulfil your order, refund you in full.

21. Third-party links and services

The Website may contain links to third-party websites and services, such as payment gateways, courier tracking pages and social media. We are not responsible for their content, terms or privacy practices.

22. Governing law and disputes

These Terms are governed by the laws of India. We encourage you to contact us first so we can resolve any issue amicably. Subject to your rights under consumer protection law, the courts at Patna, Bihar will have jurisdiction over any dispute arising from these Terms or your use of the Website.

23. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new "Last updated" date. The Terms in force when you place an order apply to that order.

24. General

• If any part of these Terms is found invalid or unenforceable, the remaining parts will continue to apply.
• If we do not enforce any right under these Terms, it does not mean we have given up that right.
• These Terms, together with our Privacy Policy and other policies on the Website, form the complete agreement between you and Swarnaz for your use of the Website.

25. Contact us

Swarnaz Jewellers
36/37, Bakerganj, Patna, Bihar – 800004
WhatsApp / Phone: +91 82103 67749
Email: contact@swarnaz.com
Showroom hours: 11:00 AM – 8:30 PM