Terms & Conditions

Welcome to AJM DigiGold. By accessing or using our mobile application and services, you agree to comply with these Terms & Conditions. If you do not agree with any part of these Terms, please do not use the application.

1. Eligibility

• You must be legally eligible to enter into a binding agreement.
• You must provide accurate and complete information during registration.
• You are responsible for maintaining the confidentiality of your account credentials.

2. Gold Savings Service

AJM DigiGold enables customers to save money towards the purchase of gold. The application maintains records of your savings, transactions, and account activity.

• Gold prices are subject to market fluctuations.
• The displayed gold price may change at any time without prior notice.
• Your transaction history is available within the application.

3. Payments

• Payments are processed securely through third-party payment gateway providers.
• We do not store your debit card, credit card, or UPI credentials.
• You are responsible for ensuring sufficient funds before initiating a payment.

4. User Responsibilities

• Provide accurate information.
• Do not use the application for unlawful activities.
• Keep your login credentials secure.
• Notify us immediately if you suspect unauthorized access.

5. Pricing

• Gold prices displayed are based on current market rates.
• Prices may change without prior notice.
• The applicable price is the price shown at the time your transaction is confirmed.

6. Cancellations and Refunds

Refunds and cancellations are subject to our business policies and applicable law. If a payment fails but the amount is debited, the refund process will follow the payment gateway's policies and banking timelines.

7. Account Suspension

We reserve the right to suspend or terminate accounts involved in fraudulent, illegal, or unauthorized activities.

8. Intellectual Property

All content, logos, trademarks, graphics, software, and application features belong to AJM DigiGold unless otherwise stated.

9. Limitation of Liability

AJM DigiGold is not responsible for losses caused by network failures, payment gateway outages, force majeure events, device failures, or circumstances beyond our reasonable control.

10. Privacy

Your use of this application is also governed by our Privacy Policy available at https://aiswaryajewellersmart.com/privacy-policy .

11. Changes to Terms

We may update these Terms & Conditions at any time. Continued use of the application after changes become effective constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the competent courts in Tamil Nadu, India.