Return, Replacement & Refund Policy

Swarnalok – Return, Replacement & Refund Policy

Operated by Finmet India Private Limited

Effective Date: August 2026

Swarnalok is a brand owned and operated by Finmet India Private Limited. This policy applies to all purchases made through www.swarnalok.in.

1. When Can You Request a Return?

Returns or replacements are accepted only in the following cases:

• The product is damaged during transit.
• The wrong product or SKU has been delivered.
• The product has a verified manufacturing defect.

Products must be returned in their original, unused and saleable condition, along with all original packaging, security seals, and invoices.

Change of mind, personal preference, or minor variations in appearance are not eligible for return or refund.

Customized or personalized products, promotional/clearance items marked as nonreturnable, and products that have been altered, used or handled by a third party cannot be returned.

2. How to Raise a Return Request

Please email info@swarnalok.in within 48 hours of delivery with:

• Your Order ID
• Reason for the return
• Photographs/Video of the product and packaging
• A continuous, unedited unboxing video showing the package, shipping label, security packaging and product immediately after opening.

The unboxing video is required particularly for claims relating to transit damage, wrong delivery or missing items and helps us investigate such claims fairly.

3. Return Approval

Every return request is reviewed by our Operations and Compliance Team.

Please do not send any product back without receiving written approval and return instructions from Swarnalok.

Products returned without prior approval may be refused or sent back to the customer at the customer’s expense.

4. Inspection & Verification

All approved returns are inspected after receipt against our dispatch.

If a product has been tampered with, substituted, altered or is found to be different from the product originally dispatched, the return may be rejected and further action may be taken in accordance with applicable law.

5. Replacement

Where a return is approved, Swarnalok may provide a replacement product, subject to availability.

If a suitable replacement is unavailable, an eligible refund will be processed in accordance with this policy.

6. Refunds

Approved refunds will be made only to the original payment source used for the order.

We do not provide:

• Cash refunds
• Refunds to third-party bank accounts
• Transferable cash equivalents or credits

Where required by applicable law or regulatory requirements, Swarnalok may request additional KYC or transaction-related information before processing a refund.

Refunds will generally be processed within 10-15 business days after the returned product has been received, inspected and approved. Actual crediting time may vary depending on the payment provider or bank.

7. Shipping Charges

Original shipping, insurance and handling charges are generally non-refundable.

Where the return is confirmed to be due to transit damage, incorrect dispatch or a manufacturing defect attributable to Swarnalok, Swarnalok will bear the applicable return shipping costs.

8. Contact Us

For return, replacement or refund requests:

Swarnalok
Operated by Finmet India Private Limited
Flat No. 5, SEEP CHS Ltd, Sherly Rajan Road, Off Carter Road, Bandra (West), Mumbai, Maharashtra – 400050, India

Email: info@swarnalok.in

Website: www.swarnalok.in

Swarnalok reserves the right to update this policy from time to time in accordance with applicable laws and regulatory requirements.