New Life Digi Gold

Information We Collect

To process your gold loan application and deliver our services, we collect the following categories of personal information:

Identity & KYC Information

Full name, date of birth, and gender
Aadhaar card number and biometric verification data (OTP-based)
PAN card number (where applicable)
Photograph and signature

Contact & Address Information

Mobile number (linked to Aadhaar for OTP verification)
Email address
Residential address and PIN code
City and state of residence (must be Tamil Nadu)

Financial Information

Bank account details for EMI auto-debit (NACH mandate)
UPI ID or payment method details
Repayment history and EMI payment records
Loan amount, gold weight, and scheme details

Device & Usage Information

Device type, operating system, and browser information
IP address and approximate location
App usage logs and session data
Pages visited on our website or app

How We Use Your Information

We use the information we collect strictly for the following purposes:

Loan Processing: To evaluate your gold loan application, complete KYC verification, and disburse your scheme.
Account Management: To create and manage your New Life Digi Gold account, authenticate your identity on login, and send account-related communications.
EMI & Payment Processing: To set up your NACH mandate, process monthly EMI collections, and send payment reminders and receipts.
Gold Delivery Coordination: To schedule gold collection or delivery, confirm your address, and track fulfilment.
Customer Support: To respond to queries, resolve complaints, and assist with foreclosure or cancellation requests.
Legal & Regulatory Compliance: To meet RBI reporting obligations, credit bureau reporting, and applicable tax or AML (Anti-Money Laundering) requirements.
Service Improvement: To analyse usage patterns, improve our app and processes, and develop new features — using anonymised and aggregated data only.

We do not use your personal information for unsolicited marketing to third parties, nor do we sell your data to any external parties.

Data Sharing & Disclosure

We do not sell your personal information. We share data only in the following limited circumstances:

Credit Bureaus: Loan account information and repayment history is reported to CIBIL and other RBI-approved credit information companies as required by law.
Payment Partners: Bank account details and mandate information are shared with your bank and NPCI/NACH for EMI collection.
KYC & Identity Verification: Aadhaar-based eKYC is processed via UIDAI-authorised authentication service agencies (ASAs) under applicable law.
Gold Logistics Partners: Name, address, and contact number are shared with our delivery partner solely for gold dispatch and delivery coordination.
Regulatory Authorities: We may disclose your information to the RBI, SEBI, Income Tax authorities, or law enforcement as required by applicable law or court order.
Service Providers: We use trusted third-party providers for cloud hosting, SMS/email notifications, and analytics. These providers are bound by confidentiality agreements and cannot use your data for their own purposes.

In the event of a merger, acquisition, or sale of New Life Digi Gold, your data may be transferred to the acquiring entity. You will be notified of any such change.

Data Security

We take the security of your personal data seriously. Our safeguards include:

Encryption: All data transmitted between your device and our servers is encrypted using TLS (Transport Layer Security).
Secure Storage: Personal and financial data is stored on RBI-compliant servers located in India, with access restricted to authorised personnel only.
Access Controls: Internal access to customer data follows strict role-based access controls and audit logging.
Aadhaar Data: We do not store Aadhaar numbers in plain text. Aadhaar-based verification is processed in compliance with the Aadhaar Act, 2016 and UIDAI regulations.
Payment Security: We do not store full bank account numbers or card details on our servers. All payment processing is handled through PCI-DSS compliant partners.

Despite our best efforts, no method of internet transmission or electronic storage is 100% secure. If you discover any security concern, please contact us immediately at support@newlifedigigold.com.

Your Rights

As a customer, you have the following rights regarding your personal data:

Right to Access: You may request a copy of the personal data we hold about you.
Right to Correction: You may request correction of inaccurate or incomplete information in your account.
Right to Deletion: You may request deletion of your account and personal data, subject to our legal and regulatory obligations (e.g., loan record retention requirements).
Right to Withdraw Consent: Where processing is based on your consent (e.g., marketing communications), you may withdraw consent at any time without affecting the lawfulness of prior processing.
Right to Data Portability: You may request your personal data in a structured, machine-readable format.
Right to Raise a Complaint: If you believe your data is being mishandled, you may raise a complaint with us or with the relevant data protection authority.

To exercise any of these rights, email us at support@newlifedigigold.com from your registered email address. We will respond within 30 days.

Data Retention

We retain your personal data for as long as required to fulfil the purposes described in this policy, or as mandated by applicable law:

Active Accounts: Data is retained for the duration of your active relationship with New Life Digi Gold.
Closed Loan Accounts: Loan records, KYC data, and repayment history are retained for a minimum of 8 years after loan closure, as required by RBI regulations and the Prevention of Money Laundering Act (PMLA).
Deleted Accounts: If you request account deletion and have no outstanding loan obligations, we will delete or anonymise your data within 90 days, retaining only records required by law.

Cookies & Tracking

Our website and app use cookies and similar technologies to:

Maintain your session and keep you logged in
Remember your language preference (English / Tamil)
Analyse traffic and improve user experience (using anonymised analytics)
Prevent fraud and maintain security

We do not use cookies for third-party advertising or to track you across other websites. You may disable cookies in your browser settings, but some features of our website may not function correctly without them.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements. When we make material changes, we will:

Update the "Last Updated" date at the top of this page
Send you a notification via SMS or email if the change materially affects your rights
Display a notice in the app on your next login

Continued use of our services after any change constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

Contact Us

For any privacy-related queries, requests, or concerns, please contact our Data Protection Officer: