Terms & Conditions

Last Updated: October 2026 | Governed by the laws of India

1. Introduction

Welcome to Ratnikaa (https://ratnikaa.com). By accessing, browsing, or purchasing from this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy and Shipping & Refund Policies.

2. Product Descriptions & Accuracy

We strive to ensure all jewelry images, crystal colors, and dimensions are depicted as accurately as possible. However, due to variations in monitor displays and natural lighting, minor color tone variations may occur. All dimensions, chain lengths, and stone sizes are approximate.

3. Pricing & Payments

All prices listed on Ratnikaa.com are in Indian Rupees (₹ INR) and are inclusive of applicable taxes unless stated otherwise. Payments are securely processed via certified, PCI-DSS compliant Indian payment gateways (including Razorpay, UPI, Credit/Debit cards, Net Banking, and select digital wallets). We reserve the right to modify prices without prior notice.

4. Intellectual Property

All content on this website, including but not limited to the brand name Ratnikaa, logos, curated jewelry photographs, graphic designs, product descriptions, and website layout, is the proprietary intellectual property of Ratnikaa and protected by Indian and international copyright laws.

5. Limitation of Liability

Ratnikaa shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our products or website. In all circumstances, our maximum aggregate liability shall be limited strictly to the amount paid for the specific product purchased.

6. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the competent courts in India.

7. Contact Information

For any questions regarding these Terms, please contact us at support@ratnikaa.com.