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Privacy Policy

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General

We are committed to keeping your data secure, your private information private, and being transparent about our practices. We adhere to the best practices to secure information collected from you.

At Aiiongold Ltd, we take privacy and security seriously. This Privacy Policy outlines how AIIONGOLD, its parent entity Aiiongold Ltd. and its wholly owned subsidiaries including but not limited to Aiiongold Ltd., AIIONGOLD Limited (collectively, “AIIONGOLD,” “we,” “our,” or “us” or “Company”) process the information that we collect about you through our websites, mobile apps, and other online services (collectively, the “Services”) and when you otherwise interact with us, such as through our customer care service channels. The Company owns, operates and manages a website having domain name AIIONGOLD and related software application for use on wireless computing devices such as smartphones and tablets and also for use on desktop or laptop computers under the name and style of “AIIONGOLD” (collectively hereinafter referred to as “Platform” or “Application”).

The Platform facilitates and enables the User in availing certain online products and services from the Platform, including, inter alia, investment and wealth management services to the Users (“Services”), in accordance with the terms and conditions of use/Service of the Platform, as available at (“Terms and Conditions”).

For the purposes of this privacy policy (hereinafter referred to as “Privacy Policy” or “Policy”), wherever the context so requires, references to the terms “User(s)”, “You” or “Your”, shall mean and include the user, registered on the Platform, who uses or accesses the Platform or avails the Service(s) (as defined below) of the Platform in accordance with the Terms of Use.

This Privacy Policy is published in compliance with the Information Technology Act, 2000, and applicable amendments, rules, regulations and guidelines enacted thereunder from time to time (“IT Act”) with specific mention of regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive personal information) Rules, 2011, and any other national and state laws which relate to the processing of data. This Privacy Policy is an electronic record in terms of the IT Act and this electronic record is generated by a computer system and does not require any physical or digital signatures. Any new features and/or services that are added to Our current service at any point in the future shall also be subject to the terms set out in this Policy along with any other future relevant legislations to be incorporated as per the laws of the land. This Privacy Policy shall apply to any person who visits, browses, uses or accesses the Platform or uses any Services on the Platform.

This Privacy Policy, inter alia, states:

  • the type of information collected from the Users, including personal information and sensitive personal data or information (as defined below), relating to an individual;
  • the purpose, means and modes of collection, usage, processing, retention and destruction of such information;
  • how and to whom We will disclose such information; and
  • how We will protect the Users’ personal information when they access the Platform.

AIIONGOLD does not knowingly collect or solicit personal information from anyone under the age of 18. If you are under 18, please do not attempt to register for the Services or send any personal information about yourself to AIIONGOLD. If AIIONGOLD learns that we have collected personal information from a person under age 18, we will delete that information as quickly as possible. If you believe that a person under 18 may have provided us with personal information, please contact us at privacy@aiiongold.com, support@aiiongold.com

Purpose and Scope of Privacy Policy

This Privacy Policy is published to inform and describe Our Users of Our policies and procedures regarding collection, storage, processing and sharing of information that We receive from our Users on the Platform or those which are stored or accessed by Us at the time of availing/registering for the Services or making transactions on the Platform. We have developed this Policy to familiarize You with Our practices and demonstrate Our commitment to the protection of Your privacy and your personal information. With regard to this Privacy Policy, the terms “using”, and “processing” information include, without limitation; the use of cookies; and the collection, storage, transfer, evaluation, deletion, disclosure, management, handling, modifying and use of information.

The following mentions the outlined scope of the Privacy Policy:

  • This Privacy Policy is applicable to all Users of this Platform. By using the Services, registering with Us or by otherwise giving Us Your information, You shall be deemed to have read, understood and agreed to the practices and policies outlined in this Privacy Policy and agree to be bound by the terms hereof.
  • We respect Your need to understand how and why information is being collected, used, disclosed, transferred and stored. This Privacy Policy sets out the way in which We process Your information when You visit the Platform or use the Services in accordance with applicable relevant data protection laws.
  • It is important You read this Policy together with any other policies We may provide on specific occasions when We are collecting or processing your personal information.
  • This Privacy Policy applies only to information that You provide Us via the Platform. We reserve the right to update this Privacy Policy from time to time; changes will take effect automatically as soon as they are posted, and We will notify Users by email or another specified mode of communication.
  • The information collected is stored at a secured server following industry best security practices. The Platform is owned by Us and located in India, and We are bound to abide by applicable Indian laws governing privacy.
  • This Privacy Policy does not apply to third-party websites or apps linked from the Platform. We recommend You review the privacy policies of any such third parties before interacting with them.
  • You hereby consent to Us collecting, using, sharing and disclosing Your information as described in this Privacy Policy. If You do not agree, please do not use the Services, access the Platform, or give Us any of Your information.

Collection of Personal Data

In order to enable a User to access the features, benefits or use of the Services on Our Platform, the User may be required to provide certain information which may constitute ‘personal information’ or ‘sensitive personal data or information’ governed under regulation 3 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive personal information) Rules, 2011, along with other relevant data privacy laws and the Prevention of Money Laundering Act (PMLA) 2002.

