Terms and Conditions - Aghni Gold

To conduct any precious metal transaction with Aghni Gold (selling gold ornaments, silver, diamonds, or releasing pledged gold), the customer must fulfill the following mandatory eligibility criteria:

• Lawful Ownership: The seller must be the absolute, legal, and sole rightful owner of the precious metal items presented for sale or exchange.
• Age Requirement: The customer must be at least 21 years of age.
• Younger Sellers (Under 21): Individuals aged 21 or below must be accompanied by a parent or legal guardian who must furnish a written letter of consent along with original government photo identification.
• Valid KYC Proofs: The customer must present original government-issued identity and address documents (Aadhaar Card, PAN Card, Voter ID, or Passport).

Aghni Gold unconditionally reserves the right to decline evaluation or transaction services to any individual failing to produce verifiable ownership proof or satisfactory identity documentation.

Prior to testing and payment disbursement, every customer must sign an official Customer Transaction Form declaring under penalty of law that:

• The ornaments or valuables are their personal bona fide property, inherited legitimately, purchased with personal funds, or received as legal gifts.
• The items are not subject to any legal disputes, court attachments, police inquiries, or undisclosed third-party pawn pledges.
• All information, identification photocopies, contact details, and bank account credentials provided to Aghni Gold are true, accurate, and up to date.
• You accept complete legal, civil, and criminal liability for any fraudulent misrepresentation or false information submitted.

Aghni Gold prides itself on setting the industry standard for scientific, transparent, and non-destructive precious metal valuation in Chennai:

• Advanced Purity Testing: All gold, silver, and diamond items are tested in your direct presence using certified German XRF (X-Ray Fluorescence) spectroscopic analyzers and ultra-accurate digital scales.
• Live Chennai Bullion Rates: Purchase rates are determined strictly based on prevailing live market gold rates per gram at the precise time of the transaction.
• Stone Weight Deductions: Valuation is calculated strictly on the net weight of precious metal. Non-precious stones, wax, enamel, or heavy dirt are accurately assessed and deducted from the gross weight in full view of the customer.
• Mutual Offer Consent: A detailed computerized valuation breakdown is presented to you before concluding the sale. Transactions proceed only upon your voluntary acceptance of the final offer.
• Finality of Acceptance: Once the customer approves the valuation and accepts payment, the purchase contract becomes final and legally binding.

Aghni Gold provides immediate, secure, and fully receipted payment disbursements upon final agreement:

• Bank Transfers (Preferred): Instant fund transfer via IMPS, RTGS, or NEFT directly to the verified bank account of the registered seller.
• UPI Transfers: Real-time instant payment via authorized Unified Payments Interface (UPI) to the seller's verified UPI handle.
• Cash Payment: Cash disbursement is available subject to statutory limits governed by Section 269ST of the Indian Income Tax Act (up to ₹10,000 or legally allowable thresholds). Payments exceeding statutory cash limits must be processed electronically via banking channels.
• Official Invoicing: Every transaction is accompanied by a digitally generated, stamped, and signed Aghni Gold tax invoice detailing item weight, purity, live rate, and total payout.

For maximum customer convenience, Aghni Gold offers free doorstep gold valuation across Chennai subject to the following safety protocols:

• Appointment Confirmation: Doorstep evaluations require prior booking and telephonic / OTP verification.
• Secure Location: The customer must provide a safe, private, and well-lit residential address with power access for portable digital weighing and testing instruments.
• Verified Presence: The registered owner must be personally present during the home valuation with original government identity cards.
• Representative Safety: Aghni Gold reserves the right to reschedule, relocate, or cancel doorstep visits in the event of unsafe environments or suspicious circumstances.

Aghni Gold assists customers in releasing gold pledged with nationalized banks, cooperative banks, NBFCs, and certified financial institutions:

• Facilitator Role: Aghni Gold acts strictly as a financial facilitator to assist you in settling the outstanding loan balance with the lending institution.
• Direct Settlement: Our team coordinates directly with the bank/NBFC counter in your physical presence to clear the loan dues and retrieve the gold packet.
• Differential Payout: After release and certified purity testing, the total valuation of the gold minus the loan settlement amount cleared by Aghni Gold is instantly paid to you.
• Third-Party Institution Terms: Aghni Gold is not responsible for administrative delays, interest calculation discrepancies, or institutional disputes caused by the lending bank or NBFC.

To comply with Reserve Bank of India (RBI) anti-money laundering norms and Indian tax legislation, customers must furnish:

• Photo Identity Proof: Government-issued Aadhaar Card, PAN Card, Passport, or Voter ID.
• Address Proof: Current residential address verification matching official documents or utility bills.
• PAN Card Requirement: Mandatory for all transactions exceeding statutory limits set by the Income Tax Department of India.
• Purchase Invoices: Original jewellery purchase receipts, inheritance letters, or bank pledge receipts where available.

Aghni Gold retains verified photocopies of KYC records and transaction CCTV footage in accordance with our Privacy Policy and statutory audit laws.

Aghni Gold reserves the absolute, unilateral right to decline, pause, or terminate any valuation or purchase transaction under circumstances including, but not limited to:

• Failure to produce valid, verifiable government identity or ownership documentation.
• Suspicion that the precious metal is stolen, looted, spurious (fake), counterfeit, or illegally obtained.
• Discrepancies in ownership declarations or inconsistent customer statements during evaluation.
• Intimidation, abusive conduct, or violation of branch safety protocols.

While Aghni Gold takes every measure to deliver accurate valuations and transparent dealings, our liability is subject to the following statutory limitations:

• Market Fluctuations: Bullion prices fluctuate continuously. Aghni Gold is not liable for market rate movements occurring before or after a transaction has been mutually finalized.
• Pre-Existing Imperfections: We are not liable for pre-existing manufacturing defects, hidden solder impurities, hollow wax fillings, or stone weight discrepancies uncovered during scientific testing.
• Indirect Losses: Under no circumstances shall Aghni Gold be liable for any indirect, consequential, or punitive damages arising out of customer transactions.

All content published on aghnigold.com — including brand trademarks, logos, texts, valuation guides, blog articles, and graphic assets — is the exclusive intellectual property of Aghni Gold:

• Unauthorized duplication, scraping, or commercial reproduction of website content without prior written permission is strictly prohibited.
• Informational blogs and FAQ guides provided on this website are for general awareness and do not constitute formal legal, taxation, or investment advisory.

Aghni Gold reserves the right to revise, update, or modify these Terms and Conditions periodically to align with evolving statutory regulations, precious metal market standards, and legal compliance mandates. The updated version will be published on this webpage with the revised effective date.

Continued use of our website or branch services following updates constitutes your acceptance of the amended terms.

These Terms and Conditions, customer declarations, and all transactions conducted with Aghni Gold shall be governed by and construed in accordance with the substantive laws of the Republic of India.

Any legal disputes, claims, or proceedings arising out of or in connection with our services, valuations, or website shall be subject to the exclusive jurisdiction of the competent courts in Chennai, Tamil Nadu, India.

If you require clarification on our Terms and Conditions, need valuation assistance, or wish to schedule an appointment: