ANS Dhivyam Jewels, presently set up at 450 Omalur Main Road, Kuranguchavadi, Salem-636004, Tamilnadu, India, (will henceforth be referred as “ANS Dhivyam” or “We” or “Our” or “Us”), wholly owns and operates this website. Please read carefully about the Terms & Conditions for FlexiGold from us so that you are aware of product and service we are able to offer. By using our services, you are agreeing to have accepted our Terms and Conditions mentioned as follows, and mandatorily heed to them until the time you are with us on this website. ANS Dhivyam may improvise our Terms and Conditions anytime without prior notice and you must ensure to take full responsibility to look over from time to time to stay updated. Any use of the content on this website like saving, storing or distribution elsewhere without the permission from ANS Dhivyam is strictly prohibited under any circumstance.


The user is expected to be at least the minimum age of 18 years in order to use or purchase any product from this website. If found guilty, we reserve all the rights to restrict the user from indulging in our content. If you are accessing our content from any country other than India, kindly comply with the appropriate steps with your local country’s rules and regulation to enjoy our products and services in a seamless manner.


All the details provided by you during the time of registration on this website must be accurate and true. If found to be incomplete or false, we hold complete rights to suspend or terminate your account without prior notice from further accessing our website. It is recommended to register an account with us in order to fully experience the website to its fullest. In order to make a purchase or add FlexiGold to the wallet, you must register an account. Kindly visit our site ANS Dhivyam and register with your complete details.

PAN Card Requirement

As per the government regulations, Permanent Account Number (PAN Card) is mandatory for your authentication. You are required to add your PAN number while you’re registering with us to continue purchases and enjoy our services. It is mandatory to provide PAN Card details when the purchase value is more than 2 laks.


You are eligible to choose your preferred amount to purchase the gold and add into your vault, as much as minimum of Rs.100 to maximum of your choice. Kindly keep in mind that the gold rate is prone to change on regular basis and the price difference is inevitable.


To make the payment easy and safe for you at all times, we have various options from which you can choose one. Payment includes credit card, debit card, UPI, and Net banking. As per government regulations, if there is any applicable tax during the transaction, it will be added to your checkout value. Please bear in mind that ANS Dhivyam have no control over the third-party payment gateways, and their terms and conditions is no way related to us.


You can redeem your gold within the stipulated period of or within 11 months by choosing any product from our website catalogue or by visiting the showroom. The catalogue shall be listed with the purchasable products in wide range, and the customer can choose the product that is equivalent to their saved gold or if they choose for the higher value, they can pay the remaining amount by walking into the physical store or by visiting ANS Dhivyam Jewels. The gold can be redeemed either in the form of gold coin(s) or jewel(s). other stipulated charges like Value Addition/Stone Cost. In case of Jewelry, GST will be added while ordering it as physical gold.


For online shopping, the product is packed safely and securely in a good condition. We have ensured our best to make the packing to the best of our ability to avoid any damage during the transit.


After you purchase the product online, you will receive the package of the jewelry in an excellent condition, irrespective of the size of the product. The item(s) will be delivered with relevant certificates and invoices in a good package. For gold coins, delivery is free within Salem, Tamilnadu. For Jewelry, delivery is free all across India.

Tax and Value Added Charges

Every individual product on the website is valued based on its nature- plain jewel, stoned, gem embedded, and more. As per the Government Regulation and Taxation, CGST and SGST will be added to the final price of the product during checkout. For a product, the total cost includes the actual jewel price, designing cost and making charges along with the wastages. This is called “Value Added Charges”. ANS Dhivyam reserves all the rights to calculate the final value for the production after careful determination.


ANS Dhivyam or any of its representatives, resellers, service provides and suppliers will not be held responsible for any unforeseen circumstances like an act of God, war, equipment and technical failures, electric power shortage, strikes, riots, labor disputes, civil disturbances, natural disasters, and other reasons that is beyond the control. Every effort from our side is put into every move of our business to the best of our ability. Regardless of the accuracy of our product hosted online in terms of color and size, the potential of your monitor screen decides the look of the images. We cannot be accountable of such cases in case there is any difference. Agreeing to the above mentioned points means you accept our Terms and Conditions for a smooth business transition.

Customer Support

For any queries about the Terms & Conditions, Complaints or Suggestions related to our Website, kindly feel at ease to reach us out by mail at or on call at 9585518536 (Timings: 09.30 A.M to 8.00 P.M (IST- Indian Standard Time)).