Please read the following terms and conditions of use (“Terms of Use”) carefully before using this website i.e., https://www.handsofgold.in/ (“Website”). This document is an electronic record in terms of Information Technology Act, 2000 and published in accordance with the provisions of Rule 3) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of Website. The Terms of Use stipulated herein constitutes a legally binding agreement made between the user and the concerned company, whether executed personally or on the behalf of any entity (“You” or “Your” or “User”), concerning Your access and use of the Website or the services/products offered by FIL Industries Private Limited (“HANDS OF GOLD”) via this Website. By accessing this Website and any pages thereof, You agree to be bound by these Terms of Use. This Website is available for Your use only on the condition that You agree to the Terms of Use set forth below. If you do not agree to all the Terms of Use, you can’t access or use this Website.

  1. User Eligibility
    1. This Website is available only to the Users who are competent to enter into a contract as per The Indian Contract Act, 1872 and such Users shall use the services provided on this Website, in accordance with all the Terms of Use stipulated herein.
    2. HANDS OF GOLD has no intention to collect or use any personal information from anyone who is not competent to enter into a contract as per The Indian Contract Act, 1872, and “HANDS OF GOLD” will not knowingly do so. In the event, “HANDS OF GOLD” is made aware that “HANDS OF GOLD” has collected any personal information from a person who is not competent to enter into a contract as per The Indian Contract Act, 1872, and “HANDS OF GOLD” is asked to delete such information from the system and/or record, “HANDS OF GOLD” will promptly do so.
    3. “HANDS OF GOLD” reserves the right to refuse or deny the access to the usage of services offered on the website, if it is brought to “HANDS OF GOLD’s” notice or is discovered that You are not competent to enter into a legally binding contract.
  2. Modification/Changes
    1. “HANDS OF GOLD” reserves the right to make any improvements and/or changes to the Terms of Use, mentioned herein, at any time. Any aspect of the Website may be changed, supplemented, deleted or updated at the sole discretion of “HANDS OF GOLD” without any notice/intimation. Continued usage of the Website by the User, after any changes to these Terms of Use, will be deemed as acceptance of such changes.
    2. “HANDS OF GOLD” further reserves the right to change or impose fees for products and/ or services provided through the Website, at any time, at its sole discretion. “HANDS OF GOLD” may establish or change, at any time, general practices and/ or restrictions concerning other HANDS OF GOLD’s products and services at its sole discretion.
    3. “HANDS OF GOLD” further reserves the right (but has no obligation) to change the Content (as defined in Clause 7.1) and/or other offerings on the Website, at any time, without any notice to You and/or any other person. “HANDS OF GOLD” requests You to review these Terms of Use periodicially, so as to be updated with the changes that may affect You. If You do not agree to the modifications/changes to the Terms of Use/Website, then You may discontinue Your usage to the Website. Your continued usage of the Website will signify Your continued agreement and/or acceptance to these amended Terms of Use.
  3. Disclaimer and No Warranties
    1. The information and materials contained on the said Website, and the terms, conditions, and/or descriptions that appear on the Website, are subject to change. Any Unauthorized use of the said Website and systems, including but not limited to unauthorized entry into HANDS OF GOLD’s systems, misuse of passwords, and/or misuse of any information posted on the Website is strictly prohibited. All products and services are not available in all geographical areas.
    2. Your eligibility for particular products and/or services is subject to final determination by “HANDS OF GOLD” and/or its affiliates. You are aware that the information available through this Website is provided solely for informational purposes at User’s sole risk. “HANDS OF GOLD” makes no guarantee as to the accurateness, quality, and/or completeness of the information provided on or through the Website, and “HANDS OF GOLD” shall not be responsible and/or liable for any errors, omissions, and/or inaccuracies in the information disseminated or for any User’s reliance on the information disseminated. User shall be solely responsible for verifying the information on the Website. “HANDS OF GOLD” does not warrant that the services provided and/or products sold, through and/or on the Website, will be uninterrupted or error-free or that defects on the Website will be corrected.
