Terms & Conditions

Swarnalok – Terms & Conditions

Operated by Finmet India Private Limited

CIN: U72900MH2021PTC363825

GSTIN: 27AAECF6395G1ZB

Effective Date: August 2026

Last Updated: August 2026

Welcome to www.swarnalok.in (“Website”), operated by Finmet India Private Limited (“Swarnalok”, “Company”, “we”, “our” or “us”).

By accessing, browsing or purchasing from this Website, you agree to these Terms & Conditions, our Privacy Policy and our Return, Replacement & Refund Policy.

1. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract under applicable Indian law to place an order through the Website.

2. Product Information

Swarnalok offers the Swarnalok Collectible Souvenir with Embedded Gold Elements, a premium presentation product.

Product specifications, packaging and other details are provided on the relevant product page.

Images shown on the Website are for representation purposes. Minor variations in colour, appearance, printing, packaging or finish may occur due to photography, lighting, display settings or manufacturing processes.

The product is a collectible souvenir and is not legal tender.

Swarnalok uses cutting-edge, proprietary manufacturing processes to create premium collectibles and commemorative keepsakes with enduring intrinsic value. Our flagship Swarnalok Collectible Souvenir with Embedded Gold Elements features precisely crafted micro-layers of gold securely encapsulated between layers of durable polymer, preserving its beauty and presentation for years to come.

3. Product Packaging & Documentation

Customers are advised to retain the original product packaging, documentation and purchase invoice, where provided.

These may be required for verification, returns, replacements or other customer-service requests.

4. Pricing & Taxes

All prices displayed on the Website are in Indian Rupees (INR) unless otherwise stated.

Applicable taxes are included or displayed as specified at the time of purchase.

Prices, product availability and promotional pricing may be changed from time to time.

In the event of an obvious pricing, technical or system error, Swarnalok reserves the right to cancel the affected order and provide an appropriate refund where payment has already been received.

5. Orders & Payment

Placing an order on the Website constitutes an offer to purchase the selected product.

An order is considered accepted once payment has been successfully received and the order has been confirmed by Swarnalok.

We reserve the right to cancel or decline an order in circumstances including:

• Product unavailability
• Pricing or technical errors
• Payment failure
• Suspected fraudulent activity
• Incomplete or incorrect customer information
• Regulatory or compliance requirements
• Any other legitimate operational reason

Payments are processed through authorised third-party payment service providers.

6. Customer Verification & Compliance

Swarnalok may carry out reasonable customer, payment or transaction verification where required for fraud prevention, regulatory compliance or applicable legal requirements.

Where necessary, customers may be requested to provide appropriate identification, tax, business or other supporting information.

If required information is not provided, Swarnalok may delay, decline or cancel the transaction.

7. Shipping & Delivery

Orders will be dispatched within the estimated timeframe communicated on the Website or at the time of purchase.

Delivery timelines are estimates and may be affected by courier delays, incorrect delivery information, weather conditions, natural events, government restrictions, strikes, technical disruptions or other circumstances beyond our reasonable control.

Customers are responsible for providing an accurate delivery address, telephone number and other information necessary for successful delivery.

8. Order Cancellation

Cancellation requests may be accepted only where the order has not already been processed or dispatched.

Once an order has been dispatched, cancellation may not be possible.

Where cancellation is approved, any eligible refund will be processed in accordance with our Return, Replacement & Refund Policy.

9. Returns, Replacements & Refunds

Returns, replacements and refunds are governed by our separate Return, Replacement & Refund Policy available on the Website.

Customers are advised to review that policy before placing an order.

10. Promotional Offers

Promotional offers, discounts and special campaigns may be subject to additional terms and conditions.

Unless specifically stated otherwise:

• Offers cannot be combined with other promotions.
• Offers cannot be exchanged for cash.
• Offers are subject to availability and validity.
• Swarnalok reserves the right to withdraw or modify an offer where permitted by applicable law

11. Intellectual Property

All content on the Website, including the Swarnalok name, logo, photographs, product images, graphics, text, videos, designs, illustrations and website content, is owned by or lawfully licensed to Swarnalok and/or Finmet India Private Limited.

No content may be copied, reproduced, modified, distributed or commercially used without prior written permission.

12. Acceptable Use

You agree not to:

• Use the Website for unlawful purposes.
• Provide false or misleading information.
• Attempt unauthorised access to Website systems.
• Introduce viruses, malware or harmful code.
• Engage in fraudulent transactions.
• Abuse promotional offers or customer-service processes.
• Interfere with the security or operation of the Website.

13. Fraud & Misuse

Swarnalok maintains appropriate measures to prevent fraudulent transactions, product substitution, payment abuse and misuse of its policies.

Where fraud, misrepresentation, tampering or other unlawful activity is reasonably suspected, Swarnalok reserves the right to investigate the matter and take appropriate action in accordance with applicable law.

14. Limitation of Liability

Swarnalok takes reasonable care to maintain accurate product information and reliable Website services.

However, to the extent permitted by applicable law, Swarnalok shall not be responsible for indirect, incidental or consequential losses arising from Website use, service interruptions, courier delays or circumstances beyond our reasonable control.

Nothing in these Terms excludes or limits any liability that cannot legally be excluded under applicable law.

15. Indemnification

You agree to indemnify and hold harmless Swarnalok, Finmet India Private Limited, its directors, employees and authorised representatives from claims, losses, liabilities or expenses arising from your unlawful use of the Website, fraud, violation of these Terms or misuse of our products or services.

16. Privacy

Personal information collected through the Website is handled in accordance with our Privacy Policy.

By using the Website, you acknowledge the collection and processing of information as described in that policy.

17. Website Availability

Swarnalok may temporarily suspend or restrict access to the Website for maintenance, security updates, technical issues or other operational requirements.

We do not guarantee that the Website will always be available, uninterrupted or completely error-free.

18. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising from these Terms or a transaction with Swarnalok shall be subject to the jurisdiction of the competent courts at Mumbai, Maharashtra, subject to applicable law.

19. Changes to These Terms

Swarnalok may update these Terms & Conditions from time to time. The latest version will be published on the Website along with the applicable effective or updated date.

Continued use of the Website after an updated version is published constitutes acceptance of the revised Terms, to the extent permitted by law.

20. Contact Us

For questions, complaints, order-related concerns or official correspondence:

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

Brand Ownership: Swarnalok is a brand owned and operated by Finmet India Private Limited. Trademark registration for the Swarnalok brand is currently under process.