Terms of service

Terms of Service
Metalloid Card · Last updated: [DD Month YYYY]

These Terms of Service ("Terms") govern your use of www.metalloidcard.com, our social media and WhatsApp sales channels, and our walk-in store in Jaipur (together, the "Services"). The Services are operated by [Registered business / legal entity name], GSTIN [GSTIN], 3092, Jat ke Kuwe ka Rasta, 6th Crossing, Chandpole, Jaipur, Rajasthan – 302001, India ("Metalloid", "we", "us", "our").

By browsing our website, placing an order, or sending us your card or chip, you agree to these Terms, together with our Refund, Return & Cancellation Policy, Shipping Policy and Privacy Policy, which form part of these Terms. If you do not agree, please do not use the Services.

1. What we do (and what we don't)
Metalloid designs and manufactures customised metal cards and related accessories. We offer:

Chip Transfer Service – we fit the EMV chip from your existing bank card into a metal card.
DIY Kits – we supply a metal card and tools so that you can transfer the chip yourself.
Card Replacement / Expiry Service – re-fitting a new chip into a matching metal card.
Accessories – such as resin wallets.
Metalloid is not a bank, card issuer, payment network or financial service provider. We do not issue cards, offer credit, rewards or points, and we do not access, control or process transactions on your bank account. Your card's credit limit, charges, security, rewards and account remain entirely between you and your bank.

No affiliation: Metalloid is an independent business. We are not affiliated with, endorsed by, or sponsored by any bank, card issuer, card network or other brand, unless expressly stated. Any third-party names or marks belong to their respective owners.

2. Eligibility
To place an order, you must:

be at least 18 years old and legally able to enter into a contract,
be the authorised holder of any bank card or chip you send us or use with our products, and
provide accurate name, address, phone and email details.
We may refuse or cancel an order if we reasonably believe these conditions are not met.

3. Orders and pricing
All prices are in Indian Rupees (INR) and include applicable GST unless stated otherwise. International customers are responsible for any customs duties or import taxes in their country.
Your order is an offer to buy. A contract is formed only when we confirm your order by email, SMS or WhatsApp.
We try to keep product descriptions, images and prices accurate. If we find an obvious pricing or listing error, we will contact you before processing, and you may cancel for a full refund.
We may refuse or cancel any order at our discretion (for example, for suspected fraud, unavailable materials or prohibited designs). If we cancel, you receive a 100% refund.
4. Payment
We accept credit/debit cards, UPI and net banking through Razorpay, and Cash on Delivery (COD) where available. Card and payment details are handled by the payment gateway; we do not store them. We may withdraw COD for any customer who repeatedly refuses COD deliveries.

5. Design approval
For customised orders, we share a design preview (digital mock-up) before production.

Please check spellings, names, numbers, layout, card colour and finish carefully.
Your approval (by email, WhatsApp, website form or checkbox) is final. We produce exactly what you approve.
Errors in details you supplied or approved are not defects, and corrections will be charged as a new order.
Mock-ups are for illustration. Slight variations in colour, texture, brushing pattern and engraving tone are natural in metal and laser work.
6. Your artwork and content
If you send us logos, images, names or text ("Your Content"):

you confirm that you own it or have permission to use it, and that it does not infringe anyone's copyright, trademark or other rights,
you give us permission to use Your Content only to produce and deliver your order, and
you agree to indemnify us against any claim arising from Your Content.
We will not engrave content that is unlawful, obscene, hateful, defamatory, promotes violence, infringes a third party's rights, or imitates the security features of a bank card (such as holograms or another person's card details) in a way that could be used for fraud or misrepresentation. We may refuse such designs and refund you.

7. Your bank card and chip
By using the Chip Transfer Service or a DIY Kit, you confirm and agree that:

The card belongs to you, is issued in your name, and you are authorised to use it.
Your card is issued by your bank and may remain the bank's property under its terms. Modifying the card may not be permitted by your bank. You accept this risk. We are not responsible if your bank blocks, cancels, declines, or asks you to replace the modified card.
We never ask for your PIN, CVV, OTP or online banking passwords. Never share them with anyone claiming to be from Metalloid.
You will freeze/lock your card in your bank's app before sending it and keep it frozen until you receive your metal card. We recommend changing your PIN afterwards.
You may send only the cut-out chip instead of the full card. This is our recommended method.
You will use a tracked courier to send your card or chip. We are responsible for it from the time it is delivered to our address until we hand your finished order to our courier for return.
We do not record or store your card number. We are not responsible for any transaction on your card that you did not freeze against, or that occurred while the card was not in our custody.
Chips can be fragile. We are not responsible for a chip that was already damaged or weak, or was damaged during cutting or handling before it reached us.
Features: Unless a product is specifically listed as "Tap to Pay" enabled, metal cards support chip (EMV) payments and ATMs only. Contactless (tap) payments and magnetic-stripe functions are not supported. You can still pay contactlessly using your phone wallet.

