Privacy Policy
Here is the exhaustive and legally comprehensive Master Privacy Policy for Kalyani Ornaments Private Limited, drafted entirely in English. It matches the depth and standard of top-tier fintech and e-commerce platforms, incorporating all your specific business details, the 11+1 savings plan, and regulatory compliance.
MASTER PRIVACY POLIC
KALYANI ORNAMENTS PRIVATE LIMITED
Effective Date: January 01, 2026
Last Updated: March 30, 2026
This Master Privacy Policy (“Privacy Policy” or “Policy”) governs the data collection, processing, and protection practices of Kalyani Ornaments Private Limited (hereinafter referred to as "Company", "We", "Us", or "Our") operating through its website and mobile application (collectively referred to as the “Platform”).
Our Registered Office is located at Abhinandan Complex, Natthanpur, Ring Road, Jogiwala, Dehradun, Uttarakhand, 248005. Our GSTIN is 05AALCK9043R1ZR.
By registering on the Platform, purchasing Digital Gold, subscribing to the Kalyani 11+1 Gold Savings Plan, or buying physical jewelry, you agree to the terms outlined in this document. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, PLEASE DO NOT USE OUR PLATFORM OR SERVICES.
1. INTRODUCTION AND OBJECTIVE
1.1. Purpose: This Policy is published in accordance with the provisions of the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection (DPDP) Act. 1.2. Scope: This document details how we collect, store, process, and transfer your Personal Information (PI) and Sensitive Personal Data or Information (SPDI) to facilitate seamless jewelry e-commerce and digital bullion trading.
2. INFORMATION WE COLLECT
To provide our Services efficiently, we collect various categories of data when you interact with the Platform:
2.1. Identity Information:
First Name and Last Name.
Date of Birth (to verify that you are 18 years of age or older).
Gender and Marital Status.
Profile photographs (if voluntarily uploaded).
2.2. Contact Information:
Registered Mobile Number (mandatory for OTP verification).
Email Address (for invoices and official communication).
Billing Address and Delivery/Shipping Address (required for the physical delivery of gold, silver, diamonds, and gemstones).
2.3. KYC (Know Your Customer) & Statutory Data:
As a registered corporate entity trading in precious metals, we are mandated by the Prevention of Money Laundering Act (PMLA) and RBI guidelines to collect:
PAN Card Details: Mandatory for high-value transactions or cumulative wallet limits.
Identity & Address Proofs: Aadhaar Card, Voter ID, or Passport (verified via third-party agencies like Digilocker).
Form 60: In the event a PAN Card is unavailable.
2.4. Financial Information:
Bank Account Details (Account Number, Bank Name, IFSC Code).
UPI IDs (Virtual Payment Addresses) and Auto-Pay Mandate details.
Note: We do not store your Credit/Debit Card CVV or PIN on our servers. This data is securely processed by our PCI-DSS compliant Payment Gateway partners.
2.5. Transaction & Savings Plan Data:
Records of Digital Gold and Silver purchased (measured in grams/milligrams).
Tracking data for the Kalyani 11+1 Gold Savings Plan, including records of your monthly ₹2,000 installments and the computation of your ₹24,000 maturity benefit in the 12th month.
Order history, invoices, tax deductions, and refund statuses.
2.6. Technical & Device Information:
IP (Internet Protocol) address.
Device details (Operating System, Hardware Model, Unique Device Identifiers).
Browser type, time-zone settings, and precise/approximate geolocation (if location permissions are granted).
2.7. Usage & Behavioral Data:
Time spent on the Platform and interaction with specific jewelry categories (e.g., Antique Jewelry, Diamond Rings).
Clickstream data, app crashes, and system activity logs.
3. METHODS OF DATA COLLECTION
We collect your data through the following channels:
3.1. Direct Interactions:
When you create an account, complete your KYC, set up an Auto-Pay mandate for the 11+1 Savings Plan, or contact our customer support team.
3.2. Automated Technologies:
Through the use of Cookies, Web Beacons, and Log Files that automatically record your browsing behavior on our Platform.
3.3. Third-Party Sources:
From our Payment Gateways (for payment success/failure statuses), Logistics Partners (for delivery confirmation), and Identity Verification Partners (for KYC authentication).
4. PURPOSES OF DATA PROCESSING
We use your data solely for lawful purposes, which include:
4.1. Service Fulfillment:
To create, authenticate, and manage your User Account.
To process your purchases of Digital Gold, Silver, and Physical Jewelry.
To specifically track and manage your 11+1 Gold Savings Plan, ensuring accurate monthly deductions of ₹2,000 and timely fulfillment of the ₹24,000 maturity reward.
To facilitate doorstep delivery of physical ornaments.
4.2. Legal & Regulatory Compliance:
To comply with AML (Anti-Money Laundering) laws, KYC directives, and tax reporting requirements (including GST invoicing).
To respond to lawful requests from government authorities, law enforcement agencies, or courts.
4.3. Communication & Support:
To send transactional alerts (OTPs, order confirmations, shipping updates).
To resolve grievances, disputes, and respond to customer service inquiries.
4.4. Marketing & Personalization:
To recommend customized jewelry designs based on your browsing history.
To send promotional offers, festive discounts, or updates regarding new schemes via SMS, Email, or WhatsApp. (You may opt-out of marketing communications at any time).
