Terms of service

OVERVIEW

Welcome to M&Co. "We", "us", "our" and "M&Co" refer to PT Navin Kumar Tabungan Emas, a limited liability company established under the laws of the Republic of Indonesia, with its registered office at Ruko Komp. Sunter Garden Blok D8 No. 11A, Jl. Sunter Permai Raya, Kel. Sunter Agung, Kec. Tanjung Priok, Kota Adm. Jakarta Utara, DKI Jakarta.

We operate the website mandcojewellery.com together with our physical store, including all related information, content, features, tools, products and services (the "Services"). Our online store is powered by Shopify.

These Terms of Service, together with our Privacy Policy and Refund & Exchange Policy, describe your rights and responsibilities when you use the Services. Please read them carefully. They include important information about warranties, returns, buyback, and limitations of liability.

By visiting, interacting with or using our Services, or by purchasing from us in store, you agree to be bound by these Terms.

Nothing in these Terms removes or limits any right you have under Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen or any other mandatory provision of Indonesian law. Where any clause below conflicts with such a right, the law prevails and the rest of these Terms continue to apply.

SECTION 1: ACCESS AND ACCOUNT

1.1 By agreeing to these Terms you represent that you are at least 18 years of age and legally capable of entering into a binding agreement under Indonesian law. If you allow a minor in your care to use the Services on a device you own or manage, you are responsible for their activity.

1.2 To use the Services you may be asked to provide information such as your name, email address, telephone number, billing, payment and delivery details. You represent that this information is correct, current and complete.

1.3 You are responsible for keeping your account credentials secure and for all activity under your account. You may not transfer, sell, assign or license your account to any other person.

1.4 We may suspend or close an account where we reasonably believe it is being used in breach of these Terms or of applicable law. Where we do so, we will tell you the reason unless we are legally prevented from doing so.

SECTION 2: OUR PRODUCTS

2.1 Natural variation. Our products contain natural gemstones, pearls and precious metals. Colour, clarity, inclusions, surface characteristics, lustre and shade vary naturally from piece to piece. Pieces that are handmade or hand-finished also vary. These variations are inherent characteristics of the material and are not defects.

2.2 Screen display. Photographs are taken under studio lighting and colour and appearance may differ on your device depending on screen type, settings and calibration. We make every reasonable effort to represent our products accurately, but we cannot guarantee that on-screen appearance will match the physical item exactly.

2.3 Weights and measurements. Stated carat weights, gross weights, gold purity, and dimensions are accurate to within normal trade tolerance and are measured at the time of listing. Ring sizes are stated in Standard Hong Kong Sizing Code.

2.4 Authenticity. We warrant that the metal purity and gemstone type stated on your invoice and certificate are accurate. This is a substantive commitment and is not affected by the disclaimers in Section 21.

2.5 Certificates. Where a piece is supplied with a certificate from an independent laboratory, that certificate reflects that laboratory's opinion at the date of grading. An appraisal or valuation figure stated for insurance purposes is a replacement estimate and is not a statement of resale value or of any amount we will pay to buy the piece back. Buyback is governed by Section 12.

2.6 Product descriptions and availability may change at any time. We may discontinue any product and may limit quantities available to any person or region.

SECTION 3: PRICES

3.1 All prices are stated in Indonesian Rupiah (IDR) and include PPN where applicable.

3.2 Gold price adjustment. Because the price of gold moves, our displayed prices are reviewed and adjusted weekly. The price that applies to your purchase is the price displayed at the moment your order is placed and confirmed, as set out in your order confirmation. Prices shown in earlier communications, saved carts, screenshots, or on third-party sites are not binding.

3.3 Prices in our online store may differ from prices in our physical store.

3.4 Promotions are subject to their own terms. Where a promotion's terms conflict with these Terms, the promotion's terms govern for that promotion.

3.5 Delivery charges, where applicable, are shown before you confirm your order.

SECTION 4: ORDERS

4.1 When you place an order you are making an offer to purchase. A contract is formed only when we confirm acceptance of your order. We must receive and clear payment before an order is accepted.

4.2 We may decline an order where the item is unavailable, where there is a pricing or description error (see Section 19), where we cannot verify your identity or payment, or where we reasonably suspect fraud or a breach of these Terms.

4.3 If we decline, change or cancel an order, we will contact you using the email address or telephone number you provided, and will refund any amount already paid in full.

