Privacy Policy for Sree Kumaran Gold Jewellery Saving Scheme.

The personal information collected from you, including your name, shipping address, telephone number, e-mail address, and billing address, is necessary in order to:

• Process an order
• Ship your order to you
• By submitting this form I agree to the T&C, Privacy Policy and receiving SMS & Whatsapp communication
• If we have difficulty processing your order, the contact information is used to get in touch with you.

Privacy Policy for Sree Kumaran Gold Jewellery Saving Scheme

At Sree Kumaran Gold Jewellery, we are committed to protecting the privacy and security of our users’ personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our Saving Scheme application.

1. Information We Collect

We collect the following information during user registration and interaction with our application:

Registration Information:

• Branch Name
• Mobile Number
• Password
• Employee Reference Number (optional)
• Friend’s Mobile Number (optional)
• Friend’s Mobile Number (optional)

Profile Information:

• Name
• Address
• Country
• Pincode
• Email
• Identification Details (PAN Number, Aadhar Card Number)
• Date of Birth (DOB)
• Wedding Date

Usage Data:

• Daily Gold Rate views
• Added schemes to cart
• Monthly installment payments
• Transactions history
• Payment preferences and methods
• Coins added to the cart in the connected Coin Shopping app

2. How We Use Your Information

We use the information collected for the following purposes:

• To create and manage user accounts.
• To authenticate users during login using branch, mobile number, and password.
• To process monthly installment payments and manage scheme claims.
• To provide accurate and personalized daily gold rate updates.
• To facilitate transactions via integrated payment gateways.
• To issue and manage VIP digital cards with QR codes.
• To enable seamless switching to the Coin Shopping app for purchases.
• To comply with legal and regulatory requirements.

3. Local Data Storage

Some details may be stored locally on your device for convenience, such as:

• Login credentials (if the “Remember Me” feature is used).
• VIP digital card QR code data for offline access.

4. Sharing of Information

We do not sell or rent your personal data to third parties. However, your information may be shared:

• With payment gateways for transaction processing.
• With law enforcement or regulatory authorities, if required by law.
• With third-party service providers involved in the app's functionality, ensuring they adhere to strict confidentiality agreements.

5. Security Measures

We prioritize the security of your data through:

• Encryption of sensitive information during transmission.
• Secure password storage and user authentication protocols.
• Regular audits and updates to safeguard against unauthorized access and vulnerabilities.

6. User Rights

You have the right to:

• Access and update your profile information.
• Request deletion of your account and associated data.
• Opt out of promotional communications.

6. User Rights

7. Updates to the Privacy Policy

• This policy may be updated periodically to reflect changes in our practices or legal requirements. Users will be notified of significant changes through the app.

8. Contact Us

For questions or concerns about this Privacy Policy, please contact us:

• Sree Kumaran Gold Jewellery
• Email: halcyen@gajaananda.com
• Phone: 7530027088

Cookies

Just like most websites, we use cookies (a cookie is a small piece of data stored on the user’s hard drive containing information about the user) in order to deliver you a more customized and complete shopping experience. However, we DO NOT use cookies to store or collect any personal information such as names, addresses, or payment information.

Security

Sree Kumaran ThangaMaligai takes utmost precautions to protect the privacy of your personal information. To protect the information you send using our registration/order form. Please be sure that you are on a secure page, such as a shopping cart checkout containing secure socket layer (SSL) encryption a lock icon appears at the URL address bar of the web page. Only the parties responsible for processing your order have access to your credit card and bank information.

Sree Kumaran ThangaMaligai continuously reviews its policies and practices to ensure that all private and personal information remains safe and secure.

Links

This website may contain links to other sites for information purposes only. Please be aware that we are not responsible for the privacy practices of such other sites. We highly encourage our users be aware to log out their account when they leave our site and also to read the privacy policies of other websites that collect personal information. This privacy policy applies solely to information collected by sktm.in Sree Kumaran ThangaMaligai reserves the right to occasionally update its privacy statements to reflect the company and customer feedback. We highly recommend you to periodically review this page for information about how we are protecting your personal information.

Cancellation:

Once an order is placed, it can only be canceled before it is shipped to the provided destination. Registered customer can always check the status of their order from Track Order. Once the cancellation request is received, we will initiate the process of refunding the amount to your account via the same payment mode that you had used to make the transaction or through cheque (the amount would be refunded through cheque, only in cases where the debit/credit card used by customer while placing the order is not in use). Once the refund process is initiated, you will receive the refund amount directly in your account or through a cheque.

NOTE: In the event that the amount has been deducted from your account but the transaction failed, we will refund the amount to your account at the earliest.

SKTM is committed to ensuring full customer satisfaction with respect to the products available on our website, security & customer assistance. However, if you are not happy with the product, you can choose to return the order.

In the unlikely event that the order delivered is in damaged condition, or otherwise, you can return the product unused and in the same condition as you received it, in its original packaging, along with the invoice and get the refund. Our courier partner will collect the order from the address provided by you and will get it back to us.

RETURN CHARGES

Domestic Order: Our courier partner will collect the order from provided address (within India). Customer need not pay any shipping charges to return the product.

REFUND

We shall process the refund once we receive the product. The product must be in unused condition, in its original packaging along with its original tags and invoice, failing which refund may not be possible.

Once the refund process has been initiated, the amount will be directly refunded to your account via the same mode through which the transaction was made or through cheque (amount would be refunded through cheque, only in cases where the debit/credit card used by customer while placing the order is not in use).

In case the customer pays online then amount will be refunded within 7-15 working days from the receipt of returned product(s) at the warehouse of SKTM

Disclaimer:

All products and the information displayed on SKTM constitute an invitation to offer. Your order for purchase constitutes your offer which shall be subject to the terms and conditions as listed herein. We reserve the right to accept or reject your offer in part or in full. Our acceptance of your order will take place upon the dispatch of the product(s) ordered. Dispatch of product(s) ordered, may or may not happen at the same time. In such a scenario, that portion of the order which has been dispatched will be deemed to have been accepted by us and the balance would continue to be an offer to us and we reserve the right to either accept or reject the balance offer.

No act or omission of SKTM prior to the actual dispatch of the product(s) ordered will constitute acceptance of your offer. If you have provided us with your email address, we will notify you by email as soon as possible to confirm receipt of your order and confirm dispatch and therefore, acceptance of the order thereafter.

We have made every effort to display the colors and sizes of our products that appear on our website as accurately as possible. However, as the actual colors you see will depend on your monitor. We cannot guarantee that your monitor's display of any color will accurately reflect the color of the product on delivery. Packaging of the product may vary from that displayed on the website.

Legal Disclaimer

All updated jewel displaying size whether gold, silver or diamonds are only approximate. Items may have been enlarged, zooming option is enabled to show the coherence of the product. Please note that when viewing high quality diamonds or colored gemstones on your monitor there are certain limitations. Most monitors display images at different dots per inch (dpi) and are not color corrected. In other words, all monitors are not the same, and we cannot guarantee that what we see is exactly the same on your screen.

The only time Sree Kumaran ThangaMaligai will disclose personal information is when required to by law or with the good-faith belief that such action is necessary in order to conform to the law.