Privacy Policy

1. Information We Collect

To provide a secure gold investment experience, we collect the following categories of information:

Personal Identification

Name, date of birth, gender, and photograph.

Contact Information

Email address, phone number, and permanent/communication address.

Financial & KYC Data

PAN Card details, Aadhaar (masked/offline XML as per UIDAI), bank account number, and UPI ID for processing transactions.

Transaction Records

Details of your gold purchases, sales, SIPs, and delivery requests.

Technical Data

IP address, device ID, browser type, and location data to prevent fraudulent access.

2. How We Use Your Information

We use your data strictly for the following purposes:

Identity Verification

To complete mandatory KYC (Know Your Customer) as per government regulations for gold transactions.

Service Delivery

To facilitate the buying, selling, and physical delivery of 24K gold.

Security

To monitor for suspicious activity and protect your digital vault from unauthorized access.

Communication

To send transaction receipts, gold rate alerts, and account statements.

Compliance

To comply with anti-money laundering (AML) and counter-terrorism financing (CTF) laws.

3. Data Sharing and Disclosure

We do not sell your personal data. However, we may share information with:

Vault Partners & Trustees

To ensure your gold is legally titled to you and safely stored in insured vaults.

Payment Gateways

To process your transactions securely via UPI, Net Banking, or Cards.

Regulatory Authorities

When required by law, court order, or government request.

Logistics Partners

To fulfill the physical delivery of gold coins or bars to your address.

4. Data Security

Digirich employs bank-grade security measures:

Encryption

All sensitive data (like KYC and payment info) is encrypted using SSL/TLS technology.

Access Control

Access to your data is restricted to authorized personnel only.

Storage

Your physical gold assets are stored in high-security, insured vaults (e.g., Brinks/Sequel) which are independent of our operational data.

5. Your Rights

As a user, you have the right to:

Access & Rectify

Update your profile information or correct inaccuracies.

Withdraw Consent

You may withdraw consent for data processing; however, this may limit your ability to use certain features (like selling or withdrawing gold).

Data Portability

Request a summary of your gold transactions and holdings.

6. Cookies

We use cookies to enhance your browsing experience, remember your login session, and analyze platform traffic. You can manage cookie preferences through your browser settings.

7. Retention of Data

We retain your information for as long as your account is active or as needed to provide you with services. Even after account closure, we may retain certain data to comply with legal obligations (e.g., tax and audit requirements).

8. Updates to This Policy

Digirich reserves the right to modify this Privacy Policy at any time. We will notify you of any significant changes via email or an app notification. Continued use of the platform after updates constitutes acceptance of the new terms.

9. Contact & Grievance Redressal

If you have questions about this policy or concerns regarding your data, please contact our Grievance Officer: