Privacy Policy

Gold Fund ("we", "us", or "our"), operated at goldfund.universalcalculators.net, is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information.

By using our platform, you agree to the collection and use of information in accordance with this policy.

We collect the following types of information:

• Account information: email address and password (stored securely via Supabase Auth)
• Group data: group name, member names, phone numbers, contribution amounts, draw history
• Payment information: Razorpay payment IDs for group unlock payments (we do not store card or bank details — these are handled entirely by Razorpay)
• Usage data: pages visited, actions taken within the dashboard (for improving the product)
• Device information: browser type, operating system, IP address (collected automatically)

Your information is used to:

• Provide, operate, and maintain the Gold Fund platform
• Process and verify payments via Razorpay
• Send transactional emails (e.g., email verification, password reset)
• Improve and personalise your experience on the platform
• Respond to your support queries
• Comply with legal obligations

Your data is stored on Supabase — a secure, SOC 2 Type II certified cloud database provider. All data is encrypted in transit (TLS/HTTPS) and at rest.

Payment processing is handled by Razorpay, a PCI-DSS compliant payment gateway. We never store your credit card number, CVV, or bank account details on our servers.

We do not sell, trade, or rent your personal data to third parties. We share data only with:

• Supabase — for data storage and authentication
• Razorpay — solely for processing payments (subject to Razorpay's own Privacy Policy)
• Vercel — for hosting the application (no personal data is processed beyond standard web server logs)
• Law enforcement or regulatory authorities — only when required by law

We use minimal, essential cookies required for authentication (session management). We do not use advertising or tracking cookies. You can disable cookies in your browser settings, but this may affect platform functionality.

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your account and associated data
• Withdraw consent for data processing at any time
• Lodge a complaint with a data protection authority

To exercise any of these rights, email us at universalcalculators@gmail.com.

We retain your data for as long as your account is active or as needed to provide services. If you delete your account, we will delete your personal data within 30 days, unless we are required to retain it by law.

Gold Fund is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated "Last updated" date. Continued use of the platform after changes constitutes your acceptance of the updated policy.

For any privacy-related questions or requests, please contact us at universalcalculators@gmail.com.