General Policies

Welcome to www.goldsikka.com ("this Website"), a website owned and operated by Goldsikka Jewels Private Limited. We, Goldsikka Jewels Private Limited and/or our designated affiliates (jointly "Goldsikka") provide website features to you, the user subject to your acceptance of the following Terms and Conditions of Access and Use, constituting an agreement between us ("Agreement"). If you continue to use this Website or communicate with us, you will be deemed to have accepted these Terms and Conditions of Access and Use. Please read these Terms and Conditions of Access and Use carefully. In addition, when you use any current or future Goldsikka service or business you will also be subject to the guidelines, terms and agreements applicable to such service or business ("Specific Terms"). If the Terms and Conditions of Access and Use are expressly inconsistent with such Specific Terms, the Specific Terms will prevail. Goldsikka may revise these Terms and Conditions of Access and Use from time to time and at any time, without notice to you. If you do not agree to be bound by these Terms and Conditions of Access and Use, as modified from time to time, you should leave this Website immediately. The section titles in these Terms and Conditions of Access and Use are for convenience only and have no legal effect.
You acknowledge that the disclaimers and exclusions of liability set forth in these Terms and Conditions of Access and Use represent a fair and reasonable allocation of the risks and benefits of the Agreement between you and us, taking all relevant factors into consideration. You agree that these disclaimers and limitations shall be enforceable to the fullest extent permitted by applicable law. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Website or these Terms and Conditions of Access and Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.
These Terms and Conditions of Access and Use shall be read in conjunction with the Business Rules of Goldsikka and of this Website, as available on this Website. Goldsikka may revise these Business Rules from time to time and at any time without notice to you.
All content included in this Website such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations and software is the property of Goldsikka or its content suppliers and is protected by international copyright laws. All software used on this site is the property of Goldsikka or its software suppliers and is protected by international copyright laws. The content of this Website cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any non-personal use without the prior written approval of Goldsikka. Graphics, logos, page headers, button icons, scripts and service names contained in or features in this Website are trademarks or trade dress of Goldsikka. Goldsikka's trademarks may not be used in connection with any other product or service in any manner that is likely to cause confusion, disparage or discredit regarding Goldsikka and its products and services. All trademarks not owned by Goldsikka that appear in this site are the property of their respective owners, who may or may not be affiliated with connected to or sponsored by Goldsikka.
This Website and all information content, materials, products (including software) and services included on or otherwise made available to you through this Website are provided by Goldsikka on an "as is" and "as available" basis unless otherwise specified in writing. Goldsikka makes no representations or warranties of any kind, express or implied, as to the operation of this site or the information, content, materials, products (including software) or services included on or otherwise made available to you through this site, unless otherwise specified in writing. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by applicable law, Goldsikka disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Goldsikka does not warrant that this site information, content, materials, products (including software) or services included on or otherwise made available to you through this site, their servers or electronic communications sent from Goldsikka are free of viruses or other harmful components. Goldsikka will not be liable for any damages of any kind arising from the use of this site or from any information, content, materials, products (including software) or services included on or otherwise made available to you through this site including but not limited to direct, indirect, incidental, punitive, and consequential damages unless otherwise specified expressly in writing.
Any dispute or claim relating in any way to your visit to this Website or to products or services sold or distributed by Goldsikka or through this Website will be resolved first by arbitration. The Indian Arbitration and Conciliation Act of 1996 applies to this agreement. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim in detail to our address available on this Website. The arbitration will be conducted in Mumbai by an independent arbitrator appointed by Goldsikka. The costs of arbitration proceedings will be borne by the party so instructed by the arbitrator on merits of the case. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action.
When you visit this Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We may communicate with you by one or more of letters, e-mail, SMS or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy all legal requirements that such communications be in writing.
You shall procure and maintain all communication and other equipment necessary to access this Website and the costs of any such equipment and communication connections or use including any applicable taxes, shall be borne solely by you. You are responsible for operating your own equipment used to access this Website.
If you wish to make any financial transactions on this Website, including paying for products or services, you may be asked for credit card or other payment information. You agree that all information you provide is accurate, complete and current and that you will pay all charges owed including any applicable taxes. You agree that you are solely responsible for any personal income reporting and tax payments required of you by applicable government authorities.
By visiting this Website, you agree to be bound by the applicable Indian laws and State laws including those pertaining to taxation. This Agreement has been executed and delivered in India and its interpretations, validity and performance shall be construed and enforced in accordance with the laws of the Republic of India without regard to principles of conflict of laws and shall be subject to the exclusive jurisdiction of courts at Mumbai, India.
By visiting this Website, you agree to be bound by the applicable Indian laws and State laws including those pertaining to taxation. This Agreement has been executed and delivered in India and its interpretations, validity and performance shall be construed and enforced in accordance with the laws of the Republic of India without regard to principles of conflict of laws and shall be subject to the exclusive jurisdiction of courts at Mumbai, India.
You acknowledge that you have read these Terms and Conditions of Access and Use and agree to them in entirety. You understand that we may at any time (directly or indirectly) solicit member referrals on terms that may differ from those contained in this Terms and Conditions of Access and Use. You have independently evaluated the desirability of associating with this Website or of participating in its programs or of availing its services and/or products and are not relying on any representation, guarantee or statements other than as set forth in this Terms and Conditions of Access and Use
Goldsikka grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it or any portion of it except with express written consent of Goldsikka. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of Goldsikka. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout, or form) of Goldsikka without its express written consent. You may not use any metatags or any other "hidden text" utilizing Goldsikka's name or trademarks without the express written consent of Goldsikka. Any unauthorized use terminates the permission or license granted by Goldsikka. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to this Website so long as the link does not portray Goldsikka or its products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any Goldsikka logo or other proprietary graphic or trademark as part of the link without express written permission.

