Terms & Conditions
In accordance with the Information Technology Act of 2000, its rules, and the revised sections of several legislation pertaining to electronic records as amended by the Act, this document is an electronic record. A computer system created this electronic document; no digital or physical signatures are needed.
Your use of the service is contingent upon your acceptance of and adherence to the terms and conditions listed below, so please read them carefully.
Please be aware that VALUABLEPLUS will never get in touch with you to ask for a password, PIN, CVV, or other security code, or to require payment in exchange for a photoshoot, franchise, distributorship, or financial reward. Please don't give out such private information to anyone else as it may result in fraudulent transactions. Additionally, kindly exercise caution while visiting phony websites, social media profiles, bogus offers, emails, WhatsApp messaging, SMS, and other questionable communications purporting to be from VALUABLEPLUS. Additionally, please utilize the specific link on our website, www.valuableplus.com, to send us an inquiry if you would like to create a store or preschool. Please visit our Contact Us area if you have any questions or to report any questionable activity that you may have noticed.
Registration and Account Information
Users agree to take responsibility for any activity that happens under their account or password, and they are responsible for keeping account and password credentials private. If a user fails to secure their password or account information, valuableplus.com will not be responsible for any loss or damage that may occur. Should you suspect a breach, please get in touch with us right once. Without causing any harm to valuableplus.com, we reserve the right to suspend your account or demand that you change your password if we have cause to suspect that there may have been misuse of the valuableplus.com site or security breach.
You also agree to:-
Provide truthful, accurate, current and complete information about yourself as required by valuableplus.com website during the registration procedure (such information being the "Registration Data")
Maintain and immediately update the Registration Data to keep it truthful, accurate, current and complete. If you provide any information that is untrue, inaccurate, incomplete, or not current or if valuableplus.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or not in accordance with the User Agreement, valuableplus.com will have the right to indefinitely suspend or terminate your membership and refuse to provide you with access to the Site.
Customers enrolled through overseas phone numbers can not get Club privileges at the valuableplus.com Stores.
Customers who register using overseas phone numbers are only eligible for online discounts, which are available via the website or app.
The firm reserves the right to alter, delete, or put on hold the offer and discount policy at any time. Any modifications will be made only at its discretion.
Typical Terms and Conditions:-
1. A Rs 199 convenience fee plus GST applicable to HDFC Bank Card EMI transactions. Even in the event of a cancellation or pre-closure, the convenience fee is not refundable.The charge slip, which will be uploaded ninety days after the transaction month's end, will bear the Brand CashBack logo.
2. A customer's eligibility for CashBack is contingent upon their mention on the charge slip. Loans will be scheduled for in-store transactions in accordance with the advertisements listed on the charge slip. It is suggested that customers keep their charge slips for 180 days.
3. If an EMI is canceled or pre-closed, cashback will not be issued. Regarding the availability, delivery, quality, merchantability, or suitability of the services that merchants under the EASYEMI Scheme are required to provide, HDFC Bank does not maintain any warranties or make any representations. In any case, HDFC Bank would not be held accountable for the same.
4. Accounts that are closed or permanently past due will not be eligible. Only accounts that are current and not past due at the time of posting will receive benefits. Only certain HDFC Bank credit cardholders with active credit cards issued in India are eligible for the EASYEMI Scheme. Certain corporate, purchase, and commercial credit cards do not provide the EASYEMI option. When using a credit card product without the EASYEMI option, all EASYEMI transactions will be fully charged to the card account.
5. The interest for the first EMI will be computed starting on the day the loan is booked and ending on the payment due date. Any questions about CashBack or merchant payback must be submitted 180 days after the transaction date.
6. Only credit cards with a "regular" status are eligible for EasyEMI. It cannot be applied to cards that have a block put on them because of things like payment due, reported lost cards, ongoing upgrades, etc. Any EASYEMI purchases made on these credit cards will be fully debited and become payable on the card account.
