Authoritative terms governing all transactions, orders, contracts, payments, deliveries, hire-purchase rights, and service arrangements at Subidha Furniture.
**Subidha Furniture** (Proprietor: Pradip Roy, Business Code: SUBIDHA-ASN-001) operates from South Dhadka Sukantapally, Near Rupkatha Cinema Hall, Dakhin Dhadka, Asansol, Paschim Barddhaman, West Bengal 713302. By engaging with our website, showroom, staff, products, plans, or services, you agree to be bound by these Terms and Conditions.
1. Scope and Legal Enforceability
These Terms and Conditions constitute a legally binding agreement between the customer (hereinafter referred to as the "Customer" or "User") and Subidha Furniture. They govern all commercial engagements, including:
Direct showroom and online purchases (Direct Sales).
Subscription to the Subidha EMI (SFEMI) Advance EMI program.
Furniture and appliance rental agreements (Rent Contracts).
**System-Generated Records as Sole Proof**: Only system-generated invoices, printed contracts with unique contract reference numbers, tamper-evident digital receipts, verified Proof of Delivery (POD) notes, and approved credit/debit adjustment notes constitute valid legal proof of transactions.
**Exclusion of Informal Commitments**: Verbal statements, informal text messages, unverified WhatsApp chats, handwritten receipts, or unofficial staff assurances are strictly non-binding on Subidha Furniture.
**Immutable and Append-Only History**: Financial and ledger records are append-only. No payment, EMI settlement, or accounting journal may be silently edited or deleted. Corrections are strictly executed through auditable reversal and adjustment entries.
3. Direct Sales & Ownership Transfer
**Invoicing and Ownership Transfer**: Ownership and legal title to products purchased under Direct Sale transfer to the customer only upon:
Full settlement of the total invoice value (100% payment receipted); and
Execution of the physical delivery and handover note.
**Partial Payments and Title Retention**: If a direct sale is provisioned with partial advance payment, Subidha Furniture retains full legal title, lien, and custody control over the goods until the outstanding balance is completely settled.
**Price Quotations**: Quotations issued by showroom staff are valid for seven (7) calendar days unless otherwise specified in writing.
**Subscription Structure**: SFEMI is a structured advance installment plan for furniture acquisition over an approved tenure (e.g., 10 to 15 months). The product base price constitutes the total contract value, and monthly EMI equals the total contract value divided by the tenure months.
**Lucky ID Assignment**: Customers are assigned a batch-specific Lucky ID (00 to 99). Assignment of a Lucky ID does not guarantee any prize, winning, or financial return.
**Fair Draw Integrity (Commit-then-Reveal)**: Monthly draws are conducted transparently using cryptographic SHA-256 commit-then-reveal procedures. A commitment hash is published prior to the draw, and the revealed winning number must match the hash.
If a customer's Lucky ID is drawn as the winner, remaining unpaid future EMI obligations from the winning month onward are waived 100%.
**Zero Cash Refund**: Under no circumstances is any previously settled EMI refunded in cash, bank transfer, or credit. The benefit is strictly future-facing.
**Advance Delivery & Hire-Purchase Title Retention**:
Customers paying an advance prepayment threshold (60% to 80% upfront) qualify for immediate same-day delivery.
Legal title and ownership remain with Subidha Furniture under Hire-Purchase principles until 100% of the contract value is settled (either by completing remaining installments or via an audited draw waiver).
In case of payment default exceeding thirty (30) days, Subidha Furniture reserves the enforceable legal right to repossess the goods.
**Statutory Non-Gambling Declaration**: Lucky Plan is a purchase plan backed by physical goods. It is strictly compliant with the Prize Chits and Money Circulation Schemes (Banning) Act, 1978, and the Banning of Unregulated Deposit Schemes (BUDS) Act, 2019.
5. Rent and Lease Contracts
**Custody Transfer Without Ownership**: Rent and Lease contracts grant temporary possessory custody only. Physical products remain the exclusive corporate property of Subidha Furniture at all times.
**Mandatory KYC and Tenancy Verification**: Contract activation is strictly conditioned upon verified customer KYC (Masked Aadhaar/PAN/Voter ID/DL) and proof of premises tenancy (Rent Agreement or utility bill).
**Security Deposit**: A refundable security deposit of 20% to 30% of asset value is collected into a segregated deposit ledger. Deposits are not operational revenue and are refundable post-tenure subject to condition inspection.
**45-Day Arrears Cutoff & Repossession**: Monthly rent demands must be paid by the due date. Staff are legally mandated to initiate repossession pickup if rent arrears exceed 45 days, preventing deposit exhaustion.
**Prohibition of Sale or Relocation**: Rented or leased items must not be sub-let, pledged, mortgaged, sold, or relocated without prior written consent from Subidha Furniture.
6. Payment Discipline and Receipts
**Approved Payment Channels**: Payments must be remitted solely via Cash Counter, authorized UPI QR codes, or designated Company Bank Transfer accounts.
**Mandatory Official Receipt**: Every valid payment must generate a system receipt displaying date, amount, payment method, transaction reference, and cashier ID. Unreceipted transactions are not recognized.
**Reversal Protocol**: Payment reversals require administrative authorization, formal reason capture, and an append-only reversal journal entry.
7. Delivery, Handover & Proof of Delivery (POD)
**Stock-on-Hand Prerequisite**: Goods must physically exist in the Stock Ledger before dispatch.
**Mandatory Delivery Inspection**: The customer or authorized representative must physically inspect items upon delivery. Signing the Delivery Handover Note and providing photographic POD confirms acceptance in sound, undamaged condition.
**Transit Risk**: Risk of loss or external damage transfers to the customer upon co-signing the Delivery Handover Note.
8. Warranty, Service & Repairs
**Warranty Coverage**: Warranties cover inherent manufacturing, joinery, and structural defects as per brand and manufacturer guidelines.
**Exclusions**: Warranty strictly excludes damage caused by transit mishandling post-delivery, customer abuse, overloading, water/liquid exposure, fire, pest or termite infestation, unauthorized repairs, or commercial usage of residential furniture.
**Service Ticketing**: Service requests must be logged through official customer desk channels generating an auditable ServiceDesk ticket.
9. Customer Grievance and Dispute Resolution
**3-Tier Escalation**: Disputes must first be submitted to the Showroom Service Desk, escalating if unresolved to the designated Grievance Officer, and subsequently to Executive Management.
**Jurisdiction**: Any legal action, dispute, or proceeding arising under these Terms shall be subject to the exclusive jurisdiction of the competent civil courts at Asansol, Paschim Barddhaman, West Bengal.
Legal usage note
Published policy text is for customer clarity, operational governance, and statutory compliance.
Contracts, tax invoices, receipts, and audited delivery records remain the canonical transaction source.
For contract-specific clarifications, contact the Subidha Furniture showroom administration.