Privacy Policy

STARTGOLD CAPITAL SOLUTIONS PRIVATE LIMITED

This Privacy Policy explains how STARTGOLD CAPITAL SOLUTIONS PRIVATE LIMITED ("STARTGOLD", "Company", "We", "Us", "Our", or "Platform") collects, uses, stores, shares, and protects your personal data when you use our mobile application, website, and related products and services. This policy is drafted in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable Google Play policies.

By accessing or using our Platform, you agree to the collection and use of your information as described in this Privacy Policy.

1. Scope

This Privacy Policy applies to all personal data processed in digital form through STARTGOLD's products, services, and platforms. It governs the processing of data of all users, including registered members, visitors, and prospective users.

2. Role of the Company

STARTGOLD acts as a Data Fiduciary under the DPDP Act, 2023. We determine the purpose and means of processing your personal data. Where applicable, we may engage trusted third-party Data Processors (such as KYC partners, payment gateways, and cloud service providers) to process data on our behalf.

3. Information We Collect

We may collect the following categories of information:

a. Personal Identifiers

  • Full Name
  • Mobile Number
  • Email Address
  • Date of Birth
  • Gender
  • Residential Address

b. Legal and Financial Information

  • PAN (Permanent Account Number)
  • Aadhaar Number (for KYC verification)
  • Bank Account Details
  • UPI ID
  • Transaction History
  • Investment Records

c. Device and Usage Information

  • IP Address
  • Device Type, OS, and Browser Type
  • App Version
  • Click-stream Data and In-app Behavior
  • Crash Logs and Performance Data

d. Location Data

  • Precise and/or approximate location (collected only with explicit user consent)

e. Communication Data

  • Messages sent through in-app support
  • Feedback and reviews
  • Emails or calls to support

f. KYC-Related Data

  • Photographs and selfies
  • Video KYC recordings
  • Document images (PAN card, Aadhaar, etc.)

g. SMS and Contacts

  • SMS access (with explicit consent) for OTP auto-read
  • Contact list access (with explicit consent) for referral features

h. App Metadata

  • Installed app metadata and session data used for fraud detection and security purposes

4. Purpose of Processing

We process your personal data for the following purposes:

  • Service Delivery: To create and manage your account, enable gold buying/selling, SIP, staking, and related services
  • Compliance: To comply with applicable laws including AML/KYC regulations and DPDP Act requirements
  • Protection & Security: To detect and prevent fraud, unauthorized access, and other illegal activities
  • Communication: To send transactional updates, promotional offers (with consent), and service-related notifications
  • Product Improvement: To analyze usage patterns, improve user experience, and develop new features
  • Personalization: To tailor content and recommendations based on your preferences and activity

6. Data Sharing

We may share your personal data with:

  • Service Providers: Payment gateways, cloud hosting, KYC verification partners, analytics providers
  • Business Partners: Gold supply partners (e.g., MMTC-PAMP, Augmont) and banking/financial partners
  • Legal Authorities: When required by law, court order, or regulatory direction
  • Corporate Transactions: In the event of a merger, acquisition, or restructuring

STARTGOLD does not sell your personal data to any third party.

7. Data Storage & Cross-Border Transfers

Your data may be stored on servers located in India or in other countries where our service providers operate. In all cases, we ensure adequate safeguards are in place to protect your data in accordance with the DPDP Act.

8. Data Security

We implement industry-standard security measures to protect your personal data, including:

  • SSL/TLS encryption for data in transit
  • AES-256 encryption for data at rest
  • Secure cloud infrastructure with access controls
  • Regular security audits and vulnerability assessments
  • Role-based access control for internal systems

9. Data Retention

We retain your personal data for as long as your account is active or as needed to provide you services. After account deletion or deactivation, we may retain certain data for up to 10 years to comply with legal obligations, including Anti-Money Laundering (AML) regulations, tax laws, and other statutory requirements.

10. Your Rights

Under the DPDP Act, 2023, you have the following rights:

  • Right to Access: Request information about the personal data we hold about you
  • Right to Correction & Erasure: Request correction of inaccurate data or erasure of data no longer necessary
  • Right to Grievance Redressal: File complaints regarding data processing
  • Right to Nomination: Nominate an individual to exercise your rights in case of death or incapacity
  • Right to Withdraw Consent: Withdraw your consent at any time

11. Grievance Redressal & Contact

If you have any concerns or complaints regarding the processing of your personal data, you may contact our Grievance Officer:

Grievance Officer Email grievances@startgold.com
Support Email support@startgold.com
Phone +91 91596 91599
Address #477-482, Anna Salai, 1st Floor, Khivraj Complex-2, Chennai 600 035, Tamil Nadu, India

12. Personal Data Breach

In the event of a personal data breach, STARTGOLD will promptly assess the impact and notify the Data Protection Board of India and affected users where required under the DPDP Act.

13. Third-Party Services and Links

Our Platform may contain links to third-party websites or integrate third-party SDKs (such as Firebase, MoEngage, etc.). STARTGOLD is not responsible for the privacy practices or content of these external services. We encourage you to review their privacy policies independently.

14. Children's Privacy

STARTGOLD's services are not intended for individuals under the age of 18 years. We do not knowingly collect personal data from minors. If we become aware that a minor has provided us with personal data, we will take steps to delete such information.

15. Your Privacy Rights

By using the STARTGOLD Platform, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and sharing of your personal data as described herein. You also acknowledge your rights as a Data Principal under the DPDP Act, 2023.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a new "Last Updated" date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

17. Contact Information

For any questions or concerns regarding this Privacy Policy, please contact us at:

  • Email: support@startgold.com
  • Phone: +91 91596 91599
  • Address: #477-482, Anna Salai, 1st Floor, Khivraj Complex-2, Chennai 600 035, Tamil Nadu, India