You expressly agree that use of this Website is at your sole risk. While we will take all reasonable precautions to ensure uninterrupted and errorfree operations, your access and use of this Website is at your sole risk. The service is provided on an "as is" and "as available" basis. We and our licensors, suppliers, vendors, parent, holding, subsidiary and related companies, affiliates, officers, agents and employees expressly disclaim all warranties of any kind whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non- infringement. In no event shall Goldsikka be liable for any direct, indirect, incidental, special, punitive, consequential damages or any damages whatsoever including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from: The use or the inability to use our services or access content,

The cost of procurement of substitute goods and services resulting from transactions entered into through or from this Website, The unauthorized access to or alterations of your transmissions or data, Statements or conduct of any third party on the service or Any other matter relating to any service or product offered, delivered or agreed to be delivered even if Goldsikka has been advised of the possibility of damages.

For your convenience, this Website may provide links to the sites of affiliated companies and certain other businesses which may not be in our control. You acknowledge that Goldsikka does not endorse these linked sites (even if they pop up in a frame) or any links contained in these linked sites. We are not responsible for examining or evaluating, and we do not warrant the offerings of any of these businesses or individuals or the content of their websites. Goldsikka does not assume any responsibility or liability for the actions, product and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.
One or more patents owned by Goldsikka may apply to this site and to the features and services accessible via the site. Portions of this site may operate under license of one or more patents.

Except where noted otherwise, the prices displayed for products on this Website represents the value of the respective product. For certain transactions, you shall bear fees and charges in addition to payment for prices displayed on this Website. Such additional fees and charges shall be as are stated on the website. Please pay attention to the details of your transactions, because your total price for a transaction may include taxes, fees and shipping costs, which you are responsible for paying. With respect to services provided or products sold by Goldsikka, we cannot confirm the cost of a service or the price of a product until you order.

Despite our best efforts, a small number of the items in our catalogue may be mispriced. If an item's correct price is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation.

This Website is strongly committed to your right to privacy and to keeping your information secure. We collect your personal information on a need-to-know basis. Personal information includes but is not limited to, first and last name, physical address, e-mail address, phone number, birth date and any other information that itself identifies or when tied to the above information, may identify you as a specific individual. Additionally, Goldsikka may require you to provide additional information and documents for meeting its Know-Your-Client guidelines. This Website does not collect personally identifiable information about you except when you specifically and knowingly provide it. Goldsikka uses your personally identifiable information also to operate this Website and offer its services and to inform you of new features, services and products from Goldsikka. Goldsikka may carefully select other companies to send you information about their products or services which are related to this Website but are not necessary to its operation (an "Extended Service"). You would be provided the option to decline the Extended Service.

Goldsikka may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary: (a) to conform to the edicts of law or comply with legal process served on Goldsikka; (ii) to protect and defend the rights or property (including intellectual property) of Goldsikka and/or of this Website or (iii) to act under exigent circumstances (as Goldsikka may, in its sole decision decide) to protect the personal safety of users of this Website, Goldsikka or the public. This Website may have features which provide for users to disclose their identities and communicate with other users. Your use of such features and disclosure of any personal details (e.g. e-mail address) by you through these features are at your sole risk, and Goldsikka accepts no responsibility for the same.

Goldsikka attempts to be as accurate as possible. However, Goldsikka does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current or error-free. If a product offered by Goldsikka is not as described, your sole remedy is to return it in unused condition for a replac ement under the provisions of our Replacement Policy.
Goldsikka does not take title to returned items until the item arrives at our designated address. For more information about our returns and replacement, please see our Replacement Policy.

You may post reviews, comments, photos and other content and submit suggestions, ideas, comments, questions or other information to this Website, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of spam. You may not use a false e-mail address, impersonate any person or entity or otherwise mislead as to the origin of a card or other content. Goldsikka does not regularly review posted content, but reserves the right (but has no obligation) to remove or edit such content, at its sole discretion.

If you do post content or submit material, and unless we indicate otherwise, you grant Goldsikka a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Goldsikka and its sub-licensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Goldsikka for all claims resulting from content you supply. Goldsikka has the right but not the obligation to monitor and edit or remove any activity or content. Goldsikka takes no responsibility and assumes no liability for any content posted by you or any third party.

Please review our other policies posted in this site. These policies also govern your visit to this Website. We reserve the right to make changes to our site, policies and these Terms and Conditions of Access and Use at any time. If any of these Terms and Conditions of Access and Use is deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall be modified so as to give effect to the economic intent of such impugned provision and shall not affect the validity and enforceability of the remaining Terms and Conditions of Access and Use.

Goldsikka reserves the right to discontinue in whole or in part, any portion of this Website services or programs with or without notice. This discontinuation may relate to all users, certain groups of users or to certain individual users.

This Agreement and the license rights granted hereunder shall remain in full force and effect unless terminated or cancelled for any of the following reasons: (a) immediately by Goldsikka for any unauthorized access or use by you; (b) immediately by Goldsikka if you assign or transfer (or attempt to do so) any rights granted to you under this Agreement; (c) immediately, if you violate any of the other terms and conditions of Terms and Conditions of Access and Use.

Termination or cancellation of this Agreement shall not affect any right or relief to which Goldsikka may be entitled at law or in equity. Upon termination of this User Agreement, all rights granted to you will terminate and return to Goldsikka.

