TERMS AND CONDITIONS

  Successful completion of 15 months payments, will entitle the member to purchase gold jewellry (No – Making Charges, Wastage).

  Get a Nokia mobile by referring 3 friends or family. You will get a phone after 1st installment paid by your friends or relatives.

  Customer has to pay 15 installment and Sumangali jewelers will pay 2 months installment i.e. (16th and 17 th installment). Customer can purchase jewel in 18th month only.

  Customer who are purchasing jewel in 15th month itself, those are not avail bonus benefit.

  In the case where the member would prefer to purchase diamond jewellery on successful completion of 15 months, member would be entitled to purchase for the value of gold accumulated in the chit. The rate on the date of redemption shall apply plus the member will be eligible for a discount of 7% on the per carat price of a diamond below 0.30 carats.

  The amount can be paid by cash, at par cheques, demand drafts or ECS mode. Member’s name and membership number should be clearly written in all modes of payment

  Membership card must be produced at the time of payment to enable the entry of the payment in the card.

  In case of dishonor of the cheque, the date of the realization will be considered for fixing gold rate.

  The gold rate as announced by Madras Jewellers & Diamond Merchants Association for selling of 22 kt (916) will be the rate applied for calculating the equivalent weight of gold.

  Cash will not be refunded under any circumstances.