Onboarding / Registration of Services

When You create a new account to use the Services we request the following information:

  • Name, DOB, Gender, Nationality, Father’s name, Mother’s name, Marital status, photo
  • Address, ZIP/postal code, location, phone number, e-mail id, your contacts and nominee details
  • Bank account number, your name on bank passbook and IFSC code of the bank
  • PAN card number, Aadhar card number (redacted), KYC related information via videos or other online/offline verification documents as mandated by relevant regulatory authorities, and your business-related information
  • Employment related details (occupation, income, employer details, designation) for Central KYC Records Registry (CKYCR) purposes under Prevention of Money Laundering (Maintenance of Records) Rules, 2005
  • Information about Your device via our app, including communication information, contacts and call logs, device information, browser plug-ins, cookies or similar technologies, and notifications

KYC Details

  • To comply with regulatory requirements, based on Your explicit consent we fetch Your KYC (Know Your Customer) details from the regulated Central KYC Registry

Liabilities Information

You provide explicit consent to Us for the following:

  • Collecting credit related information from third party service providers expressly authorised by You (for example, Experian or CRIF High Mark, credit information companies registered under the Credit Information Companies (Regulation) Act, 2005)
  • We securely store account details for each of your Bank or PayPal accounts, including sign-in username and authorisation tokens for tracked accounts, to analyze, extract, and store information securely for use in the Application

Google Account Emails (Gmail)

The User may choose to provide explicit consent to connect/integrate their Gmail account(s) with their account on the Platform. You will be asked in each case whether You want to connect Your email address with Your account on the Platform.

  • Attachments from senders containing details of your investments such as Folio numbers, Transaction Dates, Dividends, Subscription and Redemption Amounts — organized to provide deep analytics and other services
  • We access your Gmail account and seek explicit consent to auto-send information related to commission and profit earned on the AIIONGOLD Platform (via Google’s OAuth authentication method), reading only the relevant attachments
  • Connecting your Gmail account allows your investment and expense information to update automatically every month, giving deeper and more accurate analytics on your net worth
  • You can de-link your Gmail account at any time and/or delete your information by writing to privacy@AIIONGOLD.com or support@AIIONGOLD.com
  • Data obtained through this integration is used solely for providing the Services, updating investment information periodically, providing accurate analytics, and improving User experience. We will not transfer this data to third parties beyond what is explicitly authorised by the User

Processing of Personal Information

We may process your personal information for, including without limitation, the following purposes:

Components Reason for processing the data
Services opted in Platform (investments, deposits, transactions etc.) To facilitate Your requests with respect to Our range of financial plans and services — organizing and aggregating Your financial information, providing analytics on investments, liabilities and expenses, assessing risk profile, and creating investment plans.
Value added services To provide information to Our affiliate companies and authorised agents / other third-party service providers to offer similar services and value-added services, including for authentication purposes.
KYC compliance To conduct the KYC compliance process as mandated by regulatory bodies, to validate, process and/or share Your KYC and nominee details with intermediaries and financial institutions as required.
Sharing / Communication To allow Us or Our third-party service providers to contact You through any channel of communication including email, telephone, SMS, etc.
Alerts / notices To intimate and deliver administrative notices, alerts, advice, important communications regarding Our services or changes to terms/policies.
Customisation of platform / offers To customize Platform content, request reviews, send verification messages to authenticate Your account and prevent misuse, and inform You of special offers.
Compliance with applicable laws To deal with enquiries and complaints, ensure compliance with applicable laws and Platform safety, prevent fraud and illegal activity, and for audits and record keeping.

Disclosure of Data

It may be necessary for Us to disclose Your personal information by law, legal process and/or by request from public and/or governmental authorities within or outside your country of residence. We may also disclose Your personal information where We determine disclosure is necessary for law enforcement, national security, or to prevent or stop any activity We consider illegal, unethical or legally actionable.

We do not guarantee the security and/or privacy of any information which may be available publicly on the Platform. The Platform may contain links to other websites; We do not endorse such links and are not responsible for their privacy practices.

We automatically receive the URL of the referring site, the User’s IP address, operating system, browser type and ISP name, used to analyse overall trends and improve Our Services. The linkage between IP address and personally identifiable information is not shared with third parties, though aggregate anonymized findings may be shared with advertisers, sponsors, investors and strategic partners to help grow Our business.

We maintain a strict no-spam policy and do not rent, sell, disclose or share personal information with others without Your consent, except as needed to provide the Services or as specifically provided for in this Policy. Additional circumstances under which we may disclose information include:

  • Third party service professionals/providers: engaged under confidentiality obligations to assist with communication, payments, customer support, fraud detection, database management, web analytics, delivery/logistics, etc.
  • Compliance with laws and protection of Users: where required to comply with court orders, government investigations, or other legal processes, or to enforce Our terms and policies.
  • Business transfer and mergers: Your information may be transferred if the Company is acquired by or merged with another company; You will be notified before any such transfer.
  • Contracting parties: information may be shared with Our service professionals, group companies or business partners to facilitate the Services.
  • With Your consent: We may share Your information with third parties with Your prior consent and/or at Your request.

