Privacy Policy

Effective Date: 08 August 2025
Last Updated: 11 August 2025

VENKATESHWARAA FINE GOLD PRIVATE LIMITED ("Company", "we", "us", or "our") values your trust and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, store, and share your information when you use our mobile application ("App") and related services, including payment services provided through PhonePe and other RBI-authorised payment partners.

1. Information We Collect

We may collect the following information when you use our App:

1.1. Personal Details

Name, phone number, email address, postal address, date of birth, and KYC documents (e.g., PAN, Aadhaar) where legally required.

1.2. Transaction Data

Purchase details, payment method, transaction ID, amount, date, time, and merchant location.

1.3. Device & Technical Data

Device model, operating system version, IP address, mobile network, and unique device identifiers.

1.8. App Usage Data

Browse activity, viewed products, search history, wishlists, and app interaction patterns.

1.5. Third-Party Data

Information from payment partners like PhonePe, courier/logistics partners, and fraud prevention agencies.

2. How We Use Your Information

We use your information for:

Order Processing: To process purchases and complete payments securely.
Legal Compliance: To verify identity, comply with KYC/AML laws, and meet RBI regulations.
Customer Support: To respond to your queries, complaints, and service requests.
Promotions: To send offers, updates, and notifications (you can opt out anytime).
Fraud Prevention: To detect, investigate, and prevent fraud or unauthorised transactions.
Service Improvement: To enhance app functionality, speed, and security.

3. Sharing Your Information

We may share your personal information with:

Payment Gateways: PhonePe and other RBI-authorised payment service providers for transaction processing.
Logistics Partners: For secure delivery of your purchases.
Technology Providers: For hosting, storage, and app functionality.
Legal Authorities: When required by law, regulation, or court order.

We do not sell or rent your personal information to third parties.

4. Data Security

We use encryption, firewalls, and secure servers to protect your data. While we take all reasonable precautions, no method of electronic storage or transmission over the internet is completely secure.

5. Your Rights & Choices

You can access, update, or delete your personal information by contacting us.
You can opt out of marketing messages by using the unsubscribe link in our emails or contacting us directly.
Certain data may need to be retained for legal, accounting, or regulatory purposes.

6. Grievance Officer (As required under IT Act, 2000 & SPDI Rules)

Name: VENKATESHWARAA FINE GOLD PRIVATE LIMITED

Email: venkateshwaraafinegold@gmail.com

Phone: 95143 72777

Address: NO L160H, L TYPE, KOOTAPALLI COLONY, NEAR MARIYAMMAN KOVIL, Tiruchengode, Namakkal, Tamil Nadu, 637214

7. Changes to this Policy

We may update this Privacy Policy from time to time. Updates will be posted in the App and on our website. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

8. Refund and Cancellation Policy

8.1. Non-Refundable Transactions

Payments made for gold purchases or savings plan contributions are final and non-refundable, except in cases mentioned in 8.2.
No refunds for partial usage, plan changes, or accidental purchases.

8.2. Refunds Due to Failed or Duplicate Transactions

Refunds will be processed only in the following cases:

Failed Transaction – Payment is debited from your account but not reflected in our system.
Duplicate Payment – The same transaction is charged more than once.

The amount will be auto-refunded by the payment gateway within 5–7 business days to your original payment method.
If not refunded within this period, contact support with transaction ID, date, and payment proof.
Refund will be credited to the original payment method in 7–10 working days.

8.3. Gold Plan Cancellations

Gold savings plans can be closed at the user’s request, subject to the Gold Scheme Agreement.
Accumulated gold will be settled either via physical delivery (with applicable making & delivery charges) or as per our buyback policy at the prevailing market rate.

8.4. How to Request a Refund

Email: venkateshwaraafinegold@gmail.com or call 95143 72777 within 48 hours of the transaction.
Provide: Full name, registered mobile number, transaction ID, date, and payment method used.
Approved refunds will only be issued to the original payment method.