1. HG TCN member must be above 18 years of age can be a Resident Indian, NRI or a foreigner.
2. HG TCN member must be a Muslim.
3. Nomination facility is available; up to two nominees are permissible to every member. However can extend if needed.
4. All supportive documents should be relevant to member/s.
5. Copy of Residence proof and Photo ID of the member/s and the nominee/s is required. Original of the same can also be demanded for verification.
6. HG will not bear any responsibility for any loss due to mistake in filling of the name and/or any detail in, any of the HG form.
7. All eligible benefits and gifts will be issued on the applicant name, which is filled in the enrollment form only.
8. HG reserves the right to terminate the enrollment if any of the document or the information submitted by the applicant is found to be unauthentic or in any other related case.
9. Member/s willing to change any details provided in enrollment form must fill the update form and consult HG for the same. Changes will be effected post two weeks from receiving the details.
10. Membership applications will be accepted on or before last working day of every month. Application will not be accepted after the specified date in any case.
11. One time registration fees will be charged on every membership of HG TCN @ 0.2% on membership amount (for Eg. : 200/- INR for every 1,00,000/- INR and respectively).
12. Registration fees for HG TCN are non-refundable.
13. HG strictly condemns the payment done by money earned from non-Islamic /illegal source, including interest/theft/burglary/or any other related action, which is against the constitution of the respective country. HG reserves the right to take necessary action in the respective case, and the action may be extended up to legal proceedings as per the case may be.
14. Payments are accepted only through bank, cash payments will not be accepted in any case.
15. Member/s are warned, not to hand over cash to any HG office/Executive/Person/ organization or any one, as HG restricts the acceptance of cash in any case. However, person willing for cash payment may deposit the amount in respective HG bank account and hand over the bank pay-in-slip with enrollment form to any HG office.
16. It is the accountability of HG TCN member/s to verify with their bank, whether the membership amount has been deducted from their respective bank account. HG takes no responsibility in case of non-remittance of money. HG reserves the right to impose penalty on the respective member up to the extent of loss.
17. No buy back proceeding will be affected within the lock-in period of respective TCN under any circumstances.
18. Buy back request shall be submitted one month prior from date of withdrawal on or before 1st of respective month, subject to completion of lock-in period.
19. HG TCN member/s is/are deemed to be continued unless and until buyback request is submitted or else if HG terminates the membership.
20. Withdrawal amount will be remitted to members account in the first week of every month along with the profit/loss of that particular TCN.
21. As per Almighty's order in the Holy Quran, "O you who believe! Whenever you enter into deals with one another involving future obligations for a certain term, write it down." (2:282), HG is bound to all the terms and conditions stated in the enrollment form of the respective scheme, and so is the member also eligible to terms and conditions mentioned in it.
22. HG, bound by the Islamic Law, will not pay any interest to any member under any circumstances.
23. HG TCN Member/s shall attend a minimum of five meetings out of twelve in a particular year to be well informed with updates.
24. HG reserves all the right to change/modify the terms and conditions without any prior notice, and the same will be effective thereafter.
25. *Please make sure that you are listing the reason for cash deposit in bank as unit purchase of TCN A/ TCN E/ TCN G/TCN F.
26. Heera will not be responsible for any bank charges that is being deducted from the amount you transfer to us.
Note:We were only concentrating on Business trades.