4.4 Retention of title. Title to and ownership of any item does not pass to you until payment has cleared in full.

SECTION 5: PAYMENT

5.1 We accept bank transfer, QRIS, debit card, credit card, and cash for in-store purchases.

5.2 You represent that any payment instrument you use is yours or that you are authorised to use it, and that the information you provide is accurate.

5.3 For your protection and ours, we may ask for identification before completing a transaction. See Section 15.

5.4 Refunds are made to the original payment method and in the original amount paid, save for any deduction expressly permitted under Section 8 or Section 12.

SECTION 6: TAXES

6.1 Displayed prices include PPN where applicable. Gold jewellery is subject to a specific VAT regime under PMK 48/2023 and its amendments.

6.2 M&Co is registered as a Pengusaha Kena Pajak (PKP). A tax invoice (faktur pajak) will be issued on request where you are entitled to one.

SECTION 7: SHIPPING AND DELIVERY

7.1 We currently ship within Indonesia only. We do not accept international orders.

7.2 We deliver using JNE, and by Gojek or Grab for same-day delivery within Jakarta.

7.3 Signature on delivery is required for all shipments. The recipient must be the named addressee or a person authorised by them at the delivery address, and must present identification where the courier requests it. We cannot deliver to a location where no one is available to sign.

7.4 All shipments are insured for their full value.

7.5 Delivery estimates are estimates. Where a delay is caused by the courier, by weather, or by another event outside our reasonable control, we are not liable for the delay itself — but this does not affect your right to receive the item you paid for, or to a refund if we cannot deliver it. We remain responsible for the item until it is delivered to you.

7.6 Please inspect your parcel on delivery. If the outer packaging or security seal is damaged or has been opened, note this with the courier and contact us within 24 hours.

SECTION 8: RETURNS, EXCHANGES AND CANCELLATIONS

8.1 Online orders. For items purchased through our online store, you have 2 (two) working days from the date you receive the item to request an exchange or to cancel the purchase, in accordance with PP No. 80 Tahun 2019. This is the statutory minimum period and we do not extend it.

8.2 Condition. To be returned or exchanged, an item must be unworn, in its original condition, and returned with its original packaging, invoice, and any accompanying certificate. Missing certificates may be replaced at a cost determined by M&Co.

8.3 Items that cannot be returned or exchanged. The following are final sale:

  a. Custom, bespoke and special-order pieces made to your specification;
  b. Pieces made using stones or materials you supplied;
  c. Engraved or personalised pieces;
  d. Wedding and engagement rings made to order;
  e. Items that have been resized or altered at your request;
  f. Earrings, for hygiene reasons, once the sealed packaging has been opened.

8.4 This does not apply to faulty items. If an item is defective, not as described, or does not match the purity, weight or stone type stated on your invoice or certificate, you are entitled to a repair, replacement or refund regardless of clause 8.3, in accordance with UU No. 8 Tahun 1999.

8.5 To start a return, contact support@mandcojewellery.com with your order number. Do not send an item back without arranging this with us first. We cannot accept responsibility for uninsured items sent to us without notice.

8.6 In-store purchases are governed by the terms displayed at point of sale and issued with your invoice.

SECTION 9: CUSTOM AND BESPOKE ORDERS

9.1 Custom commissions require a deposit of 50% of the agreed price before work begins. The balance is due before collection or dispatch.

9.2 We will confirm the specification — metal, purity, stone type and weight, setting, size, and any engraving — in writing before production. Please check it carefully. Once you approve the specification and we begin production, changes may not be possible and may incur additional cost.

9.3 The deposit becomes non-refundable once production has begun. Before production begins, you may cancel and receive a full refund of your deposit.

9.4 Hand-finished custom pieces will vary slightly from any drawing, render or reference image. Such variation is not a defect.

9.5 If we are unable to complete a commission, we will refund all amounts paid in full.

9.6 Completed custom pieces not collected within 1 month of notification of completion may be subject to a storage charge determined by M&Co at the time of purchase.

SECTION 10: WARRANTY AND AFTERCARE

10.1 Every piece is covered for 1 (one) year from the date of purchase by the following:

  a. Authenticity. We guarantee that the metal purity and the gemstone type stated on your invoice and certificate are accurate. If they are not, you are entitled to a full refund or replacement.
  b. Certification. We guarantee the accuracy of any certificate we issue.
  c. Free resizing. We will resize your piece at no charge within the warranty year. This is redeemable once and some bands are subject to exclusion to this coverage.
  d. Free re-plating. If rhodium plating on a white gold piece becomes dull within the warranty year, we will re-plate it at no charge. This is redeemable twice within this period.
  e. Manufacturing and workmanship defects. Failure of a setting, clasp, hinge or solder joint under normal wear, and loss of a stone caused by a defective setting. We will repair or replace the piece at no charge.

