Shrinika Diamonds

Effective Date: 21 November 2025

Shrinika Diamonds (“Company”, “we”, “our”) maintains a zero-tolerance policy against fraud, manipulation, misuse, chargeback abuse, and any unlawful activity related to high-value transactions involving diamonds, gold, gemstones, and luxury jewellery.

This Policy is legally enforceable under Indian law and forms an integral part of our Terms & Conditions, Privacy Policy, and all transactional agreements.

By engaging with us (online, in-store, WhatsApp, Instagram, or any platform), the Customer (“you”) agrees to be strictly bound by this Anti-Fraud & Risk Management Policy.

1. Legal Basis & Enforcement Authority

This Policy is enforceable under the following Indian laws:

1.1 Indian Penal Code (IPC)

  • Section 415/420 – Cheating & dishonestly inducing delivery of property

  • Section 463/465/468/471 – Forgery, falsification, use of forged documents

  • Section 406/409 – Criminal breach of trust

  • Section 120B – Criminal conspiracy

  • Section 378/379 – Theft of property

  • Section 403 – Dishonest misappropriation

1.2 Information Technology Act, 2000

  • Section 43 – Tampering with electronic information

  • Section 66C – Identity theft

  • Section 66D – Impersonation, online cheating

  • Section 72 – Breach of confidentiality

1.3 Consumer Protection Act, 2019

  • Section 21 – Misleading claims

  • Section 2(47) – Unfair trade practices

  • Section 2(28) – False representation

1.4 Indian Contract Act, 1872

  • Section 17 – Fraud

  • Section 18 – Misrepresentation

  • Section 73/74 – Compensation for breach

Shrinika Diamonds reserves the right to legally prosecute offenders under any of the above applicable acts.

2. Zero-Tolerance Fraud Policy

The following actions constitute fraud and will lead to immediate legal action, order cancellation, blacklisting, and claim rejection:

  1. Providing false identity or forged documents

  2. Fake damage or defect claims

  3. False “empty box”, “missing item”, “wrong product” claims

  4. Tampering with seals, packaging, or certification

  5. Attempting to return counterfeit, altered, or substituted jewellery

  6. Chargeback fraud (requesting bank reversal after receiving product)

  7. Manipulating social media screenshots or payment proofs

  8. Using stolen payment credentials

  9. Claiming non-delivery despite courier logs proving delivery

  10. Creating fake complaints to obtain refunds

  11. Abusing customer support to extort compensation

  12. Attempting to switch stones, remove diamonds, or alter jewellery

  13. Tampering with certification numbers

  14. Replacing original diamonds with lab-grown or synthetic alternatives

These acts fall under criminal fraud under IPC 420/468/471.

3. Identification & Verification Protocols

Shrinika Diamonds reserves the right to perform:

  • Government ID verification

  • Address verification

  • Phone & email verification

  • Payment source verification

  • Video KYC for high-value orders

  • Signature verification at delivery

  • OTP-based delivery confirmation

  • IP address monitoring and logging

  • Behavioural fraud checks

Orders failing verification may be:

✔ Cancelled
✔ Withheld
✔ Reported to authorities
✔ Subject to KYC re-verification

4. Digital Surveillance & Evidence Collection

Under Section 85 of the IT Act, Shrinika Diamonds lawfully records and maintains:

  • IP logs

  • Device IDs / browser metadata

  • Order timestamps

  • Chat logs (WhatsApp, website, Instagram)

  • Email correspondence

  • Payment logs

  • CCTV footage at packaging & dispatch

  • Weight logs & certification numbers

  • Delivery OTP, signature, and geolocation

  • Tamper-proof seal numbers

  • Call logs (where permitted by law)

These records are admissible as evidence in civil and criminal proceedings.

5. Mandatory Unboxing Video Requirement (Legal Standard)

For ANY claim of:

  • Damage

  • Defect

  • Missing items

  • Wrong item

  • Broken seal

  • Tampered packaging

the Customer must provide:

✔ A single, continuous, unedited unboxing video

The video must clearly show:

  • Outer box

  • All sides of the sealed package

  • Tamper-evident seals

  • Opening of the box

  • Product and certificate

Claims without proper video evidence are declared invalid under:

  • Section 17 (fraud)

  • Section 21 Consumer Protection Act (false claims)

Shrinika Diamonds’ decision on video validity is final.

6. Forensic Quality Verification (Strict)

Returned jewellery undergoes:

  • Diamond tester authentication

  • 10x–40x magnification scrutiny

  • Weight comparison

  • Gold purity (XRF) scanning

  • Certification number verification

  • Tamper mark analysis

  • Stone placement check

  • Laser inscription verification (if applicable)

If ANY discrepancy is found:

❗ The item is returned back to the customer immediately

❗ No refund or exchange permitted

❗ Legal action will be initiated

This is fully enforceable under IPC Sections 406, 420, 468.

7. Chargeback Fraud Protection

Shrinika Diamonds implements aggressive anti–chargeback measures.

If a Customer initiates a fraudulent chargeback:

  • All digital evidence will be submitted to the bank, NPCI, and authorities

  • Customer will be immediately blacklisted

  • Civil & criminal legal action will be initiated

  • Order, videos, courier logs, and device IDs will be submitted as evidence

Chargeback fraud is punishable under IPC 420 and IT Act 66D.

8. Blacklisting & Service Denial Rights

We reserve the right to permanently blacklist a customer for:

  • Fraud attempts

  • Suspicious behaviour

  • Abusive conduct

  • Threats of extortion

  • Fake complaints

  • Repeated cancellations or returns

  • Identity mismatch

  • Multiple addresses used for manipulation

Blacklisting may include:

  • Blocking phone number

  • Blocking device ID

  • Blocking email

  • Informing courier partners

  • Sharing fraud information with payment gateways

(As permitted under Section 72 IT Act – Confidentiality & legal reporting.)

9. Company’s Right to Legal Recourse

Shrinika Diamonds may file:

Civil Cases

  • Claiming damages under Sections 73/74 Contract Act

  • Seeking compensation for financial loss

Criminal Complaints

  • FIR under IPC 420/468/471

  • IT Act 66C/66D for online fraud

  • Complaint to Cyber Crime Cell

We reserve the right to seek:

  • Compensation

  • Legal fees

  • Interest

  • Penalties

  • Blacklisting orders

Fraud against a precious metal business is a serious criminal offence.

10. No Leniency Clause

Shrinika Diamonds operates on a strict compliance foundation.
No special requests, emotional appeals, or negotiation attempts will be considered in fraud-related matters.

The enforcement of this Policy is:

  • Non-negotiable

  • Final

  • Binding

  • Irreversible

11. Governing Law & Jurisdiction

This Policy is governed exclusively by the laws of India.
All disputes will fall under the exclusive jurisdiction of the courts located in [YOUR CITY/STATE] only.

(Provide your city name and I will update this.)

12. Contact for Fraud & Security Issues

Shrinika Diamonds
Email: support@shrinikadiamonds.com
Website: www.shrinikadiamonds.com