Effective Date: 13th August 2025

Last Updated: 13th August 2025

This document is an electronic record under the Information Technology Act, 2000 and the rules made thereunder. It does not require any physical or digital signatures.

These Terms & Conditions (“Terms”) constitute a legal agreement between [Registered Company Name], a company incorporated under the laws of India, having its registered office at [Registered Office Address] (“GoldWalt,” “we,” “our,” or “us”) and you (“User,” “you,” or “your”).

By accessing or using our website, mobile application, or services (“Platform”), you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1. Definitions

  • “Digital Gold” – 24K pure gold purchased, held, and managed digitally, backed by equivalent physical gold stored in secure, insured vaults by our authorized custodian(s).

  • “SIP” – Systematic Investment Plan for recurring purchase of digital gold.

  • “Platform” – GoldWalt website, mobile application, and related services.

  • “KYC” – Know Your Customer process as mandated by Indian regulations.

  • “Custodian Partner” – Authorized entity responsible for vaulting and safekeeping of physical gold.

2. Eligibility

You must:

  1. Be at least 18 years old.

  2. Be an Indian citizen and resident.

  3. Have full legal capacity to enter into a binding contract.

  4. Complete the mandatory KYC process to buy, sell, gift, or hold digital gold.

We reserve the right to deny access or terminate your account if eligibility conditions are not met.

3. Acceptance of Terms and Amendments

  • By using GoldWalt, you accept these Terms.

  • We may modify these Terms at any time. Changes will be posted on the Platform, and continued use constitutes acceptance.

  • You are responsible for reviewing the Terms periodically.

4. Services Provided

GoldWalt offers:

  • Buy/Sell Digital Gold – in INR or grams, at live market rates.

  • SIP – daily, weekly, or monthly recurring investments.

  • Gold Gifting – sending gold digitally to other registered users.

  • Physical Delivery – optional delivery of gold coins or bars, subject to Shipping Policy.

5. Pricing & Payment

  • Prices are determined by live market rates and may change without prior notice.

  • Applicable taxes, fees, and charges will be displayed before purchase.

  • Payment methods include UPI, cards, net banking, wallets, UPI Autopay, or eNACH mandates.

  • All payments are processed via authorized payment gateways.

6. Orders, Delays, and Cancellations

We may reject or delay your transaction in cases including:

  1. KYC verification failure.

  2. Technical or network issues.

  3. Sudden gold price volatility.

  4. Regulatory or compliance restrictions.

Refunds for rejected transactions will be processed as per our Cancellation & Refund Policy.

7. SIP Terms

  • SIP payments will be auto-debited as per your selected frequency.

  • You may pause, skip, or cancel a SIP anytime for future installments.

  • Failed SIP debits will be retried within the grace period.

8. Storage and Transfer of Ownership

  • All digital gold is backed by equivalent physical gold stored with our Custodian Partner(s).

  • Ownership of the gold is transferred to you upon successful purchase.

  • Gold will remain in the vault until sold back to GoldWalt or physically delivered to you.

9. Gifting

  • Once a gift is sent, it cannot be canceled or reversed.

  • The recipient must complete KYC to redeem gifted gold.

10. Promotions & Offers

  • Promotional offers are subject to additional terms and may be modified or withdrawn without notice.

  • Offers cannot be combined unless expressly stated.

11. User Obligations

You agree to:

  • Provide accurate and updated information.

  • Keep your login credentials confidential.

  • Not engage in fraud, abuse, or unlawful activity.

We reserve the right to suspend or terminate your account for violations.

12. Third-Party Terms

Where services are provided through Custodian Partners, their terms and conditions (as amended from time to time) shall also apply. In case of a conflict, the Partner’s terms will prevail for those services.

13. Limitation of Liability

  • GoldWalt does not guarantee returns on gold investments; prices fluctuate with the market.

  • We are not liable for indirect, incidental, or consequential losses.

  • Our maximum liability is limited to the value of the disputed transaction.

14. Indemnification

You agree to indemnify and hold harmless GoldWalt, its directors, employees, and partners from claims, losses, or liabilities arising from your breach of these Terms or unlawful use of the Platform.

15. Governing Law and Dispute Resolution

  • These Terms are governed by the laws of India.

  • Any disputes shall be subject to the exclusive jurisdiction of the courts in [City, India].

  • Disputes may also be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996, with the venue in [City].

16. Contact Information

Registered Office: GOLD WALT INDIA (OPC) PRIVATE LIMITED
THE SILVERTREASURE PLOTNO, 22 100 FT ROAD UDR (MCL), Udaipur City, Girwa, Udaipur- 313001, Rajasthan

Email: support@goldwalt.com

Phone: +91-9587230288

© 2025 Gold Walt. All rights reserved

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