{"product_id":"10-tola-psl-silver-bar","title":"10 Tola PSL Silver Bar","description":"\u003ch3 class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003eTERMS AND CONDITIONS\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cstrong\u003e\u003cspan lang=\"en-PK\"\u003e1. Customer Identification (KYC\/AML Compliance):\u003cbr\u003e\u003c\/span\u003e\u003c\/strong\u003e\u003cspan lang=\"en-PK\"\u003eA valid Computerized National Identity Card (CNIC) and National Tax Number (NTN) shall be mandatory for all transactions, in compliance with applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. Almas Jewellers reserves the right to request additional documentation or refuse any transaction where compliance requirements are not met.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan lang=\"en-PK\"\u003e\u003cspan lang=\"en-PK\" style=\"font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: #0C00; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\"\u003e\u003cstrong\u003e2. Payment Methods:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003ePayments may be made via cash, bank transfer, cheque, or credit\/debit cards. Any applicable banking or transaction charges imposed by financial institutions shall be borne by the customer.\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e\u003cspan lang=\"en-PK\" style=\"font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: #0C00; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\"\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e3. Taxes and Charges:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eAll applicable taxes and duties shall be charged in accordance with the prevailing laws of Pakistan and relevant Statutory Regulatory Orders (SROs), and shall be clearly itemized on the invoice. These may include:\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e(a) General Sales Tax (GST): Currently applicable at 18% or as notified by law.\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e(b) Sindh Sales Tax (SST): Applicable on services, including online or card-based transactions, at prevailing rates (currently 3%, where applicable).\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e(c) Withholding Tax (WHT): Applicable on purchase transactions as per tax status:\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e(i) 1% for filer individuals\/companies.\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e(ii) 2% for non-filer individuals\/companies.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003eor as prescribed under current law\/SRO.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e(d) Bank\/Payment Processing Charges: Up to 5.5% or as charged by the respective bank for card-based transactions.\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e(e) Service\/Handling Charges: Any applicable service or processing charges shall be communicated prior to completion of the transaction.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e4. Buyback Policy:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eAlmas Jewellers offers a buyback facility for gold bars strictly at the prevailing market rate at the time of return, subject to applicable deductions and verification. The original sales receipt must be presented.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e5. Collection and Delivery:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eGold bars purchased online must be collected in person by the purchaser. Delivery services are not available. Risk and ownership shall transfer to the customer upon physical handover.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e6. Market Risk Disclaimer:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eGold prices are subject to market fluctuations. Almas Jewellers shall not be liable for any loss or variation in value after completion of the transaction.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e7. Ownership and Legality Declaration:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eThe seller hereby warrants that any gold bar sold to Almas Jewellers is their lawful property, free from any lien, charge, encumbrance, or third-party claim, and is not derived from any illegal or unlawful activity.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e8. Compliance and Verification Rights:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eAlmas Jewellers reserves the right to verify customer identity, source of funds, and transaction details, and to suspend or cancel any transaction in case of suspicion or regulatory requirement.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e9. No Discount Policy:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eReward vouchers, promotional discounts, or special offers shall not be applicable to gold bar transactions unless expressly stated in writing.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e10. Limitation of Liability:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eAlmas Jewellers shall not be liable for any indirect, incidental, or consequential loss, except where such loss arises due to proven negligence or willful misconduct.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e11. Force Majeure:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eThe company shall not be liable for any delay or failure in performance due to events beyond its reasonable control, including but not limited to natural disasters, government actions, market disruptions, or system failures.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e12. Amendments:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eAlmas Jewellers reserves the right to amend these Terms and Conditions at any time. Updated terms shall apply to all transactions conducted after such revision.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e13. Governing Law and Jurisdiction:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003eThese Terms and Conditions shall be governed by the laws of Pakistan. The courts at Karachi shall have exclusive jurisdiction over any disputes.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cspan lang=\"en-PK\"\u003e\u003cstrong\u003e14. Dispute Resolution:\u003c\/strong\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan lang=\"en-PK\"\u003e\u003cspan lang=\"en-PK\" style=\"font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: #0C00; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\"\u003eAny dispute arising out of or in connection with these Terms shall be resolved through arbitration in accordance with the Arbitration Act, 1940.\u003c\/span\u003e\u003c\/span\u003e\u003c\/p\u003e","brand":"Almas Jewellers","offers":[{"title":"Default Title","offer_id":51741979902269,"sku":null,"price":110080.0,"currency_code":"PKR","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0766\/4717\/0365\/files\/10TOLAPSL.jpg?v=1779362856","url":"https:\/\/almasjewelers.com\/products\/10-tola-psl-silver-bar","provider":"Almas Jewellers","version":"1.0","type":"link"}