StartGold Privacy Policy

1. Scope of Privacy Policy

This Privacy Policy applies to:

• StartGold.com website
• Mobile applications (iOS/Android)
• Web services and APIs
• Third‑party integrations authorized by StartGold

This Policy does NOT apply to:

• Third‑party websites
• Payment gateways and external partners
• Offline communications

2. Categories of Data Collected

2.1 KYC & Identity Verification

• Full legal name
• Aadhaar Number
• PAN Number
• Address proof
• Mobile number and email
• Selfie / Photograph
• Bank Account details
• Occupation and income details

2.2 Financial & Transaction Data

• Gold purchase details
• Transaction IDs
• Payment method
• Customer ID
• Refund details
• Account holdings

2.3 Device & Access Data

• Device type
• IP address
• Browser type
• Session logs
• Login records

2.4 Communication Data

• Email communication
• WhatsApp alerts
• Call records
• Support chats

2.5 Optional Data

• Referral data
• Customer feedback
• Preferences

3. Purpose of Data Collection

3.1 Service Delivery

• Account creation
• Process transactions
• Digital wallet access
• Portfolio valuation

3.2 Compliance

• RBI compliance
• PMLA 2002
• Tax compliance
• Income Tax reporting

3.3 Security

• Fraud detection
• Unauthorized access prevention
• Account security monitoring

3.4 Customer Support

• Support queries
• Transaction alerts
• Statements

3.5 Business Analytics

• Improve platform performance
• Develop new features
• Usage analytics

4. Data Sharing

4.1 Internal Teams

• Compliance Team
• Finance Team
• Customer Support
• Engineering Team

4.2 Third Party Providers

• KYC Partners
• Gold Custodians
• Payment Gateway (Razorpay)
• AWS Cloud Services
• Banks & Insurance

4.3 Data Not Shared

• Data not sold
• No marketing resale
• No password sharing

5. Data Security

• SSL 256-bit encryption
• AES‑256 data encryption
• AWS secure servers
• Firewall protection
• Access control

6. Data Retention

• KYC Data – 7 years
• Transaction Records – 10 years
• Tax Records – 7 years
• Support Data – 3 years

7. Cookies

• Session cookies
• Preference cookies
• Analytics cookies
• Security cookies

8. User Rights

• Access your data
• Correct data
• Delete data
• Restrict processing
• Withdraw consent

9. Children's Privacy

Users must be 18 years or older. Data from minors will be deleted immediately.

10. Data Storage

• AWS Mumbai Region
• Backup Asia Pacific
• No international transfer

11. Regulatory Compliance

• PMLA 2002
• RBI Guidelines
• SEBI Regulations
• Income Tax Act
• FEMA

12. Contact Information

Email: grievance@startgold.com
Phone: 91596 91599
WhatsApp: 89390 89393

Address:
#477-482, Anna Salai,
1st Floor, Khivraj Complex‑2,
Chennai 600 035, Tamil Nadu, India

13. Policy Updates

StartGold may update this policy anytime. Continued use means acceptance.