Privacy Policy

At B.R. Thanga Maligai (BRT DigiGold), your privacy is of the utmost importance...

• Digital Gold Guidelines
• The chit Funds Act, 1982
• The Information Technology Act, 2000
• Relevant financial laws and BIS standards

Company & Business Details

Authorized Person

Name: Nitin Rajaram Babar

Emails: sales@brtdigigold.com

Mobile Number: +91 98411 81000

Company Address:
No-55/1, N.No. 120/1, Paper Mills Road, Perambur, Chennai, Tamil Nadu - 600011

1. Information We Collect

Personal Data:

• Name, Date of Birth, and Contact Details
• Aadhaar, PAN, and other KYC documentation
• Address and Bank Account Details
• Payment Information (UPI, Debit Card, etc.)

Usage Data:

• Device, browser, and IP information
• Transaction history and savings patterns
• Login time, location (with consent), and preferences

2. Purpose of Data Collection

• Facilitate digital gold and jewellery chit savings transactions
• Manage savings schemes (money-based & weight-based)
• Conduct legally mandated KYC & AML verifications
• Process secure payments
• Notify you of offers, updates, and savings milestones
• Comply with taxation and regulatory requirements

3. Legal & Regulatory Compliance

• Digital Gold Operational Practices
• chit Funds Act, 1982
• Consumer Protection (E-Commerce) Rules, 2020
• IT Act, 2000 and 2021 IT Rules
• BIS standards for gold purity

4. How We Use and Share Your Data

We do not sell your personal data. We may share limited information with:

• Trusted payment gateways
• Vaulting partners for digital gold storage
• Regulatory bodies for compliance
• Tax auditors and legal consultants

All partners are contractually bound to maintain data privacy and security.

5. Data Security Practices

• 256-bit SSL encryption
• OTP and MPIN for authentication
• Role-based staff access control
• Regular audits and data backups

6. Your Rights

You have the right to:

• View, update, or correct your data
• Delete your account and records
• Withdraw marketing consent
• File a data misuse complaint

Contact: sales@brtdigigold.com

7. Cookies and Tracking

We use cookies for:

• Session tracking
• Custom user experience
• Analytics and optimization

You can disable cookies in your browser, but some features may not function properly.

8. Data Retention

Your data is retained:

• As long as your relationship with BRT DigiGold continues
• Up to 7 years after plan completion for legal/audit purposes

9. Children’s Privacy

Our services are not intended for individuals under 18. If such data is collected, it will be deleted immediately.

10. Policy Updates

This policy may be updated periodically. Changes will be posted here with the revised effective date. Continued use implies acceptance.

Contact Information

Your Trust, Our Commitment
At BRT DigiGold, we honour your trust with privacy, security, and complete transparency in every transaction.