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Terms & Conditions

This website is owned and operated by JOSCO BULLION TRADERS PVT LTD, which is a registered company incorporated under the Companies Act 1956. The registered and Corporate Office is at Central Junction, 894 and 895, K. K. Road, Kottayam – 686 001. Please read these terms of use carefully before using this website.

If you do not agree to these terms of use, you may not use this website. By using this website you signify your explicit assent to this Terms of Use as well as the website’s privacy policy (which is here by incorporated by reference herein).


These Terms of Use sets out the legally binding terms of services available on the Website aswell as at the terms of use of this Website. These Terms of Use along with the Privacy Policy extends to both users, who visit the Website but do not enter transaction business on the Website (“Users/Guests”) as well as users who are registered with by the Website to transaction business on the Website (“Members”).The terms of use shall be legally binding terms of services available on the websites as well as at the terms of use of this websites. You are responsible for regularly reviewing these terms of use so that you will be apprised of changes if any. The Company reserves the right to modify or terminate any portion of the Website or the Services offered by the Company for any reason, without notice and without liability to you or any third party. The terms of use shall not be construed to confer any right to third party beneficiaries.


This website provides access to trading, pricing, news and other information services related to our company namely Josco Bullion Traders Pvt. Ltd. However certain services available of this websites are for the use of the members only.Also note that some of the terms under these terms of use differ for purchases for personal consumption and investment purposes.


If you are below 18 years of age, you are prohibited to use/purchase/contract from or with this website. Persons who are incompetent to contract within the meaning of the Indian Contract Act, 1872 are not eligible to use this website.


Those who choose to access this website from outside India are responsible for compliance with local laws and if to the extent local laws are applicable. In case if any Indian states prohibit direct sale of merchandise from other states and require special documentation to effect such a sale without dual taxation, if we receive an order from such states or to be delivered to such states under such circumstances we retain the right to accept or reject the order.


We offer services for members who wish to purchase jewellery / ornaments for personal consumption, inclusive, customized and readymade jewellery / ornaments. The size given in the website may differ and may slightly larger or smaller than the actual size due to defaults and photography techniques .The Company will not be responsible in any manner due to the difference of the size in the photographs shown.





Users may register on the websites to become members before completion of any transaction on the websites. The user will have to provide personal information (as defined in the privacy policy) , in order to register on to the websites, including and not limited to name, E-mail, contact number, contact address which will be used for verification purposes.


Only after the payment has been received by us, the orders placed are considered complete.The shipping of any products will be strictly within India only and under no circumstances shipping will be provided for abroad. Shipping of the order from Josco Jewellers is very safe, secure and hassle free. All our products are insured during the in-transit by insurance company. Every package of product (Jewellery/Gold Coin) purchased from Josco Jewellers will reach to your doorstep in a durable condition and in a tamper-proof packing. Our courier partners are BVC Logistics Pvt. Ltd. We will dispatch through any of these courier partners depending upon their serviceability in the shipping address.Valid Government of India approved ID needs to be produced for accepting the product. The delivery of the orders cannot be done at any public places like Mall, Hotel, Restaurant, Hostel, on street etc. The terms of delivery will be ensured and effected by the terms of the delivery partner. In case of international credit cards being used for domestic orders, the transaction amount will be converted to INR before the payment is accepted. Currency conversion charges may apply according to your credit card policy. If you have made the payment by International card or foreign bank issued card then you will be required to send us any government issued photo Identity proof of the country ofresidence


The Payment gateway used shall be ‘Razorpay’ only. There shall not be refund of money under any circumstances. However, the product may be replaced in deserving cases within seven days on our sole discretion. Buyback/Purchase of used ornaments will be subject to the production of the original invoice and the rate will be fixed according to the discretion of Josco jewellers based on the purity and net weight(after removing the stones, enamels, dust etc) of ornaments. The buyback policy is subject to the approval of our Quality check team. Josco Jewellers reserves the right to calculate the buyback amount of the product depending on the final evaluation by our quality check team. No products shall be sold on credit basis and there shall not be any option for ‘Pay Later’ or “Cash on delivery’. However, Customers will have the online facility to choose and remit 10-month recurring advance schemes for gold purchase. The Josco authentic products are eligible for free lifetime service from any authorized outlet in India.


