Terms &
Conditions

Last Updated: April, 2026

1. INTRODUCTION

1.1 Bright Digi Gold Private Limited is a duly incorporated entity under the provisions of the Companies Act, 2013. The company’s registered office is located at World Trade Center, 501-503, Fire Brigade Lane, Barakhamba Road, New Delhi, Delhi – 110001. Bright Digi Gold specialises in the buying and selling of digital gold and silver, and in offering value-added services such as secure storage (vaulting), safekeeping, and delivery/fulfilment of gold and silver, all facilitated through its digital platform.

1.2 This document has been published in compliance with the Information Technology Act, 2000, along with all applicable rules and amendments, and is in accordance with the legal requirements relating to electronic records under said Act. Specifically, this document adheres to the requirements outlined in Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, which mandates the publication of rules, regulations, privacy policy, and user agreement for access or usage of services offered via an online platform.

2. DEFINITIONS AND INTERPRETATIONS

2.1 For the purpose of these Terms, unless the context otherwise requires, the following terms shall have the meanings ascribed to them below:

2.1.1 “Business Day” means any day on which scheduled commercial banks are open for regular banking operations in New Delhi, India, excluding Saturdays, Sundays, and any day on which recognized stock exchanges or financial institutions are either authorized or obligated to remain closed.

2.1.2 “Customer” refers to any individual or entity who accesses and uses the Bright Digi Gold platform to purchase digital gold or silver, request delivery, or sell back the precious metals to Bright Digi Gold Private Limited (BDGPL) or any other designated buyer as provided under these Terms.

2.1.3 “Customer Account” denotes the user account created by or on behalf of the Customer on the Bright Digi Gold platform, in accordance with these Terms and Conditions.

2.1.4 “Customer Request” includes any request made by the Customer for the delivery, sell, or exchange of their digital gold or silver holdings, in accordance with the processes defined in these Terms.

2.1.5 “Currency Value” means the real-time value of digital gold or silver as displayed on the Bright Digi Gold platform, determined and updated by BDGPL based on market dynamics.

2.1.6 “Force Majeure Event” refers to any unforeseen event or circumstance beyond the reasonable control of BDGPL. This includes, but is not limited to: natural disasters, fire, flood, explosion, pandemics, government-imposed lockdowns or restrictions, civil unrest, war, terrorism, industrial actions, sabotage, power failures, cyber-attacks, data breaches, hacking, equipment or software malfunction, or any act of God that prevents BDGPL from fulfilling its obligations under these Terms.

2.1.7 “Payment Instrument” shall refer to any mode or mechanism used to transfer funds electronically or in writing, including but not limited to cheques, drafts, UPI transactions, money orders, or any digital payment tool, whether negotiable or non-negotiable.

2.1.8 “Person” means and includes an individual, corporation, company, partnership, joint venture, trust, society, government authority, or any other legal entity or organization.

2.1.9 “Platform” refers to the digital ecosystem owned and operated by BDGPL, including the official website www.brightdigigold.com and mobile application, through which Customers access services for purchasing, selling, or managing digital gold and silver, along with any associated content, features, and technologies.

2.1.10 “Bright Digi Gold Partner” means any third-party entity or service provider engaged by BDGPL to facilitate payment processing, logistics, storage, delivery, or any other services necessary for offering Precious Metal products and platform-related offerings.

2.1.11 “Reward Program” means such reward programs that may be made available to the Customers from time to time at the sole discretion of BDGPL.

2.1.12 “Transfer” refers to a facility to transfer Precious Metal from a Customer Account to another Customer Account.

2.1.13 “Promotion” refers to any activity that BDGPL Bright DiGi Gold undertakes to provide users that meet certain requirements to avail certain rewards.

2.1.14 “Precious Metal” means physical gold, silver and/or other precious metals in bullion form (as the case may be), with purity as displayed on the Platform “Bright DiGi Gold”.

2.1.15 "For Corporate User" this section applies specifically to corporate users, outlining the terms and conditions related to their use of the platform. It includes provisions tailored to corporate accounts, including specific requirements, features, and benefits available only to corporate users.

In addition to the terms defined in Section 2.1, additional terms used herein shall have the respective meanings assigned thereto in the relevant sections contained hereinafter.

3. TERMS AND CONDITIONS OF SERVICES BEING PROVIDED BY BDGPL

3.1 Bright Digital Gold Private Limited, a company incorporated under the Companies Act, 2013 with its registered office at World Trade Center, 501-503, Fire Brigade Lane, Barakhamba Road, New Delhi, Delhi 110001, ("BDGPL") will be selling Precious Metal and providing services in relation to:

(A) Purchase and Sell of Precious Metal

(B) Safe keeping, Vaulting, Delivery and Fulfilment of Precious Metal

(C) Other such related services as may be notified by Bright DiGi Gold from time to time, to the Customers, on or through the Platform (“Services”).

