Scope
This policy explains returns, replacements and refunds, subject to applicable consumer rights. Finmet India Private Limited. CIN: U72900MH2021PTC363825. GSTIN: 27AAECF6395G1ZB. Business address: Flat No. 5, SEEP CHS Ltd, Sherly Rajan Road, Off Carter Road, Bandra (West), Mumbai, Maharashtra 400050, India. Customer support: info@swarnalok.in.
Damaged, defective, incorrect or misdescribed goods
Contact info@swarnalok.in with the order reference and a description of the problem. Goods that are defective, incorrect, missing promised components or materially different from their description qualify for assessment and the remedies required by law. A promotional label or a personalised presentation does not remove those remedies. Unjustified late delivery is also assessed under applicable requirements; genuine force-majeure exceptions may apply.
Reporting and evidence
Please report visible transit problems as soon as possible, ideally within 48 hours, so the carrier can investigate. This is a request for prompt reporting, not a deadline that cancels statutory rights. Keep packaging, labels and the invoice where available. Photographs or an unboxing video can help, but the absence of a video alone is not a reason to reject an otherwise valid complaint. Evidence is assessed fairly against the nature of the problem.
Return instructions and inspection
Ask for written return instructions before sending the item. The team will explain collection or return arrangements and inspect the returned goods. Keep original components and packaging where reasonably possible. Requirements for unopened or saleable condition cannot defeat a valid claim about a defect discovered on opening. Suspected substitution or deliberate damage may be investigated using the available evidence.
Change of mind
The existing India policy does not offer a general change-of-mind return. Additional restrictions for genuinely customised items must be disclosed before purchase. These restrictions do not override mandatory remedies for defective or misdescribed goods.
Replacement, refund and costs
The team will confirm the appropriate replacement or refund and any return arrangements, without limiting a remedy required by law. Approved refunds go to the original payment route unless law or provider rules require another verified arrangement. The existing operational target is 10–15 business days after required return, inspection and approval; provider crediting times may differ. This target does not postpone any legally required refund. Where Swarnalok is responsible, the customer will not bear the necessary return costs. Any deduction from original delivery or other charges must be explained and lawful; there is no blanket exclusion of shipping refunds for a seller-attributable failure.
Complaints
Grievance officer: Rishi Srinivasan, Grievance Officer. Email: info@swarnalok.in. Complaints are acknowledged within 48 hours and addressed within one month of receipt.