This Privacy Policy explains how Gfolio collects, uses, stores, and protects your personal information.
Privacy Policy
Gfolio is operated by Giftfolio Private Limited, a company incorporated under the Companies Act, 2013, with its registered office at DS SONS, 6/2011, LALAN ROAD, MATTANCHERRY, KOCHI 682002, KERALA- INDIA.
This Privacy Policy describes how Gfolio, its affiliates, subsidiaries, associates, partners, and group entities (collectively referred to as “Gfolio”, “we”, “our”, or “us”) collect, store, use, share, and otherwise process your Personal Information through the Platform.
- Gfolio website (www.gfolio.in)
- Gfolio mobile application
- APIs, SDKs, chatbots, notifications
- Customer support interactions
- Any other digital or offline channels used to provide services
By accessing, registering, or using Gfolio services — including investing in digital gold or silver, gifting digital assets, or availing any financial or related services — you agree to be bound by this Privacy Policy and applicable terms of use.
We value your trust and are committed to protecting your personal data and maintaining high standards of security and confidentiality.
This Privacy Policy is published in accordance with the Information Technology Act, 2000, the Information Technology Rules, 2011, and applicable Indian data protection laws. Gfolio services are offered only within India.
1. Information We Collect
We collect Personal Information that is necessary to provide services, comply with regulations, and improve your experience.
Personal Information may include:
Identity & Contact Information
- Name, age, gender, photograph
- Address, phone number, email
- Nominee details
- Contacts (if required for gifting or transfers)
Regulatory & KYC Information
- PAN details
- Aadhaar or other government-issued identification
- Video KYC / document verification data
- Income or financial profile where required
Financial & Transaction Information
- Bank account details
- Wallet balance
- Investment holdings (digital gold, silver, etc.)
- Transaction history
- Payment gateway information
- Partial card details for transaction processing
- OTP verification data
Device & Technical Information
- IP address and location
- Device identifier and model
- Browser information
- Cookies and session data
- Usage behaviour and interaction analytics
Third-Party Sources
- Financial institutions
- Credit or fraud prevention agencies
- Regulatory databases
- Public records
- Insurance partners (if applicable)
- Background verification agencies
Employment Applications (if applicable)
- Resume and employment history
- Educational details
- Background verification information
2. When Information Is Collected
- Visit or browse the Gfolio Platform
- Register or create an account
- Invest or transact
- Gift digital assets
- Communicate with customer support
- Participate in surveys or promotions
- Apply for employment
- Interact with partners or affiliates
3. Purpose of Processing
- Account creation and identity verification
- Providing digital gold/silver investment, gifting, and related services
- Regulatory compliance including KYC / AML requirements
- Processing transactions and payment instructions
- Fraud detection and risk management
- Customer support and communication
- Personalizing user experience
- Analytics, audits, and service improvement
- Marketing and promotional communication
- Dispute resolution and legal compliance
- Security monitoring and breach prevention
- Facilitating services through partners or financial institutions
4. Cookies and Tracking
We use cookies and similar technologies to improve functionality, analyse usage, maintain session security, and personalize content.
Cookies do not store sensitive personal information. Users may disable cookies through browser settings, but some features may not function properly. Third-party cookies may also be present and are governed by respective providers.
5. Information Sharing and Disclosure
Personal Information may be shared only when necessary and legally permitted.
- Financial institutions and payment partners
- Digital asset custodians
- Regulatory authorities
- Service providers (cloud, analytics, security)
- Marketing and communication vendors
- Fraud detection agencies
- Internal teams
Information is shared to provide services, complete transactions, meet regulatory obligations, prevent fraud, or comply with legal orders.
6. Data Storage and Retention
Personal Information is primarily stored in India.
- Retained for as long as required to provide services
- Retained to meet legal or regulatory requirements
- Retained to prevent fraud or disputes
Once the retention period ends, data is securely deleted.
7. Security Measures
- Encryption of data in transit and at rest
- Firewalled servers
- Access control and authentication
- Regular audits and security reviews
However, no system is completely immune from risk.
8. Third-Party Services
When you use services offered by third parties through Gfolio, their privacy policies apply and Gfolio is not responsible for their data practices.
9. Consent
By using Gfolio services or providing data, you consent to processing under this Privacy Policy.
If you share information about another person, you confirm you have authority to do so.
10. Children’s Privacy
Gfolio services are not intended for individuals under 18 years. Minors may use services only under supervision of a legal guardian.
11. Policy Updates
We may update this Privacy Policy periodically. Continued use of the Platform after changes indicates acceptance.
We will not reduce protection of previously collected Personal Information without consent.
12. Grievance Officer
Name: Shubham Jain
Email: sjain@giftfolio.in
13. Contact Us
For privacy-related queries:
Email: sjain@giftfolio.in
Website: www.gfolio.in
