Privacy Policy

Personal Information

• Full name, email address, and phone number during registration.
• Residential address, city, state, and PIN code.
• Government-issued ID details (Aadhaar number, PAN card) for identity verification and gold delivery.
• Gender (optional) for analytics and personalisation.

Payment Information

• Payment transaction IDs, order IDs, and payment status from Razorpay.
• We do not store credit/debit card numbers, CVV, or bank account details. All payment processing is handled by Razorpay.

Usage Information

• IP address, browser type, and device information for security and rate limiting.
• Pages visited, actions taken, and timestamps for analytics.

• Account Management: To create and manage your membership, process installments, and maintain your dashboard.
• Communication: To send payment reminders, lucky draw notifications, and important plan updates.
• Gold Delivery: To verify your identity and facilitate delivery of gold jewellery.
• Referral Tracking: To track and credit referral income to your wallet.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes.
• Security: To detect and prevent fraud, abuse, and unauthorized access.

• We do not sell your personal information to third parties.
• Razorpay: Payment data is shared with Razorpay for processing transactions.
• Legal Authorities: We may disclose information if required by law, court order, or government regulation.
• Business Partners: Ganpati Jewellers may receive necessary details for gold delivery fulfilment only.

• All passwords are hashed using industry-standard Argon2 algorithm and are never stored in plain text.
• Sessions are secured using signed JWT tokens with HMAC-SHA256 encryption.
• All data in transit is encrypted via HTTPS/TLS.
• Server access is restricted and monitored. Rate limiting is implemented to prevent brute-force attacks.
• While we take all reasonable precautions, no method of transmission over the internet is 100% secure.

• We use an HTTP-only session cookie (aurum_session) to maintain your login state.
• This cookie is essential for the functioning of the website and cannot be disabled.
• We do not use third-party tracking cookies or advertising cookies.
• Sessions expire after 7 days of inactivity for security.

• Your account data is retained for the duration of your membership and for a period of 3 years after plan completion.
• Payment and transaction records are retained as required by Indian tax and financial regulations.
• You may request deletion of your account data after plan completion by contacting our support team.

• Access: You can view and download your personal data from your dashboard at any time.
• Correction: You can update your profile information through the dashboard or by contacting support.
• Deletion: You may request account deletion subject to any pending obligations under your plan.
• Portability: You may request a copy of your data in a machine-readable format.
• Objection: You can object to the processing of your data for specific purposes by contacting us.

• Razorpay: Payment processing is handled by Razorpay Software Private Limited.
• Gold API: We use third-party APIs for live gold rate data. No personal information is shared with these providers.
• We are not responsible for the privacy practices of third-party services.

• Our services are not directed at individuals under 18 years of age.
• We do not knowingly collect personal information from minors.
• If we discover that we have collected data from a minor, we will delete it promptly.

• We may update this privacy policy from time to time to reflect changes in our practices or legal requirements.
• Material changes will be communicated via email or dashboard notification.
• The last updated date at the top of this page indicates when the policy was last revised.
• Continued use of the website after changes constitutes acceptance of the updated policy.