Welcome to www.goldsikka.com ("this Website"), a website owned and operated by Goldsikka Limited. We, Goldsikka Limited and/or our designated affiliates (jointly "Goldsikka") provide website features to you, the user subject to your acceptance of the following Terms and Conditions of Access and Use, constituting an agreement between us ("Agreement"). If you continue to use this Website or communicate with us, you will be deemed to have accepted these Terms and Conditions of Access and Use. Please read these Terms and Conditions of Access and Use carefully. In addition, when you use any current or future Goldsikka service or business you will also be subject to the guidelines, terms and agreements applicable to such service or business ("Specific Terms"). If the Terms and Conditions of Access and Use are expressly inconsistent with such Specific Terms, the Specific Terms will prevail. Goldsikka may revise these Terms and Conditions of Access and Use from time to time and at any time, without notice to you. If you do not agree to be bound by these Terms and Conditions of Access and Use, as modified from time to time, you should leave this Website immediately. The section titles in these Terms and Conditions of Access and Use are for convenience only and have no legal effect.

You acknowledge that the disclaimers and exclusions of liability set forth in these Terms and Conditions of Access and Use represent a fair and reasonable allocation of the risks and benefits of the Agreement between you and us, taking all relevant factors into consideration. You agree that these disclaimers and limitations shall be enforceable to the fullest extent permitted by applicable law. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Website or these Terms and Conditions of Access and Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.

These Terms and Conditions of Access and Use shall be read in conjunction with the Business Rules of Goldsikka and of this Website, as available on this Website. Goldsikka may revise these Business Rules from time to time and at any time without notice to you.

All content included in this Website such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations and software is the property of Goldsikka or its content suppliers and is protected by international copyright laws. All software used on this site is the property of Goldsikka or its software suppliers and is protected by international copyright laws. The content of this Website cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any non-personal use without the prior written approval of Goldsikka. Graphics, logos, page headers, button icons, scripts and service names contained in or features in this Website are trademarks or trade dress of Goldsikka. Goldsikka's trademarks may not be used in connection with any other product or service in any manner that is likely to cause confusion, disparage or discredit regarding Goldsikka and its products and services. All trademarks not owned by Goldsikka that appear in this site are the property of their respective owners, who may or may not be affiliated with connected to or sponsored by Goldsikka.

This Website and all information content, materials, products (including software) and services included on or otherwise made available to you through this Website are provided by Goldsikka on an "as is" and "as available" basis unless otherwise specified in writing. Goldsikka makes no representations or warranties of any kind, express or implied, as to the operation of this site or the information, content, materials, products (including software) or services included on or otherwise made available to you through this site, unless otherwise specified in writing. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by applicable law, Goldsikka disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Goldsikka does not warrant that this site information, content, materials, products (including software) or services included on or otherwise made available to you through this site, their servers or electronic communications sent from Goldsikka are free of viruses or other harmful components. Goldsikka will not be liable for any damages of any kind arising from the use of this site or from any information, content, materials, products (including software) or services included on or otherwise made available to you through this site including but not limited to direct, indirect, incidental, punitive, and consequential damages unless otherwise specified expressly in writing.

Any dispute or claim relating in any way to your visit to this Website or to products or services sold or distributed by Goldsikka or through this Website will be resolved first by arbitration. The Indian Arbitration and Conciliation Act of 1996 applies to this agreement. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim in detail to our address available on this Website. The arbitration will be conducted in Mumbai by an independent arbitrator appointed by Goldsikka. The costs of arbitration proceedings will be borne by the party so instructed by the arbitrator on merits of the case. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action.

When you visit this Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We may communicate with you by one or more of letters, e-mail, SMS or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy all legal requirements that such communications be in writing.

You shall procure and maintain all communication and other equipment necessary to access this Website and the costs of any such equipment and communication connections or use including any applicable taxes, shall be borne solely by you. You are responsible for operating your own equipment used to access this Website.

If you wish to make any financial transactions on this Website, including paying for products or services, you may be asked for credit card or other payment information. You agree that all information you provide is accurate, complete and current and that you will pay all charges owed including any applicable taxes. You agree that you are solely responsible for any personal income reporting and tax payments required of you by applicable government authorities.

By visiting this Website, you agree to be bound by the applicable Indian laws and State laws including those pertaining to taxation. This Agreement has been executed and delivered in India and its interpretations, validity and performance shall be construed and enforced in accordance with the laws of the Republic of India without regard to principles of conflict of laws and shall be subject to the exclusive jurisdiction of courts at Mumbai, India.