Although this Website is accessible worldwide, not all products or services discussed or referenced on this Website are available to all persons or in all geographic locations or jurisdictions. This Website reserves the right to limit the provision of any product or service to any person, geographic area or jurisdiction it so desires, in its sole discretion and to limit the quantities of any such product or service that it provides. Any offer for any product or service made on this Website is void where prohibited.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. Goldsikka does not offer services or sell products to parties under the age of 18 years. Goldsikka reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders and instructions at its sole discretion.
You may use this Website only if you are an Indian citizen residing in India and are eligible to enter into contracts under Indian law. Minors, non-Indian citizens and non-resident Indians cannot participate on this Website at present.

In consideration of your use of this Website, you agree to Provide true, accurate, current and complete information about yourself as prompted by the registration form required by this Website (such information being the "Registration Data"), and Maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

In addition, we require that you fill and sign all forms and documents which form part of your account opening kit and supply us with all the relevant legal documents and financial information which law requires us to maintain. You warrant and represent that all information that you supply to us is accurate and truthful. You also expressly authorize Goldsikka to obtain reports concerning your credit standing and business conduct. If your application is approved, Goldsikka will open an account ("Account") for you. We reserve the absolute right to either accept or reject your application on any grounds whatsoever and you agree that you shall not dispute the result in any manner whatsoever. Notwithstanding the foregoing, we may provide you with access to some parts of this Website without you registering as a user. In that case, your identification is based on other means of identification that we deem appropriate. You agree that such information may be collected and disclosed to us and used in accordance with these Terms and Conditions of Access and Use.

If you provide any information that is untrue, inaccurate, not current or incomplete or Goldsikka has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Goldsikka has the right to suspend or terminate your account and refuse any and all current or future use of this Website (or any portion thereof) without any liability to you.
Upon completing the registration process with this Website, you will receive a password and account designation. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify Goldsikka of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session.
You agree that Goldsikka, in its sole discretion, may terminate your password, Account or your use of this Website. Goldsikka may terminate your Account and remove any content within this Website for any reason, including, without limitation, if Goldsikka, in its sole opinion, believes that you have violated or acted inconsistently with the letter or spirit of these T erms and Conditions of Access and Use. Goldsikka may also, in its sole discretion and at any time discontinue this Website or any part thereof, without notice. You agree that any termination of your access to this Website under any provision of these Terms and Conditions of Access and Use may be effected without prior notice and acknowledge and agree that Goldsikka may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or to this Website. Further you agree that Goldsikka shall not be liable to you or any third-party for any termination of your access to the Service. However, on such termination, Goldsikka shall return the net amount of money standing to the credit of your Account.
Goldsikka may publish research and opinions on this Website for your information. You may not rely on any such information for forming your investment decisions. You acknowledge that Goldsikka or this Website and its officers, directors, employees, agents and affiliates will have no liability with respect to transactions in or for your Account and your investment decisions.
Through this Website, Goldsikka shall facilitate trade of Gold and Silver (Bullion). All trades are final and non-reversible. Goldsikka shall provide buy / sell quotes for the prices of Bullion, which shall be linked based on a formula to the prices of gold and silver in the spot market. You may buy any quantity of Bullion through this Website, subject to policies framed in this regard by Goldsikka. Bullion can only be purchased against advance balance available in your website account. Goldsikka shall issue an invoice with Bullion (as the case may be) purchased by you. The bullion purchased will be delivered and stored with a custodian in a vault. The cost of insurance of bullion will be borne by Goldsikka. You shall have the option to (a) sell the Gold / Silver from your website account back to Goldsikka at the prices shown on this Website at the time of sale, or (b) request physical delivery of Gold / Silver to your doorstep from the vault. Bullion cannot be pledged or transferred to any other user.

In order to trade on this Website, you are required to maintain an advance balance in your website account. Your deposit of a certain amount is added to your website account as an advance balance. You can deposit advance in your account by using Internet banking, electronic transfer, cheque, demand draft and debit card. Advance will be credited in your account after the funds are cleared. When you buy a Gold / Silver through your Account on this Website, the amount of the purchase will be deducted from the advance balance in your Account.

Similarly, when you sell a Gold / Silver from your Account on this Website, the amount of the transaction will be added to the balance in your Account. No interest would be payable on the advance deposited / maintained by you in the Account or with Goldsikka. You may withdraw a part or the entire cash balance in your Account upon request to Goldsikka. The withdrawal may be effectuated by such means as Goldsikka may decide at its sole discretion. Such means may include electronic transfer of funds to your bank account and payment through cheque.

While it is unlikely, there could be negative balance in your Account due to reasons such as charges debit inadvertently processing buy orders without available balance, etcetera. In such a case, you would promptly transfer funds to your website account to the extent of the negative balance. If payment is not received within a reasonable time, your Account may be closed, without prior notification. In such an event, you will be liable for any resulting losses and all associated costs incurred by Goldsikka.

The market prices of bullion shown on this Website would be an invitation to offer to all eligible Account holders. An order legitimately placed by an eligible Account holder would constitute an offer for purchase or sale of Gold and Silver as the case may be. Goldsikka may accept or reject such an offer at its discretion.

hough orders would usually be attended to within seconds, certain orders, at Goldsikka's discretion, may be subject to manual review and entry, which may cause delays in the processing of your orders. You also accept that you will receive the price at which your order executes in our systems, which may be different from the price at which the Gold or the Silver is trading at when you enter your order into our system. You acknowledge that you cannot modify an order once placed and that orders may get executed at a price significantly unfavorable to you, depending upon market fluctuations.

