Insider Membership Terms

THE NANDANI INSIDER MEMBERSHIP TERMS

Effective Date: 26/09/2026
Website: https://nandanijewellers.in

1. THE PROGRAMME

1.1. The Nandani Insider is an optional paid annual membership offered by Nandani Jewellers, trading as Nandani Jewellers.

1.2. It provides the pricing benefits stated in these terms during an active membership period.

1.3. It is not:
- A payment card.
- A stored-value wallet.
- A gold deposit.
- An investment product.

2. MEMBERSHIP PLANS

2.1. NANDANI GOLD

Annual Fee:
Rs. 3,000.

Gold-Jewellery Benefit:
Flat 10% making charges.

Natural-Diamond Jewellery Benefit:
10% discount on the applicable standard making charge.

Silver-Article Benefit:
No additional membership discount.

2.2. NANDANI PLATINUM

Annual Fee:
Rs. 5,000.

Gold-Jewellery Benefit:
Flat 7% making charges.

Natural-Diamond Jewellery Benefit:
30% discount on the applicable standard making charge.

Silver-Article Benefit:
10% discount on the article’s total price.

2.3. NANDANI DIAMOND

Annual Fee:
Rs. 10,000.

Gold-Jewellery Benefit:
Flat 6% making charges.

Natural-Diamond Jewellery Benefit:
50% discount on the applicable standard making charge.

Silver-Article Benefit:
20% discount on the article’s total price.

2.4. MEMBERSHIP-FEE TAX TREATMENT

The Membership Fee is Exclusive of GST.

The final payable membership amount will be displayed before purchase.

2.5. Gold, Platinum and Diamond are membership-tier names.

2.6. “Platinum” does not imply that Nandani sells platinum jewellery.

3. HOW PRICING BENEFITS WORK

3.1. The flat gold-jewellery percentages are making-charge rates, not discounts on the full jewellery price.

3.2. Diamond-jewellery benefits reduce the applicable standard making charge.

3.3. Where the standard diamond-jewellery making charge is 25%, the effective rates are:
- Gold Insider: 22.5%.
- Platinum Insider: 17.5%.
- Diamond Insider: 12.5%.

3.4. Where an item has a separately disclosed standard diamond making-charge rate, the relevant membership discount is applied to that disclosed rate.

3.5. Silver benefits apply to the full silver-article price, not only its making charge.

3.6. The silver discount and applicable tax calculation will be reflected on the invoice.

3.7. Silver articles are currently purchased in-store.

3.8. Nandani’s 0% wastage policy applies to both members and non-members.

4. ELIGIBILITY AND FAMILY USE

4.1. Membership is registered to one primary holder aged 18 or above.

4.2. Accurate full name and mobile number are mandatory.

4.3. Family members may make eligible purchases using the membership, provided:
- The purchase is authorised by the primary holder.
- The purchase is billed in the primary holder’s name.
- The original physical card is presented where required.

4.4. Family use does not transfer ownership of the membership.

4.5. Separate family-member registration is not required.

4.6. Membership may not be sold, assigned or transferred to another person.

5. ACTIVATION AND VALIDITY

5.1. Membership is valid for 365 days from the recorded activation date.

5.2. Activation occurs on: SUCCESSFUL PAYMENT AND REGISTRATION / PHYSICAL CARD ISSUE / OTHER AGREED TRIGGER.]

5.3. Activation and expiry dates are shown in the membership record.

5.4. The holder’s name and validity dates are not printed on the physical card.

5.5. Possession of a physical card does not extend an expired membership.

5.6. Any delay caused by Nandani that prevents the promised membership benefits from being used will be addressed appropriately.

6. PHYSICAL CARD AND VERIFICATION

6.1. The original physical card is required to claim membership benefits in-store.

6.2. A photograph, screenshot or copied QR code is not a substitute for the original card.

6.3. For an online purchase using membership pricing, the physical card must be available for the required in-store verification.