7. The consumer receives email or SMS updates on their EASYEMI booking status, such as successful or rejected. To find out the reason for the rejection, CM should give the PhoneBanking team a call. The consumer will be required to pay according to the statement in the event of refusal.
8. A few merchant websites and merchant stores offer the EASYEMI service, After the transaction date, the EASYEMI conversion will take at least 4 working days.
9. Merchants that fall under the Jewellery-related Merchant Category Codes (MCCs) assigned by Acquiring Banks are not eligible to use EASYEMI. Any transaction made at these merchants will not be converted by HDFC Bank, and any request for a conversion will be turned down in accordance with legal requirements.
10. When completing transactions at the merchant website or shop, EASYEMI must be used. This is not a process of backend conversion. When a merchant website offers HDFC Bank EASYEMI, the customer must choose the "HDFC Bank" EMI option and the necessary tenure on the merchant website's payment page. In the event that the cardholder did not select the "HDFC Bank" EMI option or if there are technical difficulties with the merchant's end that prevent the transaction from being sent to the Bank as an EMI, the Bank shall not be held accountable or liable for converting those transactions.
11. Before using your HDFC Bank credit card for a transaction at a merchant's physical location (a.k.a. POS transaction), please confirm with the store that the EASYEMI feature is available. Only swipes made on an HDFC Bank or Plutus swipe machine are eligible for EASYEMI in POS transactions. Before swiping the card, please make sure the retailer is aware of your intention to use HDFC Bank EASYEMI and the tenure selection. The EASYEMI duration, Transaction Amount, Merchant Payback, Loan Amount, EASYEMI Finance Charges (% on reducing debt every year), and EMI value will all be shown on the charge slip that is generated after the swipe. Kindly notify the merchant right once if the tenure is missing or appears incorrectly. When a merchant swipes incorrectly—for example, by using a different bank's swipe machine or by swiping as a regular transaction rather than an EASYEMI transaction—HDFC Bank is not held accountable. Additionally, the Bank is not responsible for changing these incorrect transactions to EASYEMI transactions on the back end.
12. Before signing the charge slip, please make sure you have read all of the terms and charges listed on it. If cardholders disagree with the terms or charges, they may request that the merchant cancel the transaction. The charge slip will be considered "customer consent" for EASYEMI terms, conditions, and charges by the bank once the merchant settles a transaction.
13. 'Merchant Payback' may be applied at some merchants. The relevant manufacturer or merchant, not the issuing bank, is providing this. The "Loan amount" in these circumstances will be the Transaction Amount minus the Merchant Payback amount. To compute EMI, the 'Loan Amount' will be subject to EASYEMI Finance Charges.
20. After the EASYEMI transaction has been completed, a change in tenure is not permitted.
14. The HDFC Bank credit card's credit limit will be blocked up to the total transaction amount. When the EMI is billed and paid for in the following months in accordance with the EMI plan, the credit limit will be freed.
15. The EMI debit must be paid by the Payment Due Date and will be included in the "Minimum Amount Due" as shown on the statement. Each EMI bill's interest component will be subject to service tax, education cess, and other taxes as periodically required by government rules.
16. In addition to these terms and conditions, all current merchant terms and conditions shall apply.
17. HDFC Bank alone has the authority to approve EASYEMI. There are specific tenures available for the EASYEMI plan. The HDFC Bank Credit Card customer must repay the purchase price, interest, and processing fees within the specified time frame.
18. By contacting HDFC Bank Credit Cards' round-the-clock customer care, the EMI plan may be prematurely terminated. There will be "preclosure interest charges" (where applicable). Any repayment made by the merchant at the time of loan booking will be deducted pro rata in the event of preclosure. The credit card account will not be closed as a result of any payment put into it that exceeds the EASYEMI, nor will it be considered payment towards the amount accessed through the EMI program. Without any notice, HDFC Bank retains the right to change the pre-payment fees at any time. The cardholder will be responsible for any changes made to the charges.
