Effective Date: 22-02-2026
These Terms and Conditions (“Terms”) govern your access to and use of the ExGold website and mobile application (collectively referred to as the “Platform”). By accessing or using the Platform, you agree to be bound by these Terms.
If you do not agree, please do not use the Platform.
1. Business Information
Business Name: ExGold (Insert Registered Legal Name as per Bank Account)
Registered Address: [Full Address, City, State, PIN, India]
Email: support@exgold.in
Mobile: +91-9361233383
2. Eligibility
- You must be at least 18 years of age to use this Platform.
- By using ExGold, you confirm that you are legally capable of entering into a binding contract under Indian law.
3. Nature of Services
ExGold provides:
- Jewellery product listings
- Digital gold purchase and sale (if applicable)
- Gold savings / SIP plans (if applicable)
- Retail gold store information
Gold prices are market-driven and subject to fluctuations.
ExGold does not provide financial or investment advice.
4. Account Registration
Users may be required to register an account by providing accurate personal information.
You are responsible for:
- Maintaining confidentiality of login credentials
- All activities under your account
We reserve the right to suspend accounts in case of suspicious or fraudulent activity.
5. Pricing & Payment
- All prices are displayed in INR.
- Prices for gold products are based on live market rates and may change without prior notice.
- Payments must be made through authorized payment gateways available on the Platform.
- We do not store debit/credit card details or UPI credentials.
ExGold is not responsible for delays or failures caused by third-party payment processors.
6. Order Confirmation
An order is confirmed only after:
- Successful payment, and
- Confirmation notification via email/SMS/in-app message.
We reserve the right to cancel or refuse any order due to:
- Pricing or technical errors
- Regulatory requirements
- Suspected fraud
- Compliance verification failure
Refunds, if applicable, will be processed to the original payment method.
7. Cancellation & Refund Policy
A. Jewellery Products
- Orders may be cancelled before dispatch.
- Refunds will be processed within 5–7 working days after approval.
- Shipping charges, if applicable, may be non-refundable.
B. Digital Gold (If Applicable)
- Digital gold purchases cannot be cancelled once completed.
- Users may sell gold at the prevailing market rate.
- Settlement timelines depend on partner processing terms.
Refund timelines may vary depending on banking systems.
8. Risk Disclosure (Digital Gold)
- Gold prices fluctuate based on market conditions.
- Digital gold is not regulated by RBI or SEBI.
- Returns are not guaranteed.
- Users transact at their own discretion and risk.
9. User Conduct
Users agree not to:
- Engage in fraudulent transactions
- Attempt unauthorized access to servers or systems
- Introduce viruses or malicious software
- Misuse payment systems
Violation may result in account suspension and legal action.
10. Intellectual Property
All content on the Platform including logos, designs, text, graphics, and software are the intellectual property of ExGold and protected under applicable laws.
Unauthorized use is strictly prohibited.
11. Limitation of Liability
ExGold shall not be liable for:
- Market losses due to gold price fluctuations
- Indirect or consequential damages
- Technical issues beyond reasonable control
Our maximum liability shall not exceed the value of the transaction in dispute.
12. Indemnification
You agree to indemnify and hold ExGold harmless from claims arising out of:
- Breach of these Terms
- Fraudulent activities
- Misuse of the Platform
13. Compliance & KYC
For certain transactions, users may be required to complete KYC verification as per applicable Indian laws.
Failure to provide required documentation may result in transaction cancellation.
14. Grievance Redressal
In accordance with applicable laws:
Grievance Officer Name: Exgold
Email: support@exgold.in
Contact Number: +91-9361233383
Response Time: Within 48 working hours
15. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City, State, India].
16. Modification of Terms
We reserve the right to update or modify these Terms at any time. Continued use of the Platform after updates constitutes acceptance of the revised Terms.