Subscribe & Save Terms

Vittarq Subscribe & Save ("the Program") is a recurring monthly purchase commitment offered by Vittarq ("we", "us", "our"). When you subscribe, you commit to purchasing a specific gold or silver coin product every month for a chosen duration (4, 8, or 12 months) at a reduced making charge.

Unlike traditional gold savings schemes where your money is pooled and a single product is delivered at the end, Subscribe & Save generates a real, independent order every month at the current market price. Each coin is manufactured, hallmarked, and shipped to you individually. You build your collection one coin at a time.

By enrolling in Subscribe & Save, you agree to these terms. Please read them carefully before subscribing.

To subscribe, you must meet all of the following criteria:

• You are at least 18 years of age.
• You are an Indian resident with a valid Indian address for delivery.
• You have completed KYC verification on Vittarq (PAN card minimum).
• You have an active Vittarq account in good standing.
• You do not have an existing active subscription for the same product.

On the 1st of each month (or the next business day), the system generates a new order for your subscribed product at the current live market price. Your registered bank account is then automatically debited via NACH eMandate — no manual payment is required.

Each monthly order is an independent purchase. It has its own order number, invoice, tracking number, and delivery. There is no pooled fund, no settlement at the end, and no accumulated balance.

Once the debit is confirmed by your bank, the coin is dispatched within 2-3 business days. If the debit fails, we retry up to 3 times over the next 3 business days. If all retries fail, that month's coin is not dispatched and counted as a missed month.

Subscribe & Save is available in three commitment tiers. The longer your commitment, the lower your making charge on every order:

The commitment duration is the number of months you agree to maintain your subscription. It does not represent a binding obligation to purchase -- you can cancel at any time (see Section 8). However, cancelling before your commitment period ends means future orders will not receive the discounted making charge.

Higher tiers require prior purchase history with Vittarq. This eligibility gate prevents abuse of the zero making charge benefit on 12-month plans by ensuring only returning customers can access it.

The reduced making charge is applied to each order while your subscription remains active. Key rules:

• The discounted making charge applies from your very first order -- it is not retroactive or conditional on completing the full commitment.
• Orders that have already been delivered retain their discounted making charge permanently, even if you later cancel the subscription.
• If you cancel before completing your commitment, only future (unplaced) orders lose the discounted making charge.
• The making charge benefit cannot be combined with other promotions, coupons, or discount codes unless explicitly stated.

Active subscribers enjoy the following additional benefits throughout their subscription:

• Free shipping on all subscription orders (gold via BVC Logistics, silver via Delhivery).
• 10% discount on accessories (coin cases, gift boxes, display stands) purchased alongside subscription orders.
• 2x loyalty points multiplier on every subscription order (points redeemable against future purchases).
• Priority access to limited-edition and festival-special coins before they are available to regular customers.

Subscriber perks are active only while the subscription is in "active" status. Paused or cancelled subscriptions do not receive perks. Perks resume immediately when a paused subscription is resumed.

Subscribe & Save offers flexibility to accommodate your schedule and finances:

Skipping a Month

• You may skip up to 2 consecutive months. Skipping prevents order generation for that month.
• If you skip 2 consecutive months, your subscription is automatically paused (see below).
• Skipped months do not count toward your commitment progress. A 12-month commitment with 2 skips will take 14 calendar months to complete.
• You must request a skip before the 1st of the month. Once an order is generated, it cannot be converted to a skip.

Pausing & Escalating Consequences

• Pausing stops all order generation until you explicitly resume.
• Your commitment progress, making charge tier, and subscription terms are preserved during the pause.
• Subscriber perks (free shipping, accessory discount, loyalty multiplier) are suspended during the pause.
• There is no maximum pause duration, but a subscription paused for more than 6 months may be reviewed by our team.
• Escalating consequence: If your subscription is auto-paused (due to 2 consecutive skips or missed payments), and you resume and then trigger auto-pause a second time, the subscription is permanently cancelled with a 60-day cooldown. This prevents repeated abuse of the skip/pause mechanism.

Resuming

• You can resume a paused subscription at any time from your account dashboard.
• Orders resume from the 1st of the month following the resume request.
• All subscriber perks are restored immediately upon resumption.

You may cancel your subscription at any time. Cancellation terms:

• No cancellation penalty or fee. Your subscription stops at the end of the current billing cycle.
• All subscriber perks (free shipping, accessory discount, loyalty multiplier, priority access) stop immediately upon cancellation.
• Orders already delivered are unaffected. You keep the coins and the discounted making charge on those orders.
• Any unpaid, pending order at the time of cancellation is automatically voided.
• A 60-day cooldown period applies before you can re-subscribe to the same product (see Section 12).

To cancel, visit your subscription dashboard at Account > Subscriptions and tap "Cancel Subscription". Cancellation is effective immediately and confirmed via email.

Important: Cancelling your Vittarq subscription does not automatically revoke the bank mandate registered during enrollment. To revoke the eMandate, log in to your bank's net banking portal and cancel the Vittarq mandate under Manage Mandates (or equivalent). You may also visit your bank branch with a written request. An unrevoked mandate with no further debit attempts from Vittarq is harmless, but we recommend revoking it once you no longer intend to re-subscribe.