5. DATA SHARING AND DISCLOSURE
Kalyani Ornaments does not sell your personal data. We strictly share data on a "need-to-know" basis with trusted partners to facilitate our Services:
5.1. Bullion Partners & Vault Custodians: To ensure the safe-keeping of your digital gold, we share necessary identifiers with our designated bullion partners and independent vault custodians (e.g., Brink’s India). 5.2. Payment Processors & Banks: We share financial identifiers with UPI aggregators and banking partners to process your monthly installments and outright purchases. 5.3. Logistics & Delivery Partners: Your Name, Address, and Phone Number are shared with courier partners (e.g., BlueDart, Shiprocket) to ensure the secure delivery of your physical jewelry. 5.4. IT & Surveillance Partners: Data is securely hosted on our cloud servers (e.g., AWS, Google Cloud) managed by our IT and network security vendors. 5.5. Business Transfers: In the event of a merger, acquisition, or restructuring of Kalyani Ornaments Private Limited, user data may be transferred as a business asset.
6. DATA SECURITY PRACTICES
We implement stringent security measures to protect your Sensitive Personal Data or Information (SPDI):
Encryption: Data transmitted between your device and our servers is protected using 256-bit SSL encryption.
Access Controls: Internal access to your data is strictly limited to authorized employees of Kalyani Ornaments who require it to perform their duties.
Payment Security: We do not store sensitive card data; all transactions are routed through PCI-DSS compliant gateways.
Authentication: Multi-Factor Authentication (OTP) is required for critical actions, such as logging in, updating bank details, or initiating gold withdrawals.
Disclaimer: While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet is 100% secure. You are responsible for maintaining the confidentiality of your login credentials.
7. DATA RETENTION POLICY
Active Accounts: We retain your data for as long as your account is active to provide you with our Services.
Regulatory Retention: Even if you delete your account, we are legally mandated to retain financial transaction records, GST invoices, and KYC data for a period of 5 to 8 years under the PMLA, Companies Act, and Income Tax Act guidelines.
Once the statutory retention period expires, your data will be securely deleted or permanently anonymized.
8. YOUR PRIVACY RIGHTS
Subject to applicable Indian laws, you have the following rights regarding your data:
Right to Access: You may review the information you have provided by visiting the 'Profile' section of the App.
Right to Rectification: You can update or correct inaccurate data (e.g., changing your delivery address). Certain updates, like PAN or Bank details, may require customer support verification.
Right to Withdraw Consent: You can opt-out of marketing communications at any time by clicking "Unsubscribe" in our emails or updating your App preferences.
Right to Erasure (Right to be Forgotten): You may request the deletion of your account. Note: Accounts with active 11+1 Savings Plans must be closed, matured, or settled before deletion can be processed.
9. COOKIES POLICY
Our Platform utilizes Cookies to enhance your experience:
Session Cookies: Temporary cookies that keep you logged in while you navigate the App.
Persistent Cookies: Stored on your device to remember your preferences (e.g., saved jewelry designs in your cart).
Analytics Cookies: Used to analyze user traffic and app performance.
You can disable cookies through your browser/device settings, but this may limit certain functionalities of the Platform.
10. THIRD-PARTY LINKS
The Platform may contain links to external websites (such as payment gateway portals). Once you leave our Platform, this Privacy Policy no longer applies. We are not responsible for the privacy practices or content of third-party websites.
11. CHILDREN'S PRIVACY
Our Services are strictly intended for individuals who are 18 years of age or older. We do not knowingly collect personal data from minors. If we discover that a minor has provided us with personal data without verifiable parental consent, we will take immediate steps to delete such information.
12. AMENDMENTS TO THIS POLICY
Kalyani Ornaments Private Limited reserves the right to amend or update this Privacy Policy at any time to reflect changes in legal or regulatory requirements. Any significant changes will be communicated to you via Email, SMS, or an in-app notification. The "Last Updated" date at the top of this document will reflect the effective date of the latest version.
13. GRIEVANCE REDRESSAL MECHANISM
In compliance with the Information Technology Act, 2000, and applicable data protection laws, if you have any questions, concerns, or grievances regarding this Privacy Policy or the processing of your data, please contact our designated Grievance Officer:
Name of Grievance Officer: Mr. Vishal Kumar Verma
Designation: Director & Grievance Officer
Email Address: support@kalyanii.com
Mobile Number: +91-8630426176
Registered Office Address: Kalyani Ornaments Private Limited, Abhinandan Complex, Natthanpur, Ring Road, Jogiwala, Dehradun, Uttarakhand, 248005.
Resolution Timeline: Our team will acknowledge your grievance within 48 hours and strive to resolve the issue within 30 days from the date of receipt.
USER DECLARATION:
By choosing to use the Kalyani Ornaments Platform, registering an account, or subscribing to our Services, you explicitly acknowledge that you have read, understood, and agreed to the practices described in this Master Privacy Policy. You hereby grant your unequivocal consent to Kalyani Ornaments Private Limited to collect, process, store, and share your data as outlined herein.
KALYANI ORNAMENTS PRIVATE LIMITED Trust in Every Grain of Gold (Incorporated under the Companies Act, 2013 | GSTIN: 05AALCK9043R1ZR)