Terms & Conditions
Welcome to Insignia. By placing an order through our website, purchasing from our store, or using our services, you agree to the following Terms & Conditions.
These Terms should be read together with our Returns & Exchange Policy, Privacy Policy, Shipping Policy and any other policies displayed on our website.
1. Product Information
We make every reasonable effort to display our jewellery, product specifications, measurements, colours and finishes accurately.
As jewellery is photographed under controlled lighting and viewed on different screens, slight variations in colour, appearance or scale may occur.
Where a product is handmade or individually finished, minor variations between pieces may be part of the nature of the product and should not necessarily be considered a defect.
Product availability is subject to stock availability at the time an order is confirmed.
2. Sterling Silver and Product Characteristics
Our silver jewellery may naturally develop tarnish or changes in finish over time depending on wear, exposure to moisture, cosmetics, chemicals, sweat, storage conditions and individual usage.
Normal wear, tarnishing, scratches or damage resulting from improper handling are not considered manufacturing defects.
Customers are requested to follow the jewellery care instructions supplied with the product and displayed on our website.
3. Pricing
All prices displayed on the website are those applicable at the time of purchase unless otherwise stated.
Jewellery prices may change without prior notice due to changes in silver prices, production costs, making charges, taxes, promotions or other commercial factors.
Once an order has been successfully confirmed at a particular price, subsequent changes in the listed price will not ordinarily affect that confirmed order.
4. Orders
An order is considered accepted after it has been successfully confirmed by Insignia.
Insignia reserves the right to refuse or cancel an order before dispatch in circumstances including:
- Incorrect pricing or product information.
- Inventory errors.
- Suspected fraudulent transactions.
- Payment failure.
- Delivery-location limitations.
- Other circumstances making fulfilment reasonably impossible.
Where payment has already been collected for an order cancelled by Insignia, the applicable amount will be refunded according to the original payment method or another mutually agreed method.
5. Order Cancellation
Customers may request cancellation before the order has been packed and handed over to the courier.
Once an order has been packed and dispatched, it cannot ordinarily be cancelled through the normal cancellation process.
6. Cash on Delivery Orders
Customers placing Cash on Delivery orders are requested to ensure that they are available to receive the shipment.
Where a customer refuses a confirmed COD shipment without a valid reason after dispatch, Insignia may recover reasonable courier, return-shipping and handling costs to the extent permitted by applicable law.
Where an advance amount has been paid toward a COD order, any remaining amount due to the customer after applicable lawful charges may be refunded or dealt with in accordance with the applicable order terms and consumer law.
7. Credit Notes
Where Insignia issues a credit note as an agreed remedy, promotional benefit or goodwill adjustment, the credit note will normally be valid for 6 months from the date of issue, unless a different validity period is specifically stated.
Credit notes:
- Must be used within their stated validity period.
- Cannot ordinarily be exchanged for cash.
- May be subject to specific conditions communicated when issued.
A credit note will not replace a refund where applicable law requires a monetary refund.
8. Gift Cards
Insignia gift cards are valid for 6 months from the date of issue, unless otherwise stated on the gift card.
Gift cards:
- May be used toward eligible purchases from Insignia;
- Cannot ordinarily be redeemed for cash;
- Should be kept securely, as Insignia may not be responsible for unauthorized use of a lost or shared gift-card code.
Any mandatory legal rights relating to gift cards remain unaffected.
9. Product Sizing
Customers are requested to review the sizing guide carefully before placing an order.
Where an incorrect size is supplied by Insignia despite the customer selecting the correct size, Insignia will arrange a one-time exchange without additional delivery charges, subject to verification.
Where the customer has selected or provided the wrong size, applicable pickup, return and redelivery charges may be borne by the customer.
Sizing exchanges remain subject to the eligibility conditions described in our Returns & Exchange Policy.
10. Jewellery Service Benefit
Eligible Insignia jewellery includes one complimentary service labour benefit and one complimentary rhodium re-polishing service, subject to inspection and the service conditions applicable to the product.
The complimentary benefit relates to eligible labour/service charges only.
It does not automatically include:
- Additional silver.
- Replacement stones.
- Replacement parts.
- Chains, clasps or findings.
- Structural reconstruction.
- Repairs arising from accidental or improper use.
- Courier or transportation charges.
Customers may request a service through our official WhatsApp channel or by visiting our store.
11. Additional Silver During Service
If additional silver is required during repair, resizing or servicing and this increases the finished silver weight of the jewellery, the customer will be informed wherever reasonably possible before the work is completed.
The customer will be responsible for the cost of the additional silver based on the applicable silver rate used by Insignia at the time the service is performed.
Any additional stones, components or specialist workmanship may also be charged separately after communicating the applicable cost to the customer.
12. Inspection During Service
All jewellery submitted for repair, polishing or service may be inspected before work begins.
Insignia may decline complimentary servicing where the product shows substantial accidental damage, unauthorized alteration, misuse or repair previously undertaken by another service provider.
Any chargeable work will ordinarily be communicated to the customer before proceeding.
13. Promotions and Discounts
Discounts, promotional codes and promotional offers:
- Are valid only during the stated period.
- May be restricted to selected products.
- May not be combined unless expressly permitted.
- May be withdrawn or modified before an order is confirmed.
14. Intellectual Property
All website content including photographs, product designs, logos, branding, text, graphics and other material owned by Insignia may not be commercially copied, reproduced or used without permission.
15. Limitation and Consumer Rights
Nothing in these Terms is intended to exclude, restrict or reduce any right or remedy that a consumer is entitled to under applicable law.
If any provision of these Terms conflicts with a mandatory provision of applicable law, the mandatory legal provision will prevail.
16. Changes to These Terms
Insignia may update these Terms from time to time.
The Terms applicable to a purchase will generally be those displayed when the relevant transaction was completed, subject to applicable law.
17. Contact
For questions regarding an order, product, exchange or service request, customers may contact Insignia through the official contact details or WhatsApp channel displayed on our website.
Last updated: September 2026