Privacy Policy

Information We Collect

We collect the following categories of personal information to operate and improve our services:

• Identity data: Name, date of birth, PAN, Aadhaar (for KYC compliance)
• Contact data: Mobile number, email address
• Financial data: Bank account details, UPI ID, transaction history
• Device data: Device ID, IP address, OS version, app usage data
• Location data: Approximate location (only when permitted by the user)

KYC details are collected to comply with RBI and PMLA regulatory requirements for digital gold transactions.

How We Use Your Data

Webmoon Technologies Private Limited uses your data strictly for the following purposes:

• Creating and maintaining your digital gold locker account
• Processing buy, sell, and redemption transactions
• Sending transaction alerts, OTPs, and account notifications
• Fulfilling KYC and regulatory compliance obligations
• Detecting and preventing fraud or unauthorised access
• Improving app performance and personalising your experience
• Responding to customer support queries

We do not use your data for unsolicited marketing without your explicit consent.

Data Sharing & Disclosure

We do not sell your personal data to third parties. We share data only in the following limited circumstances:

• Payment gateways: To process transactions securely
• Gold vault partners: To allocate and store physical gold on your behalf
• KYC verification partners: To fulfil identity verification requirements
• Regulatory authorities: When required by law (RBI, Income Tax, PMLA)
• Legal proceedings: When disclosure is mandated by a court order

All third-party partners are bound by confidentiality agreements and data protection obligations.

Data Storage & Retention

Your data is stored on secure servers located in India. We retain personal data for as long as your account is active or as required by applicable law. Upon account closure, data may be retained for up to 7 years to meet statutory obligations under Indian law.

Security Measures

Webmoon Technologies Private Limited employs the following safeguards to protect your data:

• 256-bit SSL/TLS encryption for all data in transit
• Encrypted storage for sensitive fields (PAN, Aadhaar, bank details)
• Two-factor authentication (OTP) for account access and transactions
• Continuous transaction monitoring for suspicious activity
• Regular security audits and vulnerability assessments

While we employ industry-standard security measures, no system can guarantee absolute security. Please safeguard your login credentials and do not share your OTP with anyone.

Your Rights

As a user, you have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you
• Correction: Update inaccurate or incomplete information via app settings
• Deletion: Request deletion of your account and associated data (subject to legal retention obligations)
• Opt-out: Withdraw consent for marketing communications at any time
• Grievance redressal: Lodge a complaint with our support team

To exercise any of these rights, contact us at support@meeragold.com.

Cookies & Tracking

Our website uses cookies to enhance your browsing experience, analyse traffic, and remember preferences. You can disable cookies in your browser settings; however, some features of the website may not function correctly without them. The Meera DigiGold mobile app does not use browser cookies.

Changes to This Policy

Webmoon Technologies Private Limited reserves the right to update this Privacy Policy at any time. Changes will be notified via the app or email. Continued use of the platform after any update constitutes acceptance of the revised policy.

Contact & Grievance Officer

For any privacy concerns, data requests, or grievances, please contact us:

• Webmoon Technologies Private Limited
• No.5, 4th Floor, 100ft Road, Banasawadi, Bangalore – 560043, Karnataka, India
• support@meeragold.com
• +91 8884021021
• www.meeradigigold.com

We will respond to all privacy-related queries within 7 business days.