Goldsikka may appoint Intermediaries and Distributors who shall assist us in distributing our products to you. Goldsikka shall communicate all the transaction details to you directly by means of emails, SMS and any other medium and it is your responsibility to ensure that you receive this communication. When you visit this website or send e-mails to us, you are communicating with us in electronically. You consent to receive communication from us electronically. We may communicate with you by one or more means of letters, e-mails, SMS or by posting notices on this website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy all legal requirements that such communications be in writing. Goldsikka shall not be responsible to you in the event of default or any wrongful, dishonest, criminal, fraudulent act or wilful misconduct or gross negligence on the part of these Intermediaries. However, you shall immediately inform Goldsikka on occurrence of such an event through e-mails/telephone/fax or any other convenient means. The activities of the Intermediaries and its personnel/ representative(s) shall not be construed to be activities of Goldsikka.
Any gold / silver lying in vault and advance balance is non transferrable unless specifically allowed by Goldsikka. However in case of death or insanity, Goldsikka shall transfer such gold / silver and advance balance to your legal heir(s) after the required due diligence and your legal heir(s) shall be regarded as the Registered User thereafter.
In case of inability of Goldsikka to make deliveries of physical bullion due to reasons beyond its control, Goldsikka may require that the deliveries be effectuated through specific modes including through local agents / jewelers. In such a case, you agree to bear any additional costs and fees necessary for the delivery to be complete.

CONTACTS PRIVACY POLICY

Goldsikka Jewels Limited, is committed to protecting your privacy. This Privacy Policy describes how we collect, use, process, and disclose your information, including Personal Data (as defined below), in conjunction with your access to and use of our Services, and it applies to all of the Services offered by Goldsikka and its affiliates including but not limited to all of our Apps, Sites, APIs (including exports), and Integrations. “Users” as defined in this Privacy Policy includes any user of our Services including individual End Users, organizational Clients, and Developers.

Capitalized terms not defined in this Privacy Policy have the meanings given in our Terms of Use.

Contacts Privacy Policy will Specifically cover:

1) Information Goldsikka Collects
2) How Goldsikka Use Information
3) How Information Is Shared
4) Data Retention
5) Third Party Websites
6) Minors
7) Data Protection
8) Your Rights
9) Your Rights Under the GDPR
10) Changes to This Privacy Policy
11) How to Contact Us

1. INFORMATION WE COLLECT

1.1 Types of Data We Collect

“Personal Data” means any data that allows someone to identify or contact an individual data subject, including, for example, name, address, telephone number, email address, as well as any other non-public information that is associated with or linked to any of the foregoing data. “Anonymous Data” means data that is not associated with or linked to your Personal Data; Anonymous Data does not, by itself, permit the identification of individual persons. We collect Personal Data and Anonymous Data, as described below.

1.2 Information You Provide Us

Account Information. When you sign up for an Account, we may require certain information such as your full name, organization, phone number, email address(s) and password. You may optionally choose to sign into, using a third party (e.g., your Google login). If you choose to do this, you will be asked whether you agree to the third party providing certain information to Goldsikka, such as your name, email address, profile photo, and other information associated with your account.

Profile Information. To help improve your experience or enable certain features of the Services, you may choose to create a profile including information such as your name, photo, email, phone, urls, physical address, instant message handles, dates, job title, gender, bio, and interests.

Referrals. When you use Goldsikka, to refer our Services to others we will collect and use any contact information you choose to provide and automatically generate an invitation to the contacts you select.

Payment Information. Some of our Services require payment. We may use third party service providers such as Stripe to collect all information necessary to complete the transaction. Such information may include name, credit card and billing information, as well as additional fields required for payment. We never share your billing and payment information.

General Communication. If you contact us (for example via email or phone) we will collect information such as your name, phone number, email address, as well as any other content that you provide. We also may create event logs to diagnose product or app related issues, and capture information relating to any support or service issues. To improve customer service, subject to applicable laws, we may also record and review conversations with customer support representatives and analyze any feedback provided through voluntary customer surveys.

Additional Information. You may otherwise choose to provide us information when you fill in a form, conduct a search, update or add information to your Account, respond to surveys, provide feedback, request support, post to forums, participate in promotions, or use other features of our Services. We may also collect information at other points in our Services when clearly stated that information is being collected.

1.3 Information We Receive from Your Use of Our Services

1.3.1 Your Contacts

We provide a variety of Services that enable you to effectively manage contact information that you provide to us as part of the Services (your “Contacts”, also referred to as “End User Contact Data” in our Terms of Use. Contacts typically contain information on individuals (or organizations) including names, email addresses, phone numbers, URLs, social handles, online identifiers, and physical addresses. Your Contacts may also contain additional information on individuals such as organizational affiliations, job titles, birthdays, key dates, age, gender, general location, relationships, skills, interests, preferences, notes, photos, tags and other categorizations. Depending on which Services you elect to use, Contacts may be collected in one or more of the following ways:

Connected Services. Many of our Services allow you to connect with external systems or databases that contain your Contacts. Examples include but are not limited to:
1) third-party contact management applications and services,
2) communication applications such as email providers, video conferencing systems, calendar applications, and social networks, and
3) sales, marketing, customer service, and media applications and platforms. Connections to such services generally require you to sign into those services.

User Interfaces. Many of our Services allow you to directly enter, edit, or otherwise manage your Contacts by means such as typing into a user interface or speaking to a voice interface.

APIs. Contacts may also be collected when you submit Contacts through our API. This includes both APIs for directly managing contacts as well as APIs for lookup or search.

Uploaded Files. You may also elect to upload lists of Contacts to Goldsikka for processing.

Third-Party Applications. Goldsikka may enable you to manually or automatically transfer, upload, or copy-and-paste contact information from certain third-party applications into Contacts+.

