Privacy Policy

AJM DigiGold

Effective Date: July 20, 2026

AJM DigiGold ("AJM DigiGold", "we", "our", or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you use the AJM DigiGold mobile application and related services. By using our application, you agree to the practices described in this Privacy Policy.

For more information about our services, please visit our website: https://aiswaryajewellersmart.com

1. Information We Collect

We may collect the following categories of information:

  • Personal Information
    • Full Name
    • Mobile Number
  • Payment Information
    • Transaction details
    • Payment status
    • Order reference numbers

Payments are securely processed through Razorpay. We do not store your debit card, credit card, UPI PIN, CVV, or banking credentials on our servers.

  • Device Information
    • Android device model
    • Operating System version
    • App version
    • IP Address
    • Device identifiers
  • Usage Information
    • App activity
    • Crash reports
    • Performance diagnostics
    • Log information
  • Notification Information
    • Firebase Cloud Messaging (FCM) Token

Biometric authentication is optional and used only to authenticate you securely on your device. Biometric information remains on your device and is never transmitted to or stored on our servers.

2. How We Use Your Information

Your information may be used to:

  • Create and manage your account.
  • Verify your identity.
  • Provide Gold Savings services.
  • Process payments and transactions.
  • Send OTPs for authentication.
  • Send push notifications, offers, price updates, and important service announcements.
  • Improve app performance, reliability, and security.
  • Respond to customer support requests.
  • Comply with applicable laws and regulations.

3. Information Sharing

We do not sell your personal information.

Your information may be shared only with:

  • Payment gateway providers such as Razorpay for payment processing.
  • Firebase services for notifications, analytics, and crash reporting.
  • Hosting and cloud service providers.
  • Authorized employees and administrators for customer support and transaction management.
  • Government authorities or regulators where required by applicable law.

4. How We Use Your Information

Your information may be used to:

  • Manage your Gold Savings account, including recording your savings, tracking balances, maintaining transaction history, and facilitating gold purchase requests in accordance with our business policies.
  • Process payments and transactions securely through Razorpay. We do not store your debit card, credit card, UPI PIN, CVV, or banking credentials on our servers.

5.Gold Savings Services

AJM DigiGold allows users to save money towards the purchase of gold. Savings made through the application are recorded in your account and managed in accordance with our business policies and applicable laws. Gold prices displayed within the application are subject to market fluctuations and may change without prior notice. The application records customer savings, purchases, transaction history, and related account information to provide Gold Savings services. Users are encouraged to carefully review our Terms & Conditions before making any savings or purchase transactions.

6.Account Deletion

Users may request deletion of their AJM DigiGold account by contacting our customer support. Upon receiving a valid request, we will process account deletion in accordance with applicable legal and regulatory requirements. Certain information, including transaction records, may be retained where required by law, accounting standards, fraud prevention, or regulatory obligations. For account deletion requests, contact: ajm@aiswaryajewellersmart.com

7. Data Security

We implement appropriate technical and organizational security measures, including encrypted communication (HTTPS), secure servers, authentication, and access controls to protect your information against unauthorized access, loss, misuse, or disclosure.

8. Data Retention

We retain personal information only for as long as necessary to provide our services, fulfill legal obligations, resolve disputes, and enforce our agreements.

9. Third-Party Services

Our application uses trusted third-party services, including:

  • Firebase
  • Razorpay

These providers may collect information in accordance with their own Privacy Policies. We encourage you to review their respective privacy policies.

10. App Permissions

The application may request the following permissions:

  • Notifications – to send transaction alerts, offers, and gold price updates.
  • Biometric Authentication – for secure login (optional).
  • Internet Access – to access application services securely.

You may revoke these permissions at any time through your Android device settings.

11. Your Rights

You may have the right to:

  • Access your personal information.
  • Correct inaccurate information.
  • Request deletion of your account, subject to legal and regulatory requirements.
  • Contact us regarding your privacy concerns.

12. Children's Privacy

Our services are not intended for individuals under the age permitted by applicable law. We do not knowingly collect personal information from children.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated Effective Date. Continued use of the application after changes become effective constitutes acceptance of the updated Privacy Policy.

14.Terms & Conditions

By using AJM DigiGold, you agree to our Terms & Conditions available at https://aiswaryajewellersmart.com/terms-and-conditions Please read them carefully before using our services.