If you cancel the bank mandate directly through your bank (net banking, branch, or NPCI dispute) without first cancelling your Vittarq subscription, your subscription will be automatically cancelled when the revocation is detected. This is classified as a bank-bypass cancellation and is subject to extended cooldown periods as described in Section 12. To avoid extended cooldowns, always cancel through your Vittarq account dashboard first.

Each monthly order is priced at the live market rate on the day the order is generated. Key pricing terms:

• The gold or silver spot price is sourced from the IBJA (India Bullion and Jewellers Association) feed via our pricing provider.
• There is no price lock across months. Each month's order reflects the current market price plus your subscription making charge tier plus applicable GST (3% on gold, 3% on silver).
• Vittarq's standard margin over spot price applies to all subscription orders, the same as regular purchases.
• Price displayed at the time of order generation is the price you pay. There is no retrospective adjustment.

Because gold and silver prices fluctuate, the total amount you pay across your subscription will vary month to month. Subscribe & Save is not a fixed EMI or loan product.

Payment for each monthly order is fully automatic via eMandate (NACH bank auto-debit):

• During enrollment, you authorise a one-time bank mandate (eMandate / NACH). This is a one-time setup — you will never need to manually pay for subscription orders.
• On the order date, the debit request is submitted to your bank. Your bank processes it within 1-2 business days and the amount is debited automatically.
• If the debit fails (insufficient funds, bank network issue), we retry on the next business day — up to 3 attempts total.
• If all 3 debit attempts fail, that month's coin is not dispatched and is counted as a missed month. Your subscription is paused until you resolve the mandate issue.
• You will receive a reminder 2 days before the debit date via email and WhatsApp.
• You may revoke this mandate at any time through your bank's net banking portal or branch. Mandate revocation stops all future debits immediately but does not cancel your Vittarq subscription — cancel separately via Account > Subscriptions.

The mandate ceiling authorised during enrollment covers the expected maximum monthly order value (spot price × weight + making charge + GST at 3%). The actual debit will never exceed this ceiling.

Each monthly order is an independent shipment:

• Gold coin orders are shipped via BVC Logistics (India's specialist precious metals courier) with signature-on-delivery, tamper-evident packaging, and full insurance.
• Silver coin and accessory orders are shipped via Delhivery with standard tracking and insurance.
• Delivery is typically within 5-7 business days of successful debit confirmation.
• Shipping is free for all active subscription orders. Regular shipping charges apply if the subscription is cancelled or paused.
• Each shipment includes a GST-compliant invoice, BIS hallmark certificate, and Vittarq purity certificate.

To ensure fairness and prevent abuse of the making charge benefit, the following protections apply:

• One active subscription per product per customer. You cannot hold two active subscriptions for the same coin.
• 60-day cooldown on re-subscription. After cancelling a subscription for a specific product, you must wait 60 days before subscribing to that same product again.
• Maximum 2 consecutive skips. Skipping more than 2 months in a row automatically pauses your subscription.
• Subscription transfers are not permitted. Your subscription is tied to your Vittarq account and cannot be transferred to another person.
• Bank-bypass mandate cancellation. If you cancel your bank mandate directly (through net banking, bank branch, or NPCI dispute) without first cancelling your subscription through the Vittarq dashboard, it is treated as a bank-bypass cancellation. This carries extended penalties because it circumvents the standard cancellation flow and its built-in protections:
  • The per-product cooldown is doubled (e.g., 120 days instead of 60 for a 4-month tier, 180 days instead of 90 for an 8-month tier, 240 days instead of 120 for a 12-month tier).
  • The good-faith halving rule does not apply. Even if you completed more than half of your committed months, the full doubled cooldown period applies.
  • The global re-subscription cooldown is doubled (60 days instead of 30 for any product).
  • The cancellation always counts as an early cancellation strike towards the PAN-level limit, regardless of how many months were completed.

To avoid extended penalties, always cancel your subscription through the Vittarq dashboard first. The dashboard cancellation flow also takes care of revoking the bank mandate on your behalf.

Vittarq reserves the right to modify these terms at any time. When we make changes:

• Existing subscriptions continue to be governed by the version of these terms that was in effect at the time of enrollment.
• Material changes (making charge tiers, debit retry policy, cooldown duration) will be communicated via email at least 30 days before they take effect for new subscriptions.
• Non-material changes (clarifications, formatting, additional information) may be applied without prior notice.
• The current version number and effective date are displayed at the top and bottom of this page.

Your continued subscription after notification of material changes constitutes acceptance of the revised terms for new orders placed after the effective date.

If you have a complaint or concern about your subscription, our support team is here to help:

• Customer Support: support@vittarq.com
• Grievance Officer: grievance@vittarq.com

We aim to acknowledge all complaints within 24 hours and resolve them within 7 business days. If you are unsatisfied with the resolution, you may escalate to the grievance officer, who will respond within 30 days as required under the Consumer Protection (E-Commerce) Rules, 2020.

These terms are governed by and construed in accordance with the laws of India. Any disputes arising from or relating to Subscribe & Save shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

You should not subscribe if you are seeking an investment product, deposit, or fixed return. Please consult a SEBI-registered financial advisor before making decisions about precious metals as part of your wealth plan. Vittarq's role is limited to manufacturing, certifying, and delivering the physical coin you order each month.