Contact Extraction. You may elect certain Goldsikka features that extract Contacts from email, text or photographs. Examples include our business card scanning feature and our email signature extraction feature. We will not process the content of the communication unless you have explicitly asked us to do so.

Shared Contacts. Other users may elect to share their Contacts or their personal contact details with you.

1.3.2 Relationship Information

We provide a variety of Services that enable you to effectively manage your relationships. Depending on which Services you elect to use, relationship information may be collected in one or more of the following ways:

Your Contacts. Your Contacts suggest a certain relationship between you and the people or organizations those Contacts represent. Your Contacts may explicitly indicate the nature of the relationship. We may also infer the strength or nature of a relationship based on the presence or absence of certain contact information such as mobile numbers or key dates, as well as shared elements such as physical addresses or organizational affiliations. Inferred relationship information may also be based on how you interact with individual Contacts such as how often you access or modify them.

Connected Services. Many of our Services allow you to connect with external systems or databases that may contain information on your relationships, such as “connections” on social networks or other platforms.

Communication MetaData. Some of our Services may infer relationship information based on communication patterns. For example, any time communication is initiated within our Apps, we may collect communication metadata including the individual contacted, the time, and the length or duration of the communication. We may similarly collect communication metadata from services you have elected to connect to Goldsikka, such as email providers. In some cases, communication metadata may be collected directly from a device. We will not process the content of the communication unless you have explicitly asked us to do so (e.g., for purposes of contact extraction).

Appointment Data. If you have connected a calendar or scheduling service to Contacts+, we may collect information such as the appointment time, location, duration, and participants.

1.3.3 Location Information

Geo-location. When you use certain features of our Services, we may collect information about your precise or approximate location as determined through data such as your IP address or mobile device’s GPS to offer you an improved user experience. Most mobile devices allow you to control or disable the use of location services for applications in the device’s settings menu.

Maps Services. Parts of the Services may use maps services such as Google Maps, Apple Maps and Waze. Use of each service is subject to the respective service’s terms of use (including Google Maps Additional Terms of Use) and their respective privacy policies. We recommend you read the respective services terms of use and privacy policies prior to using them.

1.3.4 Usage and Device Information

We may collect the following information from the applications and devices you use to access our Services:

Usage Information. We collect information about your interactions with the Services, such as when you login, pages you visit, buttons you click, and other actions performed with our Services. This includes usage information related to connected services as well as our APIs.

Log Data and Device Information. We automatically collect log data and device information when you access and use our Services, even if you have not created an Account or logged in. That information includes, among other things: details about how you’ve used the Services, IP address, access dates and times, hardware and software information, device information, device event information, unique identifiers, crash data, cookie data, and the pages you’ve viewed or engaged with before or after using the Services.

Cookies and Similar Technologies. We use cookies and other similar technologies, such as web beacons, pixels, and mobile identifiers. We may also allow our business partners to use these tracking technologies on our Platform or engage others to track your behavior on our behalf. While you may disable the usage of cookies through your browser settings, our Services currently do not respond to a “Do Not Track” signal in the HTTP header from your browser or mobile application due to lack of standardization regarding how that signal should be interpreted.

1.4 Information We Receive from Third Parties.

We may receive information that others provide about you when they use the Services (through Contacts provided to us as described above), or obtain information from other sources, including but not limited to public or licensed APIs (“Public Data”), and combine that with information we collect through the Services. We do not control, supervise, or respond for how the third parties providing your information process your Personal Data.

Analytics. We may collect and allow third parties to collect information about how you use and interact with our Site and Services. Examples of third-party providers of analytics and similar services may include:

Google Analytics, Facebook Analytics and Amplitude are used to track app and site statistics and user demographics, interests and behavior on websites and apps. We also use Google Search Console to help understand how our website visitors find our websites and to improve our search engine optimization.

Rollbar; Crashlytics (Fabric). Used to help us better understand usage of our mobile apps to improve user experience and to identify and resolve the root causes of app crashes. We recommend you read ‘Crashlytics’ privacy policy, and Rollbar’s privacy policy for more information about how these services use and process data, including Personal Data.

Third Party Services. If you link, connect, or login to your Account with a third party service (For Example: Google), the third party service may send us information such as your registration and profile information. This information varies and is controlled by that service or as authorized by you via your privacy settings in that service.

Other Sources. To the extent permitted by applicable law, we may receive additional information about you, such as demographic or interests data, from third party service providers and/or partners, and combine that information with information we have about you. We may receive information about you and your activities whether as part of or outside our Services through partnerships, or about your experiences and interactions from our partner ad networks.

2. HOW WE USE INFORMATION

We use, store, and process information, including Personal Data, to provide, understand, improve, and develop our Services, create and maintain a trusted and safer environment, and comply with our legal obligations. App’s use of information received from Gmail APIs will adhere to Google’s Limited Use Requirements.

2.1 Provide, Maintain, and Support the Services

Using the information we collect, we are able to deliver the Services to you and honor our Terms of Use. For example, we may process your Contacts to provide you with the contact management features you select, including but not limited to Contact storage, backup, editing, synchronization, deduplication, search, tagging, sharing, and grouping.

Relationship information may be used for relationship management services including determining, classifying, and ranking relationships, as well as recommending communication actions, appointments, or new connections. Relationship information may also be used to improve certain contact management functions such as duplication, tagging, and grouping.

