Terms & conditions.

This site is run by Coins & Bars Retail Private Limited (“Coins & Bars”, “we”, “us”). We are the seller of every item on it. When you buy, your contract is with us.

Seller

Coins & Bars Retail Private Limited

Registered office

Shop No 2, 185 / 248, Royapettah High Rd, Mylapore, Chennai, Tamil Nadu 600004, India

GSTIN

33AANCC7956M1ZY

These terms are an electronic record under the Information Technology Act, 2000. They do not need a physical or digital signature. By using the site or placing an order, you accept them, together with our Privacy Notice, Shipping & Payment and Cancellation & Refund policies.

How we collect, use and protect your personal data is set out in our Privacy Notice, which forms part of these terms. If we see signs that an order or account is being misused, for example contact details that do not match, we may ask you for documents to confirm who you are. We use them only for that check and any record the law requires.

You must be at least 18 and able to enter a contract under Indian law to buy from us. We sell and deliver only within India.

You need an account to place an order. An account is for one person and cannot be shared or transferred. Give us true and current details, keep your password to yourself, and tell us if you think someone else has used your account. You are responsible for orders placed through it. We may suspend or close an account that gives false details or is used to break these terms.

A coin or bar from us is a purchase of goods. It is not an investment product, a deposit, a savings scheme or a digital-gold account. Precious-metal prices go down as well as up, and we make no forecast of where they will go and promise no return. If you are buying as an investment, take advice from a qualified adviser first.

Our relationship with you is that of seller and buyer. We are not your adviser, agent or trustee, and nothing on the site is a recommendation to buy or sell.

We sell physical gold and silver coins, bars and pendants, delivered to you. Each product page states the metal, the purity and the weight. Photos are for illustration; the coin you receive may differ slightly in finish or packaging from the picture.

We do not currently buy coins back. If that changes, it will be offered under its own published terms.

We make no hallmarking, assay or certification claim about our coins unless a product page states one specifically. Nothing else on the site should be read as making one.

Our prices follow the live market. A coin's price is built from the live buy rate our bullion rate provider publishes for its metal (a rate that already includes the provider's own margin), adjusted for the coin's purity and weight, plus our premium (which covers making, packing and our margin). The price shown is that total; once a GST rate is confirmed, it includes GST.

The GST in a price is shown separately before you pay and on your tax invoice: CGST and SGST for delivery in Tamil Nadu, IGST elsewhere. Delivery charges, if applicable, are shown at checkout. Transit insurance is included at no extra charge.

Because the market moves, a price in your bag is an estimate until you pay. When you press Pay, we lock the price for 5 minutes. If your payment completes within that time, you pay the locked price. If the lock runs out first, the quote is cancelled and we show you a fresh price at the current rate. You decide whether to accept it. We never charge you a different amount without asking.

If a bank confirms a payment shortly after the lock has run out, we still honour the locked price when the payment was started in time and confirmed within 2 minutes of expiry. Otherwise no order is placed and the payment is returned to you.

When the published rate is not live, trading and fresh, prices are shown for information only, labelled Stored, and we will not take an order at them.

Placing an order is an offer to buy. A contract is formed when we accept your order and your payment is confirmed. From then on the order is final: it cannot be cancelled or refunded. The order page in your account shows its status.

You may buy up to 10 of any one item, and up to ₹10,00,000 in total, in a single order. We may also limit quantities per account, card or address.

We may decline an order before your payment is confirmed if:

• a price or product detail was plainly wrong because of a technical or human error;
• the item is out of stock;
• we cannot deliver to your address;
• the PAN details we need are missing or do not pass our checks;
• we reasonably suspect fraud or misuse; or
• the law requires us to.

Indian tax law requires a buyer's PAN for purchases of goods above a set value. If your order total is more than ₹2,00,000, we will ask for your PAN and the name on it before you can pay. The threshold applies to each order.

We check that the PAN you enter is in the correct format. We do not currently verify it with the Income Tax Department, so you are responsible for giving your own, correct PAN. The name on the PAN should match the billing name. We may decline an order if the PAN details are missing or appear false, and we may ask for further identity documents where the law requires it.

