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Terms & Conditions

Use of Website:

By using this website, you give your consent to the website owner that you are legally entitled to do so and the information you provide on the website is 100% true. You are also deemed to give your consent to make use of the information made available by you via the website for contact and promotional purposes.

Trademarks & Watermarks:
Please note that all the trademarks, logos, images, videos, banners or service marks are shown on this website (collectively termed as Trademarks") are registered or unregistered trademarks of the website owner. Nothing contained on this website should be constructed/re-constructed or should be granted as a license to use any trademark without prior written permission from the website owner.

Third Party Advertisements & Links:
At times during your stay at, you may find third-party ads, banners or links by clicking which, you may be re-directed to another website. Please note that they are beyond the website owner's control and we do not make any kind of representation as to their content. Relying on any such links, promotions or advertisements thereon is solely at your own risk.

Our pricing is based on the current domestic market values of the products and services offered through our website in the Indian market in order to give you the best value for your money. The prices may change from time to time, depending upon the fluctuations in these values, so our prices change as well.
Prices on are subject to change without prior notice. Please expect to be charged the price for the GemsRatna items you buy as it is listed on the day of purchase.

Policies regarding the product and shopping:
The products & categories available at are either our own exclusive inventory or from one of our import vendors. They cannot be claimed to be possession of any site visitor just by the given looks or dimensions. Being natural products, there can/cannot be two or more than two identical products.

Do note that the categories or products shown or displayed as 'Sample' on the site are only to provide the product aspect understanding. The end product would be of similar aspects, however, might never be same as shown in Samples.

Quality of a product listed on the website is determined by our in-house Gemstone Experts. Quality parameters may vary from seller to seller based on the experts' knowledge and observations. There is no uniform standard quality measure for coloured gemstones till date.

Origin of Gemstones: Please also be informed that the origin of gemstones mentioned on our website is based on the personal observations of our in-house gemstone experts. They may or may not vary when checked from another testing laboratory. We mention the origin of a stone only if our gemstone experts are sure about it. Hence, if you buy a gemstone where the origin is mentioned in the product description or specifications section, then we take its complete responsibility and in case, another lab finds the gemstone NOT from the origin specified by, we will take the product back and will refund your entire money including the shipping fee (to and fro). 

As a matter of fact, please note that Not all gemstones testing labs would mention the origin on the certificate or the card they provide. Even the best of labs across the globe like - GIA, IGI, GRS, etc might also mention the Origin in 5 out of every 10 certificates, however, the charges for testing would remain same (irrespective of whether they mention the origin on the certificate or not). Hence, getting your gemstone's origin tested from any lab is solely at your risk. 

Shipping Policy:
Shipping means the process of dispatching and delivering of the products you order from the website. We ship our products through our trusted courier partners (undisclosed) depending on their service availability in your city or country.

Worldwide Shipping:

We can deliver our products anywhere in the world.

Domestic (within India): Free Shipping is available within India for order value of more than Rs 2,500. We charge a nominal shipping fee for order value of up to Rs 2,500.

International (outside India):

Free International shipping (through Government Postal Departments) on order value more than INR 30,000 (approx. USD 465.00 as on 15-Oct-2017).

Free Express International shipping (through reputed private carriers such as FedEx, UPS, DTDC, etc) on order value more than INR 50,000 (approx. USD 775.00 as on 15-Oct-2017).

For Orders less than INR 30,000 (approx. USD 465.00 as on 15-Oct-2017), we provide Express, Normal and Registered Parcel services at subsidized rates for International customers.

Customs Duty Charges:
Please note that all International shipments (i.e. deliveries outside India) might warrant a Customs Duty fee, GST / CST or VAT as per the rules prevailing in the country/nation where the products are being delivered. In general, this fee varies from 1% to 15% of the order value. All such charges shall be borne by the customer. The company would not be liable or responsible to pay full or part of these fees.
We suggest that you contact your local customs body in your country to check the applicable customs fee before ordering the items.

Packaging & Insurance:
All our shipments are packed in very high standard airtight packages with proper care and precautions depending on the nature & delicacy of product purchased. In addition, our shipments are insured and we take full responsibility in the case, any shipment is declared as Lost or Misplaced in transit by the courier company in writing.

Dispatch & Delivery TAT:
GemsRatna products are usually dispatched within 1 to 7 business days (unless specified otherwise) from the order date. Deliveries are done within 3-5 business days within India and within 10-15 business days outside India. [In case of International Express shipments, the delivery can be done within 5 business days].
*Jewellery Items: Note that above mentioned TAT is not applicable for orders containing Jewellery items like - rings, pendants or bracelets. For Jewellery items, we need additional 5 to 15 business days depending on the metal & design.