10.2 This warranty does not cover:

  a. Loss of a diamond, coloured stone or pearl where the loss was not caused by a defective setting — see clause 10.3;
  b. Damage from impact, crushing, or accident;
  c. Normal wear, scratching, or thinning of metal over time;
  d. Damage from chlorine, perfume, cosmetics, cleaning chemicals, or seawater;
  e. Damage caused by work performed by anyone other than M&Co or a jeweller we authorise;
  f. Loss or theft of the item.

10.3 Loss of stones. Where a stone is lost because the setting was defectively made, this is covered under clause 10.1(e) and we will repair or replace the piece at no charge. Where a stone is lost through impact, wear, accident, or work carried out by anyone other than M&Co, it is not covered, and any repair will be quoted and charged before work begins.

10.4 Repairs and services not covered by the warranty are quoted before work begins and require your approval.

10.5 Work performed by a third party voids the warranty on the affected part of the piece.

10.6 Care. We recommend removing jewellery before swimming, exercising, sleeping, using cleaning products, or applying perfume and cosmetics. Store pieces separately to avoid scratching.

10.7 Your rights under UU No. 8 Tahun 1999 apply in addition to this warranty and are not limited by it.

SECTION 11: REPAIRS, RESIZING, CLEANING AND APPRAISALS

11.1 We offer repair, resizing, cleaning and appraisal services. Charges are quoted before work begins and require your approval.

11.2 Not every piece can be resized. Eternity bands, tension settings, and certain stone-set designs may not be resizable, or may be resizable only within a limited range. We will advise you before accepting the work.

11.3 A resized or altered item cannot subsequently be returned or exchanged under Section 8.

11.4 Repairs carried out by us are warranted for 1 year on the work performed.

11.5 We are not responsible for pre-existing damage, weakness or wear discovered during repair. We will tell you if we find any before proceeding.

11.6 Items left with us for service and not collected within 1 month of notification may be subject to a storage charge. We will make reasonable attempts to contact you using the details you provided before taking any further step.

11.7 Appraisals state an estimated replacement value for insurance purposes only. See clause 2.5.

SECTION 12: BUYBACK AND TRADE-IN

12.1 Buyback is optional on both sides. We may buy back a piece originally purchased from M&Co. We are not obliged to repurchase any piece, and you are not obliged to accept our offer.

12.2 How we calculate our offer. Where the buyback takes place within 12 (twelve) months of the date of purchase, our offer is made up of two parts:

  a. Stone component. 65% of the value attributed to any diamonds, coloured stones or pearls in the piece at the time you bought it. This part is fixed and does not change with market movements.
  b. Gold component. A percentage, determined by M&Co at the time of the buyback, of the gold price prevailing on that date, applied to the gold weight and purity recorded for your piece.

12.3 We will always show you the full figure and how it breaks down before you decide. You are free to decline.

12.4 After 12 months. We will still consider buying the piece back, but the price is quoted individually at the time and clause 12.2 does not apply.

12.5 Records. Where your invoice shows a single total, we hold the gold weight, purity and the value attributed to the stones on our internal record against your invoice number, and will provide that breakdown on request.

12.6 Requirements. You must present the original invoice and any certificate issued with the piece.

12.7 Condition. We may decline to buy back a piece that is damaged, that has been altered or repaired by anyone other than M&Co, or whose provenance we cannot verify. Where a piece has been resized or serviced by us, buyback is unaffected.

SECTION 13: IN-STORE PURCHASES

13.1 In-store purchases are subject to the terms displayed at the point of sale and issued with your invoice, together with these Terms where relevant.

13.2 Items reserved with a holding deposit will be held for 1 month.

13.3 Online orders may be collected in store by the purchaser on presentation of the order confirmation and identification.

SECTION 14: FEEDBACK AND REVIEWS

14.1 If you submit reviews, photographs, suggestions or other content ("Feedback"), you grant us a worldwide, royalty-free, sublicensable licence to use, reproduce, adapt, publish and display it in connection with the Services and our marketing.

14.2 You confirm that you own or have the rights to any Feedback you submit, that it is your honest opinion, and that you have disclosed any incentive you received for providing it.

14.3 We may, but are not obliged to, remove Feedback that is unlawful, abusive, defamatory, obscene, misleading, or that infringes another person's rights.

