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<p><strong>SWANA KALASHAM SCHEME<span>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong></p>
<p style="text-align: center;"><strong>TERMS AND CONDITIONS</strong></p>
<p><strong>General Terms:</strong></p>
<ul>
    <li>CapsGold Pvt Ltd (The Company) is a registered entity as per &ldquo;Companies Act 1956&rdquo; with it Corporate Office Located at #3-2-354, SV Street, RP Road, Secunderabad, Telangana 500003.</li>
    <li>KALASHA Fine Jewels is the brand owned by the Company. Retail stores in the state of Telangana, Andhra Pradesh and Karnataka.</li>
    <li>SwarnaKalasham Monthly Saving Scheme (SWK Scheme) is introduced by the company as a part of customer retention program. </li>
    <li>SWK Scheme is launched and run by The Company as per all Govt. Rules and Regulations.</li>
    <li>All Disputes arising shall be &ldquo;Subject to Hyderabad Jurisdiction&rdquo;.</li>
    <li>Any terms, which might not have been covered in this leaflet or the application form, would be at the discretion of the company and would be deemed as irrevocable and final.</li>
    <li>All rights reserved. Caps Gold Private Ltd. reserves the right to modify or suspend the scheme at any time.
    <p><strong>Scheme Terms:</strong></p>
    </li>
    <li>SWK Scheme is where the customer pays 10 monthly instalments (Scheme Amount) and The Company pays 01 instalment (Bonus Amount). </li>
    <li>Redemption Amount = Scheme Amount + Bonus Amount</li>
    <li>SWK Scheme collections and bonus shall be treated as advance paid by customers in the books of customers and the finally concluded by the sale of gold jewellery / silver articles to customers.</li>
    <li>Scheme amount accumulated can be redeemed only against the purchase of gold jewellery / silver articles from any stores of KALASHA FINE JEWELS.</li>
    <li>Gold / Silver coins &amp; bars OR bullion shall NOT be redeemable for the scheme amount.</li>
    <li>The SWK Scheme redemptions shall be claimed only for the amount they are entitled.</li>
    <li>This SWK Scheme cannot be combined / clubbed / not applicable for any kind of SALE / Promotion.</li>
    <li>Refund of cash / refund of Scheme amount shall NOT be made.</li>
    <li>On successful completion of the scheme you must complete your purchase of jewellery within 30 days.</li>
    <li>At the time of redemption, please present the passbook
    <p><strong>Payment Terms:</strong></p>
    </li>
    <li>The monthly instalments will have to be paid on or before due date of every month from the date of enrolment.</li>
    <li>Maximum of 05 days grace period would be given to make payments.</li>
    <li>If the scheme is discontinued by a customer for whatsoever reason, then the customer can purchase jewellery only to the extent of amount (instalment) paid, and will also have to pay the first month's discounted amount. No bonus shall be given by company.</li>
    <li>It is advised not to make any deviations or changes in monthly instalment during the period of the savings scheme. If the aforesaid need arises, a new enrolment can be initiated.</li>
    <li>Monthly Instalments Payments of scheme can be made by Cash / Cheque / DD / Bank Transfer / UPI / Credit and Debit Cards.</li>
    <li><strong>Bank Details :</strong>
    <ul style="list-style-type: circle;">
        <li>Beneficiary Nam:CapsGold Pvt Ltd.</li>
        <li>A/c No:32925038787</li>
        <li>IFSC Code:SBIN0018395</li>
        <li>Bank :State Bank of India</li>
        <li>Branch:Banjara Hills, Hyderabad</li>
    </ul>
    </li>
    <li>UPI ID:8886782299@sbi (Merchant Name : CapsGold Pvt. Ltd.)</li>
    <li>PAYTM Number: 9121206876</li>
    <li>Free Cash Pick-Up Service can be availed by calling to our authorized representative or on 9393992499.</li>
    <li>E-receipt will be generated for the monthly payments of the instalments and sent to customer email id or added against the customer ledger in the Mobile APP.</li>
    <li>Non-payment of 03 subsequent instalments shall lead to termination of the savings scheme for the particular customer.</li>
    <li>For accounts for the monthly subscription amount of Rs. 20.000/-and more PAN number will be required.</li>
    <li>We also offer the facility of issuing post-dated cheques. This will help you to pay the subscription every month automatically without any hassle or delay in payment. This will ensure that you do not lose bonus due to delayed payments.</li>
</ul>
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