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Legal & Operating Framework

Terms & Conditions

Official operating terms, promotional customer loyalty guidelines, Coin Box & bullion rules, and statutory compliance policies for https://angellas.online.

1. Platform Overview & Commercial Identity

These Terms and Conditions ("Terms") govern your access to and use of https://angellas.online ("Website", "Platform"), operated by Angellas.

By accessing, browsing, enrolling in loyalty programs, or purchasing on this Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, please do not use the Platform.

Platform Services & Scope:

Angellas operates as an integrated jewellery retailer and digital bullion platform providing: (1) Finished silver jewellery, pooja silver articles, and fashion accessories; (2) BIS Hallmarked 24K Silver Coins, 999 Fine Silver Coins, and digital bullion vault accumulation via the Angellas Coin Box; and (3) Promotional customer loyalty rewards, Silver Vouchers, and Daily Member Rewards.

2. Promotional Customer Loyalty Programs, Daily Pass Tokens & Milestone Bonuses

Statutory Characterization & Legal Compliance:

All Silver Vouchers, instant rewards, festival reward campaigns, and voucher passbooks on Angellas are formulated strictly as a Promotional Customer Loyalty and Trade Incentive Scheme in full compliance with the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, and the Indian Contract Act, 1872.

  • Guaranteed Loyalty Benefit Status: The promotional reward program operates strictly as a customer loyalty and trade-incentive scheme. It is NOT any form of money circulation, prize scheme, or multi-level marketing programme, and participation is based purely on a retail purchase rather than chance. Every reward is a guaranteed loyalty and merchandise benefit.
  • 100% Value Guarantee & Merchandise Redemption: Every token issued or savings contribution made by a customer is 100% redeemable for genuine physical goods (BIS Hallmarked 24K/22K silver coins, fine silver jewellery, or store merchandise). No customer funds are ever forfeited, gambled, or lost. Customers who are not selected in any promotional milestone bonus announcement retain their full accumulated balance and may redeem it for certified jewellery or coins at any time.
  • Transparent Allocation: Daily reward allocations and Member Appreciation Gift selections use an automated, tamper-evident voucher system with auditable outcomes.
  • Eligibility Requirements: Participation in promotional loyalty programmes is open strictly to individual citizens and residents of India who are 18 years of age or older. Corporate entities, bots, and automated scripts are strictly prohibited.
  • State Law Exceptions ("Void Where Prohibited"): In states or union territories where trade promotional prize schemes or sales incentives are restricted or prohibited by local statutes (including, where applicable, the Tamil Nadu Prize Schemes (Prohibition) Act, 1979, and similar state-level enactments), the promotional bonus element is void. Participants in such jurisdictions automatically receive standard direct loyalty merchandise redemption points of equivalent commercial value.
  • Income Tax & TDS Compliance (Section 194B): In strict adherence to Section 194B of the Indian Income Tax Act, 1961, any promotional prize, silver coin reward, or milestone gift exceeding ₹10,000 INR in value is subject to deduction of tax at source (TDS) at the applicable statutory rate (currently 30% plus applicable surcharge and health/education cess). The recipient must furnish a valid Permanent Account Number (PAN) and pay the applicable tax prior to release or dispatch of the reward.
  • Top Bonus Verification & Claim Timeline: Top bonus recipients announced on our Milestone Board must claim their reward within 30 days of announcement and present valid government-issued photo identification (Aadhaar, PAN, Passport) matching their registered user profile.

3. Coin Box, Digital Bullion & Physical Coins

Angellas offers physical and vaulted 24K Silver Coins, 22K Silver Coins, and 999 Fine Silver Coins under the following binding terms:

