THE ALWAYS EXTRA PLAN – Terms & Conditions

The ALWAYS EXTRA Plan by KUMARI offered from the house of DP Jewelline facilitates Customers to purchase by making advance payments for the same over 9 (Nine) a month and the Customer will be entitled to avail of certain discounts at the end of the term, subject to these Terms and Conditions. The accumulated advances must be appropriated against jewellery at the KUMARI Store within the validity period of the program. Should the Customer not convey any preference within the stipulated period.

Important

Important: Once enrolled, the customer must maintain correct and updated contact details and addresses with DP Jewelline.

DP Jewelline will not be liable for any loss to the Customer as a result of incorrect or out-of-date contact details and/or addresses.

Definitions

• Enrolment Date: Enrolment date means the date of payment of the first installment. In case the first installment is paid by cheque, then the Enrolment Date shall be the date on which the cheque amount is credited to DP Jewelline's account.
• Validity Period:Validity Period means the period ending 360 days from the Enrolment Date.
• Reference Date: Reference Date means: For programs that are pre-closed before the 5th monthly payment has been completed, the day immediately after the receipt of pre-closure notice from the Customer. For programs, that are pre-closed after the 5th monthly payment has been completed, the day which falls 1 month after the date of receipt of the pre-closure notice from the Customer. For completed programs, the first day of the 11th month of the Program.
• Appropriation Period:Appropriation Period means the period starting from the Reference Date and extending to the end of the Validity Period.
• Purchase Date: Purchase Date means the date when the Customer appropriates the accumulated advance and associated discount against jewellery selected from a KUMARI store, subject to the terms and conditions herein or default option date.
• Default Option Date: 3Default Option Date means the 361st (three hundred and sixty-first) day after the Enrolment Date i.e., the day immediately after the end of the Validity Period if the Customer has not selected any jewellery at a KUMARI Store against which to appropriate the accumulated advances subject to the terms and conditions herein.
• Pre-closure Pre-closure means when the Customer expressly opts out of the Program before payment of all 9 (nine) installments by notifying the Company.
• Advance:Advance means an individual monthly installment.
• Accumulated Advances: Accumulated Advances mean the sum of all installments received by DP Jewelline up to the Reference Date.
• Prevailing Gold Rate: Prevailing Gold Rate means the Company’s city-wise gold rate prevailing at the specific time of the transaction. The prevailing Company’s gold rate is an intra-day rate that depends on multiple factors including spot rate in the open.
• Discount Voucher: Discount voucher means the benefit value eligible for redemption at the point of purchase, excluding any previously accumulated advance amounts, in accordance with the terms and conditions set forth in this document.

Installments

• Customer has to pay nine (nine) fixed monthly installments of a minimum of ₹ 1,000/- (Rupees One Thousand) or above (in multiples of Rupees One Thousand).
• Once the first installment is paid, the installment amount cannot be changed. A new separate program can be added by the Customer for any additional amount.
• Customers will be eligible to avail of the accumulated advances and any associated discount only during the appropriation period, subject to the Terms and Conditions herein, by the purchase of jewellery from the Company at the KUMARI stores. The said discount shall only be applied to the purchase of the specific jewellery against which the accumulated advances are appropriated.
• The due date of each installment must be the same date of the next calendar month as the date of enrolment. E.g., Enrolment Date 1-Jan, next Due Date, will be 1-Feb or before.
• In case the month does not have the last date on which the installment started, then it shall be the last date of the respective month. For example: if 1st installment started on 31st Jan, then the Due Date for the next installment will be 28th / 29th Feb, 31st March, 30th April respectively, and so on for the remaining period of the program.
• In case of a delay in payment of the monthly installment, the total discount amount as promised will be reduced proportionately. Since the program and installments herein are discounted on a time-value-of-money basis, the said proportionate discount reduction is based not only on the number of days of delay in payment but also, on which installment is delayed. DP Jewelline shall not be liable under any circumstances to pay any interest under the program on the installments paid by the Customer.

