At Pandit Jewellers (PJ Gold Expert), your privacy matters deeply to us. This Privacy Policy explains how we collect, use, protect, and handle your personal information when you use our gold valuation services, visit our website, or interact with us through banks and financial institutions across Delhi NCR. By using our services, you agree to the practices described in this policy.
Section 01
Information We Collect
We may collect the following types of information when you engage with our services or visit our website:
- Personal Identification: Full name, phone number, email address, and physical address provided during service requests or consultations.
- Identity Documents: Government-issued ID proof (Aadhaar, PAN, Voter ID) required for gold valuation and certification purposes.
- Gold & Jewellery Details: Description, weight, purity, photographs, and hallmark information of gold items submitted for valuation.
- Bank Referral Data: Name and branch details of the referring bank or financial institution, loan reference numbers, and officer contact information.
- Communication Records: Phone call logs, WhatsApp messages, emails, and any written correspondence related to your valuation request.
-
Location Data: Disclosed
We collect precise and approximate location data from authorised users of the PJ Gold Expert mobile application. Location data is used to verify field visits, track visit activity, validate service locations, maintain operational records, and improve field workforce management. When enabled by the user, the application may access location data while the app is in use and, where required for active field operations, in the background. Users can control location permissions through their device settings at any time.
- Website Data: Browser type, IP address, pages visited, time spent, and device information collected through standard web analytics.
Section 02
How We Use Your Information
The information we collect is used strictly for legitimate business purposes:
- Service Delivery: To perform gold purity testing, generate certified valuation reports, and complete the appraisal process requested by you or your bank.
- Bank Coordination: To communicate valuation results, share certified reports with the referring bank, and facilitate gold loan processing.
- Record Keeping: To maintain accurate records of valuations performed, as required by industry regulations and for dispute resolution.
- Service Improvement: To enhance our valuation processes, customer experience, and overall service quality.
- Communication: To respond to your inquiries, send appointment confirmations, and provide updates on your valuation status.
- Location-Based Services: To verify field visits, track visit activity, validate service locations, maintain operational records, and support field workforce management for authorised PJ Gold Expert app users.
- Legal Compliance: To comply with applicable laws, regulations, and government directives related to gold trade and financial services in India, including the DPDPA 2023.
Section 03
Gold Valuation Data
As trusted gold expert valuers, we handle sensitive financial and asset data. We want you to understand how this specific data is managed:
All gold valuation reports, purity test results, and jewellery assessments are treated as confidential financial documents. They are stored securely and shared only with the customer and the authorised referring bank or institution.
Valuation photographs and detailed item descriptions are retained for a period of 7 years from the date of assessment, in compliance with Indian financial record-keeping requirements. After this period, records are securely destroyed.
We do not sell, trade, or publicly disclose any gold valuation data, item descriptions, or customer financial information under any circumstances.
Section 04
Information Sharing & Disclosure
We do not sell or rent your personal information. However, we may share data in the following limited circumstances:
- With Banks & NBFCs: Valuation reports and relevant data are shared with the referring financial institution solely for the purpose of loan processing and gold authentication.
- Legal Requirements: When required by law, court order, or government authority, including the Bureau of Indian Standards (BIS), Reserve Bank of India (RBI), or law enforcement agencies.
- Professional Advisors: With our legal counsel, auditors, or compliance consultants who are bound by strict confidentiality obligations.
- Business Transfers: In the event of a merger, acquisition, or sale of business assets, your data may be transferred as part of the transaction with equivalent privacy protections.
Location information is not sold or shared with third parties for advertising purposes. It is used only for legitimate business operations and may be shared with authorised banks, financial institutions, or regulatory authorities when required for service delivery or legal compliance.
Section 05
Data Security
We implement robust security measures to protect your personal and financial information:
- Physical valuation records are stored in secure, access-controlled facilities at our premises.
- Digital records are protected with industry-standard encryption and access controls.
- Only authorised personnel with verified identity can access customer valuation data.
- Regular security audits and reviews are conducted to ensure data protection standards are maintained.
- All staff members are trained on data privacy practices and bound by non-disclosure agreements.
While we take every reasonable precaution to secure your data, no system is completely immune to breaches. In the unlikely event of a data incident, we will notify affected individuals and relevant authorities promptly in accordance with the DPDPA 2023.
Section 06
Cookies & Website Tracking
Our website may use cookies and similar technologies to improve your browsing experience. These include:
- Essential Cookies: Required for basic website functionality such as page navigation and form submissions.
- Analytics Cookies: Used to understand how visitors interact with our website, helping us improve content and user experience.
- Marketing Cookies: May be used to deliver relevant information about our gold valuation services based on your browsing activity.
-
Location Permissions: Disclosed
The PJ Gold Expert mobile application may request access to your device's location while the app is in use. Where required for active field operations, background location access may also be requested. Location permissions are used exclusively for field visit verification, service location validation, and operational record-keeping. You can control or revoke location permissions at any time through your device settings.
You can manage cookie and permission preferences through your browser settings. Disabling cookies may affect certain website features.
Section 07
Your Rights
Under the Digital Personal Data Protection Act, 2023 (DPDPA) and other applicable Indian data protection laws, you have the following rights regarding your personal information:
- Right to Access: Request a copy of the personal data we hold about you, including any location data collected.
- Right to Correction: Request correction of inaccurate or incomplete personal information.
- Right to Deletion: Request deletion of your personal data, subject to legal retention requirements.
- Right to Withdraw Consent: Withdraw previously given consent for data processing — including location access — at any time, without affecting the lawfulness of prior processing.
- Right to Grievance Redressal: Lodge a complaint with our Grievance Officer or the Data Protection Board of India.
To exercise any of these rights, please contact our Grievance Officer using the details provided at the bottom of this page. We will respond within the timelines prescribed under applicable law.
Section 08
Third-Party Links
Our website may contain links to third-party websites, including partner banks and financial institutions. Pandit Jewellers is not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party website you visit through links on our site.
Section 09
Children's Privacy
Our gold valuation services are designed for adults. We do not knowingly collect personal information — including location data — from individuals under the age of 18. If we discover that a minor's information has been collected without proper parental consent, we will take immediate steps to delete it from our records.
Section 10
Policy Updates
Pandit Jewellers reserves the right to update this Privacy Policy at any time. Changes will be reflected on this page with an updated revision date. Material changes — including any new categories of data collected such as additional device permissions — will be communicated to users via email or a prominent notice on our website prior to taking effect.
Continued use of our services after changes to this policy constitutes acceptance of the updated terms.