By visiting this Website, you agree to be bound by the applicable Indian laws and State laws including those pertaining to taxation. This Agreement has been executed and delivered in India and its interpretations, validity and performance shall be construed and enforced in accordance with the laws of the Republic of India without regard to principles of conflict of laws and shall be subject to the exclusive jurisdiction of courts at Mumbai, India.

You acknowledge that you have read these Terms and Conditions of Access and Use and agree to them in entirety. You understand that we may at any time (directly or indirectly) solicit member referrals on terms that may differ from those contained in this Terms and Conditions of Access and Use. You have independently evaluated the desirability of associating with this Website or of participating in its programs or of availing its services and/or products and are not relying on any representation, guarantee or statements other than as set forth in this Terms and Conditions of Access and Use

Goldsikka grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it or any portion of it except with express written consent of Goldsikka. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of Goldsikka. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout, or form) of Goldsikka without its express written consent. You may not use any metatags or any other "hidden text" utilizing Goldsikka's name or trademarks without the express written consent of Goldsikka. Any unauthorized use terminates the permission or license granted by Goldsikka. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to this Website so long as the link does not portray Goldsikka or its products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any Goldsikka logo or other proprietary graphic or trademark as part of the link without express written permission.

You expressly agree that use of this Website is at your sole risk. While we will take all reasonable precautions to ensure uninterrupted and errorfree operations, your access and use of this Website is at your sole risk. The service is provided on an "as is" and "as available" basis. We and our licensors, suppliers, vendors, parent, holding, subsidiary and related companies, affiliates, officers, agents and employees expressly disclaim all warranties of any kind whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non- infringement. In no event shall Goldsikka be liable for any direct, indirect, incidental, special, punitive, consequential damages or any damages whatsoever including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from: The use or the inability to use our services or access content, The cost of procurement of substitute goods and services resulting from transactions entered into through or from this Website, The unauthorized access to or alterations of your transmissions or data, Statements or conduct of any third party on the service or Any other matter relating to any service or product offered, delivered or agreed to be delivered even if Goldsikka has been advised of the possibility of damages.

For your convenience, this Website may provide links to the sites of affiliated companies and certain other businesses which may not be in our control. You acknowledge that Goldsikka does not endorse these linked sites (even if they pop up in a frame) or any links contained in these linked sites. We are not responsible for examining or evaluating, and we do not warrant the offerings of any of these businesses or individuals or the content of their websites. Goldsikka does not assume any responsibility or liability for the actions, product and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.

One or more patents owned by Goldsikka may apply to this site and to the features and services accessible via the site. Portions of this site may operate under license of one or more patents.

Except where noted otherwise, the prices displayed for products on this Website represents the value of the respective product. For certain transactions, you shall bear fees and charges in addition to payment for prices displayed on this Website. Such additional fees and charges shall be as are stated on the website. Please pay attention to the details of your transactions, because your total price for a transaction may include taxes, fees and shipping costs, which you are responsible for paying. With respect to services provided or products sold by Goldsikka, we cannot confirm the cost of a service or the price of a product until you order. Despite our best efforts, a small number of the items in our catalogue may be mispriced. If an item's correct price is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation.

This Website is strongly committed to your right to privacy and to keeping your information secure. We collect your personal information on a need-to-know basis. Personal information includes but is not limited to, first and last name, physical address, e-mail address, phone number, birth date and any other information that itself identifies or when tied to the above information, may identify you as a specific individual. Additionally, Goldsikka may require you to provide additional information and documents for meeting its Know-Your-Client guidelines. This Website does not collect personally identifiable information about you except when you specifically and knowingly provide it. Goldsikka uses your personally identifiable information also to operate this Website and offer its services and to inform you of new features, services and products from Goldsikka. Goldsikka may carefully select other companies to send you information about their products or services which are related to this Website but are not necessary to its operation (an "Extended Service"). You would be provided the option to decline the Extended Service. Goldsikka may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary: (a) to conform to the edicts of law or comply with legal process served on Goldsikka; (ii) to protect and defend the rights or property (including intellectual property) of Goldsikka and/or of this Website or (iii) to act under exigent circumstances (as Goldsikka may, in its sole decision decide) to protect the personal safety of users of this Website, Goldsikka or the public. This Website may have features which provide for users to disclose their identities and communicate with other users. Your use of such features and disclosure of any personal details (e.g. e-mail address) by you through these features are at your sole risk, and Goldsikka accepts no responsibility for the same.