Shipping reimbursement:
The shipping or handling charges whether paid by the customer or by the Company, while placing the order online, shall not be refundable in case of return of the order. Only the product fee will be refunded to the customer after deducting the applicable shipping and handling fee."

Return & Replacement Policy:
GemsRatna provides an easy and customer friendly 15-days return and replacement policy for all loose gemstones & jewellery items.

Refund: Refund is applicable only on loose gemstones purchased from if returned within 15 days from the date of delivery to the customer as per the courier delivery proof.
Once the returned goods are received at our warehouse, the quality checking team will inspect the items and all the supporting documents. Please ensure that the returned product(s) are not damaged or distorted and also that you include all the documents including the Lab certificates, Discount coupons, along with the original packaging while returning the products. In absence of any of these, company may deduct the applicable charges for the missing item.

Refund shall be processed through the same mode of payment which was used by the customer while placing the order online. The refund shall be processed within 7 working days from the date of receipt of the returned goods at our warehouse. In case of Cash payment (COD or Manual delivery), the refund shall be provided to the customer's bank account.

Following gemstones are not eligible for a Refund due to their delicate and soft nature: Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber and Beryls. However, they can be replaced with another gemstone after 15% deduction in the returned product value.

All other gemstones are eligible for 100% refund of the product value provided all the above mentioned criteria are matched.

All the products sold at are eligible for a replacement if returned within 15 days from the date of delivery of the product as per the courier delivery proof.

Following is the slab of value eligible for replacement:
Loose gemstones (except - Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber and Beryls) : 100% of the product value.

Loose Corals (Red or White), Pearls, Opals, Moonstones, Emeralds, Turquoise, Amber and Beryls : 85% of the product value.

Gemstones studded in a jewellery item (like - ring, pendant, earring or a bracelet) made by 75% of the product value.

Gemstones studded in an outsider jewellery item (like - ring, pendant, earring or a bracelet) : 50% of the product value.

Return Shipping Fee:
All the charges related to the return shipment including but not limited to shipping fee, shall be borne completely by the customer. For international returns (returns from outside India), in addition to the shipping fee, the customs / import duty charges, GST or VAT shall also be borne by the customer.

Statutory Warning:
We suggest NOT to write or mention 'GemsRatna' or any word(s) related to gemstones on the outer package while returning the items to us because this might attract the unwanted attention of thieves or mischiefs. You may simply write 'Astrological Product' on the outer package and instead of using the brand name 'GemsRatna', you may write our company name i.e. 'Agama SAR Retail Private Limited' in the address. "

Disclaimer of liability:
The website owner shall not be responsible for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any products sold by the website owner, any information contained on the website, your or your company's personal information or material and information transmitted over our system. In particular, neither the website owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

Disclaimer for Recommendations/Consultations:

We are the seller of natural gemstones which may or may not suit every individual. We have astrologers associated with our firm who can suggest or guide our customers about suitable gemstones based on the astrological observations and studies. You may please note that the astrological recommendations, suggestions or consultations are purely based on the past experiences and observations of scholars in the field of astrology, however, 'Astrology' is not a definite science and cannot predict 100% accurate results or solutions. Therefore, the company or the associated astrologers shall not be liable in any case, for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company). Following our suggestions shall be solely at your own risk and faith. 

We, as a seller, shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.

Note: As per the current guidelines mandated by the Government of India, a customer has to provide the Permanent Account Number (PAN) for all purchases above INR 2 lakh. [These rules keeps on changing and updating. ]

Conflict in Terms:
"If there is a conflict or contradiction between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.
Any provision of any relevant terms and conditions, policies and notices, which is or becomes unenforceable in any jurisdiction, whether due to being void, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as void and the remaining provisions of any relevant terms and conditions, policies and notices shall remain in full force and effect.

Governing Laws:
Use of this website shall in all respects be governed by the Court of Laws of the National Capital Territory of Delhi, regardless of the laws that might be applicable under principles of conflicts of law. The parties agree that the courts located in India country, NCT of Delhi, shall have exclusive jurisdiction over all controversies arising under this agreement and agree that venue is proper in those courts.

Other Conditions:
Any other terms & conditions apart from the above mentioned ones shall be referred to the website owner directly via the customer service team. The decision of website Owner would be final in any case. You may direct your questions to


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