The Products are manufactured, packed and dispatched from a centralized location in Kerala. Products will have different certifications regarding purity and quality. Delivery charges will be levied on selected items and selected volume. 3D photo trial facility will be enabled through using augmented reality technology. Loyalty points, rewards, coupons and offers facilities will be subject to company policy only as amended from time to time. In the event of the bank rejects payment transaction made by a Member We shall have the right to cancel the order/shipment. Express Delivery option available for select pin codes for select cities




  • You have to provide true, accurate, current and complete information about yourself while registration.

  • You should maintain and promptly update registration data to keep it true, accurate, current and complete. If you provide any information that is false, inaccurate, incomplete or not current or if Josco has reasonable grounds to suspect that such information is false, inaccurate, incomplete, not current or not in accordance with this user agreement, we have the right to indefinitely suspend or terminate your membership and refuse to provide you with access to our website.

  • You will provide authentic and true information in all instances where such information is requested of you. Josco reserves the right to confirm and validate the information and other details provided by you at any point of time. Further, Josco also reserves the right to ask for additional information for accepting orders or before making delivery in certain cases. If upon confirmation, your details are found to be false (partially or completely), Josco has the right in its sole discretion to reject the registration and debar you from using the services and other affiliated websites without prior intimation whatsoever.

  • You confirm that the address at which delivery of the product(s),ordered by you is to be

made, is correct and proper in all aspects.

  • Before placing an order you shall check the product description carefully. By placing an order for a product, you agree to be bound by the conditions of sale and invitation to offer included in the item's description

  • If there is any delay in the delivery caused due to any natural calamity, public holiday or anyother unforeseen circumstance, then you shall not hold Josco liable for such delay in the delivery of the product




Josco reserves the right, at its sole discretion, to limit the quantity/value of the items purchased by you and such other restrictions as may be applicable to orders placed by the same account, the same credit/debit card and also to orders that use the same billing and/ or shipping address. We will provide notification to the customer should such limits be applied. Josco reserves the right at its sole discretion to prohibit sales to anyone as it may deem fit.


You are prohibited from violating or attempting to violate the security of this website, including, without limitation:


  • Accessing data not intended for you or logging onto a server or an account which you are not authorized to access.

  • Attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization.

  • Attempting to interfere with service to any other user, host or network, including without limitation via means of submitting a virus to the site, overloading, flooding, spamming, mail-bombing or crashing.

  • Sending unsolicited mail, including promotions and or advertising of products or services

  • Forging any TCP / IP packet header or any part of the header information in any email or newsgroup, posting violations of system or network security may result in civil or criminalliability.

  • You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this site or any activity being conducted on this site.





In case of any discrepancy, we have the right to cancel any of the orders. A few reasons for cancellation from our end usually include limitation of the product in the inventory, error in pricing, error in product information etc. We also have the right to check out for extra information of the customer for the purpose of accepting orders in a few cases. We make sure to notify you if in case your order is cancelled partially or completely or if in case any extra data is required for the purpose of accepting your order. Once you place the order, it can be cancelled from your end before the product is dispatched. On receiving the cancellation request for ready for shipping product, we make sure to refund the amount through the same mode of payment within 10 working days. In case of cancellation, pre-dispatch cancellation fees of  % will be levied and balance % will be refunded back to the account. If in case the amount is deducted from customers account and the transaction has failed, the same will be refunded back to your account within 72 hours.




  • Advance purchase plan is for a period of 10 months

  • An advance amount, which is not fixed, has to be paid every month. This will be converted to gold and credited to the customer's account. according to the prevailing gold price of 22K gold on the date of payment in the state of Kerala

  • Payments are to be made on or before 10th of every month

  • Gold coins/bars cannot be purchased through this plan

  • The average of the price of gold in relation to the amount paid in ten installments is used to calculate the making charges of the gold jewellery purchased

  • All Govt.taxes and other standard levies will be chargeable for the gold jewellery purchased under the plan

  • As per this plan, gold jewellery must be purchased from Josco Jewellers within 1 month of the completion of the plan. If the purchase is not made within the stipulated time, the customer will not be eligible for the special discount. In such cases the paid amount will be returned to the customers via account payee cheque without any additional interest

  • The maximum amount accepted as cash in this plan is limited to Rs. 2 lakh. Amounts above that will be accepted only as bank cheque/draft/bank transfer.

