Privacy Policy

Taj Money (“Taj Money”, “we”, “our”, “us”) values the trust you place in us. We are committed to maintaining the highest standards of security and privacy for our users’ information. This Privacy Policy explains how we collect, store, use, share, and protect your personal information when you access or use our website, mobile application, or any of our digital platforms (collectively referred to as the “Platform”).

By accessing or using the Platform, you agree to this Privacy Policy and our Terms & Conditions. If you do not agree, please do not use the Platform.

1. Applicability

This Privacy Policy applies to all users who visit, access, or use any part of the Taj Money Platform or avail any service offered by Taj Money, including gold, investment, or other financial services.

This Policy does not apply to third-party websites, services, or applications that are linked to or integrated with our Platform. We encourage you to review their respective privacy policies.

2. Information We Collect

We collect personal and non-personal information to enable secure and efficient operations and comply with applicable laws and regulations.

(a) Personal Information

Information that can identify you or relate to you personally, such as:

  1. Full name, date of birth, gender, and contact details (mobile number, email address, postal address)
  2. Identity and address proof (e.g., PAN, Aadhaar, passport, voter ID)
  3. Bank account, payment details, UPI ID
  4. Nominee and relationship details (if applicable)
  5. Transaction and investment details
  6. KYC and verification data obtained from authorized agencies

(b) Non-Personal Information

Data that does not directly identify you, including:

  1. Browser type, operating system, device model, IP address, and location
  2. Website or app usage patterns, cookies, and analytics information
  3. Aggregated statistical information

(c) Information from Third Parties

We may receive information about you from:

  1. Payment gateways, financial partners, KYC providers, or regulatory databases
  2. Our affiliates, partners, or vendors involved in providing services on our behalf

3. How We Use the Information

Your data is used to deliver, personalize, and improve our services. Specifically, we use your information to:

  1. Register and verify your account and identity
  2. Facilitate transactions, redemptions, and customer requests
  3. Comply with applicable legal and regulatory requirements (e.g., PMLA, RBI, SEBI, FIU directives)
  4. Send alerts, confirmations, statements, and updates about your transactions or holdings
  5. Provide customer support and resolve queries
  6. Analyze user behavior to improve services, interface, and user experience
  7. Prevent unauthorized access, fraud, or misuse of the Platform
  8. Send marketing or promotional communications (if you have opted in)
  9. Maintain records for accounting, audit, and legal purposes

We process data only for legitimate purposes and with appropriate security safeguards.

4. Disclosure and Sharing of Information

We do not sell or rent your personal data. However, we may share it in limited circumstances with:

  1. Service providers and partners involved in processing payments, storage, logistics, or KYC verification, under strict confidentiality obligations
  2. Regulatory, statutory, or governmental authorities as required by applicable law or legal process
  3. Group companies or affiliates assisting in service delivery, marketing, analytics, or compliance
  4. Professional advisors such as auditors, legal counsel, or consultants bound by confidentiality
  5. Successor entities in case of merger, acquisition, restructuring, or business transfer, subject to continued protection of your data

Each recipient is required to use your data only for legitimate and authorized purposes.

5. Data Storage, Security, and Retention

  1. All personal information is stored securely on servers located within India (or in jurisdictions compliant with Indian data-protection laws).
  2. We employ industry-standard security practices including encryption, firewalls, and restricted access controls.
  3. Taj Money complies with reasonable security practices and procedures as required under the Information Technology Act 2000 and its allied Rules.
  4. We retain your personal data for as long as required to provide services, comply with legal obligations, resolve disputes, or enforce agreements.
  5. Upon expiry of the retention period, data will be deleted, anonymized, or archived securely.

While we take all reasonable precautions, you acknowledge that no system is entirely foolproof and you assume residual risks inherent in digital transmission.

6. Cookies and Tracking Technologies

We use cookies, beacons, tags, scripts, and other similar technologies to:

  1. Identify you when you log into the Platform
  2. Enable Platform functionality