This Gift Card issued by Croma, Infiniti Retail Limited (IRL).This Gift Card shall be subject to applicable laws or any new law, rules and/or regulations as may be promulgated / imposed by the Government, RBI, or any other statutory/regulatory authority.Gift Card cannot be redeemed against cash or cannot be used for settlement of any past amounts due to any of the Croma stores.If the purchase exceeds available balance in the Gift Card, the difference must be paid by the Gift Card holder by another mode of payment i.e. cash or credit/debit card.Unused balance on the Card will not be refunded or credited during its validity or after its expiry. It shall be the responsibility of the Gift Card holder to use full amount loaded on the Gift Card before the date of expiry of the Card.IRL shall not be responsible for any loss, theft, damage or misuse of the Gift Card. The Gift Card holder shall have to ensure proper and authorized use of the Card.Any dispute relating to the Croma Gift Card shall be subject to the exclusive jurisdiction of Mumbai courts.IRL shall be entitled to amend these terms and conditions of the Gift Card from time to time. Any change in these terms and conditions can be viewed on our website and / or at any of the Croma storesE-Gift Cards are normally delivered instantly. But sometimes due to system issues, the delivery can be delayed up-to 24 hours.No returns and no refunds on gift cards, E- gift cards and gift vouchers shipped by woohoo.in. Please check the refund policy at http://www.woohoo.in/faq for further details.