Collection and Handover Policy
1. Where and when
1.1Products are collected in person at HBC's office at Wada No. 1, Gyaneshwor, Kathmandu, on the published collection days and hours shown in the app. Book a slot in the app or by telephone.
1.2HBC does not deliver by post or courier.
2. Who may collect
2.1The owner, with an original government-issued photo ID matching the KYC record.
2.2A third party, with (a) the owner's signed letter of authorisation naming the collector and the product, (b) a copy of the owner's ID, and (c) the collector's own original photo ID. HBC keeps copies.
2.3HBC may refuse release where identity cannot be verified, where the product is subject to an open complaint or legal hold, or where a charge is outstanding.
3. What happens at handover
3.1HBC staff present the product, confirm the serial number or product and weight against the record, and weigh it in front of you on request.
3.2You inspect the product. If it is not as described, say so before signing; HBC resolves it under the Purchase Policy. Signing the handover record confirms you received the product described, not that you waive any later right for a defect that could not be seen at handover.
3.3You sign a handover acknowledgement. HBC records the time, staff member and ID presented. You receive the PAN bill and certificate if not already issued.
4. After handover
4.1Title to the product passed to you when you paid; handover transfers possession. From handover the product is in your care.
4.2A collected product may be sold to HBC from the third day after collection, under the Sell to HBC Policy, after verification.
5. The free period and overdue charge
5.1Each product has a free collection period of eight weeks. It runs from the date HBC tells you the product is ready (outright purchase, Accumulate completion, early settlement) or from the booking date (Fixed Price). HBC's own delay never shortens it.
5.2After the free period, the overdue collection charge in the Fees and Charges Schedule accrues per day on the product's metal value until you collect or place it in custody. It is settled before release and never deducted from the product.
5.3Delay never forfeits a product or gives HBC any right to sell it. See the Custody Agreement for long-uncollected products.