14.4 You may withdraw a review you have posted at any time by contacting us.

SECTION 15: IDENTITY VERIFICATION AND ANTI-MONEY LAUNDERING

15.1 As a dealer in precious metals and gemstones, we are a reporting party under **UU No. 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang** and are subject to reporting obligations to PPATK.

15.2 We may therefore require valid identification (KTP, passport, or equivalent) before completing a transaction, particularly for high-value purchases, cash payments, and buyback or trade-in transactions.

15.3 We may decline or limit cash payment above a threshold we set from time to time, and may decline any transaction where we cannot complete the verification required of us.

15.4 We handle any information collected under this Section in accordance with our Privacy Policy and UU No. 27 Tahun 2022 tentang Pelindungan Data Pribadi.

SECTION 16: INTELLECTUAL PROPERTY

16.1 The Services, including all text, images, photographs, graphics, video, product designs, and the selection and arrangement of them, are owned by M&Co or its licensors and are protected under UU No. 28 Tahun 2014 tentang Hak Cipta, UU No. 20 Tahun 2016 tentang Merek dan Indikasi Geografis, UU No. 31 Tahun 2000 tentang Desain Industri, and applicable international treaties.

16.2 You may use the Services for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, or transmit any material from the Services without our prior written consent.

16.3 M&Co's name, logo and designs are our trademarks. You may not use them without our written permission. Shopify's name and logo are trademarks of Shopify. All other marks belong to their respective owners.

16.4 All rights not expressly granted are reserved.

SECTION 17: PROHIBITED USES

17.1 You may use the Services for lawful purposes only. You may not use the Services:

  a. for any unlawful, fraudulent or malicious purpose;
  b. to violate any applicable law or regulation;
  c. to infringe our intellectual property rights or those of any third party;
  d. to harass, abuse, threaten, defame or harm our staff or any other person;
  e. to transmit false or misleading information, or to impersonate another person;
  f. to send spam or unsolicited promotional material;
  g. to upload viruses or malicious code;
  h. to collect or track the personal information of others;
  i. to interfere with, bypass or circumvent the security features of the Services.

17.2 We may suspend or terminate access where we reasonably determine that you have breached this Section. Where we do so, we will tell you why unless legally prevented.

SECTION 18: AUTOMATED ACCESS AND AGENTS

18.1 "Agent" means software that takes autonomous or semi-autonomous action on behalf of a person, without direct supervision at the time of each action.

18.2 An Agent may access the Services only if it identifies itself in the user agent string of each request in the form `Agent/[agent name]`, does not conceal that it is an Agent, does not mimic human interaction patterns or circumvent CAPTCHAs, answers truthfully when asked whether it is automated, and does not circumvent measures we use to control automated access.

18.3 We may limit or block Agent access by technical means.

SECTION 19: ERRORS AND OMISSIONS

19.1 Occasionally information in the Services may contain typographical errors or inaccuracies relating to descriptions, pricing, promotions, availability or delivery times.

19.2 We may correct errors and update information at any time.

19.3 Where an item was listed at a price that was obviously incorrect and you could reasonably have recognised it as such, we may cancel the order and refund you in full rather than fulfil it. We will not cancel an accepted order simply because the price has since moved in our disfavour.

SECTION 20: THIRD-PARTY LINKS AND TOOLS

20.1 The Services may contain links to, or embedded functionality from, third-party websites and services. We do not control these and are not responsible for their content, accuracy or practices.

20.2 Third-party tools are provided "as is" without endorsement. Your use of them is at your own discretion and subject to the third party's own terms.

20.3 Complaints regarding third-party products or services should be directed to that third party.

SECTION 21: RELATIONSHIP WITH SHOPIFY

M&Co is powered by Shopify, which enables us to provide the Services to you. However, any sales and purchases you make in our Store are made directly with M&Co. By using the Services, you acknowledge and agree that Shopify is not responsible for any aspect of any sales between you and M&Co, including any injury, damage, or loss resulting from purchased products and services. You hereby expressly release Shopify and its affiliates from all claims, damages, and liabilities arising from or related to your purchases and transactions with M&Co.

SECTION 22: PRIVACY

22.1 Personal data we collect is handled in accordance with our Privacy Policy and UU No. 27 Tahun 2022 tentang Pelindungan Data Pribadi.

22.2 Because our online store is hosted by Shopify, information you submit is transmitted to and processed by Shopify and its sub-processors, which may be located outside Indonesia. Our Privacy Policy explains the basis for this transfer and the safeguards applied.

