PGR Jewellers

ABOUT THIS PRIVACY POLICY

PGR Jewellers ("we," "our," or "us") is the developer and operator of the PGR Jewellers mobile application and website. This Privacy Policy describes how PGR Jewellers collects, uses, and protects your personal information when you use our mobile app and website services.

HOW WE COLLECT INFORMATION

PGR Jewellers collects information from you in two ways: directly from your input and automatically through our mobile app and website technologies.

Mobile App Information Collection

When you use the PGR Jewellers Saving Scheme App, we may collect:

• Device information (device model, operating system, unique device identifiers)
• App usage data and analytics
• Location data (if you grant permission)
• Camera and photo access (for jewelry selection and scheme enrollment)
• Push notification preferences
• Scheme enrollment information and preferences
• Payment history and installment tracking data

Direct Information Collection

When you interact with our services (mobile app and website), we may collect:

• Personal information you provide when creating an account
• Contact details when you enroll in saving schemes
• Payment information for installment processing
• Scheme enrollment details and preferences
• Installment payment history and schedules
• Communication preferences and feedback
• User-generated content (reviews, photos, jewelry preferences)
• Bank account details for installment payments
• Identity verification documents for scheme enrollment

Third-Party Account Integration

If you choose to register and sign in using a third-party account (such as your Facebook account), the authentication of your login is handled by the third party. PGR Jewellers will collect your name, email address, and any other information about your third-party account that you agree to share with us at the time you give permission for your PGR Jewellers account to be linked to your third-party account.

INFORMATION WE RECEIVE FROM OTHER SOURCES

PGR Jewellers may hold information about you if you use any of the other websites we operate or the other services we provide. We also work closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.

USE OF YOUR INFORMATION

PGR Jewellers uses your information for the following purposes:

• To provide and improve our jewelry saving scheme app and website services
• To process scheme enrollments and manage installment payments
• To track your saving scheme progress and payment history
• To respond to your requests, inquiries, comments, or concerns
• To administer our services and for internal operations, including troubleshooting, data analysis, testing, statistical and survey purposes
• To allow you to participate in interactive features of our mobile app and website when you choose to do so
• As part of our efforts to keep our app and site safe and secure
• To process your jewelry orders and provide customer support
• To send you important updates about your schemes, payments, and our services
• To personalize your experience with our mobile app
• To send push notifications about payment reminders, scheme updates, and promotions (with your consent)
• To analyze app usage patterns to improve user experience
• To comply with financial regulations and payment processing requirements
• For any other purpose that we may notify you of from time to time, providing that we have sought your consent

CROSS BORDER TRANSFERS

PGR Jewellers may transfer your personal information outside of your country of residence for the following reasons:

In order to process your transactions. This may occur on servers in countries other than the country where you live. PGR Jewellers has servers and major office locations in several countries, in particular in the United States, the United Kingdom, Germany, Singapore, Brazil, India, and Australia and has service providers located in India and the Philippines amongst other countries. Such processing may include, among other things, the fulfillment of your order, the processing of your payment details, and the provision of support services.

DATA SECURITY

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

YOUR RIGHTS

You have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Object to the processing of your personal information
• Withdraw consent at any time

COOKIES AND TRACKING

Our website and mobile app use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. The PGR Jewellers mobile app may also collect device identifiers and usage analytics to improve app performance and user experience. You can control cookie settings through your browser preferences and app settings.

MOBILE APP PERMISSIONS

The PGR Jewellers Saving Scheme App may request the following permissions:

• Camera: To allow you to take photos of jewelry for scheme selection or upload images for customization
• Location: To provide location-based services and store locator features
• Storage: To save app data, scheme details, and user preferences locally on your device
• Notifications: To send you payment reminders, scheme updates, promotions, and app features
• Internet Access: To sync data, process payments, and provide online services
• Phone/SMS: To send payment reminders and scheme notifications via SMS

You can manage these permissions through your device settings at any time.

JEWELRY SAVING SCHEMES

Our app provides jewelry saving schemes where customers can:

• Enroll in various saving schemes for different jewelry items
• Make regular installment payments towards their chosen jewelry
• Track their saving progress and remaining balance
• Receive notifications about payment due dates
• View their scheme history and completed purchases

We collect and process your personal and financial information to manage these schemes, process payments, and provide you with the best service experience.