Appropriation/Discount

• The Customer is mandatorily required to appropriate the accumulated advance and an associated discount against jewellery from a KUMARI Store before the completion of 360 days from the Enrolment Date.
• The First Installment Discount of 10% shall apply on the first installment amount and may be combined with the redemption benefit (i.e., 100% of one installment after 9 months, 50% after 7 months, or 30% after 5 months)
• The Customer would be eligible for a discount of 100% (One Hundred percent) of one month’s installment after the completion of 9 months from the Enrolment Date, subject to the Customer having made timely payment of all nine monthly installments. This discount must be availed in full at the time of appropriation of accumulated advances against jewellery during the appropriation period.
• The Customer shall be required to remain present personally at the selected KUMARI store at the time of making the appropriation/purchase.
• Discount voucher can be utilized to purchase diamond studded, gemstone studded, pre-set solitaire jewellery, and gold/Italian Jewellery. You cannot purchase Gold Coins/Metal or any Silver Jewellery. No customization order will be taken under this plan.
• Provided the customer pays at least five (5) installments on time and does not delay more than two (2) payments during the plan period. In case of non-compliance with these conditions, all discounts, including the First Installment Discount, will be forfeited. The Company reserves the right to verify payment history before confirming discount eligibility.

Note: You are not eligible for any discount (including 1st installment discount) if you pay less than 5 installments or make more than 2 late payments.

Payment & Redemption

• The monthly installment amount needs to be paid on or before the monthly due date. Payments can be made at any of our stores or online.
• Under the THE ALWAYS EXTRA PLAN you will be entitled to purchase diamond studded, gemstone studded, pre-set solitaire jewellery, and gold/Italian Jewellery. You cannot purchase Gold Coins/Metal or any Silver Jewellery. No customization order will be taken under this plan. If you wish to redeem your THE ALWAYS EXTRA PLAN early, you can do so by paying the 5th month installment. Please note that you will be entitled to a lower special discount if you choose to do so.
• The payment for monthly installments can be done through Cash (not exceeding a sum of ₹ 1,99,999/- cumulatively for the period of the program), E-NACH, Credit/Debit cards, cheques, Bank transfers, and UPI. Payment/exchange through the General Exchange Program or DP Jewelline Exchange Program is not permitted. International Cards/ Transfers for Online Payments will not be accepted. Payments can be made at KUMARI stores or through the program website as may be applicable.
• DP Jewelline shall not be responsible for any online payment failure or for money being debited from the Customer’s account. Customers are requested to check with their banks or other service providers for such payment failures. It is the responsibility of the account holder to enter details correctly.
• DP Jewelline will not be responsible or liable for sending reminders for payments.
• The customer can ask for a computerized receipt from KUMARI Stores only after the clearance of payment. In the case of E-NACH/Standing Instruction enabled accounts, the Program cannot be closed before the Appropriation Period, unless the benefit holder has cancelled the E-NACH/Standing Instruction by submitting the required form to DP Jewelline.

Delay in Installment Payments

If you miss paying more than 2 installments within the due date you will not be eligible for any benefit. The Accumulated advance will be the same as the sum of installment amounts paid by you.

Pre-Closure

• The Customer will have the option to avail of pro-rata discounts upon pre-closing the program only if the Customer has paid a minimum of 5 [five] monthly installments. In the event of such pre-closure, the customer may purchase jewellery at KUMARI Store equal to or greater than the value of the installments accumulated in his/her account as of that day, subject to any difference being paid by the Customer.
• In the event the Customer has pre-closed without paying a minimum of five installments, the customer will not be eligible for any discount. The customer can utilize the accumulated installments to purchase any jewellery at KUMARI Store.

