Embrace the music of the divine with our Durga Ruby Ghungroo Necklace from the Aadhira Collection. This 925 sterling silver masterpiece features a Durga wooden carving melded with modern filigree patterns. Set with radiant rubies and moissanites, and melodiously strung with ghungroo, this necklace celebrates the joyful strength of the goddess. Perfect for the woman who moves through life with grace and rhythm.

SKU: SILNDN003

• K&P उत्पाद लंबे समय तक सर्वोत्तम स्थिति में बना रहे, क्षति से बचने के लिए कृपया नीचे दी गई सलाह का पालन करें:

• खरोंच से बचने के लिए अपने आभूषणों को मूल पैकेजिंग या नरम थैली में रखें।

• पानी के संपर्क से बचें.

• हाथ धोने, तैराकी करने और/या किसी उत्पाद (जैसे इत्र, हेयरस्प्रे, साबुन या लोशन) को लगाने से पहले आभूषण को उतार लें, क्योंकि इससे धातु को नुकसान पहुंच सकता है और प्लेटिंग का जीवन कम हो सकता है, साथ ही रंग उड़ सकता है और क्रिस्टल की चमक खत्म हो सकती है।

• कठोर संपर्क (अर्थात् वस्तुओं से टकराना) से बचें, जिससे क्रिस्टल पर खरोंच या टुकड़े पड़ सकते हैं।

• कठोर, घर्षणकारी पदार्थों और कांच/खिड़की क्लीनर के संपर्क से बचें।
• अपने क्रिस्टल को संभालते समय उंगलियों के निशान छोड़ने से बचने के लिए सूती दस्ताने पहनने की सलाह दी जाती है।

• 7-Day Return Policy
• Items must be unused, unworn, with tags & original packaging
• Contact hello@kickyandperky.com to initiate a return
• Returns are not applicable on International Orders

Peace of Mind with OLocker Jewellery Insurance

At Kicky & Perky, we recognize that jewellery is more than a mere accessory. It embodies personal memories, unique style, and cherished milestones. That’s why we’ve partnered with OLocker, a trusted leader in jewellery insurance, to provide comprehensive protection plans tailored exclusively for your Kicky & Perky treasures.

With a wealth of expertise, OLocker ensures your jewellery is safeguarded against unforeseen circumstances, offering you unparalleled peace of mind. Let your style shine worry-free, knowing your precious pieces are protected by a team that truly understands the value of your adornments.

Terms and Conditions – Jewellery Insurance

This document outlines the terms and conditions governing the OLocker Jewellery Insurance offered through the Kicky & Perky website, owned by Swellegant Creations Pvt. Ltd. Please review these terms carefully to understand your coverage, exclusions, and duties as a subscriber.

Definitions

• The Website: kickyandperky.com, owned by Swellegant Creations Pvt. Ltd.
• Insurer: The insurance company issuing the Certificate of Insurance (COI) to the OLocker subscriber.
• Ornament ID (OID): A unique 16-digit alphanumeric code generated for identifying insured jewellery using OLocker functionalities.
• Certificate of Insurance (COI): A document bearing a unique 16-digit alphanumeric code, outlining details of insured jewellery and terms of coverage.
• OLocker: A secure digital repository for recording jewellery assets.
• OLocker Subscriber: The person to whom the Certificate of Insurance is issued.
• Covered Property: Jewellery identifiable with a valid OID and COI.
• Family Members: Immediate family, including spouses, parents, siblings, and children.

Coverage Period

The coverage begins upon COI generation and is valid for 365 days. For example, a COI issued on December 15, 2023, at 2:30 PM will remain effective until December 14, 2024, at 11:59 PM.

Section II – Coverage & Exclusions

Coverage

The policy insures loss or damage to covered property from the following perils:

• Natural Calamities: Fire, lightning, storms, cyclones, earthquakes, floods, etc.
• Accidents & Theft: Burglary, snatching, robbery, accidental external damage, and acts of terrorism.
• In Transit: Coverage extends to transit within India when jewellery is personally accompanied by the subscriber or a defined family member.

Exclusions

The policy does not cover loss or damage due to:

• Wear and tear, depreciation, or gradual deterioration.
• Theft from unattended vehicles or unlocked premises.
• Loss during repair, cleaning, or restoration.
• Mysterious disappearances or unexplained circumstances.
• Loss caused by war, invasion, civil commotion, or government actions.
• Fraud, misrepresentation, or gross negligence by the subscriber.

For detailed exclusions, refer to the complete terms on our website.

Section III – Settlement Terms

• Indemnity Limits: Coverage for individual items is capped at ₹25 Lakhs, with a total limit of ₹1 Crore per subscriber.
• Valuation Basis:
• For gold, silver, and platinum, the lower of the insured or market value applies.
• Diamonds and stones are valued at the declared value or market value, whichever is lower.
• Making charges are reimbursed at 10% (or actual costs if lower).
• Claim Process:
• Claims are settled in two phases: 75% upon initial approval and the remaining after submission of the Final Closure Report.
• All claims require an original invoice, FIR, and compliance with KYC norms.

Section IV – Subscriber Duties in Case of Loss

Subscribers are expected to:

1. Report promptly: Notify the insurer within 48 hours and file an FIR where applicable.
2. Submit documentation: Provide detailed statements, invoices, and supporting documents within seven days of discovering the loss.
3. Exercise due diligence: Prevent negligent behavior, such as leaving jewellery unattended or unsecured.
4. Cooperate with investigations: Assist the insurer in tracing stolen items and prosecuting offenders if necessary.

Failure to adhere to these duties may result in claim denial.

Experience unmatched confidence with OLocker Jewellery Insurance and let your jewellery tell its story without worry. Visit kickyandperky.com to explore more about our protection plans.