Payments are processed by Razorpay, our payment provider. You can pay by UPI, debit or credit card or net banking. We do not offer cash on delivery, EMI or pay-later options. All prices and payments are in Indian rupees.

Your card, UPI and bank details go to Razorpay, not to us. We receive only a payment reference and whether the payment succeeded. If money leaves your account but the order is not confirmed, the amount is returned to you.

We will never ask for your OTP, UPI PIN, card PIN or password, by phone or otherwise. Do not share them with anyone.

We charge GST at the rate that applies and show it separately on your invoice once a GST rate is confirmed. Any other tax that falls on you as the buyer, for example on a later sale of the metal, is your responsibility.

• Once your payment is confirmed, the order cannot be cancelled, at any stage and for any reason.
• We do not refund an order, and we do not take back, replace or exchange an item, for any reason, including a change of mind.
• A payment that never became a confirmed order is not an order: it is returned automatically to its source.

The full policy is our Cancellation & Refund Policy.

We ship insured and in tamper-evident packaging, to addresses in India we can serve. Delivery charges, if applicable, are shown at checkout. Full details are in our Shipping & Payment policy.

Ownership of the coins passes to you on delivery to you or the person you named. Check the parcel before you accept it. Once delivered, safe storage of the coins is your responsibility.

You agree that we may send you notices about your account and orders electronically: on the site, by email, or by SMS or WhatsApp to the number on your account. Instructions given through your signed-in account are treated as coming from you.

You agree not to:

• use the site for anything unlawful or fraudulent;
• scrape it, run bots against it, probe or test its security, or try to get around its limits;
• use someone else's account, card or identity; or
• interfere with the site or with other customers.

If we reasonably suspect fraud, we may hold or cancel an order, suspend an account, ask for more information, and report the matter to the police or other authorities. If an order is cancelled for fraud, we return the amount we received to its source, minus any cost the fraud caused us where the law allows.

The Coins & Bars name and logo, and the text, images, designs and software on this site, belong to us or to those who licensed them to us. You may view and print pages for your own use. You may not copy, republish or sell them without our written permission.

We provide the site with care, but we cannot promise it will always be available or free of errors. We are not liable for loss that was not reasonably foreseeable, or for indirect loss such as lost profit or a missed market move.

For any order, our total liability is limited to the amount you paid for it. Nothing in these terms limits liability that cannot be limited by law, including your rights under the Consumer Protection Act, 2019.

The site links to pages run by others, such as our payment provider's checkout or a maker's registration page. We do not control them and are not responsible for their content or how they use your data.

If you break these terms or the law while using the site, and a third party makes a claim against us as a result, you agree to cover our reasonable losses and costs from that claim.

These terms are governed by the laws of India. Subject to your right to approach a consumer commission, the courts at Chennai have jurisdiction over any dispute arising from them.

If any part of these terms is found to be unenforceable, the rest still applies.

We are not responsible for delay or failure caused by events we cannot reasonably control. Examples are natural disasters, epidemics, war, riots, strikes, government orders, a market or exchange shutdown, or the failure of a bank, payment network, carrier or internet service. If such an event delays an order, we will tell you and deliver it as soon as we can.

We may update these terms. The date at the top of this page shows when they last changed. The version in force when you placed an order applies to that order.

You may not transfer your rights under these terms to anyone else. We may transfer ours to a business that takes over this site, and that will not reduce your rights.

You can stop using the site and close your account at any time from the delete my account page. We may suspend or close an account that breaks these terms. Orders already paid for are still fulfilled under these terms, and the sections on liability, indemnity and law continue to apply.

These terms, with the policies they name, are the whole agreement between you and us about using the site and buying from it. If we do not enforce a right straight away, we have not given it up. If these terms are ever translated, the English version applies.

If something has gone wrong, please tell us. Our Grievance Officer acknowledges complaints within 48 hours and resolves them within one month. The officer's details and the escalation routes are on our Grievance Redressal page.

Our registered office is shown above and on the Contact page, which will also carry our customer-care channels.