    3. While using this Website, You are required to comply with all applicable statutes, orders, regulations, rules, and other laws. You undertake to not use this Website for any fraudulent or unlawful purpose, and You shall not take any action to interfere with this Website and/or any other User’s use of this Website. In addition, “HANDS OF GOLD” expects You to respect the rights and/or dignity of other Users. By way of example and not of limitation, You expressly agree that You will not do any of the following, which violates this Agreement:
    4. Post, upload, share, transmit, distribute, facilitate distribution of and/or otherwise make available to and/or through this Website any unlawful, infringing, harmful, harassing, defamatory, threatening, intimidating, fraudulent, tortious, vulgar or objectionable material of any kind, including unauthorized and/or unsolicited advertising;
    5. Reproduce, duplicate and/or copy any portion of this Website, except as authorized by the Terms of Use stipulated herein;
    6. Sell, resell and/or otherwise exploit for any commercial purposes, the use of and/or access to this Website and/or any portion thereof without the prior written consent of “HANDS OF GOLD”;
    7. Impersonate any person and/or entity, falsely state and/or otherwise misrepresent Your affiliation with any person and/or entity in connection with this Website, and/or express and/or imply that “HANDS OF GOLD” endorses any statement made by You;
    8. Violate and/or attempt to violate the security of this Website;
    9. Disseminate on the Website any viruses, worms, spyware, adware and/or other malicious computer code, file and/or program that is harmful, invasive and/or is intended to damage and/or hijack the operation of, and/or monitor the use of, any hardware, software and/or equipment;
    10. Use any data mining, bots, spiders, automated tools and/or similar data gathering and/or extraction methods, directly or indirectly, on the Website or to collect any information from the Website and/or any other User of the Website;
    11. Assist or permit any person in violating these Terms of Use or applicable statutes, orders, regulations, rules, and other laws governing the use of the Website.
    12. The products and/or services on this Website are provided “with all faults” basis and without warranties and/or representations of any kind either expressed or implied. Information, products, and/or services contained on this Website, and the inclusion and/or offering of any products or services on this Website does not constitute any endorsement or recommendation of such products or services by “HANDS OF GOLD” and/or HANDS OF GOLD’s affiliates. The material provided and/or information disseminated on this Website could include technical inaccuracies and/or typographical errors. “HANDS OF GOLD” may make changes and/or improvements at any time.
    13. To the fullest extent permissible, pursuant to applicable laws, “HANDS OF GOLD” disclaims all warranties relating to the information and description of the product(s) and/or service(s) displayed on this website. “HANDS OF GOLD” and/or its Affiliates and/or third-party suppliers and/or licensors and/or partners do not warrant and/or make any representations regarding the use or the results of the use of the services, the Website and/or any reference sites in terms of correctness, accuracy, reliability, or otherwise.
    14. “HANDS OF GOLD” does not warrant that the functions contained and/or service(s) and/or product(s) and/or information provided on this Website will be uninterrupted or error free, that defects will be corrected, or that this Website and/or the servers that make it available are free of viruses and/or other harmful components but shall endeavour to ensure Your fullest satisfaction.
    15. “HANDS OF GOLD” does not warrant and/or make any representations regarding the use of and/or the result of the use of the material and/or service(s) and/or product(s) and/or information provided on the Website in terms of their correctness, accuracy, reliability, or otherwise, insofar as such material is derived from other service providers/suppliers. The Website, information, products, services and the Content are provided on an “as is” basis.
    16. “HANDS OF GOLD”, to the fullest extent permitted by law, disclaims all warranties, either express and/or implied, statutory and/or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of third-party rights, and fitness for a particular purpose.
    17. You acknowledge that this Website is provided only on the terms and conditions set out in these Terms of Use. Your uninterrupted access and/or use of this Website, on this basis, may be prevented by certain factors outside reasonable control of “HANDS OF GOLD”, including without limitation, the unavailability, inoperability and/or interruption of the internet and/or other telecommunications services or as a result of any maintenance and/or other service work carried out on this Website. “HANDS OF GOLD” does not accept any responsibility and shall not be liable for any loss or damage, whatsoever, arising out of, or in connection with, any ability/inability to access and/or to use the Website.
