PRIVACY POLICY

MD Gold (“we”, “us”, “our”), a sole proprietorship operating the retail brand GoKarat at www.gokarat.com, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or purchase our products.

By using our website or services, you agree to the terms of this Privacy Policy.

1. Who We Are

MD Gold is a sole proprietorship registered under GST number 27AHVPD8700C1ZE, operating the retail gold brand GoKarat.

Registered Address: 102B, Shubham Avenue, Gurudatta Marg, Pant Nagar, Ghatkopar (East), Mumbai – 400075, Maharashtra, India

Email: support@gokarat.com

2. Information We Collect

We collect the following types of personal information from you:

2.1 Information You Provide Directly

Full name
Mobile number
Delivery address
Payment-related information (processed securely through Razorpay — we do not store card or bank details)

2.2 Information Collected Automatically

IP address and browser type
Pages visited and time spent on the website
Device information
Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive limited information from payment gateways (Razorpay) and analytics tools (Google Analytics and related plugins) to process transactions and improve our services.

3. How We Use Your Information

We use your personal information for the following purposes:

To process and manage your gold coin purchase orders
To collect scheduled instalment payments via Razorpay
To maintain customer records on Lend stack and Zoho Books
To send order confirmations, payment receipts, and delivery updates
To provide customer support
To send promotional communications (only with your consent)
To comply with legal, tax, and regulatory obligations
To improve our website and user experience through analytics

4. Legal Basis for Processing

We process your personal data on the following legal grounds:

Contractual necessity — to fulfil your purchase order
Legal obligation — to comply with GST, AML, and applicable Indian laws
Legitimate interest — to improve our services and prevent fraud
Consent — for marketing communications (you may withdraw consent at any time)

5. Third-Party Services

We share your data with trusted third-party service providers solely to operate our business. These include:

5.1 Razorpay

Razorpay Software Private Limited processes all payments including UPI AutoPay mandates. Your payment information is governed by Razorpay’s Privacy Policy. We do not store your card, bank account, or UPI details.

5.2 Lendstack

Lendstack is our plan management platform used to record and track customer installment schedules and payment history.

5.3 Zoho Books

Zoho Books is our accounting and invoicing platform. Customer transaction data is recorded here for GST-compliant invoice generation.

5.4 Google Analytics and Website Plugins

We use Google Analytics and other standard WordPress plugins to understand website traffic and user behaviour. These tools may place cookies on your device. You may opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.

6. Cookies

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device. We use:

Essential cookies — necessary for the website to function
Analytics cookies — to understand how visitors use our site
Preference cookies — to remember your settings

You may disable cookies through your browser settings. However, disabling essential cookies may affect website functionality.

7. Data Storage and Security

We store your personal data on secure servers. All payment transactions are encrypted using industry-standard SSL/TLS protocols. We implement appropriate technical and organisational measures to protect your data against unauthorised access, loss, or misuse.

We do not collect, store, or process any Aadhaar, PAN, or biometric data.

8. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, and as required by applicable law (including GST record-keeping requirements). Transaction records are typically retained for a minimum of 7 years in compliance with Indian tax laws.

9. Your Rights

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

Right to access — request a copy of the personal data we hold about you
Right to correction — request correction of inaccurate data
Right to deletion — request deletion of your data (subject to legal retention obligations)
Right to withdraw consent — for marketing communications at any time
Right to grievance redressal — raise a complaint with us directly

To exercise any of these rights, please contact us at support@gokarat.com

10. Children’s Privacy

Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal information from persons under 18 years of age. If you believe a minor has provided us with personal data, please contact us at support@gokarat.com and we will promptly delete it.

11. Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to read the privacy policies of any external sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date. Continued use of our website after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

MD Gold (GoKarat)

102B, Shubham Avenue, Gurudatta Marg, Pant Nagar, Ghatkopar (East), Mumbai – 400075, Maharashtra, India