6.4. Customers purchasing a new membership online will receive instructions for card collection and activation.

6.5. A public verification page may display:
- Card tier.
- Card status.
- Membership validity.

6.6. Public verification will not disclose:
- The holder’s identity.
- Mobile number.
- Address.
- Purchase history.

7. LOST OR STOLEN CARDS

7.1. Report lost or stolen cards promptly.

7.2. Nandani may invalidate the old verification link and issue a replacement after verification.

7.3. Any replacement fee will be disclosed before the replacement is issued.

8. UPGRADES

8.1. An active member may upgrade by paying the difference between the applicable annual tier fees, together with any applicable tax adjustment.

8.2. At the stated annual fees, the differences are:
- Gold to Platinum: Rs. 2,000.
- Platinum to Diamond: Rs. 5,000.
- Gold to Diamond: Rs. 7,000.

8.3. Upgrade validity: A New Term starts under a separate pricing rule.

8.4. Mid-term downgrades are not available.

8.5. Upgrades do not retrospectively change the price of completed purchases.

9. RENEWAL

9.1. Renewal is manual.

9.2. Membership will not automatically renew or automatically charge a saved payment method.

9.3. Nandani will send a reminder approximately seven days before expiry using the registered contact details.

9.4. Customers should keep their contact details current.

9.5. Renewal prices and benefits will be disclosed before payment.

9.6. Early renewal: The Renewed Term Begins after the current term.

9.7. Renewal after expiry: The New Activation date and term start rule.

10. PROMOTIONS AND OVERLAPPING BENEFITS

10.1. Public promotions do not require membership unless the offer expressly says otherwise.

10.2. Membership and promotional discounts are not compounded unless specifically stated.

10.3. Overlapping-benefit rule: WHERE A PUBLIC PROMOTION AND AN ACTIVE MEMBERSHIP BOTH APPLY, NANDANI WILL USE THE LOWER ELIGIBLE MAKING-CHARGE RATE, WITHOUT STACKING THE TWO DISCOUNTS.

10.4. Under the proposed lower-rate rule:
- A Diamond Insider retains the 6% gold making charge during a public 7% campaign.
- Eligible diamond jewellery may receive a public 7% making-charge rate where that promotion applies.

10.5. Each temporary campaign will have its own dates, eligibility conditions and offer terms.

10.6. A temporary public offer does not become a permanent membership entitlement unless expressly stated.

11. MEMBERSHIP-FEE REFUNDS

11.1. Membership fees are not refundable merely because:
- The customer changes their mind.
- The customer does not make a purchase.
- The customer does not use all available benefits.

11.2. This restriction does not remove refunds or other remedies required for:
- Duplicate charges.
- Non-provision of the membership.
- Deficient service.
- Misrepresentation.
- Other applicable legal grounds.

11.3. Purchasing membership does not guarantee a particular monetary saving.

11.4. Actual savings depend on eligible purchases.

12. MISUSE AND RESTRICTIONS

12.1. Nandani may investigate suspected:
- Unauthorised use.
- Falsified or copied cards.
- Misrepresentation of membership ownership.
- Other material misuse.

12.2. Where access is restricted, the holder will be informed of the reason, where lawful, and given a reasonable opportunity to resolve the issue.

13. CHANGES TO THE PROGRAMME

13.1. Nandani may change future membership offerings.

13.2. Changes will not retrospectively remove benefits already purchased for an existing membership term.

13.3. Changes required by law will be communicated appropriately.

13.4. The terms and price applicable to a future renewal will be disclosed before payment.

14. MEMBERSHIP SUPPORT AND COMPLAINTS

Membership Support Email: query.nandani@gmail.com

Contact Number: +91 84317 87827

Legal Business Name: Nandani Jewellers

Business Address: 383, 4&5, 4th Main Rd, Kempamma Layout, Shantiniketan Layout, Hulimavu, Bengaluru, Karnataka 560076

Grievance Officer: Khimresh Parihar - Owner.

Grievance Email: salesatnandanijewellers@gmail.com

Grievance Phone: +91 84317 87827

14.1. Nothing in these terms excludes statutory consumer rights or remedies available under applicable law.