  4. Terms of Sale
    1. By placing an order with us, you are (i) offering to purchase a product, (ii) representing that you are of legal age to form a binding contract, and (iii) representing that all information you provide to us in connection with such order is true and accurate and you are an authorized user of the payment method provided. The receipt by you of an order confirmation does not constitute our acceptance of an order. We retain the right to refuse any order request made by you.
    2. Prior to our acceptance of an order, verification of information may be required. We reserve the right at any time after receipt of your order to accept, modify or decline your order, or any portion thereof, even after your receipt of an order confirmation from us, for any reason whatsoever. We reserve the right to limit the number of items ordered and to refuse service to You without prior notification.
  5. Privacy Policy
    1. “HANDS OF GOLD” believes in protecting Your privacy. Our Privacy Policy contains further information about how data is collected, used and made available on or by the Website. Please click here to review our current Privacy Policy, which also governs Your use of this Website, to understand our practices: Privacy policy – https://www.handsofgold.in/privacy-policy/
    2. With respect to any individual whose personal information is provided by You to “HANDS OF GOLD”, You represent to “HANDS OF GOLD” that You have obtained all necessary consent for the processing of such personal information contemplated by the services.
  6. User Contributions
    1. This Website may contain message boards, personal web pages and/or profiles, forums, social media platform(s), bulletin boards and/or other interactive features that allow Users to post, submit, publish, display and/or transmit to other users and/or other persons content and/or materials (“User Contributions”) on or through the Website.
    2. If You voluntarily disclose any personal information on or through the Website or on any other User or member-generated pages which may result in unsolicited contact from other parties then You shall be responsible for any content and/or information and/or User Contributions You transmit on or through our Website.
    3. Any User Contributions that You post on or through the Website shall be considered as non-confidential and non-proprietary. By providing any User Contributions on the Website, You grant us, our affiliates, our service providers, and each of their and our respective licensees, successors and assigns, the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.
  7. User’s Representations and Warranties
    1. You represent and warrant that:
      1. Any content and/or information and/or User Contributions, You transmit on or through our Website is truthful, accurate, not misleading and offered in good faith, and that You have the right to transmit such content/information/User Contributions. You hereby also represent and warrant that You own and/or control all rights in relation to the User Contributions and have the right to grant the license to use such User Contributions to “HANDS OF GOLD” and our affiliates and service providers, and each of their and our respective licensees, successors and assigns.
      2. You shall not upload, post and/or otherwise make available on or through this Website any content/User Contributions which are protected by copyright, trademark and/or other proprietary right of any third party without the express written permission of the owner of such right(s), or the authority to do so. You shall be solely liable for any damages resulting from any infringement of copyright, trademark or other proprietary rights, and/or any other harm resulting from such a submission.
      3. You understand and acknowledge that You are responsible for any User Contributions You submit and/or contribute, and You have full responsibility for such content, including its legality, reliability, accuracy and/or appropriateness. “HANDS OF GOLD” shall not be held responsible and/or be liable to any third party for the content and/or accuracy of any User Contributions posted by You and/or any other User of this Website.
  8. Intellectual Property Rights
    1. Any and all intellectual property rights (“Intellectual Property”) associated with this Website and its contents (“Content”) are the sole property of “HANDS OF GOLD” and its affiliates. The Content is protected by Intellectual Property and other laws in India. Elements of this Website are also protected by trade name, trade secret, and other applicable laws, which shall not be copied and/or imitated in whole and/or in part. All customised graphics, icons, and other items that appear on the Website are trademarks, service marks and/or trade name (“Marks”) of “HANDS OF GOLD”, its affiliates and/or other entities that have granted “HANDS OF GOLD” the right and licence to use such Marks and may not be used and/or interfered with, in any manner without the express written consent of “HANDS OF GOLD”. Except as otherwise expressly authorised by these Terms of Use, You shall not, in any manner whatsoever, copy, reproduce, modify, amend, lease, loan, sell and/or create derivative works from, upload, transmit, and/or distribute the Intellectual Property of the Website in any way without HANDS OF GOLD’s prior written permission. Except as expressly provided herein, nothing on this Website shall be construed as granting, by implication, estoppel or otherwise, any license and/or right to use any Intellectual Property displayed and/or used on this Website, without the prior written permission of “HANDS OF GOLD”.
