Privacy Policy

1. Commitment to Privacy

Best Star Gold Finance ("we", "us", "our") is deeply committed to protecting the privacy and security of our customers' personal and financial data. This Privacy Policy details how we collect, use, store, and disclose your information when you utilize our loan services or digital platforms, strictly in compliance with the Information Technology Act, 2000 and applicable RBI guidelines.

2. Information We Collect

To process your loans effectively and comply with mandated regulations, we collect the following:

• Personal Identifiable Information (PII): Full name, date of birth, gender, and marital status.
• KYC & Regulatory Data: Aadhar Card, PAN Card, Voter ID, Driving License, or passport details as required by the Reserve Bank of India.
• Contact Information: Residential address (in Tamil Nadu/India), email addresses, and active mobile numbers for OTPs and communications.
• Financial Data: Bank account numbers, IFSC codes, and income proof (if applicable) for immediate digital disbursal of approved loans.
• Biometric & Visual Data: Photographs of you and your pledged ornaments taken at our branches for security and insurance records.

3. How We Use Your Information

Your personal data is strictly utilized for core business operations: completing KYC background checks, determining loan eligibility and valuation models, transferring loan amounts to your designated bank accounts, communicating auction notices or repayment reminders, and preventing fraudulent activities.

4. Data Sharing and Disclosure

Best Star Gold Finance strictly prohibits the selling or renting of your personal data to unauthorized third parties. However, we may share pertinent information with authorized financial partners (such as payment gateways for digital repayment), credit bureaus (CIBIL, Equifax, etc.) as mandated by Indian lending laws, and government/law enforcement agencies when required under the legal jurisdiction of Tamil Nadu.

5. Data Security & Retention

We employ industry-standard encryption protocols (SSL/TLS) for digital transactions and secure private servers for data storage. As per RBI's archiving guidelines, we retain your KYC and transactional records for a specified period even after your loan is closed, to ensure compliance with auditing and anti-money laundering (AML) laws.

6. Your Rights

You have the right to request access to the personal information we hold about you. You may also request corrections to any inaccurate data (such as an updated address or phone number) by visiting your local Best Star Gold Finance branch with valid proof. Due to financial regulations, requests for complete deletion of data may be subject to legal retention periods.

7. Contact Us

If you have any questions or grievances regarding this Privacy Policy or how your data is handled, please contact our Grievance Redressal Officer at our primary Madurai headquarters or email us.