  • Only those who have completed 18 years of age are entitled to join the plan




You are 18 years of age or older and that your use of the Website and/or Services shall not violate any applicable law or regulation. All information given by you in this site is truthful and accurate and that you agree to maintain the accuracy of such information. Your membership is solely for your personal and non-commercial use. Any use of this Website or its content other than for personal purposes is prohibited. You agree not to access or use this Website in any manner that may be harmful to the operation of this Website or its content. You will not use any product or service available on the Website and / Services for commercial purposes of any kind, or advertiseor sell any products, services, or otherwise (whether or not for profit), or solicit others (including, without limitation, solicitations for contributions or donations) or use any public forum for commercial purposes of any kind, or use the Website and/or Services in any unlawful way there by harm Josco Bullion Traders Pvt. Ltd., or any other person or entity.


You will not post, submit, upload, distribute, or otherwise transmit or make available any software or other computer files that contain a virus or other harmfulcomponent,orotherwise impair or damage the Website and/or Services or any connected network, or otherwise interfere with any person or entity’s use or enjoyment of the Website and/orServices.


You will not engage in any form of antisocial, disrupting, or destructive acts, including “flaming,” “spamming,” “flooding,” “trolling,” “phishing” and “griefing” as those terms are commonly understood and used on the Internet.


You will not delete or modify any content of the Website and/or Services, including but not limited to, legal notices, disclaimers, or proprietary notices such as copyright or trademark symbols, logos, that you do not own or have express permission to modify.


We have absolutely no responsibility whatsoever,if other users will be complying with the these rules or any other provisions of this Terms of Use, and, as between you and us, you here by assume all risk of harm or injury resulting from any such lack of compliance.


All information, content, and material contained in the Website and/or Services are copyrighted property belonging to All trademarks, service marks, trade names, and trade dress are proprietary to No material, content or any information, from the Website and/or Services may be, uploaded, reproduced, republished, posted, copied, transmitted or distributed in any manner without our express written permission. In case of breach, you shall be liable for prosecution and further damages and compensation.


You acknowledge that when you access a link that leaves the Website, the site you will enter into is not controlled by and different terms of use and privacy policy may apply.By accessing links to other sites, you acknowledge that is not responsible for those sites. We reserve the right to disable links from third-party sites to the Website.




The information, content, and materials on this website and/or services are provided on an “as is” and “as available” basis. and all its affiliates, officers, employees, agents, partners, and licensors disclaim all warranties of any kind, either express or implied, including but not limited to, implied warranties on merchantability, fitness for a particular purpose, and non-infringement.


We do not warrant that the functions contained in the content, information, and materials on the website and/or services, including, without limitation, any third party sites or services linked to the website and/or services will be uninterrupted, error-free, timely, or that the defects will be rectified, or that the website or the servers that make such content, information and materials available are free of viruses or other harmful components.


Any material downloaded or otherwise obtained through the website and/or services areaccessed at your own risk, and you will be solely responsible for any damage or loss of data that results from such download to your computer system.



You hereby indemnify, defend, and hold that Our distributors, agents, representatives, and other authorized users, and each of the foregoing entities’ respective resellers, distributors,service providers, and suppliers, and all of the foregoing entities’ respective officers, directors,owners, employees, agents, representatives, harmless from and against any losses,  damages, liabilities, and costs arising from your use of the website.


You expressly understand that under no circumstances, including, but not limited to, negligence, shall the Company be liable to you or any other person or entity for any direct, indirect, incidental, special, or consequential damages, including, but not limited to damages for loss of profits, goodwill, use, data or other intangible losses, resulting from circumstances, including but not limited to:(i) the use or the inability to use the website and/or services; or

(ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the website and/or services; or (iii) unauthorized access to or alteration of your transmissions or data;(iv) statements or conduct of any third party on the website and/or services; or (v) any other matter relating to the website and/or services.


