Fees and Payments Policy

Reliance Retail Limited, having its registered addressed at 3rd Floor, Court House, Lokmanya Tilak Marg, Dhobi Talao, Mumbai-400 002 ("Reliance", "we", "us" or "our") is managing and operating the mobile application/website www.reliancejewels.com (collectively referred to as the " Reliance Jewels Platform"), through which it inter alia facilitates the sale of gold, diamond, silver, idol, gold and silver coins, jewellery and other products ("Products") to the users of the Reliance Jewels Platform("User" or "Users" or "you" or "your")

WHAT IS THIS FEES AND PAYMENTS POLICY?

This Fees and Payments Policy ("FPP Policy"), together with the Terms of Use describes Reliance's accepted payment methods, and Reliance's policies and procedures in relation to acceptance of fees and payments towards the services offered through the Platform. Reliance's primary object is to ensure that the Platforms are user friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by User.

User(s) are required to peruse and understand the terms of this FPP Policy. If you do not agree to the terms contained in this FPP Policy, you are advised not to accept the Terms of Use and this FPP Policy and may forthwith leave and stop using the Platform. The terms contained in this FPP Policy shall be accepted without modification and also, by using, browsing, accessing, or purchasing from the Platform, you agree to be bound by the term contained herein.

FEES AND PAYMENT OPTIONS

1. Reliance does not levy any fee for browsing the Platform. Reliance may in future, consider levying fees on the User for using the Reliance Jewels Platform as a whole, or for use of certain features of the Platform. In such an event, you agree to pay any such fees, as applicable. Reliance does not covenant or guarantee providing you with a notice prior to enforcing such a levy of fees. Your continued usage of the Reliance Jewels Platform after such change in the fees will be considered to be your acceptance of such changes.
2. In order to ensure User convenience, Reliance offers multiple payment options to User. Reliance without prior notice to User, reserves the right to add or delete payment options from the ones listed below:
   1. payment through net banking facilities;
   2. payment through select credit cards;
   3. payment through select debit cards;
   4. payments through cash on delivery;
   5. payments through prepaid payment instruments and electronic wallets;
   6. Any other payment option as may be provided by Reliance from time to time.
   The payment options referred to above shall hereinafter collectively be referred to as "Payment Options". While reasonable endeavours are made to offer the Payment Options through varied banking channels. Presently, Reliance accepts payments only from major select banking avenues. Reliance does not accept payments made through international debit/credit cards.
3. It is expressly clarified that accepting a User's payment through the Payment Options is solely at Reliance's discretion. Reliance reserves the right to reject payment from a User through the Payment Options for any reason whatsoever. In order to further validate a User's transaction, Reliance may request the User to submit a copy of the User's photo identity proof (such as the User's PAN card), failing which, Reliance reserves the right to reject a User's payment made through the Payment Options.
4. While using the Payment Options, User agrees to provide correct, complete and accurate financial information such as credit/debit card details or prepaid payment instrument account details which may be stored by Reliance's third party payment gateway provider. User(s) shall not use a credit/debit card or prepaid instrument which is not lawfully owned by him/her or which the User has not been lawfully authorised to use. The User shall solely be responsible for the security and confidentiality of his/her financial information. Reliance disclaims all liabilities that may arise as a consequence of any unauthorised use of the User's financial information and/or identity, including, details relating the Payment Options.
5. Reliance shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to:
   1. lack of authorisation for any transaction, including such transactions carried out on gift cards and vouchers issued to User(s) as a part of Reliance's promotions.
   2. exceeding of the credit/debit limit mutually agreed between the User and the issuing bank.
   3. any payment issue arising out of technical glitches occurring during a transaction.
   4. declination of transaction for reasons beyond Reliance's control.
6. Reliance reserves the right to impose limits on the number of transactions a User may undertake over the Platform. Should the User exceed such transaction limits imposed by Reliance, Reliance reserves the right to refuse to process such transactions. Reliance may refuse to process transactions emanating from User(s) who have suspicious or questionable transaction history on the Platform. Should Reliance be dissatisfied with the credibility of a User or the genuineness of a transaction carried out on the Platform, Reliance shall have the right to reject such transactions. Reliance may also choose to delay the dispatch of Products purchased by such User or cancel the entire purchase at its sole discretion. The User agrees that Reliance shall not be liable for any damage, interests or claims resulting from Reliance's decision to not process a transaction or delay in the processing of a transaction on account of a User's suspicious activity on the Platform.
7. All the Products listed on the Reliance Jewels Platform are including all applicable taxes. You will be responsible for payment of all fees/costs/charges associated with the purchase of Products from us and you agree to bear any and all applicable taxes including but not limited to GST, duties and cesses etc. re
8. To enable User to make payments for purchasing Products on the Platform, in addition to this FPP Policy, the terms and conditions of the User's bank, applicable financial institution and/or card issuing association may be applicable. The User's bank, financial institution or card issuing association may decline or prevent the User from making electronic payments for buying the Products on the Reliance Jewels Platform and Reliance does not control the same and hence, shall not be at any point in time be held liable.
9. Reliance may, from time to time contract with third party payment service providers including banks, to open nodal bank accounts under applicable Indian laws. This will be done to facilitate the payments between User(s) and other third parties, apart from Reliance. These third parties may include other service providers including payment aggregators, prepaid instrument providers, courier and logistic service providers etc. Upon successful delivery of the products purchased by you through the Platform, Reliance shall initiate payments to third party service providers.
10. If it is brought to the User's notice that a charge has been created on his/her payment instrument(s) for purchase of Products on the Reliance Jewels Platform and the User is not aware of such purchase on the Platform, the User is first, required to verify if his/her family members, friends or business colleagues were authorised to carry out the purchase of Products on the Platform. If, despite this, the User continues to be unable to identify the charge created on his/her payment instrument(s) for purchase of Products on the Platform, the User may report such unauthorised purchase to us within 1 (One day) days from the date on which the unauthorised purchase was carried out on the Reliance Jewels Platform in order to enable Reliance initiate investigations.
11. If the User carries out a purchase on the Reliance Jewels Platform and the payment in lieu thereof has been invalidated, Reliance reserves the right to retrieve the invalidated payment ("Invalidated Payment") from the User. If the User fails to remit the Invalidated Payment into Reliance's bank account despite having received the notice, Reliance shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.
12. The ‘cash on delivery' payment option allows Users to make a cash-only payment to our delivery executive or logistic partner at the time of delivery of the purchased Products to the User. Presently, we offer a maximum order value of INR 10,000 (Indian Rupees Ten Thousand) under the cash on delivery payment option. Reliance reserves the right not to provide cash on delivery payment option for certain Products (these could be Products specified by Reliance or Products with value exceeding a specified amount) or locations. User(s) are required to peruse and accept the terms set out under the Return Refund and Cancellation Policy which sets out the terms of refunds for transactions carried out using the cash on delivery payment option.

CUSTOMER SUPPORT TEAM

Any queries or concerns relating to the Fees and Payment may be directed by you to our customer support team who can be contacted at:

Contact Details:
E-Mail- customerservice@ril.com
Telephone: 1800 891 0001, 1800 102 7382