Terms & Conditions (Customers)

General T&C

a) The buyer hereby declares and confirms that all the information provided by him/her in the CC EMI form or Cardless EMI form are extremely true and can be used for submitting to our partner approving financial firms.

b) Provided email id OR mobile number will be used for any further official communications.

c) ApprovalThe decision to approval and rejection of your EMI application is with approving financial entity, they can reject your EMI application without telling the reason for the rejection. Neither Jewelfina nor jewellers govern or influence this approval or rejection decision.

d) Upon approval of the transaction or cardless EMI application, any disputes with the approving entity, customers need to directly workout a resolution with the approving financial entity or Credit Card company. Jewelfina shall not be held responsible for any such disputes.

e) Service tax will be applicable on charges & may vary as per government rules and regulations.

f) By submitting your EMI application to jewelfina, customer or EMI applicant is authorizing our partner financial firm to check your CIBIL score.

g) Quality of Deliverables: On approval, customer need to resolve any quality or service related issues with the jeweller from where the jewelry is purchased, warranty/guarantee of the jewelry purchased or on any exchange or return, as per internal policy of the Jeweler. Neither the approving bank nor JewelFina are liable for service or product quality related issues.

f) Cancellation Policy: If the customer wants to cancel purchase of the product after the EMI is approved, in such case processing fees and shop processing are not refundable. We will debit the same during the settlement of future transactions.


Credit Card EMI T&C

a) Credit Card EMI transactions can be done on Platinum Jewelry, Silver Jewelry and Diamond Jewelry in 18ct.

b) Credit Card EMI transactions are not allowed on Gold Bullion in any form, Gold Coins in any form and Gold Jewelry.

c) Invoice: Jeweler will be required to submit invoice of transactions completed on Credit Card EMI.


Flexi EMI without Credit Card T&C

a) Flexi EMI without Credit Card transactions can be done on Platinum Jewelry, Silver Jewelry, Silver article and Diamond Jewelry etc.

b) Flexi EMI without Credit Card transactions are not allowed on Gold Bullion in any form, Gold Coins in any form.

c) Areas: Currently Flexi EMI without Credit Card is available in city 22 cities

d) Invoice: Jeweler will be required to submit invoice of transactions completed on EMI without Credit Card.