Privacy Policy

SvarnaCash (referred to as "we," "our," or "us") is a mobile application developed and operated by Finance Rupay. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal, background verification, and financial information when you use our mobile application ("SvarnaCash").

By downloading, accessing, or using the SvarnaCash app, you agree to the collection and use of your information in accordance with this policy.

1. Information We Collect

We collect the following categories of information to provide, maintain, and optimize our gold valuation, doorstep pickup, and instant payout services:

1.1 Customer Information

• Account Information: Full name, registered mobile phone number, and email address for OTP-based authentication, user profile management, and account security.
• Address & Doorstep Details: Full residential or business address, street landmarks, and pin code required for scheduling doorstep gold valuation appointments.
• Customer KYC Verification Data: Government identity proofs (PAN card number, Aadhaar card number, and uploaded photos) as mandated by Indian anti-money laundering (PMLA) regulations for gold transactions.

1.2 Rider & Valuation Executive Verification Data (Field Partners)

To ensure customer safety, protect high-value asset transit, and comply with regulatory security standards, we collect mandatory background check and onboarding data from field executives (Riders):

• Driving Licence (DL): Driving licence number, front photo, and back photo to verify driver identity and vehicle authorization.
• Police Verification Certificate: Official police verification certificates (Page 1 & Page 2 photos) confirming clear background checks and absence of criminal records for handling precious assets.
• Vehicle & Van Transit Details: Assigned vehicle registration number and transportation details for high-value doorstep collection logistics.
• Rider Government KYC: Aadhaar card (front & back) and PAN card for tax compliance and contract validation.

1.3 Financial & Transaction Information

• Bank & Payout Details: Bank account number, IFSC code, account holder name, and UPI ID provided voluntarily to disburse instant sale proceeds directly to your account.
• Valuation & Gold Item Details: Gold weight, purity/karat measurements, valuation breakdown, inspection receipts, and digital invoices.

1.4 Device, Location & Permission Data

• Precise Location (GPS):
  • Customers: Collected with explicit permission to accurately identify doorstep pickup locations.
  • Riders (Field Executives): Collected in foreground and background during active valuation jobs to enable real-time tracking, optimize routes, ensure transit safety, and provide live arrival updates to customers.
• Camera & Photos: With permission, we access the camera and gallery to photograph gold ornaments, weight scale readings, PAN cards, Aadhaar cards, Driving Licences, and Police Verification certificates.
• Device Identifiers: Device model, OS version, IP address, and Firebase Cloud Messaging (FCM) push notification tokens to send order status alerts and OTPs.

2. How We Use Your Information

• To Provide Core Services: Schedule doorstep gold inspections, calculate real-time live gold market valuations, assign verified field executives (riders), and process instant bank payouts.
• To Verify Riders & Maintain Trust: Authenticate field executives using Driving Licences, Police Verification Certificates, and vehicle details to guarantee 100% trust and physical security at customers' doorsteps.
• To Comply with KYC & Anti-Money Laundering Laws: Fulfill statutory obligations under the Prevention of Money Laundering Act (PMLA) and RBI norms.
• To Track & Facilitate Orders: Enable live GPS navigation for field executives and provide live tracking on the in-app map for customers during scheduled appointments.
• To Communicate: Send transaction alerts, appointment confirmations, OTP verifications, and respond to customer support inquiries.
• To Ensure Security: Detect and prevent fraudulent activities, fake requests, unauthorized account access, and ensure security of high-value transactions.

3. Data Storage & Security

We implement robust, industry-standard security protocols to safeguard your personal, KYC, and financial data:

• Encryption: All sensitive data, including Driving Licences, Police Verification documents, KYC records, and financial details, is encrypted using industry-standard protocols (TLS/SSL in transit and AES-256 at rest).
• Access Control: Access to sensitive user information and background verification documents is strictly limited to authorized verification personnel and compliance officers.
• Data Retention: We retain personal and account information as long as your account is active. If you delete your account, your profile and personal identifiers will be permanently deactivated and erased. However, records of completed financial transactions, invoices, and KYC audit logs will be securely retained for statutory periods (up to 5 years) as mandated by applicable Indian financial and tax laws.

4. Sharing of Information

We do not sell, trade, or rent your personal or financial information to third parties. We share your information only under the following limited circumstances:

• Assigned Field Executives (Riders): Only necessary contact and location information (customer name, pickup address, phone number) is shared with the assigned valuation executive solely to fulfill the active appointment.
• Banking & Payout Partners: Bank account details and UPI IDs are shared with verified banking partners and payment gateways to process instant sale proceeds.
• Service Providers: Trusted third-party cloud infrastructure providers (e.g., Firebase for notifications, OpenStreetMap for mapping) bound by strict confidentiality and data protection agreements.
• Legal & Regulatory Compliance: When required by applicable Indian laws, courts of law, police authorities, or regulatory bodies for investigation of fraud or legal compliance.

5. Your Rights & Account Deletion

You have the right to access, modify, or permanently delete your account and personal information:

• In-App Deletion: Navigate to Profile ➔ Delete Account & Data in the SvarnaCash app.
• Web Portal Deletion: You can submit an account and data deletion request directly online via our Account & Data Deletion Portal.
• Withdraw Consent: You may revoke Camera, Storage, Location, or Notification permissions at any time via your device settings.

6. App Permissions Summary

• 📍 Location (GPS & Network): Pickup address detection and rider live transit tracking.
• 📷 Camera: Gold ornament photos, weight scale verification, KYC documents, Driving Licence, and Police Verification uploads.
• 📁 Storage / Photos: Uploading saved document proofs and invoices.
• 🔔 Notifications: Instant alerts regarding rider arrival, OTPs, and payout confirmations.

7. Children's Privacy

SvarnaCash is strictly intended for individuals aged 18 years and older. We do not knowingly collect personal data from minors. If you believe a minor has created an account, please contact us immediately at support@financerupay.com for prompt removal.

8. Data Protection & Regulatory Compliance

We strictly comply with the Digital Personal Data Protection (DPDP) Act, 2023 and the Information Technology Act, 2000 (along with the Information Technology Sensitive Personal Data Rules, 2011). All customer and rider data is processed lawfully with full security safeguards.

9. Contact Us & Grievance Redressal

For any privacy inquiries, concerns, or data deletion requests, please contact our Data Protection and Grievance Officer: