Privacy Policy

We, Muthoot Exim Private Limited ("MEPL", "We", "Us" or "Our"), carry out Our business operations through Our website (www.buygold.muthoot.com) and Our mobile app (collectively referred to as "Platform"). At MEPL, We respect your privacy and are committed to take reasonable precautions to protect your information and comply with Our obligations related to privacy.

This policy ("Privacy Policy") outlines the manner in which your information is collected by Us through various interactions with you on the Platform, the manner in which the information so collected is used / disclosed/protected by Us.

Please note that this Privacy Policy may be amended or updated from time to time, without prior intimation to you, to reflect changes in Our practices with respect to processing of personal data or changes in applicable law. We encourage you to read this Privacy Policy carefully, and to regularly check it to review any changes that We might make to it.

By accessing the services provided by the Platform, you agree to the collection, use, sharing, disclosing and storage of your information by MEPL in the manner provided in this Privacy Policy.

We collect the details provided by you on registration (if any) together with information We learn about you from your use of Our service and your visits to the Platform.

We may collect the following personally identifiable information about you when you are transacting on the Platform:

First and last name;

Email addresses;

Contact details including mobile phone numbers;

PIN/ZIP code;

Demographic profile (such as your age, gender, date of birth, date of anniversary, date of spouse birthday and address); and

Your opinion on services, products, features, etc. on our Platform.

We also collect certain data as you access and use Our services on the Platform which include the following:

Device information;

Domain server;

Location information;

IP address;

Type of web browser you are using;

Network carrier.

We may also collect information about:

The pages you visit/access;

The links you click on our Platform;

The number of times you access the page; and

Things you view, add to bag, add to wish list.

If you make a purchase, We collect sensitive personal data in connection with the purchase. This data includes your payment mode and name as well as billing, shipping, and contact details.

We may collect additional information in connection with your participation in any schemes, promotions or contests offered by Us and information you provide when giving Us feedback or completing profile forms. We may also monitor customer traffic patterns and Platform use, which enable Us to improve the service We provide to customers.

We use personal information to provide the product and services on the Platform and for general business purposes. Collection of data enables Us to improve your shopping experience. Further, We use your personal information and your contact information to register you on Our Platform, send you registration confirmation, special offers, customized content, recommendations (based on your previous orders, your browsing history and your interests), changes in the service policies or terms of use, event-based communications such as order information, renewal notices, invites, reminders, etc., to troubleshoot problems, to collect monies owed, to measure interest in Our products and services, and to inform you about online offers and customize your experience. In Our efforts to continually improve Our product and service offerings, We analyse demographic information and profile data about users' activity on the Platform. We identify and use your IP address to help diagnose problems with Our server and to administer the Platform.

We may use your information to improve and enhance existing products and develop new offerings, recommendations, advertisements and other communications.

All personal data and information collected by Us is used only for the purpose specified in this Privacy Policy.

We may use cookies and other technologies to remember useful information, record your browsing activity and to provide, protect, and improve Our products and services, such as by personalizing content, offering and measuring advertisements, understanding user behaviour, and providing a safer experience.

You can remove or reject cookies using your browser or device settings, but in some cases doing so may affect your ability to use the Platform/ Our services.

We may share your personal information (on a need-to-know basis) with third parties that provide services, including but not limited to maintenance, analysis, audit, marketing, development, on Our behalf and/or generally in connection with Our Platform offerings, such as website hosting, email services, marketing, fulfilling customer orders, transaction processing, data analytics, providing customer service, and conducting customer research and satisfaction surveys. These service providers have limited access to your information, only to perform these tasks on Our behalf and are obligated to protect your data under law and not to disclose your information for other purposes.

We may also disclose personal information such as name, email, mobile phone number, device information, location, network carrier, etc. available to certain third-party service providers, on a need-to-know basis. This information is shared with the third-party service providers so that We can (a) personalize the Platform for you and (b) perform behavioural analytics.

All of Our approved third party service providers shall be bound by Non-Disclosure Agreements.

We reserve the right to disclose your personal identifiable information as required by law and/or when We believe that disclosure is necessary to protect Our rights and/or comply with a judicial proceeding, legal process or a court order served on Us or to enforce compliance with the policies governing Our services.

We do not sell, share or distribute any personal information with third parties for their own marketing or advertising purposes without your prior express consent.

