Paul Merchants Jewels and Metals LLP (“Company”, “We”, “Us”, “Our”) is committed to safeguarding the privacy of users (“You”, “Your”, “Customer”) and ensuring the protection of Your personal, transactional, and financial information. This Privacy Policy describes how We collect, use, disclose, and safeguard Your information when You use Our website, mobile application, or any of Our Digital Gold services (“Platform”).

By accessing or using Our Platform, You agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

1. Personal Identification Details – Name, contact number, email address, residential address, date of birth, government-issued identification (such as PAN, Aadhaar), etc.
2. Financial & Transactional Details – Payment information, bank account details, UPI IDs, card details, wallet IDs, and transaction history related to Digital Gold purchases, sales, and storage.
3. Technical Data – IP address, browser type, device identifiers, location data, and usage patterns.
4. Communication Records – Customer service inquiries, complaints, chat logs, and any other interaction records.

2. How We Use Your Information

We process Your information for the following purposes:

• To register and verify Your account.
• To facilitate Digital Gold transactions (buying, selling, storing).
• To comply with applicable laws, KYC/AML regulations, and audit requirements.
• To process payments, refunds, and scheme redemptions.
• To send transaction alerts, scheme updates, offers, and service-related notifications.
• To prevent fraud, unauthorised access, and misuse of Our Platform.
• To enhance Platform performance and improve customer experience.

3. Sharing & Disclosure of Information

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

• Regulatory Authorities & Law Enforcement Agencies – where required under applicable laws.
• Payment Gateways, Banking Partners & Vaulting Agencies – to process transactions and store Your Digital Gold securely.
• Third-Party Service Providers – who assist Us in Platform operations, marketing, and customer service, under strict confidentiality agreements.

4. Data Retention

We retain Your personal and transactional information for as long as:

• Required by applicable laws and regulations.
• Necessary to provide You with Our services.
• Required for legal, audit, or dispute resolution purposes.

5. Data Security

We implement industry-standard security measures including encryption, firewalls, multi-factor authentication, and restricted access protocols to protect Your data from unauthorised access, misuse, alteration, or destruction. However, no method of electronic storage is 100% secure.

6. Your Rights

You have the right to:

• Access and review Your personal data.
• Request corrections to inaccurate or incomplete data.
• Withdraw consent for marketing communications.
• Request deletion of Your personal data, subject to legal retention obligations.

7. Cookies & Tracking

We may use cookies and similar technologies to improve Your browsing experience, track Platform usage, and personalise services. You may disable cookies through Your browser settings, but certain features may become unavailable.

8. Consent & Acceptance

By creating an account, completing KYC, and/or conducting any transaction (including Digital Gold purchase, sale, or redemption) on Our Platform, You expressly acknowledge and agree that:

1. You have read, understood, and accepted this Privacy Policy in full.
2. You provide Your free, informed, and unconditional consent for the collection, storage, processing, and sharing of Your information as described herein.
3. Your continued use of the Platform constitutes ongoing acceptance of this Privacy Policy and any future updates.
4. If You do not agree with this Privacy Policy, You must immediately discontinue use of the Platform.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on Our Platform with the updated “Effective Date.” Continued use of Our Platform after such updates constitutes Your acceptance of the revised policy.

10. Contact Us

If You have questions or concerns about this Privacy Policy or the handling of Your personal data, You may contact Us at:

Paul Merchants Jewels and Metals LLP
Email:  ops.paulgold@paulmerchants.net
Phone: 01725041754
Address: Paul Merchants Jewels and Metals LLP
Ground Floor, SCO 829-830,
Sector 22-A, Chandigarh – 160022(India)