19. Customers can contact the 24-hour HDFC Bank Credit Card Customer Service line to opt out of monthly installment payments and cancel the EASYEMI transaction. Customers may only cancel if they give a call within four days of the transaction date. EMI debits will be credited upon cancellation, and convenience will not be reversed. The initial loan amount and merchant repayment will be fully debited (and become payable). An EASYEMI transaction that has been canceled on the card cannot be reversed.
20. If the minimum amount owed is not paid for three consecutive months, the EMI will be closed and the principal will remain unpaid. The interest for the days leading up to the closure and the pre-closure charges will be charged to the cardholder's credit card account and will show up in the monthly statement that follows. HDFC Bank has the right to request that the combined overdue amounts be paid back immediately.
21. Should the cardholder fall behind on payments, the EMI will be closed and the principle will remain unpaid. The interest for the days leading up to the closure as well as the pre-closing costs will be taken out of the cardholder's credit card account and will show up in the next month's statement. HDFC Bank has the right to request that the combined overdue amounts be paid back immediately.
22. The amount owed under the EASYEMI plan may be charged as a single transaction for the cardholder if the credit card is closed before all installments have been made. HDFC Bank has the right to request that the combined outstanding amount be paid back immediately.
23. HDFC Bank should be contacted with any questions or concerns about payments made using the EASYEMI option; retailers will not be held responsible in any way for these matters, If the EMI conversion occurs on the date of statement generation, the first installment will be billed in the following month.
Payment:-
When using any of the payment methods we provide, you understand and agree that we will not be held liable for any loss or harm that results from the decline, whether it be directly or indirectly caused by:
1. Non-authorization of any transaction, Exceeding the predetermined limit, as mutually agreed upon by you and your "Bank/s"
2. Payment problems resulting from the transaction, Transaction decline for any other reason.
All payments you make for goods or services on valuableplus.com must be paid in Indian Rupees, which are accepted by the Union of India. Regarding the purchases, valuableplus.com does not accept any other form of payment.
We may require supporting documentation (such as government-issued identification and proof of address) before mailing your order to you in order to verify that the payment method you used for the transaction is yours. We take this action to give our users a secure online buying experience.
Transactions and Refunds:-
Order Minimum
The minimum order value to place an order on FirstCry.com is Rs. 99 (not including shipping or COD fees, or amounts that are lowered after using coupons or other promotions).
Credit Card Information
By using this website, you agree, comprehend, and attest that the credit card information you supply will be true, accurate, and up to date. You are not allowed to use a credit card that you do not legally own. You also commit to giving us accurate and legitimate credit card information. We shall not use or disclose the card details to any third parties unless necessary for fraud investigations or as mandated by law, regulation, or court order. If there is any credit card fraud, we won't be held responsible. If a card is used fraudulently, you will be held responsible and will have the sole burden of proving otherwise.
Declined/fraudulent Transactions
We reserve the right to collect from the person(s) in question the cost of products, collection costs, and legal fees in the event of fraudulent use of the website. In the event that such person or persons use the Site fraudulently or engage in any other illegal activity or violate these terms and conditions, we retain the right to file a lawsuit against them.
Customer Cancellations
If we get a cancellation notification and we haven't shipped the order yet, we will cancel it and give you a full refund. Orders that we have already shipped out cannot be canceled; instead, you must review our return policy for those specific orders.
By valuableplus.com, cancellation
We might not be able to accept an order in some situations, in which case we would have to cancel it. We retain the right, in our sole discretion, to reject or cancel any order for any reason. Your order could be canceled for a variety of reasons, such as restrictions on the quantity you can buy, inaccurate information about the goods or price, or issues found by our credit and fraud avoidance department. Before approving any order, we could additionally want more information or confirmations.If your order is canceled in whole or in part, or if further information is needed to process it, we will get in touch with you. Your FirstCry account's "Cash Refund" area will be credited with the amount if you decide to cancel your order after your credit card has been charged. The consumer consents to accept our decision regarding the cancellation and not to contest it.