Goldsikka attempts to be as accurate as possible. However, Goldsikka does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current or error-free. If a product offered by Goldsikka is not as described, your sole remedy is to return it in unused condition for a replac ement under the provisions of our Replacement Policy.

Goldsikka does not take title to returned items until the item arrives at our designated address. For more information about our returns and replacement, please see our Replacement Policy.

You may post reviews, comments, photos and other content and submit suggestions, ideas, comments, questions or other information to this Website, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of spam. You may not use a false e-mail address, impersonate any person or entity or otherwise mislead as to the origin of a card or other content. Goldsikka does not regularly review posted content, but reserves the right (but has no obligation) to remove or edit such content, at its sole discretion. If you do post content or submit material, and unless we indicate otherwise, you grant Goldsikka a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Goldsikka and its sub-licensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Goldsikka for all claims resulting from content you supply. Goldsikka has the right but not the obligation to monitor and edit or remove any activity or content. Goldsikka takes no responsibility and assumes no liability for any content posted by you or any third party.

Please review our other policies posted in this site. These policies also govern your visit to this Website. We reserve the right to make changes to our site, policies and these Terms and Conditions of Access and Use at any time. If any of these Terms and Conditions of Access and Use is deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall be modified so as to give effect to the economic intent of such impugned provision and shall not affect the validity and enforceability of the remaining Terms and Conditions of Access and Use.

Goldsikka reserves the right to discontinue in whole or in part, any portion of this Website services or programs with or without notice. This discontinuation may relate to all users, certain groups of users or to certain individual users. This Agreement and the license rights granted hereunder shall remain in full force and effect unless terminated or cancelled for any of the following reasons: (a) immediately by Goldsikka for any unauthorized access or use by you; (b) immediately by Goldsikka if you assign or transfer (or attempt to do so) any rights granted to you under this Agreement; (c) immediately, if you violate any of the other terms and conditions of Terms and Conditions of Access and Use. Termination or cancellation of this Agreement shall not affect any right or relief to which Goldsikka may be entitled at law or in equity. Upon termination of this User Agreement, all rights granted to you will terminate and return to Goldsikka.

Although this Website is accessible worldwide, not all products or services discussed or referenced on this Website are available to all persons or in all geographic locations or jurisdictions. This Website reserves the right to limit the provision of any product or service to any person, geographic area or jurisdiction it so desires, in its sole discretion and to limit the quantities of any such product or service that it provides. Any offer for any product or service made on this Website is void where prohibited.

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. Goldsikka does not offer services or sell products to parties under the age of 18 years. Goldsikka reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders and instructions at its sole discretion.

You may use this Website only if you are an Indian citizen residing in India and are eligible to enter into contracts under Indian law. Minors, non-Indian citizens and non-resident Indians cannot participate on this Website at present.

In consideration of your use of this Website, you agree to Provide true, accurate, current and complete information about yourself as prompted by the registration form required by this Website (such information being the "Registration Data"), and Maintain and promptly update the Registration Data to keep it true, accurate, current and complete. In addition, we require that you fill and sign all forms and documents which form part of your account opening kit and supply us with all the relevant legal documents and financial information which law requires us to maintain. You warrant and represent that all information that you supply to us is accurate and truthful. You also expressly authorize Goldsikka to obtain reports concerning your credit standing and business conduct. If your application is approved, Goldsikka will open an account ("Account") for you. We reserve the absolute right to either accept or reject your application on any grounds whatsoever and you agree that you shall not dispute the result in any manner whatsoever. Notwithstanding the foregoing, we may provide you with access to some parts of this Website without you registering as a user. In that case, your identification is based on other means of identification that we deem appropriate. You agree that such information may be collected and disclosed to us and used in accordance with these Terms and Conditions of Access and Use.

If you provide any information that is untrue, inaccurate, not current or incomplete or Goldsikka has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Goldsikka has the right to suspend or terminate your account and refuse any and all current or future use of this Website (or any portion thereof) without any liability to you.

Upon completing the registration process with this Website, you will receive a password and account designation. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify Goldsikka of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session.

You agree that Goldsikka, in its sole discretion, may terminate your password, Account or your use of this Website. Goldsikka may terminate your Account and remove any content within this Website for any reason, including, without limitation, if Goldsikka, in its sole opinion, believes that you have violated or acted inconsistently with the letter or spirit of these T erms and Conditions of Access and Use. Goldsikka may also, in its sole discretion and at any time discontinue this Website or any part thereof, without notice. You agree that any termination of your access to this Website under any provision of these Terms and Conditions of Access and Use may be effected without prior notice and acknowledge and agree that Goldsikka may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or to this Website. Further you agree that Goldsikka shall not be liable to you or any third-party for any termination of your access to the Service. However, on such termination, Goldsikka shall return the net amount of money standing to the credit of your Account.

