Terms and Conditions
Last updated: [20th July, 2026]
1. Acceptance of Terms
These Terms and Conditions govern your access to the Krish Fincorp website and use of our gold and silver valuation, pledged-gold assistance, doorstep-service and related facilities.
By using the website, submitting an enquiry, booking an appointment or using our services, you agree to these Terms and Conditions and our Privacy Policy.
If you do not agree, please do not use the website or submit personal information.
2. About Krish Fincorp
Krish Fincorp – Easy Money Gold provides gold and silver assessment and purchase services, pledged-jewellery release assistance and eligible doorstep services.
Krish Fincorp is a unit of:
P.S.R. Thangamaaligai Private Limited
Registered address: [Insert complete registered address]
CIN/GST/registration details: [Insert verified details]
Unless separately stated and legally authorised, Krish Fincorp does not provide gold loans, banking services or investment advice.
3. Eligibility
To use our transaction services, you must:
Be at least 18 years old
Be legally competent to enter a transaction
Be the lawful owner of the jewellery or properly authorised by its owner
Provide accurate and complete information
Complete required identity and ownership verification
Not use our service for unlawful, stolen, disputed or unauthorised property
We may refuse or pause a transaction when ownership, identity, documentation or legality cannot be satisfactorily established.
4. Website Information
Website content is provided for general information and service enquiries.
Although we try to keep information current, we do not guarantee that all content will always be complete, error-free or continuously available.
Information shown on the website does not constitute:
A binding purchase offer
A guaranteed gold value
Financial or investment advice
A loan approval
A guaranteed pledged-gold release
A promise of immediate payment in every circumstance
5. Gold and Silver Rates
Gold and silver prices can change frequently.
Rates displayed on the website:
May be updated at specific times
May come from an identified benchmark or authorised source
May be indicative
May expire or change without prior notice
May differ from jewellery retail prices
Do not include value for stones or non-metal components unless stated
The applicable transaction rate is the rate confirmed by Krish Fincorp at the time of final valuation and acceptance.
6. “3% Higher Value” Offer
Any statement that Krish Fincorp offers “3% higher value” or a similar promotional benefit is subject to the published offer terms.
The offer may depend on:
The named benchmark rate
Offer validity period
Verified purity
Net recoverable gold weight
Type and quantity of jewellery
Testing or refining results
Excluded materials
Minimum or maximum transaction conditions
Other published promotional requirements
The promotion is not an unconditional guarantee that every customer will receive 3% more than every market, jeweller or advertised rate.
The final formula and offer terms should be displayed near every promotional claim.
7. Valuation Process
Gold and silver valuation may consider:
Gross weight
Net precious-metal weight
Tested purity
Karat or fineness
Stones, beads, lac, solder and non-metal components
Recoverable precious-metal content
Applicable market-linked rate
Testing or refining results
Authorised deductions, if any
The valuation is explained before a transaction is completed.
Online calculators, telephone estimates, photographs and customer-declared weights are indicative only. Final value can be determined only after physical examination and testing.
8. Purity Testing, Melting and Refining
Initial testing may include non-destructive methods where appropriate.
If melting, refining, cutting, stone removal or another irreversible process is required:
The process will be explained
Customer consent must be obtained
The relevant item and weight should be documented
Final purity and recoverable weight may change after processing
Once an irreversible procedure has been completed with informed authorization, the jewellery may not be capable of restoration to its original form.
9. Customer Ownership and Authorization
By presenting jewellery for valuation or sale, you confirm that:
You lawfully own it or have valid authority from the owner
It is not stolen or unlawfully acquired
It is not subject to an undisclosed dispute, claim or restriction
The information and documents you provide are genuine
You have disclosed any pledge, lien or third-party interest
We may ask for additional ownership proof or decline the transaction when reasonable doubts arise.
10. Documents and KYC
Customers may be required to provide:
Government-issued photo ID
Address proof
PAN details, where applicable
Bank account information
Purchase bill, if available
Ownership or authorization proof
Pledge receipt and lender statement
Other documents required by law or internal compliance procedures
Submitting an enquiry does not remove the requirement to complete KYC before a transaction.
11. Payment and Settlement
Payment is made only after:
Identity and ownership verification
Completion of required testing
Confirmation of final value
Customer acceptance
Execution of required documents
Compliance approval
Available settlement methods may include bank transfer, UPI, cheque or another lawful mode.
“Instant payment” means that payment is initiated promptly after all requirements are completed. Actual credit time may depend on banking systems, technical availability, transaction limits and compliance checks.
Applicable Indian tax law restricts certain high-value cash transactions; Krish Fincorp may require a bank or electronic settlement method depending on the transaction. Income Tax Department
12. Pledged-Gold Release Assistance
Krish Fincorp may assist customers seeking to recover jewellery pledged with a bank, NBFC, pawn broker or another eligible pledge holder.
