Thangamagal

Discover a simple way to purchase Digital Gold and Silver, explore flexible savings schemes, and access exciting product and exchange options through the Thangamagal app. **Digital Gold & Silver** Purchase Digital Gold and Silver instantly through the app. Your purchases are reflected in your account, allowing you to conveniently view and manage your holdings. When you choose to sell your Digital Gold or Silver, the request will be processed and may take approximately **5–7 working days** to complete, subject to the applicable process and verification. **Exchange for Products** You may also have the option to exchange eligible Gold or Silver holdings for relevant products based on the applicable weight in grams. Product exchange requests may require processing and delivery time after the purchase or eligibility period. Applicable product availability, weight, and processing conditions may vary. **Flexible Savings Schemes** Choose from different savings schemes designed around regular monthly contributions. Depending on the selected scheme or promotional offer, benefits may be provided as: • Additional value calculated as a percentage of the eligible contribution • Additional Gold or Silver weight in grams • Special festival or promotional benefits, where applicable Scheme benefits and eligibility depend on the specific plan selected and the applicable terms and conditions. **Scheme Completion & Cancellation** Users are expected to complete all required monthly payments according to the selected scheme. If a user cancels a scheme before completion, the applicable scheme benefits, additional percentage returns, promotional benefits, or additional grams will not be provided. The user will receive the eligible amount paid according to the applicable cancellation policy. As per the applicable policy, cancellation requests can generally be made only after completing the required minimum period. For example, after the first payment, the user must complete a **six-month waiting period** before requesting cancellation. Cancellation requests are subject to the applicable procedure, verification, and terms of the selected scheme. **Referral Rewards** The app also provides a referral feature through which eligible users may earn rewards credited to their in-app wallet when applicable referral conditions are fulfilled. Eligible wallet rewards may be used toward applicable Gold or Silver purchases or other supported services within the app, subject to the applicable terms. **Return-Based Schemes** Additional schemes may be available where users receive a predetermined return based on the selected plan. Depending on the scheme, the return may be provided as: • A fixed monetary value, or • A specified Gold or Silver weight in grams based on the applicable current rate and scheme conditions. The benefits, rates, eligibility, processing periods, and applicable conditions may vary between schemes and promotional offers. Please review the applicable scheme details, terms, eligibility requirements, processing periods, and cancellation conditions before making any purchase or contribution. All transactions, scheme benefits, exchanges, rewards, and returns are subject to the applicable terms and conditions.