We also need to use the information you provide (including Personal Data) to facilitate the creation of and secure your Account on our network, identify you as a user in our system, provide improved administration and quality of experience of our Site and Services, send email, call, or send SMS text messages to you to verify ownership of the email address or phone number provided when your Account was created, send you service, support or maintenance messages, updates, security alerts, and Account notifications. Your information may also be used for the detection and prevention of fraud, spam, abuse, and other harmful activity, and for any purpose you authorize at the time of collection.

Additionally, to provide you technical support, we may need to review your Account and the contents of your Account to identify, research, troubleshoot, and resolve any issues that you report to us or that we otherwise become aware of.

2.2 Improve, Personalize, and Develop the Services

We use the information we collect to improve and personalize the Services and to develop new ones. For example, we use the information to troubleshoot and protect against errors; perform data analysis and testing; conduct research and surveys; and develop new features and services.

2.3 Provide, Personalize, Measure, and Improve our Advertising and Marketing

We may process your information (including Personal Data) for marketing purposes including profiling and offering you products or services that may be of interest to you (such as information about our Services or partner campaigns and other third party services). We may also administer referral programs, rewards, surveys, sweepstakes, contests, newsletters, or other promotional activities or events sponsored or managed by us or a third party partners. You can opt-out of receiving marketing communications from us by following the unsubscribe instructions included in our marketing communications or changing your notification settings within your Account.

We may also process your Contacts and relationship information to suggest people for you to invite to use our Services. When you have chosen to send a referral to another individual or organization, we may process your Contacts and relationship information to facilitate your referral invitations.

2.4 Combine Contacts Across Users

By selectively combining your Contacts and relationship information with information from other users we can provide you and other users with enhanced features and Services. Your Contacts may be combined with other Users’ Contacts, as well as Public Data and other publicly available information and information we receive from third parties, to build more complete contact records of individuals (“Completed Contact Data”). Completed Contact Data reside in our Database and may be processed for the purposes described in the remainder of this section.

Completed Contact Data may be used to provide you and other Users of our Services with enhanced deduplication. Deduplication is a service that cleans up Contacts by automatically merging duplicate Contact records. The deduplication service relies on making associations between different Contact elements. For example, you might have two Contacts for the same individual in your address book or in your Customer database or file: one Contact that contains just a first name and a phone number, and a second Contact that contains a full name and an email address only. In order to determine whether those two Contacts represent the same individual and should be merged, we look at the Completed Contact Data for that individual. If, in this example, both the phone number and the email address exist within Completed Contact Data for that individual, we may automatically merge (or suggest you to merge) your two Contacts. In the above example, we may have learned of the linkage between the phone number and email address from publicly available sources. In other cases, we may have been able to infer the linkage or we may have learned the linkage from one or more other Users of our Services who have contributed a Contact that contains those two contact elements together. In this way you are benefiting from information that other Users of our Services have contributed to Completed Contact Data. Similarly, contributing your information to Completed Contact Data benefits other Users of our Services. Relationship information from you and other Users of our Services may also be used in providing enhanced deduplication. For example, the fact that two Contacts in your address book contain the same first name may increase the chances that those Contacts represent the same individual.

Your Contact information may also be combined with other Users of our Services data to provide contact enrichment. In contact enrichment, a User is able to match a Contact that they possess to our Completed Contact Data and receive back a subset of the contact information from the relevant Completed Contact Data for that individual. For example, we may share an individual’s name to support features including but not limited to caller ID. We also may share public social handles to support Contact Enrichment. Certain professional information including but not limited to business emails, organizational affiliation and job title, that can be inferred or extracted from a business card or email signature, may also be shared. Finally, generalized demographic information such as age range and gender, affinities, unique pseudonymized identifiers, as well as derived general location from a phone number or physical address, may also be shared. We will never share physical addresses, personal phone numbers, personal emails unless you have given us your specific and unequivocal permission to share that information or we have secured the information via pseudonymization (e.g., through cryptographic hashing). We will never share any of your private notes with any other User.

We also use Completed Contact Data to provide Contact Search, such as when a User of our Services wants to retrieve a set of Completed Contact Data based on a set of search criteria. With the exception of the shareable contact elements described above, all contact elements in a Completed Contact are considered private and are not shared with other Users of our Services. However, any contact element (including those private elements) may be used for lookup and matching purposes.

2.5 Creation of Anonymous Data

We may create Anonymous Data records from information by excluding certain private data in a manner that makes the data not personally identifiable. We use this Anonymous Data to analyze request and usage patterns so that we may enhance the content of our Services and improve Site navigation. We reserve the right to use Anonymous Data for any purpose and disclose Anonymous Data to third parties in our sole discretion.

2.6 Additional Limits on Use of Your Google User Data

Notwithstanding anything else in this Privacy Policy, if you provide the App access to the following types of your Google data, the App’s use of that data will be subject to these additional restrictions:

The App will only use access to a read permission to provide a signature extraction feature that allows you to pull signature information from emails directly to your contacts. We will not transfer this Gmail data to others unless doing so is necessary to provide and improve these features, comply with applicable law, or as part of a merger, acquisition, or sale of assets.

The App will not request the following permissions: write, modify, or control Gmail message bodies (including attachments), metadata, headers, and settings.

The App will not use this Gmail data for serving advertisements.

The App will not allow humans to read this data unless we have your affirmative agreement for specific messages, doing so is necessary for security purposes such as investigating abuse, to comply with applicable law, or for the App’s internal operations and even then only when the data have been aggregated and anonymized.

App’s use of information received, and App’s transfer of information to any other app, from Google APIs will adhere to Google’s Limited Use Requirements.