    2. “HANDS OF GOLD” hereby grants You a limited, personal, non-transferable, non-sublicensable, revocable licence to access and use the Website’s Content, products and services only for non-commercial purposes in the manner expressly permitted by “HANDS OF GOLD” and subject to these Terms of Use. Except for this limited license, “HANDS OF GOLD” does not convey any interest in and/or in relation to the information, User Contributions, Content, services, products and/or any other data available on or through the Website by permitting You to access the Website. Except to the extent required by law and/or as expressly provided herein, none of the Content and/or information and/or User Contributions may be reverse-engineered, modified, amended, reproduced, republished, translated into any language or computer language, re-transmitted in any form and/or by any means, resold and/or redistributed without the prior written consent of “HANDS OF GOLD”. You shall not make, sell, offer for sale, modify, amend, reproduce, display, publicly perform, import, distribute, retransmit and/or otherwise use the Content and/or information in any way unless expressly permitted to do so by “HANDS OF GOLD”.
    3. Any rights not expressly granted herein are reserved.
  9. Third Party Links
    1. The Website may contain links to third-party Websites and resources (“Linked Site”). These Linked Sites are provided solely as a convenience to You and not as an endorsement by “HANDS OF GOLD” of the content of such Linked Sites. “HANDS OF GOLD” makes no representations and/or warranties regarding the correctness, accuracy, performance and/or quality of any content, software, service and/or application found at any Linked Site. The Linked Sites are not under the control of “HANDS OF GOLD”“HANDS OF GOLD” does not review and/or monitor any Linked Sites and shall not be responsible for the availability of the Linked Site or the content or activities of such sites. If You decide to access a Linked Site, You will do so at Your own risk. In addition, Your use of Linked Site is subject to any applicable policy, and terms and conditions of use, including but not limited to the Linked Site’s privacy policy. Prior to purchasing any third-party product(s) and/or availing any services described on the Linked Sites, You are advised to verify pricing, product quality and other information necessary to make an informed purchase. Neither “HANDS OF GOLD” nor its parent and/or any of its divisions, affiliates, agents, representatives and/or licensors shall have any liability arising from Your purchases of third-party products and/or availing any services based upon the information disseminated on the Linked Site(s), and “HANDS OF GOLD” shall not receive and/or review complaints regarding such purchases.
    2. Linking to any page of the Website other than https://www.handsofgold.in/ (“Associated Link”) through a plain text link is strictly prohibited in the absence of a separate linkage agreement with “HANDS OF GOLD”. Any website, other than the Associated Link, that links to the Website, and/or any page available therein, is prohibited from replicating Content.
  10. Payment of Fee:
    1. The User agrees to pay all charges, fees, duties, taxes, and assessments for the services availed and/or products purchased through or on this Website. The services provided and/or products offered shall be subject to their applicable terms and conditions.
  11. Confidentiality
    1. Any information and/or User Contributions and/or Content which is specifically mentioned/shared on or through the Website shall be treated as confidential. The User of this Website shall at all times maintain confidentiality of information and/or User Contributions and/or Content shared on or through the Website. The information and/or User Contributions and/or Content shall not be disclosed unless as required by law or to serve the purpose of these Terms of Use.
  12. Notice
    1. “HANDS OF GOLD” may provide you with notices and communications by email, regular mail or postings on the Website or by any other reasonable means. Except as otherwise set forth herein, if You find any discrepancies or have any grievances in relation to the collection, storage, use, disclosure, and transfer of your information under this Privacy Policy or any terms of HANDS OF GOLD’s Terms of Use and other terms and conditions or polices of “HANDS OF GOLD”, please contact at info.handsofgold@fil.net.in.
  13. Termination
    1. The Website and these Terms of Use are effective until terminated by “HANDS OF GOLD”. If at any time, “HANDS OF GOLD” is of the view that You have violated/ breached these Terms of Use then “HANDS OF GOLD” shall have the right and/or remedy that may be available under any applicable law, and subject to regulatory requirements, to suspend, limit and/or terminate all or a portion of Your access to the Website, and/or any of their features at any time with or without notice.