Enrollment / KYC

• Only individuals above the age of 18 can enroll in the KUMARI Installment Program, subject to KYC requirements as applicable by law. Other entities like companies, partnership firms proprietorship concerns or trusts, or Hindu Undivided Family (HUF) or NRI Customers cannot enroll in the programme.
• Customers registering for the programme must submit a declaration of nominee at the time of enrollment. Customers cannot enroll with borrowed money. Enrollment may be through offline mode, i.e., at the KUMARI Stores, or online by registering on the KUMARI website www.kumari.co
• The Customer should ensure that the name used for the program enrollment is as per the photo identity proof provided to the company and that the final product billing is also done for the same Customer’s name.
• In case of any change in contact details or any other details that the Customer may have furnished, the Customer shall immediately contact any KUMARI Store to effect the changes.
• DP Jewelline reserves the right to verify the identity of the customer using SMS and/ or OTP generation or by other means at any time, including at the time of enrolment, at the time of concluding appropriation of the accumulated advances against jewellery, and taking delivery of the jewellery, or at the time of use of discount voucher when applicable. DP Jewelline also reserves the right to verify the authenticity of the documents provided by the customer.
• Customers are eligible to transfer their scheme account to a different location of the KUMARI Store, however, the transfer is subject to the Company being satisfied with the validity of the identity proof in the transferee store. The Company can seek fresh KYC in case of a transfer of store along with the formal transfer request letter.
• At the time of purchase of jewellery, the customer must personally visit the store and should produce a valid photo identity proof & a self-attested PAN Card for monthly installments above ₹ 18,000 (Rupees Eighteen Thousand Only). The company reserves the right to satisfy itself as to the identity of the customer in the manner it deems fit.
• By enrolling to THE ALWAYS EXTRA PLAN, the Customer expressly consents to receive calls, text messages, and electronic mails, including auto-dialled and pre-recorded calls, messages, and emails, from DP Jewelline, its affiliates, marketing partners, agents, and others who may call or send messages or electronic mails to the Participant on behalf of DP Jewelline, in connection with the THE ALWAYS EXTRA PLAN, at the contact details provided by the Participant to DP Jewelline.
• At the time of enrollment, the Customer should ensure that the Installment Program Enrollment Form is signed in the space provided, physically or electronically, as the case may be, accepting these terms and conditions. Notwithstanding the foregoing, as soon as the customer effects the first transaction under this Plan, it shall be deemed that the customer has accepted these Terms and Conditions.
• At the time of enrollment, the Customer must provide bank account details by submitting a cancelled cheque copy/bank statement/passbook front page clearly showing the account holder name, bank name, account number, IFSC code, and bank branch details. The bank account must be in the name of the enrolling customer only.
The Company shall have sole discretion to reject any application for enrollment in this Program and shall not be required to provide any reason for such rejection.

Refunds

• Customer shall have no right to refunds other than strictly as per the terms herein.
• This Program or benefits under this Program are not transferable or assignable, save, and except, in case of death in the manner as provided in this program.
• If you choose to cancel/terminate the THE ALWAYS EXTRA PLAN, you will be entitled to utilize the total amount paid by you against the plan. You will not be entitled to a refund of the monthly installments or any portion thereof, paid by you towards the plan, except when the Default Option Date is reached as defined herein (i.e., the 361st day after the Enrolment Date when the Customer has not selected any jewellery to appropriate the accumulated advances). In such cases where the Default Option is triggered, any refund of accumulated advances will only be credited to the bank account details provided by the customer at the time of registration. Any discount given under THE ALWAYS EXTRA PLAN will be deducted during cancellation/termination.