  • BIS Hallmarking & Guaranteed Purity: All silver coins (24 Karat / 999.9 purity or 22 Karat / 916 purity) and silver coins (999 purity) are officially certified by Bureau of Indian Standards (BIS) recognized assay centers and carry laser-engraved Hallmark Unique Identification (HUID) and tamper-proof assay packaging.
  • 100% Insured Physical Bullion Backing:Every gram of digital silver or silver accumulated in customer passbooks or the Angellas Coin Box is backed gram-for-gram by allocated, institutional-grade physical bullion held in institutional, secure vaults (managed by accredited custodial partners such as Brink's / Sequel Logistics) with comprehensive theft and transit insurance.
  • Right to Physical Delivery & Collection Points: Customers hold absolute legal ownership of their vaulted metal and may request doorstep delivery or collection counter pickup at an authorized Angellas Delivery Point at any time, subject to standard minting/making charges and insured courier fees.
  • Live Transparent Pricing: Bullion purchase and sell-back rates are updated continuously based on live spot reference rates from the Multi Commodity Exchange (MCX) and India Bullion and Jewellers Association (IBJA), plus applicable 3% Goods and Services Tax (GST).
  • PMLA & Statutory KYC Thresholds: In compliance with the Prevention of Money Laundering Act (PMLA) and Rule 114B of the Income Tax Rules, submission of a verified PAN is mandatory for bullion transactions exceeding ₹2,00,000 INR. Identity verification is required prior to processing physical coin deliveries or bank wallet withdrawals.

4. Finished Retail Jewellery & Store Catalogue

  • Product Descriptions: Each jewellery piece is individually photographed and catalogued with its metal type, carat purity, gross weight, and making charge breakdown.
  • Affordable Retail Price Ceiling: Storefront jewellery items are curated for retail affordability and are strictly priced under our ₹10,000 INR retail ceiling. Any product that moves above this ceiling due to live commodity price increases is withdrawn from storefront checkout.
  • GST Invoicing: All finished jewellery purchases include itemized GST tax invoices generated automatically upon order confirmation.

5. Strict Return & Replacement Policy (Damage Only)

All Sales Are Final — Strict No-Return Policy:

Due to the customized hallmarked nature of our jewellery and certified bullion products, we follow a strict NO-RETURN and NO-EXCHANGE policy once an order is delivered in sound condition. We do not accept returns or refunds for change of mind, subjective preference, or minor cosmetic variations.

The Sole Exception — Transit Damage or Manufacturing Defect on Delivery:

Replacement or refund requests are accepted ONLY AND EXCLUSIVELY if:

  1. The parcel arrives physically damaged, broken, or tampered with in transit.
  2. The product has an obvious structural defect upon initial unboxing.
  3. An incorrect item was delivered in error.

Mandatory Claim Procedure:

  • Report the issue to support@angellas.online or WhatsApp/Phone at +91 7892094177 within 24 to 48 hours of recorded delivery.
  • Unboxing Video Mandatory: A continuous, uncut unboxing video showing the sealed parcel outer shipping label, followed by the opening and revelation of the damaged item, is strictly mandatory. Claims without an unboxing video cannot be approved.
  • Upon verification of genuine damage, Angellas will dispatch a free replacement or initiate a 100% refund to the original payment method within 5–7 business days.

6. Payments, Gateways & Official Invoicing

  • Authorized Gateway Processing: Online payments are processed exclusively through RBI-authorized, PCI-DSS compliant payment gateways (Razorpay, UPI, cards, net banking). We never store payment card credentials or net banking passwords.
  • Official Tax Invoices: Permanent, re-downloadable Tax Invoices and BIS Hallmarking Purchase Certificates are issued for every transaction and accessible anytime in your customer account under My Orders.
  • Order Verification: Angellas reserves the right to decline or cancel orders in cases of demonstrable gateway transmission errors, unauthorized chargebacks, or suspected fraudulent identity misuse.

7. Shipping, Doorstep Delivery & Collection Centers

  • Delivery Methods: Customers may choose between 100% Insured Home Delivery via express logistics (Blue Dart, Sequel) or Self Pick-up at an Authorized Angellas Delivery Point.
  • Transit Insurance: All shipments are fully insured against transit loss or theft until handed over to the verified recipient.
  • Collection Center Protocol: When collecting parcels from an Angellas Delivery Point, the recipient must present the Order Confirmation SMS/Email and a matching government photo ID.

8. Governing Law & Jurisdiction

These Terms, the promotional customer loyalty schemes, and all transactions conducted on the Platform shall be governed by, construed, and enforced in accordance with the laws of the Republic of India.

Any disputes, controversies, or claims arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the competent courts in Bangalore, Karnataka, India.

9. Contact Us & Legal Support

For legal inquiries, statutory clarifications, or grievance redressal regarding these Terms:

Brand / Platform: Angellas Online (https://angellas.online)

Email: support@angellas.online

Phone: +91 7892094177

Registered Operating City: Bangalore, Karnataka, India