Effective Date: 22-02-2026
This Privacy Policy describes how ExGold (“Company”, “we”, “our”, “us”) collects, uses, processes, and protects your personal information when you access or use our website or mobile application (collectively referred to as the “Platform”).
By using our Platform, you consent to the practices described in this Privacy Policy.
1. Business Information
Business Name: ExGold
Email: support@exgold.in
Mobile: +91-9361233383
2. Information We Collect
We may collect the following types of information:
A. Personal Information
- Full Name
- Mobile Number
- Email Address
- Billing/Shipping Address
- Date of Birth (if applicable)
- PAN details (if required for regulatory compliance)
B. Transaction Information
- Purchase details
- Digital gold buy/sell records
- SIP plan details
- Payment reference numbers
C. Technical Information
- IP address
- Browser type
- Device information
- Location data (if permitted)
- Cookies and usage analytics
3. Legal Basis for Processing
We process personal data for:
- Performing contractual obligations (order processing, service delivery)
- Compliance with applicable Indian laws
- Fraud prevention and security
- Legitimate business interests
- User consent (for marketing communication)
4. Payment Processing & Security
All payment transactions on ExGold are processed through authorized and secure third-party payment gateway providers.
- We do not store or process card details, UPI PINs, or banking credentials on our servers.
- Payment gateways used by us are PCI-DSS compliant and follow industry-standard security protocols.
- By initiating a payment, you consent to the sharing of necessary transaction information with authorized payment service providers for processing.
ExGold shall not be liable for technical failures originating from third-party payment processors.
5. Use of Information
Your information is used for:
- Processing orders and transactions
- Digital gold purchase/sale facilitation
- Customer support
- Sending transaction alerts
- Regulatory compliance
- Improving platform performance
- Fraud detection and risk management
Marketing communication is sent only with your explicit consent.
6. Digital Gold Risk Disclosure
If you purchase digital gold through ExGold:
- Gold prices are market-linked and may fluctuate.
- Digital gold is not currently regulated by RBI or SEBI.
- Returns are not guaranteed.
- Users engage in transactions at their own discretion.
7. Data Sharing
We do not sell, rent, or trade personal data.
We may share information with:
- Payment gateway providers
- Digital gold partners/custodians
- KYC verification service providers
- Delivery/logistics partners
- Legal or regulatory authorities (if required by law)
All third parties are contractually obligated to protect user data.
8. Data Retention
We retain personal data:
- As long as your account is active
- As required for legal and regulatory compliance
- For fraud prevention and dispute resolution
Users may request deletion of their account, subject to legal obligations.
9. Cookies & Tracking
We use cookies and similar technologies to:
- Improve user experience
- Analyze site traffic
- Prevent fraud
Users can manage cookie preferences through browser settings.
10. Data Security
We implement reasonable technical and organizational safeguards including:
- Secure servers
- Encryption protocols
- Restricted access controls
However, no internet transmission is 100% secure. Users acknowledge this inherent risk.
11. User Rights
You may:
- Request access to your personal data
- Request correction of inaccurate data
- Withdraw marketing consent
- Request account deletion
To exercise these rights, contact: support@exgold.in
We aim to respond within 30 working days.
12. Grievance Officer
In accordance with applicable laws:
Grievance Officer Name: [Insert Name]
Email: support@exgold.in
Contact Number: +91-XXXXXXXXXX
Response Time: Within 48 working hours
13. Third-Party Links
Our Platform may contain links to third-party websites. We are not responsible for their privacy practices.
14. Changes to this Policy
We may update this Privacy Policy periodically. Updated versions will be posted on this page with a revised effective date.
Continued use of the Platform constitutes acceptance of the updated policy.