Goldsikka may publish research and opinions on this Website for your information. You may not rely on any such information for forming your investment decisions. You acknowledge that Goldsikka or this Website and its officers, directors, employees, agents and affiliates will have no liability with respect to transactions in or for your Account and your investment decisions.

Through this Website, Goldsikka shall facilitate trade of Gold and Silver (Bullion). All trades are final and non-reversible. Goldsikka shall provide buy / sell quotes for the prices of Bullion, which shall be linked based on a formula to the prices of gold and silver in the spot market. You may buy any quantity of Bullion through this Website, subject to policies framed in this regard by Goldsikka. Bullion can only be purchased against advance balance available in your website account. Goldsikka shall issue an invoice with Bullion (as the case may be) purchased by you. The bullion purchased will be delivered and stored with a custodian in a vault. The cost of insurance of bullion will be borne by Goldsikka. You shall have the option to (a) sell the Gold / Silver from your website account back to Goldsikka at the prices shown on this Website at the time of sale, or (b) request physical delivery of Gold / Silver to your doorstep from the vault. Bullion cannot be pledged or transferred to any other user.

In order to trade on this Website, you are required to maintain an advance balance in your website account. Your deposit of a certain amount is added to your website account as an advance balance. You can deposit advance in your account by using Internet banking, electronic transfer, cheque, demand draft and debit card. Advance will be credited in your account after the funds are cleared. When you buy a Gold / Silver through your Account on this Website, the amount of the purchase will be deducted from the advance balance in your Account. Similarly, when you sell a Gold / Silver from your Account on this Website, the amount of the transaction will be added to the balance in your Account. No interest would be payable on the advance deposited / maintained by you in the Account or with Goldsikka. You may withdraw a part or the entire cash balance in your Account upon request to Goldsikka. The withdrawal may be effectuated by such means as Goldsikka may decide at its sole discretion. Such means may include electronic transfer of funds to your bank account and payment through cheque. While it is unlikely, there could be negative balance in your Account due to reasons such as charges debit inadvertently processing buy orders without available balance, etcetera. In such a case, you would promptly transfer funds to your website account to the extent of the negative balance. If payment is not received within a reasonable time, your Account may be closed, without prior notification. In such an event, you will be liable for any resulting losses and all associated costs incurred by Goldsikka.

The market prices of bullion shown on this Website would be an invitation to offer to all eligible Account holders. An order legitimately placed by an eligible Account holder would constitute an offer for purchase or sale of Gold and Silver as the case may be. Goldsikka may accept or reject such an offer at its discretion. hough orders would usually be attended to within seconds, certain orders, at Goldsikka's discretion, may be subject to manual review and entry, which may cause delays in the processing of your orders. You also accept that you will receive the price at which your order executes in our systems, which may be different from the price at which the Gold or the Silver is trading at when you enter your order into our system. You acknowledge that you cannot modify an order once placed and that orders may get executed at a price significantly unfavorable to you, depending upon market fluctuations.

Goldsikka may appoint Intermediaries and Distributors who shall assist us in distributing our products to you. Goldsikka shall communicate all the transaction details to you directly by means of emails, SMS and any other medium and it is your responsibility to ensure that you receive this communication. When you visit this website or send e-mails to us, you are communicating with us in electronically. You consent to receive communication from us electronically. We may communicate with you by one or more means of letters, e-mails, SMS or by posting notices on this website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy all legal requirements that such communications be in writing. Goldsikka shall not be responsible to you in the event of default or any wrongful, dishonest, criminal, fraudulent act or wilful misconduct or gross negligence on the part of these Intermediaries. However, you shall immediately inform Goldsikka on occurrence of such an event through e-mails/telephone/fax or any other convenient means. The activities of the Intermediaries and its personnel/ representative(s) shall not be construed to be activities of Goldsikka.

Any gold / silver lying in vault and advance balance is non transferrable unless specifically allowed by Goldsikka. However in case of death or insanity, Goldsikka shall transfer such gold / silver and advance balance to your legal heir(s) after the required due diligence and your legal heir(s) shall be regarded as the Registered User thereafter.

In case of inability of Goldsikka to make deliveries of physical bullion due to reasons beyond its control, Goldsikka may require that the deliveries be effectuated through specific modes including through local agents / jewelers. In such a case, you agree to bear any additional costs and fees necessary for the delivery to be complete.