    2. You understand and agree that “HANDS OF GOLD”, at its sole discretion, may terminate and/or suspend Your use of the Website, information, services, products, User Contributions and Content at any time, and for any and/or no reason at its sole discretion, even if access and use continue to be allowed to other Users of the Website.
    3. Upon such suspension or termination, You must immediately discontinue Your use of the Website, and destroy any copies You may have made of any portion of the Content / User Contributions. Accessing the Website, information and/or products and/or services and/or Content, after such termination, suspension and/or discontinuation, shall constitute an act of trespass. Further, You agree that “HANDS OF GOLD” shall not be liable to You or to any third party for any termination or suspension of Your access to the Website, information and/or services and/or products and/or Content.
    4. The provisions concerning authorized use, Intellectual Property Rights, User Contributions, Disclaimer and No Warranties, Confidentiality, Limitation of Liability and Indemnity, as well as any other provisions that by their nature should survive, shall survive any such termination.
  14. Indemnity
    1. You agree to defend, indemnify, and hold “HANDS OF GOLD” harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fee, arising from and/or related to Your use of this Website and/or services you avail and/or any products you purchase through it.
    2. You shall defend, indemnify, and hold harmless “HANDS OF GOLD” and its affiliates from and against any losses including any material claim, liability, demand, damage, judgement and/or other obligation and/or right of action, which may arise as a result (a) your breach of any provision of the Terms of Use; (b) Your activities in connection with the Website; or (c) unsolicited information You provide to the “HANDS OF GOLD” through the Website.
  15. Limitation of Liability
    1. In no event shall, “HANDS OF GOLD”, its affiliates, licensors, suppliers or any third parties mentioned on the Website, be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses and/or expenses arising in connection with this Website and/or any Linked Site and/or use thereof or inability to use the Website, products, information, services and/or Content whether based on warranty, contract, tort, delict, or any other legal foundation, and whether or not “HANDS OF GOLD” or its representatives thereof, are advised of the possibility of such damages, losses and/or expenses.
  16. Dispute Resolution
    1. All dispute(s) and/or difference(s) arising out of or in connection with any of the matters set out under these Terms of Use or Website (“Dispute”), if not resolved by amicable settlement within thirty (30) days from the date of occurrence of Dispute, shall be finally and conclusively determined by arbitration in accordance with the Arbitration and Conciliation Act, 1996, of India, for the time being in force. The arbitration shall be conducted by a sole arbitrator appointed by “HANDS OF GOLD” (“Sole Arbitrator”). The Sole Arbitrator shall reach and render a reasoned decision in writing with respect to the appropriate award to be rendered or remedy to be granted pursuant to the dispute.
    2. To the extent practical, decisions of the Sole Arbitrator shall be rendered no more than ninety (90) days following commencement of proceedings with respect thereto.
    3. The arbitration shall be conducted in English, and the venue for arbitration shall be Jammu & Kashmir, India.
    4. The Sole Arbitrator shall be entitled to award costs of the arbitration and the costs of arbitration will be borne by such party which is/ are directed by the arbitrator to so bear the costs of arbitration.
  17. Governing Law and Jurisdiction
    1. To the fullest extent permitted by law, these Terms of Use are governed by the laws prevailing in India, as amended from time to time and courts in Jammu & Kashmir, India will have jurisdiction.
  18. General
    1. You may not assign these Terms of Use or any of Your interests, rights or obligations under these Terms of Use. If any provision of these Terms of Use shall be found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any of these Terms of Use shall be deemed as further or continuing waiver of such term or condition or any other term or condition. You may preserve these Terms of Use in written form by printing them for Your records, and You waive any other requirement for these Terms of Use to be proved by means of a written document.
  19. Waiver and Severability
    1. The failure of “HANDS OF GOLD” to exercise or enforce any terms or conditions set forth in these Terms of Use shall not constitute a waiver of such right or provision. Waiver of any provision of this Agreement will be effective only if in writing and signed by “HANDS OF GOLD”.
    2. If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
  20. Entire Agreement
    1. The Terms of Use constitute the sole and entire agreement between You and “HANDS OF GOLD” with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to this Website.