Zerova Jewels ("Zerova", "we", "us", or "our") operates this website and provides gold savings schemes, digital gold and BIS Hallmark jewelry services (the "Services"). This Privacy Policy explains how we collect, use, and share your personal information when you visit our website, enroll in a plan, make a payment, or otherwise communicate with us.
By using the Services, you confirm that you have read and understood this Privacy Policy.
1. Information we collect
Depending on how you interact with us, we may collect:
- Contact details — your name, mobile number, email address, billing and delivery address.
- Identity / KYC information — details you provide for enrollment and verification, as required for gold savings schemes under applicable law.
- Payment information — transaction details and payment confirmations. Card and bank details are handled by our payment processor; we do not store your full card details on our servers.
- Account & plan information — your enrollment details, chosen plan, installment history, target gold rate (if any), and maturity details.
- Communications — messages you send us by WhatsApp, email, phone, or our contact form.
- Device & usage information — IP address, browser/device type, and how you interact with our website, including via cookies and similar technologies.
2. How we collect it
- Directly from you — when you enroll, make a payment, contact us, or otherwise provide information.
- Automatically — from your device when you use our website, through cookies and similar technologies.
- From service providers — such as our payment processor and messaging/delivery partners acting on our behalf.
- From agents or referral partners — where you enroll through an authorised Zerova agent.
3. How we use your information
- To provide the Services — process enrollments and payments, lock gold weight, manage your plan, send reminders, arrange delivery of jewelry at maturity, and operate your dashboard.
- To communicate with you — send payment receipts, installment reminders and account updates by WhatsApp, SMS or email, and respond to your queries.
- For security & fraud prevention — verify your identity (including via OTP) and protect against fraudulent or unauthorised activity.
- For marketing — send offers and updates where permitted; you can opt out at any time.
- For legal reasons — to comply with applicable law and respond to lawful requests.
4. How we share your information
We do not sell your personal information. We may share it with:
- Payment processors (such as Razorpay) to process your payments securely.
- Service providers for hosting, messaging (WhatsApp/SMS/email), logistics and delivery, and analytics, who act on our behalf.
- Authorised agents involved in your enrollment, on a need-to-know basis.
- Authorities where required by law, or to protect our rights and the safety of our customers.
- In a business transfer such as a merger or acquisition, subject to this Privacy Policy.
5. Payments
Payments are processed through trusted third-party payment gateways (such as Razorpay). Your payment is subject to the processor's own terms and privacy policy. We receive confirmation of your transaction but do not store your complete card or bank credentials.
6. Third-party links
Our website may link to other sites we do not operate. We are not responsible for the privacy practices of those sites and encourage you to read their policies.
7. Children's data
The Services are intended for users aged 18 and over. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can remove it.
8. Security & retention
We use reasonable technical and organisational measures to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. We retain your information for as long as needed to provide the Services, comply with legal obligations, and resolve disputes.
9. Your rights & choices
- Access the personal information we hold about you.
- Correct information that is inaccurate.
- Delete information, subject to legal and contractual limits.
- Opt out of marketing communications at any time.
To exercise any of these rights, contact us using the details below. We may need to verify your identity first.
10. Changes to this policy
We may update this Privacy Policy from time to time. We will post the revised version here and update the "Last updated" date above.
For any questions about this Privacy Policy or your information, please reach out using the details below.
This document is provided as a general template for Zerova Jewels and does not constitute legal advice. Please have it reviewed by a qualified legal professional and complete all bracketed details (registered entity name, GST/BIS numbers, registered address) before relying on it.