Last Updated: July 2026
Please read these Terms and Conditions carefully before enrolling.
By selecting "I Agree", successfully completing OTP verification, and enrolling in the VJ Jewellers Kitty System ("Program"), you confirm that you have read these Terms, understand your rights and obligations, have had sufficient opportunity to ask questions or obtain independent legal advice if desired, and agree to be legally bound by these Terms and Conditions. If you do not agree, you must not enroll in the Program.
This summary is provided for convenience only. If any inconsistency exists, the full Terms and Conditions govern.
The VJ Jewellers Kitty System is a structured jewellery layaway and savings program operated by VJ Jewellers Ltd.
Participants agree to make recurring monthly payments over a fixed group period selected during enrollment.
Payments made under this Program are advance payments toward future jewellery purchases and do not constitute bank deposits, investments, securities, or trust funds.
Participation does not create any partnership, agency, employment relationship, fiduciary relationship, or ownership interest in VJ Jewellers Ltd.
Enrollment is complete only after:
VJ Jewellers Ltd reserves the right to decline or cancel enrollment where fraud, identity concerns, payment risk, or legal compliance issues exist.
Monthly payments must clear at least three (3) hours before the participant's scheduled allocation date.
Late payments may delay allocation.
Two consecutive missed payments may result in suspension or removal from the active group.
Any remaining balance after applicable deductions will be converted into digital Store Credit.
This Program does not involve lotteries, gambling, raffles, bidding, or games of chance.
Allocation months are assigned strictly according to enrollment order and available group positions.
Provided the participant remains in good standing and all required payments are current, Store Credit will become available during the participant's assigned allocation month.
Participants receiving an allocation before the final month remain obligated to complete every remaining scheduled payment. Failure to continue payments after receiving an allocation constitutes a material breach of this Agreement.
Following such a breach, VJ Jewellers Ltd may, subject to applicable law:
Store Credit:
Eligible products include finished: Gold jewellery, Diamond jewellery, Gemstone jewellery, Platinum jewellery, and Silver jewellery.
Excluded products include: gold bars, silver bars, bullion, investment products, coins, biscuits, raw precious metals, loose diamonds, and loose gemstones.
Store Credit is applied using retail pricing applicable on the redemption date. Participation does not lock future jewellery prices.
Participants are expected to complete the Program. If a participant voluntarily withdraws:
Administrative restructuring fees apply. **Fee:** CAD $150 administration fee plus CAD $50 per remaining month.
These fees represent reasonable costs associated with payment reconciliation, administrative processing, restructuring participant groups, and replacing vacant positions. They are not intended to operate as penalties. The total deduction shall never exceed 15% of accumulated deposits.
Store Credit issued following cancellation does not expire unless required by law.
Referral bonuses are issued exclusively as Store Credit.
If a referred participant fails to complete the Program, VJ Jewellers Ltd may reverse the related referral bonus. Where the referral bonus has already been redeemed, VJ Jewellers Ltd may recover the amount by:
No payment card will be charged unless separately authorized by the participant.
Recurring payments are securely processed by Stripe or another approved payment processor. VJ Jewellers Ltd never stores full payment card details.
Participants agree not to initiate chargebacks for valid, authorized payments except where fraud, unauthorized transactions, or another lawful basis exists.
If an invalid chargeback is initiated, VJ Jewellers Ltd may suspend participation, delay allocation, recover reasonable dispute costs, and deduct a CAD $50 administrative fee from available Store Credit (reflecting payment processor charges and administrative expenses).
Government-issued identification may be requested during enrollment, before redemption, where legally required, or where fraud prevention is reasonably necessary. VJ Jewellers Ltd may retain identification records where required by law. Redemption may be refused until identity is verified.
Personal information is collected, used, disclosed, and retained in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Alberta privacy legislation.
Personal information is disclosed only where legally required or authorized.
VJ Jewellers Ltd complies with applicable FINTRAC and Anti-Money Laundering legislation. Transactions reasonably suspected of involving fraud or unlawful activity may be reported where legally required.
VJ Jewellers Ltd may amend these Terms by providing at least 30 days' advance notice.
Material amendments will not affect Store Credit already earned before the amendment takes effect.
Participants who choose not to accept a material amendment may withdraw before the effective date. In that circumstance, restructuring fees described in Section 6 will be waived, and all accumulated deposits will be converted into Store Credit without deduction.
To the maximum extent permitted by law, VJ Jewellers Ltd shall not be liable for indirect, incidental, consequential, special, or punitive damages.
Nothing in these Terms limits liability that cannot legally be excluded. Except where prohibited by law, VJ Jewellers Ltd's total liability shall not exceed the total amount paid into the Program by the participant.
VJ Jewellers Ltd shall not be liable for delays caused by events beyond its reasonable control, including natural disasters, government action, banking failures, internet outages, cyberattacks, pandemics, labour disputes, utility interruptions, or similar events.
Participants consent to receive notices electronically by SMS, email, or through the VJ Jewellers application. Electronic communications are deemed received when sent to the registered contact information.
VJ Jewellers Ltd reserves the right to suspend, investigate, or terminate participation where fraud, payment abuse, referral abuse, identity theft, account manipulation, or any dishonest activity is reasonably suspected.
If any provision is held unenforceable, the remaining provisions continue in full force.
These Terms constitute the complete agreement regarding the Program and replace all prior discussions or representations.
These Terms are governed by the laws of Alberta and the applicable federal laws of Canada. The parties attorn to the exclusive jurisdiction of the courts of Calgary, Alberta.