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  1. The Purchase Plan (hereinafter “Dental Plan” or the “Plan”) offered by 32INTACT HEALTHCARE PRIVATE LIMITED (“Dentist On Wheels”/the “Company”) facilitates Customers to purchase Dentist On Wheels Medical/Dental Services by making payments for the same over a eleven month period and the Customers will be entitled to avail certain discounts subject to these Terms and Conditions.
  2. Under this Plan, the Customer has to pay 11 (Eleven) fixed monthly instalments of a minimum of Rs. 199/- (Rupees One Hundred and Ninety Nine) or above. During the course of the 11 (Eleven) months, the Customer has to pay one instalment every month. More than one instalment in a single month will not be accepted. Except in case where customer opt to purchase plan by providing 100% upfront.
  3. Customer will have to make the payment of the instalment on the Due Date. For the purpose of this Plan, the Due Date shall be same date as the Enrolment Date for the subsequent months. However, the Customer shall be provided with a grace period of 7 (Seven) days in a month for payment of the instalment. In the event the Customer fails to pay the instalment within the grace period, the proportionate discount as offered herein shall be reduced.
  4. The Plan will mature after 366 (Three Hundred and Sixty Six) days from the Enrolment Date and the Customers will be eligible to redeem by availing dental services from the Company at the Dentist On Wheels Clinics. For the purpose of this Plan, the date of payment of first instalment shall be deemed as the Enrolment Date. The Customer is mandatorily required to redeem his/her account before the completion of 400 days from the Enrolment Date.
  5. The Customers would be eligible for a discount of 75% (Seventy Five percent) of one month’s instalment upon redemption, after the completion of 366 days from the Enrolment Date subject to the Customers having made the payment of all ten monthly instalments. If a Customer redeems before the completion of 366 (three hundred and sixty six) days but after the completion of 300 (Three Hundred) days, the Customer will be eligible for a discount ranging between 55% (Fifty Five percent) to 75% (Seventy Five percent) of one month instalment based on the number of days, and subject to the Customers having made the payment of all ten monthly instalments. For redemption after completion of 180 (One Hundred and Eighty) days but before completion of 300 (Three Hundred) days, Customer will be eligible for such prorated discount calculated based on the one month instalment, the number of days and the number of monthly instalments paid.
  6. The Customer will have the option to pre-close the Plan only if the Customer has paid a minimum of six monthly instalments and after completion of 180 days from the Enrolment Date. In the event of such pre-closure, customer may purchase jewellery at the Tanishq Store equal to the value of the instalments accumulated in his/her account as on that day. Alternatively, Customer may seek refund of the amount aggregating to the instalments paid by the Customer until the date of refund. The Customer will be provided with prorated discount voucher that the Customer can utilize to purchase jewellery from the Company for full value of the instalments paid. However, in the event the Customer has not paid the requisite minimum six monthly instalments, the Customer will not be eligible for any discount/discount voucher.
  7. In case the Customer does not redeem within 400 days, he/she will be refunded with the aggregate instalment amount paid by the Customer until the date of the refund. A discount voucher for the applicable discount amount will be provided which can be utilized only to purchase jewellery from the Company of a value that is equal to or greater than the full value of instalments paid.
  8. Refunds under the Plan, if any, will be made by way of cheque in the name of the account holder as specified in the Enrolment Form or by online transfer to the bank account as specified in the Enrolment Form, and no cash refund shall be permissible.
  9. Gold rate booked or charged on the invoice may vary city wise depending on the corporate gold rate applied by the Company. The rate of gold shall be based on the Company’s rate of gold prevailing on the date of purchase.
  10. Only individuals can enrol in to the Plan and enrolment is not permissible for other entities like companies, partnership firms or proprietorship concerns or Trusts or Hindu Undivided Family (HUF) or NRI Customers. Minors may enrol only through their natural guardians.
  11. Customers cannot enrol with his/her borrowed money.
  12. Enrolment may be through offline mode, i.e., at the Tanishq stores, or online by registering on the Golden Harvest website https://www.tanishqgoldenharvest.co.in or Golden Harvest Mobile Application.
  13. The Customer is required to provide a copy of his/her photo identity and address proof documents like Driving License/Voter ID/ Passport /Ration Card/PAN Card/any other document issued by the Government, bank account details, etc. at the time of enrolment.
  14. The Customer is required to register at https://www.tanishqgoldenharvest.co.in to manage his/her Golden Harvest Account. In case of any change in contact or address details or any other details that the Customer may have furnished, the Customer shall immediately contact customer care for effecting the changes. The Customer can however change the address details through the Golden Harvest website https://www.tanishqgoldenharvest.co.in or Golden Harvest Mobile Application as well, and any such modification made shall be subject to the satisfaction and discretion of Titan. The Customer should especially ensure that the name is as per the identity proof provided by the Customer, and not in any other name, including nickname or short forms and the bank account details and other details as provided in the Enrolment Form shall be accurate.
  15. Titan reserves right to verify the identity of the Customer by means of SMS and/or OTP generation or by any other means at any time including at the time of enrolment and at the time of concluding the purchase and taking the delivery of the jewellery. Titan also reserves the right to verify the authenticity of the documents provided by the Customer.
  16. At the time of enrolment, the Customer should ensure that, the Golden Harvest Enrolment Form is signed in the space provided, physically or electronically, as the case may be, accepting these terms and conditions.
  17. Payment of monthly instalment(s) may be made by cash, credit / debit cards, NEFT/ RTGS, local cheques in favour of “Titan Company Limited” payable in the city in where the Tanishq Store in which the account was opened is located, Standing Instruction or Automated Clearing House. International card for online payment will not be accepted. In case of cheque dishonour, the bank charges shall be borne by the Customers. Payments can be made at any of the Tanishq stores or through the Golden Harvest website https://www.tanishqgoldenharvest.co.in or Golden Harvest Mobile Application. Titan shall not be responsible for any online payment failure and money being debited from the Customer’s account. Customers are requested to check with their banks or other service providers for such payment failures. It is the responsibility of the account holder to enter details correctly.
  18. Receipt for payment made by Automated Clearing House (“ACH”) or Standing Instruction (“SI”) will be made only after clearance of payment. In case of ACH/SI enabled accounts, the Plan cannot be closed prior to maturity date unless the account holder has cancelled the ACH/SI by submitting the required forms to Titan. The Customer may ask for a computerized receipt, from any Tanishq Store.
  19. The Company or the Tanishq stores will not be responsible or liable to send reminders for payments.
  20. The accounts opened under this Plan are transferable between different locations of Tanishq Stores only. The transfer of account can be made only in the name of the original account holder as mentioned in the Enrolment Form and valid photo identity proof of such account holder should be produced at the transferee store. The Company reserves the right to satisfy the identity of the Customer in any manner it deems fit.
  21. At the time of purchase of jewellery, the account holder has to personally come and should produce a valid photo identity proof and PAN Card, if required under applicable law, and effect the redemption of the instalments paid towards purchase of jewellery. The Company reserves the right to satisfy the identity of the Customer in any manner it deems fit.
  22. In addition to the gold and stone charges, all jewellery purchased under the Golden Harvest will be subject to making charges, wastage charges, material charges, Goods and Services Tax, or any other surcharges, levies as may be applicable/ prevailing at the time of purchase.
  23. The Customer will have to purchase the jewellery for the total instalment amount paid and partial purchase is not allowed.
  24. The Customer may appoint a nominee at the time of enrolment upon submission of relevant documentation. In the event of death of the account holder, the amount is transferable by the Company only to the person(s) whose nomination has been filled by the account holder in the Enrolment Form at the time of opening the account subject to such nominee producing identity and address proof. In case the account holder does not nominate any person, any claim(s) made by any other person(s) on behalf of the account holder will not be entertained unless such person being a legal heir/duly authorised person claiming the benefits under the Plan, shall produce below documents to the Company:
    • Death certificate of the deceased.
    • Succession Certificate.
    • NOC from other surviving legal heir for redemption.
    • Indemnity undertaking to indemnify Titan from claims.
    • Will (if any)
    • Along with all other supporting documents and clarifications
  25. However, the decision of the Company shall be final on sufficiency of any document in all such cases above and the same shall be binding upon the claimants.
  26. The Company reserves the right to alter, amend, add or delete part or whole of the privileges of the Plan without prior notice to the account holder, as long as the same is not detrimental to the interests of the account holder.
  27. The Company is the operator of this Plan and reserves the right to suspend the Plan at any time. In any such event, the account holder may purchase any item at the Tanishq Store equal to the value of the instalments accumulated in his/her Golden Harvest account along with discounts accumulated, as on that day.
  28. The liability of the Company or its franchisee(s) or agents under Golden Harvest is limited to the extent of instalments/advances paid by the account holder(s) and the discount, as per the Plan and the terms and conditions contained herein, and thus does not lead to any other assurance or warranty whatsoever by the Company.
  29. Any conditions that are not explicitly covered above would be the discretion of the Company at the time of transaction/redemption. The decision of the Company in this regard would be deemed as irrevocable and final.
  30. Disputes if any will be subject to the Courts in Bangalore jurisdiction only, to the exclusion of any other court’s jurisdiction.
  31. In case of any change in existing laws, rules, Acts, etc. by any regulatory authority, the Company reserves the right to make such modifications/change/suspend/discontinue the Plan suitable to the change of law and necessary requirements as per the same have to be complied with by the account holder.
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