Terms & Conditions

Last updated: September 6, 2026

Welcome to Zargar.pk. These terms and conditions govern your use of this website and any order you place with us. By browsing the site, creating an account, or placing an order, you accept these terms. If you do not agree with them, please do not use the site.

1. Who We Are

Zargar.pk is a Pakistan-based retailer of 925 sterling silver jewellery, operating from Tench Bhatta, Rawalpindi, Pakistan. You can reach us at contact@zargar.pk or on 0092 336 8741290. In these terms, “we”, “us” and “our” refer to Zargar.pk, and “you” refers to the person using the site or placing an order.

2. Your Account

• Your mobile number is your account identity — it is how you sign in and how we contact you about your order on WhatsApp.
• Please give a number you actively use and can receive messages on. We cannot process or deliver an order we are unable to confirm.
• You are responsible for keeping your password confidential and for activity that takes place under your account.
• You must be able to enter into a binding contract to order from us. Orders placed on behalf of a minor must be placed by a parent or guardian.
• Tell us straight away if you believe someone else has gained access to your account.
• We verify your number by sending a one-time code to it on WhatsApp. Do not share that code with anyone — we will never ask you for it.
• Register only a number that is yours. Entering somebody else's number, so that they receive codes or order messages they did not ask for, is a misuse of this site and we will close the account.

3. Messages We Send You on WhatsApp

WhatsApp is how we run an order, because it is where our customers already are. By giving us your mobile number when you register or check out, you are asking us to contact you there about your account and your orders.

• What we send: the one-time code that verifies your number, confirmation that your order and payment reached us, updates when your order is dispatched and delivered, and replies to messages you send us.
• What we do not send: promotional or marketing messages, unless you have separately asked us for them. We do not pass your number to anyone else to message you.
• Stopping them: reply STOP to any message, block our number, or ask us using the contact details below. Since order updates and verification codes are how an order actually gets processed, stopping them may mean we can no longer take orders from you.
• Cost: we do not charge for these messages. Your mobile provider's normal data charges still apply.
• Security: we will never ask you, on WhatsApp or anywhere else, for your password, a one-time code, your full card number, or your bank login. A message asking for any of those is not from us — please report it to us.

Messages are delivered through the WhatsApp Business Platform, which is operated by Meta. Our Privacy Policy sets out exactly what is shared with Meta in order to deliver a message to you.

4. Our Jewellery

• Every piece we sell is 925 sterling silver. What that means, and how we stand behind it, is set out in our Quality Pledge.
• We set both natural gemstones and zircon, depending on the design. The stones used in a piece are named on its own product page, so you know exactly what you are buying before you order.
• Because each piece is set by hand, slight variation in the colour, cut, and placement of stones from one piece to the next is normal and is part of how the jewellery is made — it is not a defect.
• Photographs are taken as accurately as we can manage, but screens render colour and scale differently. Where the exact size matters, please use the measurements listed under Additional Information on the product page rather than the photograph.
• Silver naturally darkens with wear and exposure to air, moisture, perfume, and cosmetics. This is tarnish, not a fault, and it cleans off.

5. Prices and Payment

• All prices are shown in Pakistani Rupees (PKR) and are inclusive of tax. Nothing further is added on top at checkout.
• Delivery is charged separately where it applies. The amount, and the order value above which delivery is free, are shown on your order summary before you confirm — see our Shipping Policy.
• We accept cash on delivery, bank transfer, and Easypaisa.
• For bank transfer and Easypaisa, your order is held until we confirm the payment. After checkout you will see our account details and your order number — send the payment receipt to us on WhatsApp, quoting that order number, so we can match it to your order and begin processing.
• Prices, delivery charges, and product availability can change at any time. The figures shown on your order summary at the moment you confirm are the ones that apply to that order.
• If a price or product detail is listed in obvious error, we will contact you before processing and you may confirm at the corrected price or cancel for a full refund.

6. Placing an Order

Placing an order is an offer to buy. A contract is formed once we confirm the order and begin processing it, not at the moment of checkout.

• Each order is given a number in the form ZR-00000. Please quote it in any message to us about that order.
• You can follow the status of every order from the My Orders section of your account.
• We may decline or cancel an order — for example if the piece is no longer available, if we cannot verify the contact details, if payment is not received, or if we suspect fraud. Where you have already paid, we refund in full.
• To change or cancel an order, contact us as soon as possible. We can usually help while the order is still being prepared, but not once it has shipped.

7. Delivery

We deliver within Pakistan. Processing and delivery timelines, charges, and tracking are set out in our Shipping Policy. Timelines are estimates rather than guarantees; once a parcel is handed to the courier, its movements are outside our control, though we will help you chase it. Please make sure the delivery address you give us is complete and correct — we cannot be responsible for a parcel delivered to an address supplied incorrectly.

8. Returns and Refunds

Returns, exchanges, and refunds are covered in full by our Returns & Refunds Policy, which forms part of these terms. In short: most unworn pieces can be returned in their original packaging within 30 days of delivery, while pieces resized, engraved, or made to order for you can only be returned if they are faulty.

9. Reviews and Content You Post

• You can review a piece once you have ordered it, and add your own photographs to that review.
• Only post words and images that are your own, or that you have permission to use. Do not include other people's photographs, anyone's personal or contact details, or anything unlawful, abusive, or deliberately misleading.
• By posting a review you allow us to display, store, and reproduce it on the site and in our own marketing, alongside the first name on your account.
• We may decline or remove a review that breaks these rules, or that is not about the piece it is attached to. We do not remove a review simply for being critical.
• Reviews are the opinions of the customers who wrote them and do not represent ours.

10. Using This Site

Please use the site only for lawful purposes and in a way that does not disrupt it for anyone else. In particular, do not attempt to gain unauthorised access to any part of the site or to another customer's account, interfere with its security, or extract our content in bulk by automated means.

11. Intellectual Property

The Zargar.pk name and logo, our product photography, designs, and the text on this site belong to us and are protected by law. You are welcome to share links to our pages and to use our product images when writing about or reselling a piece you have bought from us. Copying our photography or text to present our work as your own, or for any other commercial purpose, requires our written permission.

12. Liability

We take care to keep the information on this site accurate and the site available, but we cannot promise it will always be free of errors or uninterrupted. Except where the law does not allow it to be limited, our liability in connection with an order is limited to the amount you paid for that order. Nothing in these terms limits your rights under Pakistani consumer law, or our liability for death or personal injury caused by our negligence, or for fraud.

13. Privacy

The details you give us — your mobile number, delivery address, and order history — are used to process and deliver your orders and to contact you about them. We do not sell or rent your information, and we do not take card payments on this site, so we never hold your card details. Our Privacy Policy explains what we collect, what is shared with Meta so a WhatsApp message can reach you, how long we keep it, and how to have your account and data deleted.

14. Changes to These Terms

We may update these terms from time to time, and the revised version takes effect once published here with a new date at the top of the page. The terms that apply to an order are the ones in force on the day you placed it, so a later change never alters an order you have already made.

15. Governing Law

These terms are governed by the laws of the Islamic Republic of Pakistan, and the courts at Rawalpindi have jurisdiction over any dispute arising from them. If any part of these terms turns out to be unenforceable, the rest continues to apply.

16. Contact Us

If anything here is unclear, or you would like to talk to us about an order, please get in touch: