Privacy Policy

This Privacy Policy explains how Recapita Metals, operated by Recapita Metals, having its registered office at 10, Amltash Phase –I, Chunabhatti, Kolar road, Bhopal 462016 Recapita Metals, collects, uses, stores, shares and protects personal data when you visit or use www.recapitametals.in, place an order, communicate with us, or otherwise use our products and services (collectively, the “Services”).

By using the Services or providing your personal data, you acknowledge that you have read this Privacy Policy. Where consent is required under applicable law, we will request it through an appropriate notice or affirmative action.

1. Information We Collect:

Depending on how you interact with us, we may collect certain personal data, including your name, billing and delivery address, email address, mobile number, date of birth, PAN, GSTIN and other identification or KYC details, where required by law. We may also collect order and transaction information, such as products viewed or purchased, quantity, price, invoice details, order history, payment status, refunds, cancellations and delivery information.

Payment-related information may include your payment method, masked account or card details, payment references, UPI or bank transaction references and settlement status. Payments may be processed through authorised banks and payment service providers, and we do not ordinarily receive or store complete card credentials, CVV, UPI PIN or internet-banking passwords. We may also collect technical and usage information, including IP address, device and browser details, operating system, pages viewed, referring URL, timestamps, cookie identifiers and website interaction data.

In addition, we may collect communication data, such as enquiries, complaints, feedback and communications shared through email, telephone, website forms, WhatsApp, social media or customer support. We may collect verification and risk-related information where reasonably necessary to verify identity, prevent fraud, assess suspicious activity, comply with transaction limits, and meet applicable tax, accounting, consumer-protection and other legal requirements relating to precious-metal transactions.

We may also record your marketing preferences regarding promotional emails, messages and other communications. You should provide only personal data that is necessary, accurate and up to date. If you provide personal data relating to another person, you confirm that you are authorised to do so and have provided that person with the information required under applicable law.

2. How we collect personal data

We collect personal data:

• Directly from you when you register, place an order, make a payment, request delivery, contact us or participate in an offer;

• Automatically through cookies, logs and similar technologies when you use the website;

• From payment gateways, banks, delivery and logistics partners, customer-support providers and other service providers involved in fulfilling your transaction;

• From public records, verification providers or lawful sources where necessary for fraud prevention, KYC or legal compliance; and

• From social-media or messaging platforms when you choose to communicate with us through them.

3. Purposes for Which We Use Personal Data

We may process personal data to create and manage your account; accept, verify and process orders and payments; issue invoices, confirmations, refunds and transaction communications; arrange dispatch, delivery, returns or replacement of products; verify identity, address, PAN/GSTIN or transaction details where required; detect and prevent fraud, impersonation, unauthorised transactions, misuse and security incidents; respond to enquiries, complaints and grievance requests; maintain accounts, audit trails and business records; comply with applicable laws, regulatory requirements, court orders and lawful requests from public authorities; operate, secure, troubleshoot and improve the website and customer experience; perform analytics and understand how the Services are used; and send offers or promotional communications where permitted by law and consistent with your preferences. We will not use personal data for a new purpose that is incompatible with the purpose communicated to you unless permitted by law or after providing an appropriate notice and obtaining consent where required.

4. Grounds for Processing

We process personal data on the basis of your consent where consent is required, to provide products or services requested by you, to comply with legal obligations, and for other uses permitted under applicable law. You may withdraw consent by contacting us using the details below. Withdrawal will not affect processing already carried out lawfully and may limit our ability to provide a service that requires the relevant data.

5. Cookies and similar technologies

We may use strictly necessary cookies to operate the website and, subject to applicable consent requirements, functional, analytics or advertising cookies to remember preferences, understand usage and measure campaigns. Third-party tools may also place cookies or similar technologies.

Where a cookie preference tool is available, you may use it to manage non-essential cookies. You may also control cookies through your browser, although blocking necessary cookies may affect website functionality. Details of material non-essential cookies and their duration should be made available through the cookie banner or a separate cookie notice.

6. How We Share Personal Data

We may share only such personal data as is reasonably necessary with payment gateways, acquiring banks, card networks, UPI participants and fraud-prevention providers; couriers, logistics partners, insurers and address-verification providers; website hosting, cloud, analytics, communications, customer-support and technology providers; professional advisers, auditors, accountants and legal consultants; group entities, where required for legitimate business operations and permitted by law; government, judicial, tax, regulatory or law-enforcement authorities where disclosure is legally required; and a buyer, investor or successor in connection with a proposed or completed merger, restructuring, financing or transfer of business, subject to appropriate confidentiality and legal safeguards. We require service providers to process personal data for authorised purposes and to maintain appropriate confidentiality and security. We do not sell or rent personal data for monetary consideration.

7. Payment processing

Online payments are processed through third-party payment service providers under their own terms and privacy practices. You should review the privacy notice displayed by the relevant provider. Recapita Metals receives transaction confirmations and limited payment information required to reconcile, fulfil, refund and support your order.

Do not disclose your CVV, OTP, UPI PIN, internet-banking password or other payment authentication credential to any Recapita Metals employee or representative. We will never ask you to share such credentials.

8. Data Retention and Security

We retain personal data only for as long as reasonably necessary for the purposes described in this Policy, including completion of transactions, customer support, fraud prevention and compliance with applicable tax, accounting, consumer-protection, limitation and regulatory requirements. Retention periods may vary by category of record. When personal data is no longer required, we will delete, anonymise or securely dispose of it, unless retention is required or permitted by law or is necessary for establishing, exercising or defending legal claims.

We implement reasonable technical and organisational safeguards appropriate to the nature of the personal data and associated risks. These may include access controls, encryption in transit where supported, system monitoring, restricted access, backups and vendor controls. No online service or transmission method is completely secure. You are responsible for maintaining the confidentiality of your account credentials and for promptly informing us of suspected unauthorised use. If a personal-data breach occurs, we will take appropriate response and notification measures as required by applicable law.

9. Your rights and choices

Subject to applicable law and verification of your identity, you may request:

• Information about or access to your personal data and its processing;

• Correction, completion or updating of inaccurate or incomplete personal data;

• Erasure of personal data that is no longer required, subject to legal retention obligations;

• Withdrawal of consent for consent-based processing;

• Cessation of promotional communications; and

• Grievance redressal regarding our handling of personal data.

You may exercise these rights by writing to grievanceofficer@recapitafinance.com. We may request reasonable information to verify your identity and locate the relevant records. If applicable law provides a right to nominate another individual to exercise rights in the event of death or incapacity, you may submit such a request through the same contact.

You may unsubscribe from marketing emails using the link in the email or contact us. Transactional and service-related communications may continue even after you opt out of marketing.

10. Third-party links

The website may contain links to third-party websites, applications or services. Their privacy and security practices are governed by their own policies. We are not responsible for third-party practices, and you should review their notices before providing personal data.

11. Grievance Officer and contact details

For privacy questions, rights requests or complaints, please contact:

Grievance Officer / Privacy Contact: Sumit Palta

Entity: Recapita Metals

Address: 10, Amltash Phase –I, Chunbhatti, Kolar Road, Bhopal, 462016

Email: sumit.palta@recapitafinance.com

Telephone: +91 9109915411

Response hours: Monday to Friday (09:30 am to 06:00 pm)

We will acknowledge and address grievances within the timelines prescribed under applicable law. If you are not satisfied with our response, you may pursue remedies available under applicable law.