The service is subject to:
Customer identity and ownership verification
Valid pledge documents
Confirmation of the outstanding amount
The pledge holder’s rules
Customer presence or authorization
Final recovery of the jewellery
Physical testing and valuation
Krish Fincorp’s acceptance of the transaction
Preliminary estimates do not guarantee that the pledged jewellery will be released or that its value will exceed the outstanding amount.
The final balance, if any, is determined only after the pledge is settled, the jewellery is recovered and a final valuation is accepted.
Krish Fincorp does not control a third-party lender’s timing, charges, documentation requirements or decision.
13. Doorstep Service
Doorstep service is subject to:
Serviceable location
Appointment availability
Customer and jewellery eligibility
Identity and address verification
Safety and operational requirements
Minimum transaction conditions, if applicable
We may reschedule or decline a visit where the address, service request or circumstances cannot be safely verified.
Customers should:
Verify the executive’s identity
Use the official appointment reference
Keep jewellery in their presence during assessment
Never disclose banking passwords, PINs or OTPs
Obtain a receipt before permitting authorised removal of jewellery
Any jewellery taken for approved branch or refinery testing must be documented through an acknowledgement or receipt.
14. Appointments and Cancellations
Appointments are requests until confirmed by Krish Fincorp.
You may cancel or reschedule by contacting 99448 09944.
Please notify us as early as possible if you are unavailable. Repeated false bookings, unsafe conduct or misuse of the appointment facility may result in refusal of future doorstep service.
Krish Fincorp may reschedule appointments because of staff availability, weather, traffic, security concerns, technical issues or other reasonable circumstances.
15. Refusal or Suspension of Service
We may decline, suspend or cancel a service when:
Information or documentation is inaccurate
Ownership is disputed
Fraud or unlawful activity is suspected
The jewellery appears stolen or tampered with
The customer is under 18
Safety cannot be reasonably ensured
Required consent is not provided
Legal or compliance requirements cannot be completed
The service is unavailable in the requested location
The customer behaves abusively or threatens staff
Where appropriate, suspicious matters may be reported to the relevant authorities.
16. Prohibited Use
You must not:
Submit false information
Impersonate another person
Present stolen or unauthorised jewellery
Interfere with website security
Upload malware or harmful code
Attempt unauthorised access
Copy website content for misleading commercial use
Make false bookings
Harass staff or representatives
Use the service for money laundering, fraud or other unlawful activity
17. Intellectual Property
The website design, content, photographs, graphics, logo, brand name and other materials are owned by or licensed to Krish Fincorp or P.S.R. Thangamaaligai Private Limited.
You may view the website for personal, non-commercial use. You may not reproduce, modify, republish, sell or commercially exploit website material without written permission.
18. Third-Party Services and Links
Our website may link to Google Maps, WhatsApp, social media, payment providers or third-party websites.
We do not control and are not responsible for their content, availability, terms or privacy practices.
Your use of a third-party service is governed by that provider’s terms.
19. Disclaimer and Limitation of Liability
To the extent permitted by applicable law:
Website estimates are not guaranteed final values
Gold and silver prices may change without notice
We are not responsible for lender-controlled delays
We are not responsible for bank or payment-network processing delays
We do not guarantee uninterrupted website access
We are not liable for loss caused by inaccurate information provided by the customer
We are not responsible for fraudulent persons falsely claiming to represent Krish Fincorp
Nothing in these Terms excludes liability that cannot legally be excluded, including rights available under applicable consumer-protection law.
20. Indemnity
To the extent permitted by law, you agree to compensate Krish Fincorp for losses, claims or expenses resulting from:
False ownership claims
Fraudulent or unlawful jewellery
Forged or misleading documents
Your breach of these Terms
Your violation of another person’s rights
This provision does not limit your statutory consumer rights.
21. Complaints and Dispute Resolution
If you have a complaint, contact us first so we can attempt to resolve it.
Grievance Contact: [Name/designation]
Email: [grievance@krish-fincorp.com]
Phone: 99448 09944
Address: [Complete address]
The parties should first attempt to resolve a dispute through good-faith discussion.
Any arbitration clause should be added only after review by the company’s legal adviser.
22. Governing Law and Jurisdiction
These Terms are governed by the laws of India.
Subject to applicable consumer-protection rights and any legally required forum, disputes will be subject to the jurisdiction of the competent courts at [Chennai/Karaikal—confirm with legal adviser].
23. Changes to These Terms
We may update these Terms to reflect changes in our services, offers, business practices or legal requirements.
Updated Terms will be published on this page with a revised “Last updated” date. Continued use after publication constitutes acceptance to the extent permitted by law.
24. Contact Information
Krish Fincorp – Easy Money Gold
A unit of P.S.R. Thangamaaligai Private Limited
Email: info@krish-fincorp.com
Telephone: 99448 09944