3. HOW INFORMATION IS SHARED

3.1 When You Consent, Agree or Direct Us to Share

You may authorize us to disclose your information to others, such as when you connect a third party application or website to access your Account, when you participate in promotional activities conducted by our partners or third parties or when you exercise consent as requested in the use of our Services.

3.2 Sharing between Users

To provide our Services, we may need to share certain information with other Users of our Services, as it is necessary for the adequate performance of the contract between you and us and for performance of certain features of our Services based on our legitimate interest. Examples include, but are not limited to, sharing information through our Teams products as well as information contributed to our Database for the purposes of improving the Services for both you and other End Users and Developers (as described in Section 2.4).

3.3 Compliance with Law, Responding to Legal Requests, Preventing Harm, and Protection of Yours or Our Rights

Regardless of any choices you make regarding your Personal Data (as described below), we may disclose Personal Data if it believes in good faith that such disclosure is necessary
(a) in connection with any legal investigation;
(b) to comply with applicable laws, including laws outside your country of residence;
(c) to respond to requests from public and government authorities (including authorities outside your country of residence) or to respond to subpoenas or warrants;
(d) to protect or defend our rights or our property of and/or that of you or other End Users or Developers; and/or
(e) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or Terms of Use. In addition, under certain applicable laws, individuals may have the right to require that we disclose to them their information (including Personal Data) that we store in our Database. We will make such disclosures required by law, but we will not disclose you as the source of that information unless required by law.

3.4 Service Providers

We use a variety of third party service providers to help us provide our Services. These Service providers may be located anywhere worldwide in countries outside your country of residence. In particular, currently use service providers based in Europe, India, Asia Pacific and North and South America.

In order to facilitate payments for Services we provide, certain information as described above may be shared with the relevant payments service providers. This data sharing is necessary for the performance of the contract between you and us.

These service providers may have limited access to your information as necessary to perform these services on our behalf and are contractually bound to protect and to use your information only for the purposes for which it was disclosed and consistent with this Privacy Policy.

We may need to share your information in order to deliver the Services to you and honor our Terms of Use.

3.5 Corporate Affiliates

To enable or support us in providing the Services, we may share your information including Personal Data, in compliance with local data privacy laws, within our corporate family of companies that are related by common ownership or control.

Sharing with our subsidiaries. Your information may be shared with our wholly owned subsidiaries. The information shared in these circumstances may include Personal Data including but not limited to Contact information.

3.6 Social Media Platforms.

Where permissible according to applicable law we may use certain derivative Personal Data about you, such as a cryptographic hash of a personal email and share it with social media platforms, such as Facebook or Google, to generate leads, drive traffic to our Sites or otherwise promote our Services.

The social media platforms with which we may share your Personal Data are not controlled or supervised by us. Therefore, any questions regarding how your social media platform service provider processes your Personal Data should be directed to such provider.

Please note that you may, at any time ask us to cease processing your Personal Data for these direct marketing purposes by sending an email to: info@goldsikka.com

3.7 Business Transfers.

If we undertake or are involved in any merger, acquisition, reorganization, sale of assets, bankruptcy, or insolvency event, then we may sell, transfer or share some or all of our assets, including your information, in connection with such transaction, or in preparation for or contemplation of such transaction (e.g., due diligence).

3.8 Aggregated and Anonymized Data.

We may also use and share aggregated information (information about our users that we combine together so that it no longer identifies or references an individual user) and other Anonymized Data for any lawful purpose, including (but not limited to) regulatory compliance, industry and market analysis, demographic profiling, marketing and advertising, and other business purposes.

4. DATA RETENTION

We generally retain your information for as long as is necessary for the performance of the Services to you and our other Users and to comply with our legal obligations. This includes information that you have made available to our Database for the purposes of improving the Services for both you and other Users of our Services (as described in Section 2.4).

You may request that we delete your information and close your Account or you can delete your End User Contact Data and close your Account on your own. Please note that if you request the deletion of your information or if you delete your information:

We may retain some of your information as necessary for fraud detection and prevention and enhancing safety. For example, if we suspend an Account for fraud or safety reasons, we may retain certain information from that Account to prevent that user from opening a new Account in the future.

We may retain and use your information to the extent necessary to comply with our legal obligations. For example, we may keep some of your information for tax, legal reporting, and auditing obligations.

Information you have shared with other systems (e.g., Google) may continue to exist in those systems, and in some cases be publicly visible.

Some copies of your information (e.g., log records) may remain in our Database but are disassociated from personal identifiers.

Because we maintain backup to protect our Services from accidental or malicious loss and destruction, residual copies of your information will be included in backups and may not be removed from our backup systems.

5. THIRD PARTY WEBSITES

When you click on a link to any other website or location, you will leave our Site and go to another site and another entity may collect Personal Data or Anonymous Data from you. We have no control over, do not review, and cannot be responsible for, these outside websites, or the manner in which they collect, use and handle information or content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or content, or to any collection of data after you click on links to such outside websites.

6. MINORS

Our Services are not intended for or designed to attract anyone under the age of 18 (“Minors”). We don’t intentionally or knowingly collect personal information regarding Minors and our Terms of Use explicitly prohibit the use of our Services by Minors. If a parent or guardian becomes aware that his or her child has provided us with Personal Data without such parent or guardian’s consent, he or she should contact us. We will then delete such information from our Database.

7. DATA PROTECTION

7.1 Security

We are continuously implementing and updating appropriate technical and organizational measures to help protect your Personal Data against unauthorized access, loss, destruction, or alteration. Some of the safeguards we use to protect your Personal Data are firewalls and data encryption, and information access controls. If you know or have reason to believe that your account credentials have been lost, stolen, misappropriated, or otherwise compromised or in case of any actual or suspected unauthorized use of your Account, please contact us following the instructions in the “Contact Us” section below.

