Effective Date: 13th August 2025

Last Updated: 13th August 2025

This Privacy Policy is published pursuant to the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, as amended from time to time.

GoldWalt (“we,” “our,” “us”) respects your privacy and is committed to protecting your personal and financial information. This policy explains how we collect, use, store, share, and protect your data when you access or use our website, mobile application, and related services (“Platform”).

By using GoldWalt, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect the following categories of information:

A. Information You Provide Directly

  • Personal Information: Name, date of birth, gender, address, mobile number, email address.

  • KYC Details: PAN card, Aadhaar card, passport, voter ID, or other government-issued identification.

  • Payment Information: UPI ID, bank account details, partial card details, net banking information.

  • Communication Data: Emails, chat transcripts, call records, customer support interactions.

B. Information Collected Automatically

  • Device Information: IP address, browser type, operating system, mobile device identifiers.

  • Usage Data: Pages visited, time spent, transactions made, SIP history, clickstream data.

  • Location Data: Approximate geolocation for fraud detection and compliance.

  • Cookies & Tracking: Session cookies, analytics cookies, and similar technologies.

C. Information from Third Parties

  • KYC Agencies & Payment Partners: Verification data, fraud alerts, risk profiles.

  • Marketing & Referral Partners: Referral codes, campaign tracking information.

2. How We Use Your Information

We process your information for the following purposes:

  1. To verify your identity and comply with KYC/AML regulations.

  2. To facilitate transactions, SIP auto-debits, and withdrawals.

  3. To provide, maintain, and improve our services.

  4. To send you alerts, notifications, statements, and policy updates.

  5. To detect and prevent fraud, unauthorized access, and other illegal activities.

  6. To conduct analytics and research for service enhancement.

  7. To comply with applicable laws, regulations, and legal processes.

  8. For marketing and promotional purposes (with your consent).

3. Sharing of Information

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

  • Custodian Partners: For gold storage and ownership verification.

  • Payment Gateways & Banks: For transaction processing.

  • KYC Verification Agencies: For identity validation.

  • Regulatory Authorities: When required under law.

  • Technology & Hosting Providers: For secure operations of the Platform.

  • Analytics & Marketing Partners: For performance measurement and personalization.

Whenever we share your data, we ensure it is protected through contractual obligations and security measures.

4. Data Storage, Location & Security

  • Your personal and transactional data is stored on secure servers located in India.

  • Data is encrypted in transit (via SSL/TLS) and at rest.

  • Access to personal data is restricted to authorized personnel only.

  • We employ firewalls, intrusion detection, and 24/7 security monitoring.

5. Data Retention & Deletion

  • We retain your data for as long as your account is active and as required by law (including tax and audit purposes).

  • Upon account closure, we delete or anonymize your personal data unless retention is required by law.

  • You may request deletion by contacting our Grievance Officer (details below).

6. Your Rights

You may:

  • Access, update, or correct your personal data.

  • Request deletion of your account.

  • Withdraw marketing consent at any time.

  • Request details of third parties with whom we have shared your data.

7. Cookies Policy

We use cookies and similar technologies to:

  • Maintain secure sessions.

  • Improve user experience.

  • Analyze website traffic and usage patterns.

    You may disable cookies in your browser, but certain features may not function properly.

8. Third-Party Links

Our Platform may contain links to external websites. We are not responsible for their privacy practices, so we encourage you to read their policies before providing personal data.

9. Consent

By using our Platform, you consent to the collection, processing, and sharing of your personal data as described in this Privacy Policy.

10. Minors

Our services are not intended for persons under 18 years of age. We do not knowingly collect personal data from minors.

11. Changes to this Policy

We may update this Privacy Policy periodically. Updates will be posted on our Platform with a revised “Last Updated” date. Continued use of the Platform constitutes your acceptance of the updated policy.

12. Grievance Officer

In compliance with applicable laws, we have appointed a Grievance Officer:

Name: Anshul Sharma

Email: support@goldwalt.com

Response Time: Within 7 working days of receipt of your complaint

📧 Contact for Privacy Queries: support@goldwalt.com

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