Privacy policy

01Who we are

Save My Gold is run by [Company legal name] (“Save My Gold”, “we”, “us”), a company registered in India with its office at [Registered address]. This policy covers the Save My Gold app and this website.

Under the Digital Personal Data Protection Act, 2023, we are the data fiduciary for the personal data described here. That means we decide why and how it is used, and we are responsible for protecting it.

02What we collect

We collect only what we need to run your account and meet our legal duties.

Identity and verification: your name, date of birth, PAN, [Aadhaar or other ID details] and a photo or video taken during verification.
Contact details: your mobile number, email address and, if you order physical gold, a delivery address.
Bank and payment details: your bank account number, IFSC and UPI ID. Card payments are handled by [Payment partner], and we don't see or store your full card number.
Transactions: every purchase, sale, auto save and delivery, with dates, amounts, prices and grams.
Device and usage: device model, operating system, app version, IP address, crash reports and how you use the app.
Support: the messages you send us and notes of our calls with you.

03How we use it

To open your account and verify your identity.
To buy, store and sell gold for you, and to send the money from sales to your bank.
To run auto save on the schedule you choose.
To send you receipts, alerts and important updates about your account.
To detect and prevent fraud, and to keep the service secure.
To meet our legal duties, such as tax and record keeping.
To fix problems and improve the app.
To tell you about new features and offers, only if you agree. You can opt out at any time.

05Where and how long we keep it

Your data is stored on servers in [India]. We keep it while your account is open. After you close your account, we keep the records the law requires, such as verification and transaction records, for [X years], and then delete or anonymise them.

06How we protect it

We use [encryption in transit and at rest], access controls and regular security reviews to protect your data. Only staff who need your data to do their job can see it. Read more on our Security page.

07Your rights

Under the Digital Personal Data Protection Act, 2023, you can:

Ask for a summary of the personal data we hold about you and how we use it.
Ask us to correct or update data that is wrong or incomplete.
Ask us to delete your data, unless the law requires us to keep it.
Withdraw your consent at any time. This doesn't affect what we did before, but we may not be able to keep your account open.
Nominate someone to use these rights for you if you die or can no longer act for yourself.
Complain to our grievance officer and, if you're not satisfied, to the Data Protection Board of India.

To use any of these rights, email privacy@savemygold.example from the address linked to your account. We reply within [X days].

08Cookies

This website uses cookies as described in our Cookie policy.

09Children

Save My Gold is for adults aged 18 and over. We don't knowingly collect data from children. If you think a child has given us their data, contact us and we will delete it.

10Changes to this policy

We may update this policy. If the changes are significant, we'll tell you in the app or by email before they take effect. The date at the top of this page shows when it last changed.

11Contact and grievance officer

Questions about your data? Email privacy@savemygold.example.

Grievance officer: [Name], [Designation]
Email: grievance@savemygold.example
Address: [Registered address]