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Payment Policy

Thank you for visiting www.ibjagold.com. Your visit and thereof purchase of the IBJA Gold products from this website is subject to this Payment, Delivery and Returns Terms and Conditions and our Privacy Polic

This website www.ibjagold.com is independently owned and operated by IBJA Gold Private Limited. IBJA GOLD PRIVATE LIMITED, a company incorporated under the Indian Companies Act of 1956 for exclusively selling IBJA Gold  brand products as authorized online retailer / distributor

By placing an order on this site you are entering into a purchase/sale transaction with IBJA Gold Private Limited, an authorized online retailer / distributor for selling IBJA Gold Products in India.Your invoice and associated narration on other related documents such as credit card or debit card statements will reflect IBJA Gold Private Limited as the merchant name. In case of third party statements including bank and credit card statements the merchant name may appear in an abbreviated format

To place an order you will need to complete the transaction on the website. This may or may not be assisted with a phone call with the customer service representative. By placing an order on the site or on phone, you are agreeing to the terms and conditions mentioned in the appropriate section of the website

After you have made your selection and added products to your shopping cart, you will need to proceed to the checkout section

In this section you will be asked for address and other contact information as well as will be asked to complete your payment related formalities with your selected bank.Once the payment transaction has been successfully completed, your order will be processed on receipt of the funds from the bank or Credit Card Company. It is at this stage that the sale is said to be complete. Thereafter your products will be shipped based on product availability to the address provided by you while placing the order.

SECURITY
Transactions on the website are protected by SSL (Secure Sockets Layer) and Secure Data Encryption using a 1024-bit process. Any information you enter when transacting with the web store is sent in a Secure Socket Layer (SSL) session and is encrypted to protect you against unintentional disclosure to third parties. This is an assurance that it follows the best security practices adopted by major online vendors where all payments are processed in real-time for your security and immediate peace of mind

Credit card and Debit card information is neither stored by us nor is taken by us at any time during the transaction. This information is taken directly from you by your selected banks payment gateway who is authorized and is compliant with the regulations and requirements of various banks and institutions and payment franchisees that it is associated with it. We undertake no liability of any mistake done by the payment gateway, misuse of your credit / debit card / bank details data, security breach whatsoever; in such an event please contact your respective bank

PAYMENT OPTIONS
Customer can make their Purchase Payment with Credit Card, Debit Card, or Online Fund Transfer Only

  1. Credit Card: Domestic and international credit cards issued by banks and institutions that are part of the Visa & MasterCard and American Express Network are accepte

  2. Debit Card: Visa, Maestro, Rupay Debit cards are accepted

  3. Online Fund Transfer: Net Banking / Direct Debit payments from select banks in India.

A full list is available at the time of Check Out and prior to making payments for purchases

As prescribed by the financial institutions issuing the credit or debit cards affiliated with Visa and MasterCard you will required to submit your 16-digit credit card number, card expiry date and 3-digit CVV number usually on the reverse of the card) on the banks payment gateway so chosen by you, when you make your online transaction using your Credit or Debit card. You should also have enrolled your Credit Card with VBV (Verified by Visa) or MSC (MasterCard Secure Code) to complete the transaction. For American Express Cards you will be required to give your 15 digit card number and 4 digit code that usually appears on the front of the car

FAQ’
(We suggest to take following questions/queries under the head FAQ-Frequently Asked Questions).

Is it safe to shop online using my Debit card or Credit Card?
All credit card, Debit Card and net banking transactions are processed over a secure encrypted connection. So no worries here

How can I pay if COD option is not available?
If COD option is not available you can always opt for Net Banking or Credit/Debit Card . In case you don't have a Net Banking or Debit Card option please contact your bank for Debit Card/Credit Card issue.

Are there any hidden charges?
There are absolutely no hidden charges. Any octroi or sales tax is actually borne by IBJA GOLD PRIVATE LIMITED. You pay only the amount that you see in your order summary.

What should I do if my payment fails?
In case of a payment failure, please retry ensuring:
Information passed on to payment gateway is accurate i.e. account details, billing address, password (for net banking) Your Internet connection is not disrupted in the process.
If your account has been debited after a payment failure, it is normally rolled back to your bank account within 7 business days. You can email us on ecommerce@ibjagold.com or please give us a call with your order number for any clarification

I see debit transactions in my Bank Statement from <IBJA GOLD PRIVATE LIMITED> but I have never shopped with <IBJA GOLD PRIVATE LIMITED>. What do I do?
If you see any charges on your credit/debit card for purchases made on IBJAGold.com, but you have never created an account or signed up, please check with your family members or business colleagues authorized to make purchases on your behalf. If you're still unable to recognize the charge, please report the unauthorized purchase within 60 days of the transaction so that we can look into it.

Why isn't COD available to me?
Currently we are not offering COD option.

DISCLAIMER
IBJA GOLD PRIVATE LIMITED shall not be responsible for any indirect, consequential loss or claims, damages that you may suffer due to the purchase of products from this Website. If any proven direct losses are suffered by you, IBJA GOLD PRIVATE LIMITED shall indemnify you, subject to the maximum limit of the amount paid by you for the purchase of the respective products from this Website

The sale and purchase of products on this Website i.e. the commercial transaction is amongst IBJA GOLD PRIVATE LIMITED and you i.e. the customer and IBJA Gold has no role in the said commercial transaction, whatsoever, therefore IBJA Gold shall not be liable for any kind of loss, claim, damages including any type of indirect loss, damages, claims, consequential losses, whatsoever to anyone including the customer

Further, IBJA Gold is only liable for its warranty obligations of the products as per terms and conditions of warranty mentioned on the website of IBJA Gold i.e. www.ibjagold.com, provided such products are imported and marketed by IBJA Gold

DISPUTE RESOLUTION AN GOVERNING LAW
In the event of any dispute, difference or claim arising out of these terms and conditions the same shall be settled in accordance with the Laws of India through regular judicial process and the courts of Mumbai, India shall have exclusive jurisdiction