FORCE MAJEURE or any of the foregoing entities’ respective resellers, service providers, distributors, and suppliers be relieved of all its responsibilities, if any, in the event of failure of performance resulting directly or indirectly from any act of force majeure or causes beyond the company’s reasonable control including, without limitation, acts of God,war, equipment, and technical failures, electrical power failures or fluctuations, strikes, labour disputes, riots, civil disturbances, shortages of labor or materials, natural disasters, orders of domestic or foreign courts or tribunals, non-performance of third parties, or any reasons beyond the reasonable control of the company or any of the foregoing entities’ respective resellers, distributors, service providers and suppliers. You further acknowledge and agree that neither the Company nor any of the foregoing entities ‘respective resellers, distributors, service providers and suppliers are responsible for (a)any incompatibility between the website and/or services and any other website, service, software or hardware or (b) any delays or failures you may experience with any transmissions or transactions relating to the website in an accurate or timely manner. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or may not apply to you.




Each paragraph, clause, sub-clause, and provision of this terms of use shall be severable from each other and if for any reason any paragraph, clause, sub-clause or provision is invalid or unenforceable, such invalidity or enforceability shall not prejudice or in any way affect the validity or enforce ability of any other paragraph, clause, sub-clause or provision, which shall be read and construed to give thereto ,the full effect thereof, subject only to any contrary provision of the law to the effect that where this provision of this terms of use or any paragraph, clause, sub-clause or provision here of would be but for the provisions of this paragraph read and construed as being void or ineffective it shall nevertheless be valid terms of use, paragraph, clause, sub-clause or provision, as the case may be, to the full extent towhich it is not contrary to any provision of the law. Those who access the website and/orservices do so, on their own initiative and are responsible for compliance with all applicable laws including, but not limited to, any applicable local laws. These terms of use are governed by the laws of India. Any action, suit, or other legal proceedings, which is commenced to resolve any matter arising under or relating to this letter, shall be subject to the jurisdiction of the courts at Ernakulam.


All the contents on the website, of any manner, whatsoever, is Copyrighted work is protected under Indian Copyright Act, 1957. The unauthorized reproduction and distribution of our Copyrighted Work via the internet without our express permission constitute copyright infringement under the Copyright Act, 1957. Your act of infringement of our Copyrighted copyright and proprietary right makes you liable for action in law that includes prosecution under the Code of Civil Procedure,1908 and Code of Criminal Procedure,1973


In the event of a breach of the terms and conditions of these terms of use by the user, the user shall be promptly liable to indemnify for all the costs, losses, and damage caused to us as a result of such a breach. Further, in the event of your breach of these terms of use, you agree that, will be irreparably harmed and will not have an adequate remedy in money or damages. We therefore, shall be entitled in such event to obtain an injunction against such a breach from any court of competent jurisdiction immediately upon request.’s right to obtain such relief shall not limit its right to obtain other remedies.


Any failure of to exercise or enforce any right or

Provision of these terms of use shall not operate as a waiver of such right or provision.


Shipping Policy
  1. Customer has to provide the correct details of recipient name with complete address, nearby landmark, pin code and contact number for hassle free delivery.
  2. Customers are expected to cooperate with the courier agent to ensure smooth and safe delivery.
  3. At the time of delivery, the recipient will have to provide any of the below mentioned ID proofs to collect the product, if requested by the courier agent:
    • a. Passport
    • b. PAN
    • c. Driving license
    • d. Voter ID
    • e. Aadhaar Card
  4. Customers must reject the package if the package is found to be tampered. It should be reported to us through phone / email.
  5. Our logistics Partner will make totally 3 attempts to deliver the product in case the recipient is not available at the address during his visit. In case the recipient is not reachable / available after these 3 attempts, the product will be returned to us.
  6. Customer can change the delivery address by contacting our support team before the ordered product is shipped. Once the product is shipped, option to change the delivery address will not be available.

Delivery processing times

All Orders are processed within 5-6 business days. Orders are not shipped or delivered on weekends or holidays.

If We are experiencing a high volume of orders, shipments may be delayed by a few days. Please allow additional days in transit for delivery. If there will be a significant delay in shipment of Your Order, We will contact You via email or telephone.

Shipping rates & delivery estimates

Shipping charges for Your Orders will be calculated and displayed at checkout.

  • Shipping method: BVC logistics private ltd

    Shipment cost: Free

    Estimated delivery time: 5-6 business days