Effective Date: October 22, 2025

Welcome to Chhabria Jewels ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website www.chhabriajewels.com (the "Site"), including any content, functionality, and services offered on or through the Site. By accessing the Site, placing an order, or using any services, you agree to be bound by these Terms. If you do not agree, you must not use the Site.

We reserve the right to update these Terms at any time. We will notify you of material changes by posting the new Terms on the Site and updating the "Effective Date" above. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws, including Illinois consumer protection laws.
• Engage in unauthorized access, distribution of viruses, or interference with the Site's functionality.
• Impersonate any person or entity or misrepresent your affiliation with us.

We may suspend or terminate your access if you violate these Terms.

The Site and its entire contents (including text, graphics, logos, images, jewelry designs, and software) are owned by us or our licensors and protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent. Limited permission is granted to temporarily download one copy for personal, non-commercial use only, provided you retain all copyright notices.

All jewelry products ("Products") are described as accurately as possible, but we do not warrant that descriptions or images are error-free. Colors, materials (e.g., gold karat, gemstone authenticity), and sizes may vary slightly due to screen settings or manufacturing tolerances. We comply with FTC guidelines for truthful advertising and Illinois prohibitions on deceptive practices under 815 ILCS 505.

• Placing an Order: Orders are offers to purchase. We reserve the right to refuse or cancel any order for any reason, including availability, pricing errors, or suspected fraud. You will receive confirmation via email upon order placement and shipment.
• Pricing and Payment: Prices are in U.S. dollars and exclude taxes, shipping, and handling (which will be added at checkout). We accept [list methods, e.g., credit cards, PayPal]. All payments are processed securely. Illinois sales tax will be charged where applicable under state law.
• Shipping and Delivery: We ship within 3-5 business days via USPS or Commercial Carrier. Delivery times are estimates; delays due to carriers or unforeseen events are not our liability. Risk of loss passes to you upon delivery. International shipping may incur additional fees and customs duties.

We want you to love your jewelry. Returns are accepted within 30 days of delivery for unused, unworn items in original condition and packaging. Custom or personalized jewelry is non-returnable unless defective.

• Process: Contact us at info@chhabriajewels.com to initiate a return. Return shipping is at your expense unless the item is defective or we made an error. Refunds will be issued to the original payment method within 10 business days of receipt and inspection.
• Defective Products: If a Product is defective (breakage, discoloration), contact us within 14 days for a free return, replacement, or refund. This does not cover normal wear or misuse.
• Cancellations: Orders can be canceled before shipment; after shipment, they are subject to our return policy.

All returns comply with FTC rules on refunds and Illinois consumer rights under the Consumer Fraud Act.

• Limited Warranty: We warrant that Products are free from defects in materials and workmanship for 1 year from purchase, subject to normal use. This warranty is in addition to any statutory rights under Illinois law.
• AS IS Basis: THE SITE AND PRODUCTS ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not guarantee uninterrupted access to the Site.
• Jewelry-Specific: Gemstones are natural and may have inclusions; we disclose treatments where applicable per FTC Jewelry Guides (16 CFR Part 23).

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS OR DATA) ARISING FROM YOUR USE OF THE SITE OR PRODUCTS, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS. This limitation complies with Illinois law and does not apply to gross negligence or willful misconduct.

You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your violation of these Terms or misuse of the Site.

These Terms are governed by the laws of the State of Illinois, without regard to conflict of laws principles. Any disputes shall be resolved exclusively in the state or federal courts located in [e.g., Cook County, Illinois]. You waive any objection to venue or jurisdiction.

We encourage informal resolution first. For claims under $10,000, you may use small claims court in your county. This agreement does not waive your rights under the Illinois Consumer Fraud and Deceptive Business Practices Act.

We are not liable for delays or failures due to events beyond our control, such as natural disasters, strikes, or pandemics.

• Severability: If any provision is invalid, the remainder remains in effect.
• Entire Agreement: These Terms constitute the full agreement between us.
• Contact Us: Questions? Reach us at info@chhabriajewels.com

By using the Site, you acknowledge that you have read, understood, and agree to these Terms.