8. DIY Kits
If you choose a DIY Kit, you perform the chip transfer yourself, following our tutorial. Guidance we give by phone or video is for help only. You accept all risk of damage to your chip or bank card during a self-transfer.

9. Production and delivery
We aim to complete production quickly, often within one working day of receiving your chip and design approval. This is a target, not a guarantee. Delivery times depend on your location and the courier. Please see our Shipping Policy for details. We are not liable for delays caused by couriers, customs, incorrect addresses or events outside our control.

10. Cancellations, returns and refunds
Cancellations, returns, replacements, our 30-day chip workmanship warranty and refunds are governed by our Refund, Return & Cancellation Policy. In short: customised cards are made only for you and are not returnable for change of mind, but anything damaged, defective or wrong because of us will be remade, replaced or refunded.

11. Use of photos of your card
We love showing our work. We may photograph finished cards for quality records. We will only post photos of your card publicly (e.g., on Instagram) with your consent, and we will always hide or remove any card number, name or chip detail. You can withdraw your consent at any time by messaging us, and we will remove the post within a reasonable time.

12. Reviews
Reviews you post on our website or tag us in must be honest and lawful. We do not edit reviews to change their meaning and do not publish fake reviews. We may remove reviews that are abusive, unlawful, spam or unrelated to our products.

13. Website use
You agree not to:

use the website for any unlawful or fraudulent purpose,
attempt to hack, disrupt, scrape or overload the website,
copy our designs, photographs, videos, text or brand for commercial use without our written permission, or
impersonate Metalloid or its staff.
All content on the website (designs, photos, videos, text, logos and the "Metalloid" name) is owned by or licensed to Metalloid and protected by law.

14. Warranties
Apart from the remedies in our Refund, Return & Cancellation Policy and any rights that cannot be excluded by law, our products and services are provided "as is". We do not guarantee that your card will be accepted by every terminal, ATM or merchant worldwide, as acceptance depends on your bank and the terminal.

15. Limitation of liability
To the extent permitted by law:

our total liability for any claim related to an order is limited to the amount you paid for that order, and
we are not liable for indirect or consequential losses, such as loss of business, profit, bank charges, or inconvenience from a card being unavailable.
Nothing in these Terms limits liability for our fraud, gross negligence, or anything that cannot be limited under applicable law, including the Consumer Protection Act, 2019.

16. Indemnity
You agree to indemnify Metalloid against losses, claims and costs (including reasonable legal fees) arising from your breach of these Terms, false information you give us, Your Content, or your use of a card you were not authorised to use.

17. Privacy
We collect and use your personal data as described in our Privacy Policy, in line with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. We use your information only to process orders, provide support and meet legal requirements. We do not sell your data.

18. Events outside our control
We are not responsible for delays or failures caused by events beyond our reasonable control, including natural disasters, strikes, courier disruptions, government action, power or internet failures, or pandemics. We will keep you informed and, if we cannot fulfil your order within a reasonable time, you may cancel for a refund of any amount for work not yet done.

19. Walk-in store
Orders placed at our Jaipur store are covered by these Terms and our other policies. In-store chip transfers are carried out in your presence where possible, and you will be asked to confirm your design before production.

20. Grievance Officer
Name: [Full name] Email: care@metalloidcard.com Phone / WhatsApp: +91 85039 99933 Address: 3092, Jat ke Kuwe ka Rasta, 6th Crossing, Chandpole, Jaipur, Rajasthan – 302001 Hours: [Monday–Saturday, 10:00 AM–7:00 PM IST]

We will acknowledge complaints within 48 hours and aim to resolve them within 30 days.

21. Governing law and disputes
These Terms are governed by the laws of India. We encourage you to contact us first; most issues can be resolved quickly. Subject to your rights under consumer protection law, the courts at Jaipur, Rajasthan have jurisdiction. Nothing in these Terms prevents you from approaching a Consumer Commission or the National Consumer Helpline (1915) where the law allows.

22. General
Changes: We may update these Terms. The version in force when you placed your order applies to that order.
Severability: If any part of these Terms is found invalid, the rest remains in effect.
No waiver: If we don't enforce a right immediately, we don't give it up.
Entire agreement: These Terms and the policies referred to above are the full agreement between you and Metalloid regarding the Services.
23. Contact us
Email: care@metalloidcard.com · WhatsApp: +91 85039 99933 · Walk-in store: Chandpole, Jaipur, Rajasthan