Privacy Policy

1. Data Fiduciary and Scope

For the personal data covered by this Policy, JRK Bullion (OPC) Private Limited is the entity that determines why and how the data is processed. Our registered office is Ground Floor, Office No. 9, Popular Arcade, Tata Road No. 1, Opera House, Mumbai - 400004, Maharashtra, India. This Policy applies to the Website, customer accounts, enquiries, orders, KYC and verification, payments, delivery, support and related communications.

2. Personal Data We May Collect

• Identity and KYC data: such as name, date of birth, PAN and identity or address documents where required.
• Contact data: such as email address, telephone number, billing address and delivery address.
• Account and authentication data: such as login identifiers, encrypted passwords, one-time-password records and account preferences.
• Order and transaction data: such as products, quantities, bullion rate, invoice, payment status, refunds and delivery records.
• Payment-related data: supplied to banks or payment processors. We generally do not store complete card or bank credentials.
• Communications and evidence: such as enquiries, complaints, calls, emails, photographs, parcel-opening videos or documents submitted for a claim.
• Technical and usage data: such as IP address, device and browser details, log data, pages viewed, timestamps, cookies and similar technologies.
• Fraud, security and compliance data: generated through verification, screening and risk-control processes.

3. How We Collect Data

We collect personal data directly from you when you register, order, pay, request support, submit documents or communicate with us. We may also receive data from payment providers, banks, delivery partners, verification providers, analytics services and other service providers, as permitted by law.

4. Why We Use Personal Data

• To create and manage accounts and authenticate users.
• To verify identity, address, payment and transaction eligibility.
• To display prices, process orders and payments, issue invoices and provide insured delivery.
• To communicate order updates and respond to enquiries, complaints, claims and legal requests.
• To prevent fraud, secure the Website, investigate misuse and protect customers and the Company.
• To maintain tax, accounting, transaction and compliance records.
• To analyse and improve the Website, products, customer service and business operations.
• To send marketing communications where you have consented or where otherwise permitted by law, with an option to opt out.

5. Consent and Lawful Processing

We process personal data with your consent where consent is required and for uses permitted or required by applicable law, including fulfilling orders, complying with legal obligations and preventing fraud. You may withdraw consent for future consent-based processing by contacting us. Withdrawal will not affect processing already carried out lawfully and may prevent us from providing a requested service.

6. Cookies and Similar Technologies

We may use essential cookies for login, security, cart and checkout functions, and optional analytics or preference cookies to understand and improve Website use. Where required, we will request consent for non-essential cookies. You can manage cookies through available Website controls or your browser, but blocking essential cookies may prevent parts of the Website from working.

7. How We Share Personal Data

We may share only the data reasonably necessary with payment processors, banks, insurers, logistics and delivery providers, hosting and technology providers, KYC or fraud-prevention providers, professional advisers, auditors and government or law-enforcement authorities where required or permitted by law. Service providers are expected to use personal data only for the authorised purpose and to apply appropriate safeguards.

We do not sell personal data. If the business is reorganised, merged or transferred, personal data may be transferred as part of that transaction subject to applicable law and appropriate safeguards.

8. Cross Border Processing

Some technology or service providers may process data outside India. Where cross-border processing occurs, we will take reasonable steps to comply with applicable Indian law and any notified restrictions, and to require appropriate contractual and security safeguards.

9. Retention

We retain personal data only for as long as reasonably necessary to fulfil orders, provide support, prevent fraud, maintain tax and accounting records, comply with law and resolve disputes. When retention is no longer required, we will delete, anonymise or securely dispose of the data, unless continued retention is required by law.

10. Security

We use reasonable administrative, technical and organisational safeguards designed to protect personal data against unauthorised access, loss, misuse, alteration or disclosure. No internet transmission or storage system is completely secure, so absolute security cannot be guaranteed. Please protect your password and one-time passwords and notify us promptly of suspected account misuse.

11. Your Rights and Choices

Subject to applicable law, you may request information about your personal data, correction or updating of inaccurate or incomplete data, erasure where retention is no longer necessary or legally required, withdrawal of consent for future processing, and grievance redressal. We may need to verify your identity before acting on a request. You may also nominate another individual to exercise applicable rights in the event of death or incapacity where the law provides for nomination.

You can opt out of promotional email or messages using the unsubscribe method provided or by contacting us. Transactional and service messages relating to an order may still be sent.

12. Privacy Questions and Requests

For a privacy question or request, contact us at info@jrkbullion.com or +91 9820119619. Please include enough information for us to identify the request and respond. Consumer grievance-officer information will be displayed separately on the Website before customer ordering is enabled, as required by applicable law.

13. Children

The Website is not intended for persons who are not legally capable of entering into a purchase contract. We do not knowingly seek personal data from children for independent bullion purchases. If you believe a child has provided personal data without appropriate authority, contact us so we can review and take appropriate action.

14. Third Party Websites

The Website may link to third-party websites or services. Their privacy practices are governed by their own policies, and we are not responsible for those independent practices.

15. Changes to This Policy

We may update this Policy when our processing, services or legal obligations change. We will post the revised Policy with an updated date and provide any further notice required by law.