Installment Policy
 
 Firstly, we will allow customers to choose:

1. We offer credit card installment plans, with banks including PBB, MBB, HLB, and CIMB.
2. Increase the selling price by 10% for a one-year installment fee.
3. Based on the current market price: Calculate the price of jewellery based on the price at the time of purchase, which is straightforward.
4. Based on the fixed price: Calculate the price of jewellery based on the gold price at the time of purchase. For jewellery worth less than RM5,000, the maximum period is six months, and for jewellery worth more than RM5,000, the maximum period is one year.

Terms for fixed price calculation method:

To prevent customers from abusing this service, we have the following terms:

1. If there is no payment for three consecutive months, we reserve the right to take out the product for sale, and the payment already made will be calculated based on the latest market price of the jewellery. The payment cannot be cashed out. If you really want to cash it out, you must buy the product and then resell it to obtain cash.
2. If there is no monthly payment on time (i.e., no payment for two consecutive months), we will use the upper and lower fifteen calculation method to ensure the fairness of everyone's transactions.
3. If there is a monthly payment on time, we will use the upper thirty and lower fifteen calculation method to ensure the fairness of everyone's transactions.

Upper and lower fifteen calculation method:

If the current gold price is RM300 per gram, and the market price at the time of purchase is between RM285 and RM315 per gram (i.e., the gold price is RM300 per gram, plus or minus RM15), we will calculate the jewellery price based on RM300 per gram.

If the gold price is below RM285, we will refund you the difference between the latest gold price and RM285.

If the gold price is above RM315, we will charge you the difference between the latest gold price and RM315.

Upper thirty and lower fifteen calculation method:

If the current gold price is RM300 per gram, and the market price at the time of purchase is between RM270 and RM330 per gram (i.e., the gold price is RM300 per gram, plus or minus RM30), we will calculate the jewellery price based on RM300 per gram.

If the gold price is below RM285, we will refund you the difference between the latest gold price and RM270.

If the gold price is above RM330, we will charge you the difference between the latest gold price and RM330.

分期付款政策

首先我们会让顾客选择：

1) 我们提供信用卡分期付款计划，提供的银行包括PBB、MBB、HLB 和 CIMB。

2) 直接在售价增加一年 10% 的供期费。 

3) 跟时价计算法：根据最后取货时的价格计算首饰，这个比较简单直接。

4) 跟定价计算法：根据定货时的金价计算首饰，价值少于RM5,000最多六个月为期限，多于RM5,000 最多一年为期限。

跟定价计算法条款：

为了避免顾客滥用此服务，我们有以下条款：

1) 如果连续三个月没有供款，我们有权将产品取出售卖，而已经支付的款项将根据最新时价计算首饰价格。款额将不能套现，如果真的要套现必须购买产品再将其售卖以套取现金。

2) 如果没有定时每个月供款（就是连续两个月没供款），我们采取上下十五计算法来保障大家交易的公平性。

3) 如果有定时每个月供款，我们采取上三十下十五计算法来保障大家交易的公平性。

上下十五计算法：

如果说现在金价为每克RM300，在取货时的时价介于每克RM300 上下 RM15 （就是金价为 RM285 到 RM315 ），我们将根据每克 RM300计算首饰。

要是金价处于 RM285 或以下，我们就会根据最新金价与RM285的差价退还给您。

要是金价处于 RM315或以上，我们就会根据最新金价与RM315的差价向您收取补价。

上三十下十五计算法：

如果说现在金价为每克RM300，在取货时的时价介于每克RM300 上下 RM30 （就是金价为 RM270 到 RM330 ），我们将根据每克 RM300计算首饰。

要是金价处于 RM285 或以下，我们就会根据最新金价与RM270的差价退还给您。

要是金价处于 RM330或以上，我们就会根据最新金价与RM330的差价向您收取补价。