Terms of Service

By accessing or using any part of the Virabha platform (the “Platform”), including its website, mobile application, or APIs, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must not use the Platform.

You must be at least 18 years of age and a resident of India to use the Platform and transact on it. By registering, you represent that you have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872.

Corporate entities and non-resident Indians may use the Platform subject to additional KYC and regulatory requirements that will be communicated to you during onboarding.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at grievance@virabha.com of any unauthorised use of your account.

Virabha is not liable for losses arising from your failure to protect your credentials or from your authorising another person to access your account.

The Platform facilitates the purchase, sale, and storage of (a) physical jewellery and bullion (coins and bars), and (b) digital gold and silver units backed by physical metal held by a third-party custodian.

Digital gold and digital silver are not regulated financial securities. Please read the Risk Disclosure and Custody and Storage documents before transacting in digital metals.

Product prices displayed are inclusive of applicable GST. Live gold and silver rates are shown at the prevailing market rate and are exclusive of GST; applicable GST, making charges, and wastage are added to your order total at checkout. Metal prices are linked to live market rates and are locked for a limited window upon checkout as described in our Refund Policy.

Virabha reserves the right to cancel orders in the event of pricing errors, payment failures, or stock unavailability, with a full refund issued to the original payment method.

Accepted payment methods include UPI, credit and debit cards, net banking, and wallets, subject to the terms of the applicable payment processor. Payments are processed by third-party providers;Virabha does not store full card details on its servers.

Physical goods are shipped within India only. Estimated delivery windows are provided at checkout and are indicative, not contractual. Virabha is not responsible for delays caused by third-party logistics partners, customs, or force-majeure events.

Risk of loss and title for physical goods passes to you upon dispatch from our warehouse. Please inspect all deliveries on receipt and report discrepancies within 48 hours of delivery.

Return and refund eligibility varies by product category and circumstances. Please refer to the full Refund Policy for complete details, including treatment of digital gold/silver redemptions, chargebacks, and platform-failure scenarios.

Digital metal units represent fractional ownership of physical gold or silver held by a third-party custodian. These units are not equity, debt, or any form of regulated security under SEBI, RBI, or IRDAI frameworks.

You bear the full risk of price movements. Custodial, storage, and redemption terms are set out in the Custody and Storage policy and are subject to change based on arrangements with the custodian.

An account with no login, order, or transaction activity for a continuous period of 24 months shall be deemed dormant. Virabha will notify you via registered email 30 days before dormancy status is applied.

Dormant accounts may have platform features restricted until reactivation via identity verification. Digital metal holdings in dormant accounts will continue to be held by the custodian but will be inaccessible through the Platform until the account is reactivated.

Unclaimed wallet balances or physical redemption credits that remain dormant for seven or more continuous years may be subject to applicable Indian law on unclaimed assets, including transfer to designated authorities as required by statute.

All content on the Platform — including text, images, logos, design elements, and software — is owned by or licensed to Virabha You may not reproduce, redistribute, frame, or create derivative works from Platform content without prior written consent.

• Misrepresenting your identity or using another person’s account without authorisation.
• Using the Platform for money laundering, fraud, or any purpose unlawful under Indian law.
• Circumventing security measures or attempting unauthorised access to any part of the Platform or its backend systems.
• Engaging in market manipulation or artificial price movement on digital metal transactions.
• Automated scraping or bulk harvesting of Platform data without prior written consent from Virabha.

The Platform is provided “as is” without warranty of any kind. Virabha disclaims all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

To the fullest extent permitted by Indian law, Virabha’s aggregate liability for any claim arising from your use of the Platform shall not exceed the total amount you paid for the specific transaction giving rise to the claim in the six months preceding the event.

Virabha is not liable for indirect, incidental, special, or consequential damages, including lost profits, data loss, or business interruption, even if advised of the possibility of such damages.

You agree to indemnify and hold harmless Virabha and its officers, directors, employees, and agents from any claim, damage, loss, or expense (including reasonable legal fees) arising from your violation of these Terms or any applicable law.

These Terms are governed by the laws of India. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located at the seat specified below.

Before initiating formal legal proceedings, you agree to attempt good-faith resolution through our grievance redressal mechanism as described in Section 15 below.

Virabha may update these Terms at any time. Material changes will be notified via email or Platform notification at least 14 days before they take effect. Continued use of the Platform after the effective date of revised Terms constitutes your acceptance.

If you have any concern regarding these Terms or our practices, please contact our Grievance Officer using the details in the sidebar, or file a formal grievance at the Grievance page. We are required to acknowledge all grievances within 48 hours and resolve them within 7 working days.