7.2. Our International Operations and Data Transfers

To bring you our Services, we operate globally. We may transfer, store, and process your information within our family of companies or with service providers based in Europe, India, Asia and North America. Laws in these countries may differ from the laws applicable to your country of residence. For example, information collected within the European Economic Area (the “EEA”) may be transferred, stored, and processed outside of the EEA for the purposes described in this Privacy Policy.

8. YOUR RIGHTS

8.1 Email Choices

We offer you choices regarding the collection, use, and sharing of your Personal Data. If you are a User of our Services, we may periodically send you free newsletters and emails that promote our Site or Services as well as products or services we think you may be interested in. When you receive such promotional newsletters or communications from us, you may indicate a preference to stop receiving them from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email you receive or by contacting us directly. Despite your indicated email preferences, we may send you service related communication, including notices of any updates to our Terms of Use or Privacy Policy.

8.2 Access, Correction, and Deletion

We allow any data subject, including the End Users of our Services, to access, modify, and set permissions with respect to Personal Data that it holds about them. You and any data subject may access and make corrections and choices about your Personal Data by visiting your Profile page.

Please note however that, if you request that we delete your Personal Data, we will not do so to protect your rights and freedoms because, if we do, another user may later upload your contact information and we will not have a record that you requested that your contact information be deleted. Instead of deleting your End User Contact Data from our Database, we will retain it but flag it, restrict any further processing and not use or share it with any third parties. Finally, we provide you with the ability to export your Personal Data, End User Contact Data or Completed Contact Data from some of our Services at any time using industry standard formats.

Further information for data subjects can be found at https://www.goldssika.com/privacy-policy.

9. YOUR RIGHTS UNDER THE GDPR

In the Use of our Services we mainly act as data processor and, in some cases, we may act as data controller when we determine the purposes and means of the processing of Personal Data.

Users may exercise any of the rights described in this section by using the applicable functionality in our Services or by contacting us directly. Please note that we may ask you to verify your identity before taking action on your request.

9.1 Purposes and Legal Basis for Processing.

The purposes for processing are described in detail in Section 2 (“HOW WE USE INFORMATION”). In the Use of our Services when we act as data controller the legal basis for processing is as follows:

Provide and Maintain the Services (Section 2.1): This enables us to deliver the Services to you and honor our Terms of Use in the performance of a contract.

Improve, Personalize, and Develop the Services (Section 2.2): This use is based on our Legitimate Interest in improving our services for you and other users.

Provide, Personalize, Measure, and Improve our Advertising and Marketing (Section 2.3): This use is based on our Legitimate Interest in marketing our Services.

Combine Contacts and Relationship Information Across Users (Section 2.4): This use is necessary to deliver certain Services to you and is based on our your explicit Consent.

Creation of Anonymous Data (Section 2.5): This use is based on our Legitimate Interests to improve and market our Services.

9.2 Categories of Recipients of Data. Recipients of data are detailed in Section 3 (“HOW INFORMATION IS SHARED”).

9.3 Rectification of Inaccurate or Incomplete Information. You have the right to ask us to correct inaccurate or incomplete Personal Data concerning you (and which you cannot update yourself within your Account).

9.4 Data Access and Portability. In some jurisdictions, applicable law may entitle you to request copies of your Personal Data held by us. You may also be entitled to request copies of Personal Data that you have provided to us in a structured, commonly used, and machine-readable format and/or request us to transmit this information to another service provider (where technically feasible).

9.5 Withdrawing Consent and Restriction of Processing. Where you have provided your consent to the processing of your Personal Data by us you may easily withdraw your consent at any time specifying which consent you are withdrawing. Please note that the withdrawal of your consent does not affect the lawfulness of any processing activities based on such consent before its withdrawal. Additionally, in some jurisdictions, applicable law may give you the right to limit the ways in which we use your Personal Data, in particular where

(i) you contest the accuracy of your Personal Data;
(ii) the processing is unlawful and you oppose the erasure of your Personal Data;
(iii) we no longer need your Personal Data for the purposes of the processing, but you require the information for the establishment, exercise or defence of legal claims; or
(iv) you have objected to the processing pursuant to Section 9.2.6 below (“Objection to Processing”) and pending the verification whether the legitimate grounds of Goldsikka override your own.

9.6 Objection to Processing. In some jurisdictions, applicable law may entitle you to require us not to process your Personal Data for certain specific purposes, where such processing is based on legitimate interest. If you object to such processing we will no longer process your Personal Data for these purposes unless we can demonstrate compelling legitimate grounds for such processing or such processing is required for the establishment, exercise, or defence of legal claims. Where your Personal Data is processed for direct marketing purposes, you may, at any time, ask us to cease processing your Personal Data for these direct marketing purposes by sending an email to: privacy@contactsplus.com.

9.7 Lodging Complaints. You have the right to lodge complaints about the data processing activities carried out by us before the competent data protection authorities.

10. CHANGES TO THIS PRIVACY POLICY

This Privacy Policy is subject to occasional revision, and if we make any material changes in the way we use your Personal Data, we will notify you by sending you an email to the last email address associated with your Account, and/or by prominently posting notice of the changes on our Site. If any changes materially affect the manner in which we use or disclose Personal Data, we will provide advance notice of the change by email to the last email address associated with your Account, and/or by prominently posting notice of the changes on our Site. Continued use of our Site or Service, following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

11. HOW TO CONTACT US

If you have any questions or complaints about this Privacy Policy, please contact us at: info@goldsikka.com Kind Attn “Data Protection Officer (DPO)