Additional T&Cs

• This Program is applicable across India and the customer can appropriate the accumulated advances against jewellery and take the delivery of the jewellery anywhere in the country where KUMARI has a presence.
• The Company reserves the right to alter, amend, add, or delete part or whole of the terms of the Program with prior notice to the account holder if the same is not detrimental to the interests of the account holder.
• In the event of the death of the Customer, the nominee holder can avail of the benefit subject to such nominee holder producing government-issued identity proof along with the death certificate of the program holder.
• In the event of the death of the customer where no nomination has been made, DP Jewelline may extend the benefits of the Program only to the legal heirs of the Customer, subject to such legal heirs submitting the required documentation and satisfying DP Jewelline of their heirship.
• The legal heir shall submit the following- Death Certificate of the deceased customer, Succession Certificate, NOC from other surviving legal heir(s), Indemnity undertaking to indemnify the company from claims, Will (if any), Any other documents as required as per the specific circumstances.
• The decision of DP Jewelline shall be final on the sufficiency of any document in all such cases and the same shall be binding upon the claimants. Any applicable statutory deduction will be applied by DP Jewelline against the price of the jewellery so appropriated. Campaigns/ promotion offers/ benefits/ discounts offered by DP Jewelline can be combined with/ availed at the time of purchase of jewellery under the Program.
• The stone rates charged during the redemption shall be as per the rate prevailing at the store on the date of purchase. All other charges such as making charges, other material charges, wastage charges, and taxes, will be levied as of the date of purchase in that store.
• The liability of the company or its franchisee(s) under THE ALWAYS EXTRA PLAN is limited to the extent of installments paid by the Customer(s) and the accrued discount amount, as per THE ALWAYS EXTRA PLAN and the Terms & Conditions contained herein.
• The Terms & Conditions listed herein do not in any way indicate any assurance or warranty whatsoever by the Company. Any Conditions that are not explicitly covered above would be at the discretion of the Company at the time of transaction/redemption subject to such Conditions not being detrimental to the interests of the Customer.
• The decision of the Company in this regard would be deemed irrevocable and final. Disputes if any, shall be resolved in the courts of Mumbai jurisdiction only. The Company is the operator of this Program and reserves the right to suspend or end the program at any time. In any such event, the Customer may purchase any item at the KUMARI Store equal to the value of the installments accumulated in his/ her program account along with purchase linked discount amount accumulated, as of that day.
• This clause shall also have effect if the program is left infructuous due to a change in any applicable law, rule, regulation, or norm. The Customer shall not have recourse to any damages, costs, or interest apart from the refund of accumulated advances and any proportionate discount voucher that the Customer has earned at the time of cessation of this Program.
• All jewellery purchased under this Program will be subject to labour/ making charges/ wastage, goods, and service tax, surcharges, gold/stone/ charges, and any other charges as may be applicable, subject to applicable discounts as stated herein.
• ▪ The Terms and Conditions hereinunder are in addition to the Company’s other terms and conditions that may apply to the transaction.
• The Company reserves the right to extend or not extend this Program to any prospective Customer at its sole discretion. In the event, that the Customer who has enrolled is not able to come for appropriation/purchase/collection, he/she can authorize his/ her representative to do so on his/her behalf, subject to receipt of the original authorization letter from the Customer, along with original order copy and production of the representative’s original photo identification proof.
• The appropriation/ purchase decision of said representative will be deemed to be that of the Customer. DP Jewelline shall bear no liability for the same and by authorizing said representative, the Customer shall indemnify DP Jewelline for all losses, costs, damages, penalties, expenses, and claims resulting from said appropriation/purchase/ collection by the representative. Please ask the retail store for the format of the authorization letter.
• By enrolling in the THE ALWAYS EXTRA PLAN, the Customer authorizes DP Jewelline to attempt to locate his whereabouts by contacting his nominee(s) to inform him/ her that he/ she may visit a KUMARI store to appropriate his/ her accumulated advances are ready for collection or that a cheque has been dispatched as per the Terms and Conditions herein.
• The validity period for Accumulated advance and discount voucher described in these terms and conditions shall end on the date falling 360 days from scheme enrollment, notwithstanding the date of voucher allotment.
• The lifetime exchange and buyback provisions shall apply to scheme purchases in the same manner as regular purchases.
• Bonuses granted are subject to reversal in case of product return, exchange, or buyback, as determined by the company.