You agree and acknowledge that Exim and /or its group companies shall have every right to use the Information to initiate the dialogue with You with respect to various products, services and other marketing activities of Exim and/or its group companies. You acknowledge that you are completely aware about the potential risk of data/privacy breach and hereby confirms that you shall be solely liable for any unauthorized use of your login credentials. Hence, you shall exercise utmost caution to ensure that your information is NOT shared/stored/made accessible through:

(i) any physical means with or without your knowledge (disclosure to any person/third party; etc) or

(ii) through any electronic means, by exercising the following precautions/safety measures:

1. You shall always check if “https” appears in any website’s address bar before making any online transaction, to ensure that the webpage is encrypted.

2. You shall avoid using third party extensions, plug-ins, or add-ons on your web browser, as it may result in the risk of tracking or stealing of personal details.

3. You shall always type the information and not use the auto-fill option on web browser to prevent the risk of storage of your personal/sensitive personal information.

4. You shall NOT access darknet, unauthorized/suspicious websites, suspicious online platforms, downloading applications from unreliable sources.

5. You shall ensure to disable cookies before accessing any domain/website, to ensure that your personal information is not tracked by any third party, unless otherwise consciously permitted by you by accepting the same, for which, you are solely responsible for the consequences thereof.

6. You shall NOT respond to any generic emails from an unknown/unidentified source. You shall check the privacy policy of the website/application to know the type of information that may be collected from you and the manner in which it may be processed by the website/application before accepting/proceeding/transaction on any website/application.

7.You shall always verify and install authentic web/mobile applications from reliable source on User’s computer/laptop/tab/ipad/smart phone or any other electronic device.

8. You shall NOT access any unidentified weblinks, bitly link or any other electronic links shared over electronic platform (such as email, sms, social media, websites).

We shall not take any liability or responsibility for any consequences that may arise as result of negligence on your part.

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist Us in operating Our website, conducting Our business, or servicing you, so long as those parties comply with applicable laws and agree to keep this information confidential.

1. Your Personal Information may be transferred to outside parties under following circumstances: We may share the personal information with other Group Companies or other trusted entities or agents or representative who act on Our behalf to call and communicate with you about products offerings through Telephone/Mobile/SMS/Email/Whatsapp.

2. We may share the personal information with the statutory and/or regulatory authorities, government institutions where required for compliance with legal requirement.

3. We may use the personal information to respond to court orders or legal process to establish or exercise Our legal rights or defend against legal claims.

4. We may share the personal information in order to investigate, prevent, or take action against any illegal activities, suspected fraud, or as otherwise required by law.

5. We may share the personal information in order to protect or enforce our rights and claims.

By using our Platform and/or by providing your information, you consent to the collection, sharing, disclosing, storage and use of the information you disclose on the Platform in accordance with the Privacy Policy, including but not limited to your consent for sharing / disclosing of your information as per this Privacy Policy.

Our Platform may contain links to other websitesHowever, please note that once you have used these links to leave Our site, We do not have control over those websites. We are not responsible for the content of such other websites or for the protection and privacy of any information that you provide whilst visiting such sites. This Privacy Policy does not govern such sites. Please exercise caution and look at the privacy policy applicable to the website in question prior to sharing any personal information.

You have the right to access or correct the personal information that We collect. You are also entitled to restrict or object, at any time, to the further processing of your personal information. You may write to Us at ecomsupport@muthootexim.com regarding the personal information collected by Us.

If you believe that any of your information We are holding is incorrect or incomplete, you may write to Us at the above-mentioned email address. We will promptly correct any information which is incorrect in Our records ,provided you give us sufficient proof for such change.

For any of the uses of your personal information described in the Privacy Policy that require your consent, note that you may withdraw your consent by writing to Us at the above-mentioned email address. In the event you refuse to share any information or withdraw consent to process information that you have previously given to Us, We reserve the right to restrict or deny access to the Platform and the provision of Our services for which We consider such information to be necessary.

We store and retain the personal data provided by the users for such period of time as is required to fulfil the purposes for which such information is collected, as outlined in this Privacy Policy, subject to such longer periods of retention as may be required under applicable laws.

Our Platform has in place security measures and standards (as required under applicable law) to protect the loss, misuse, and alteration of the information under Our control. Whenever you access your registered account on the Platform or process a transaction on Our Platform, We offer the use of a secure server. Please beware that, despite Our best efforts, no security system is impenetrable and hence we cannot guarantee that Our Platform shall never be compromised.

Our Platform provides all users with the opportunity to opt out of receiving non-essential (promotional, marketing-related) communications from Us on behalf of Our partners, and from Us in general, after setting up an account. You may delete certain non-mandatory information. You can write to Us at the contact information provided below to assist you with these requests.

MEPL has appointed Avinash U S as the Grievance Officer. Any complaints or grievances relating to processing of the personal data should be sent to the Grievance Officer at avinash.us@muthoot.com