Privacy Policy

Last updated: 9 October 2026. This is the privacy policy URL for the Apple App Store and Google Play.

This Privacy Policy explains how Swamika Finnovations Private Limited (CIN U74999TN2022PTC153068), registered office at No. 9, 2nd Cross, Nagratpethpet, Ganigarpet, Bangalore City, Bangalore North, Bengaluru, Karnataka 560002, India (“we”) handles personal data when you use the SwarnaSakhi website and mobile app. It applies together with the Terms.

1. Data we collect

• Identity and contact: mobile number, name, email if you provide it, date of birth, gender, and address.
• KYC: PAN, and bank account number and IFSC for sell payouts. Aadhaar is not required for ordinary use. If a verification step ever asks for Aadhaar, that step will be optional and limited to the purpose shown on the screen.
• Transactions: quotes, orders, grams, invoices, payment status, and device references sent back by the payment aggregator. We do not store full card numbers, CVV, or UPI PIN.
• Device and log data: app version, device model, IP address, and diagnostic logs, used to keep sign-in secure and to fix failures.
• Support mail you send to us.

2. Why we use it

• To create your account and send the OTP.
• To place buy and sell orders with the Custodian and to match the metal to you.
• To take payment through PayU and to refund a failed or duplicate payment.
• To verify PAN and bank details and to meet KYC, tax, and anti-money-laundering duties.
• To send service messages about orders, payouts, and policy changes.
• To answer support and grievance requests, and to detect fraud.

Marketing messages are sent only where the law allows, and you can ask us to stop them. Service messages about a payment or a payout continue while the account is open.

3. Who we share it with

• Augmont Goldtech Private Limited, to open your metal account, allocate grams, vault metal, and settle sells.
• PayU Payments Private Limited, to collect and, where needed, refund payments. Their privacy notice applies to the payment page.
• Verification providers who match PAN and bank-account details.
• SMS and email providers who deliver OTPs and service messages.
• Cloud and database hosts who store the Platform for us, under contract.
• A government, court, or regulator when the law requires it.

We do not sell your personal data. We do not share your data with another SwarnaSakhi user.

4. Retention

We keep account and transaction records for as long as the account is open and afterwards for the period required by tax, payment, anti-money-laundering, and Custodian reconciliation rules. When you ask us to delete the account, we delete or anonymise data we are not required to keep. Email support@swamika.co from your registered address to ask.

5. Security

We use access control, encryption in transit, and server-side storage. No method of transmission is perfectly secure. Tell us promptly if you believe your OTP or device has been compromised.

6. Your choices

• Ask for a copy of the personal data we hold, or a correction, by emailing support@swamika.co.
• You can refuse optional data. If you refuse PAN or bank verification, sell and delivery stay unavailable.
• You can ask us to delete the account by emailing support@swamika.co from your registered address.
• You can block cookies in your browser. The site uses only the cookies needed to run the pages.

7. Children

The Platform is for people aged 18 and above. We do not knowingly open accounts for children.

8. Updates and contact

We will post changes on this page and change the date above. Questions: support@swamika.co. Grievances: Grievance Officer, No. 9, 2nd Cross, Nagratpethpet, Ganigarpet, Bangalore City, Bangalore North, Bengaluru, Karnataka 560002, India.