Terms and Conditions

  1. The deposit amount will be treated purely as advance against sales in any circumstance.
  2. To avail special discount members should pay advances regularly.
  3. Discounted advance will be given on regular payment as per the enrollment dates.
  4. The payment is to be done in between (1-15)every month or(15-30)every month according to the enrollment dates.
  5. No discounted advance and smart rewards to premature plans.
  6. For maturity the time period has to be completed i.e. 10+1 month.
  7. Please note that purchase of gold coins and bars,silver coins and silver bars are excluded from the “SBJ Advance Plan “.
  8. The advance plan is to redeemed Compulsory within 30 days from the date of Maturity.
  9. Redemption : You need a minimum of 1000 smart rewards to redeem it for the purpose of redemption, 1 smart rewards will be equal in value to Rs.1 smart rewards will be given on only cash purchase and on gold ornament only.
  10. No member will be able to earn the points once the plan maturity is over with the same membership number.
  11. Smart Rewards limit Diamond (10000)=SR-15000,Ruby (5000)=SR-7500,Emerald (3000)=SR-4500.
  12. If any cheque returns,charges Rs.250/-to be bared by the member only.
  13. In case of special approval for premature plan 5 % or Rs.500 (Which ever is higher ) of total balance amount will be deducted as administration charges and only ornament have to be taken (No cash refund)
  14. If your transactions will qualify for inclusion in the “SBJ Advance Plan “ rewards period only if you have been made on presentation of your Membership Card, at designated outlets. Any transaction you make which does not fulfill all these criteria will not be credited to your account, smart rewards card compulsory at the time of purchase only.
  15. If any member introduce new member then he/she will get special extra rewards for Diamond Plan =SR-500, Ruby Plan =SR-300, Emerald Plan =SR-100.
  16. By signing the Enrolment Form, you agree that you have read these Terms & Conditions that govern the “SBJ Advance Plan “,and that you accept them.
  17. All disputes rights are reserved with the management SBJ.