Collection and Use of Non-Personal Data

Non-personal data is data that can never be used to identify an individual. We may collect information regarding customer activities on Our Platform for research, analysis, and to improve and monitor Our services and promotional offers. Such data may be shared in aggregated, non-personal form with third parties to enhance customer experience. The Platform uses cookies, and You will be prompted to accept them.

Cookies Policy

A cookie itself does not contain personal information; it only enables Us to relate Your use of the Platform to information You have specifically and knowingly provided. A cookie cannot read data off Your hard disk or read cookie files created by other websites.

We may place both permanent and temporary (“session”) cookies. You can refuse cookies via Your browser settings, though We use certain cookies to authenticate Users on each page after login. Data collected by cookies may be processed by third parties to help facilitate maintenance, fraud detection, database management, web analytics, monitoring and evaluation services. For questions about Our cookie usage, please contact Us using the details below.

Your Rights and How to Exercise Them

We respect the rights You have in relation to the personal data We process. You can request access to or a copy of Your personal information, request rectification or removal, or request restriction of processing. You have the right to unilaterally change Your e-mail and contact preferences at any time by logging into Your “Account” and changing account settings. You also have the right to data portability. If You object to use of Your data under this Policy, please write to Our privacy team at the contact information below; to prevent misuse, We will ask You to identify yourself.

Disclaimer of Information

You are responsible for maintaining the accuracy, truthfulness and completeness of the information You submit to Us, and shall hold Us harmless and indemnify Us from claims arising out of wrongful information provided by You. If Your personal information changes, You may correct, delete or amend it via Our member information page or by contacting Us. There may be circumstances where We will not correct, delete or update Your data, including where it is opinion data kept solely for evaluative purposes, or is part of an ongoing legal prosecution. If You wish to cancel Your account or stop Us using Your information, You may contact Us using the details below.

Security

We understand the serious implications of data security and take extensive technical and legal measures to safeguard Your personal data and information.

  • The Platform uses a reliable SSL certificate and SSL encryption when transmitting financial services or payment information.
  • Our employees and data processors with access to sensitive personal data are obliged to respect the confidentiality of every User’s information.
  • We maintain procedures and technologies in line with good industry practice and applicable laws, from the point of collection to the point of destruction of data. Third-party data processors must agree to comply with these procedures.
  • No administrator of the Platform will have knowledge of Your OTP. Please protect against unauthorized access to Your OTP, contact details and mobile phone, and log off after use.
  • If You suspect unauthorized use of Your account, notify Us immediately at support@AIIONGOLD.com. You shall indemnify Us for any loss suffered due to such unauthorized use.
  • In case of any security breach, We will make all legally required disclosures concerning the breach via email or by posting on the Platform, without unreasonable delay.
  • If you are a security researcher and have found a possible vulnerability, please report it responsibly to security@AIIONGOLD.com or support@AIIONGOLD.com with detailed steps to reproduce it.

Compliances

We are an ISO certified company and have implemented required Information Systems Management System policies and procedures to maintain industry standard best practices for protecting the data of Our Users.

AIIONGOLD’s use of information received from Google APIs adheres to the Google API Services User Data Policy, including applicable scope and policy requirements. We also undergo annual security assessment from a Google-designated third party and publish the “letter of assessment” on the AIIONGOLD website and mobile applications.

Retention Period

We do not keep Your personal data longer than necessary for the purpose of processing, except for any record retention required by applicable laws, including but not limited to SEBI (Investment Advisers) Regulations 2013, IRDAI (Registration of Corporate Agents) Regulations 2015, and the Prevention of Money Laundering Act 2002. We may aggregate and anonymize Your data for research or statistical purposes and use it indefinitely without further notice to You.

Changes in Privacy Policy

We reserve the right to change this Policy at any time; changes are effective immediately upon posting the revised Privacy Policy. We recommend You review this policy periodically. If You are not comfortable with any changes, You may discontinue usage of the AIIONGOLD website or mobile applications. You can email privacy@AIIONGOLD.com or support@AIIONGOLD.com to update or delete Your personal information.

Questions or Complaints

If you have any questions or complaints about the processing of your personal information, write to us at privacy@AIIONGOLD.com, support@AIIONGOLD.com. Our team will be happy to assist you.

Contact Information

Address: #10-06, Textile Center, Singapore

Email: privacy@AIIONGOLD.com and support@AIIONGOLD.com

Grievance Officer

In accordance with the Information Technology Act, 2000, and rules made thereunder, the contact details of the Grievance Officer are provided below:

Attn: Mr. [Name]

Designation: Grievance Officer

Email: grievance@AIIONGOLD.com

Time: Mon – Friday (10 AM – 7 PM)

Address: #10-06, Textile Center, Singapore

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