22.3 You have rights of access, correction, erasure, and objection in respect of your personal data. Contact support@mandcojewellery.com to exercise them.

SECTION 23: DISCLAIMERS

23.1 Information published in the Services is provided for general information. We do not warrant that it is complete or free from error, and any reliance you place on it is at your own risk.

23.2 We do not warrant that the Services will be uninterrupted, timely, secure or error-free.

23.3 Clauses 23.1 and 23.2 relate to the website and its content. They do not limit the commitments we make about the products themselves; in particular, the authenticity warranty in clause 2.4, the product warranty in Section 10, or your rights under UU No. 8 Tahun 1999.

SECTION 24: LIMITATION OF LIABILITY

24.1 To the extent permitted by Indonesian law, our total liability arising out of or in connection with any purchase is limited to the amount you paid for the item concerned.

24.2 We are not liable for indirect or consequential loss, including lost profit, lost opportunity, or loss of data.

24.3 Nothing in this Section limits our liability for:

  a. death or personal injury caused by our negligence;
  b. fraud or fraudulent misrepresentation;
  c. gross negligence or wilful misconduct;
  d. any liability that cannot lawfully be limited, including under UU No. 8 Tahun 1999.

SECTION 25: INDEMNIFICATION

25.1 You agree to indemnify M&Co and Shopify against third-party claims arising from your breach of these Terms, your violation of law or of a third party's rights, or your misuse of the Services.

25.2 We will notify you promptly of any such claim and will not settle it on terms requiring anything of you without your consent, which you will not unreasonably withhold. You will cooperate in the defence of the claim.

SECTION 26: TERMINATION

26.1 Either party may stop using or providing the Services. Amounts already due remain payable.

26.2 The following survive termination: Intellectual Property, Feedback, Warranty, Buyback, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Privacy.

SECTION 27: COMPLAINTS AND DISPUTE RESOLUTION

27.1 If something goes wrong, please contact us first at support@mandcojewellery.com, on (021) 65300661, or by WhatsApp on 0881080710345. We aim to acknowledge complaints within 7 working days and to resolve them within 14 working days.

27.1a You may also contact the Direktorat Jenderal Perlindungan Konsumen dan Tertib Niaga (Ditjen PKTN), Kementerian Perdagangan RI — WhatsApp 0853 1111 1010, or via the Ministry's consumer complaint channel.

27.2 If we cannot resolve the matter, you may bring the dispute to the Badan Penyelesaian Sengketa Konsumen (BPSK) or to any other consumer dispute body available to you under Indonesian law. Nothing in these Terms restricts that right.

27.3 Failing resolution, disputes will be submitted to the Pengadilan Negeri Jakarta Utara.

27.4 These Terms are governed by the laws of the Republic of Indonesia.

SECTION 28: CHANGES TO THESE TERMS

28.1 We may update these Terms. The current version is always available on this page with the date of last update.

28.2 Changes apply prospectively only. The Terms that apply to your purchase are those in force at the time your order was accepted. We will not apply a later change to a transaction already completed.

28.3 We will give notice of material changes by [posting a prominent notice on the website / emailing account holders] at least 7 days before they take effect.

SECTION 29: GENERAL

29.1 Severability. If any provision is found unlawful or unenforceable, it is severed and the remaining provisions continue in effect.

29.2 Waiver. Our failure to enforce a provision is not a waiver of it.

29.3 Entire agreement. These Terms, together with the Privacy Policy, Refund & Exchange Policy, and any in-store terms issued with your invoice, form the entire agreement between us.

29.4 Assignment. You may not assign your rights under these Terms without our written consent. We may assign ours on notice to you, provided your rights are not reduced.

29.5 Headings are for convenience only.

29.6 Language. These Terms are published in Bahasa Indonesia and English. In the event of inconsistency, the Bahasa Indonesia version prevails.

SECTION 30: CONTACT AND BUSINESS DETAILS

PT Navin Kumar Tabungan Emas (trading as M&Co Jewellery)

- Address: Ruko Komp. Sunter Garden Blok D8 No. 11A, Jl. Sunter Permai Raya, Kel. Sunter Agung, Kec. Tanjung Priok, Kota Administrasi Jakarta Utara, Provinsi DKI Jakarta
- NIB: 0220901990022
- NPWP: 03.220.932.2-048.000
- Telephone (office): (021) 65300661
- WhatsApp / mobile: 0881080710345
- Email: support@mandcojewellery.com
- Website: mandcojewellery.com
- Investment status: PMDN