3.2 The Precious Metal is being offered for purchase and/or sell by BDGPL under its brand name “Bright DiGi Gold”. The Services are being provided by BDGPL, however BDGPL may utilise any third party external payment gateway service (“Payment Gateway Partner”) for facilitating the collection of payments for the Services on its Platform. The Payment Gateway Partner assumes no liability for the Services except for providing payment services and reasonable customer support in addressing the queries related to payments made. Any and all of the transactions relating to the Services are being rendered by BDGPL in association with the Intermediaries (namely Vault Keeper) with whom separate agreements have been entered into by BDGPL.

3.3 The Customers are advised to read and understand these Terms carefully before using the Services.

3.4 BDGPL does not guarantee any returns, on any transactions consummated vis-à-vis the Platform, to any person, either directly or indirectly. The Customer (hereinafter referred to as “You”, with the term “Your” being construed accordingly) shall be solely responsible for undertaking appropriate and effective due diligence and related analysis before undertaking any transactions pursuant to these Terms of Use. You further acknowledge and agree that BDGPL and its officers, directors, employees, agents and affiliates will have no liability for Your purchase or other decisions using the Platform.

3.5 The Services by BDGPL shall be provided for a term commencing from the date of creation of the Customer Account.

3.6 You understand and acknowledge that the Services are being provided and made available on an “AS IS” and “AS AVAILABLE” basis. The Platform may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from your device and/or any device used by You to connect to the Platform as well as from peripherals (including, without limitation, servers and computers) connected to any of the above-mentioned devices. You assume all risks and costs associated with your use of the Services and the Platform, including without limitation, any costs incurred for the use of your device and any damage to any equipment, software or data.

3.7 You confirm that You are not registered under the Goods and Services Tax Act, 2017 and that the responsibility for any compliance or obligations associated with your status under the Goods and Service Tax Act, 2017 lie solely with You.

3.8 BDGPL, at any time and at its sole discretion, may change the specifications of any functionality/feature utilised by individuals on the Platform. BDGPL will not be liable for any inconvenience caused due to such changes in or discontinuation of any functionality/feature.

3.9 BDGPL reserves the right to start offering, pause, terminate and/or discontinue any Reward Program which may be offered via the Platform. Every Customer will be bound by the terms and conditions for each Reward Program and such programs will be subject to these Terms.

3.10 Only natural persons above the age of 18, being an Indian resident and of sound mind (unless the specific Reward Program rules or other promotional materials or announcements specify a different geographic region), are eligible to participate in any Reward Program and claim rewards under it. Each natural person will be eligible to claim a reward via any functionality/feature being offered by BDGPL only once. Unless otherwise stated, an individual may not win more than one reward per promotion and we reserve the right to withhold or reclaim any subsequent reward. Any person, found claiming rewards per promotion more than once on the Platform in breach of the terms of the Reward Program and these Terms, either in his/ her sole capacity or in consortium with others, for such instances, BDGPL will immediately suspend any activity on the Customer Accounts (where created by the individuals) and take legal action against such erring individuals, as may be available to BDGPL under law. Any individual using multiple accounts to claim multiple promotions and rewards will lose their right to participate in the said Reward Program or any future Reward Program that BDGPL may offer to its Customers or potential patrons.

3.11 BDGPL will not be held liable, monetarily or otherwise, where it decides to suspend, withdraw or discontinue any Reward Program.

3.12 An individual who is prohibited by law to hold or purchase any asset, including any Precious Metal will not be entitled to participate in any Reward Program or receive any reward under it.

3.13 BDGPL has the right to ask Customers and individuals for additional KYC information, such as a Aadhar Card and PAN Card before processing any reward under a Reward Program.

3.14 The Customers and/or individuals participating in any Reward Program agrees to indemnify, defend and hold BDGPL and its representatives and agents harmless from and against any and all third-party claims, demands, liabilities, costs or expenses, including attorney’s fees and costs, arising from, or related to any breach by the Customer and/or any individual of any of the Reward Program terms and conditions, these Terms or any violation by them of any applicable law.

3.15 Except for any fraud by BDGPL proven in a court of law, by participating in any Reward Program, Customers and/ or individuals release BDGPL, its parent company, subsidiaries, affiliates, suppliers, advertising and promotions agencies and their respective directors, officers, employees, and agents (collectively, “Released Parties”) from any and all liability for any loss, harm, damages, cost or expense, including, without limitation, property damages, personal injury and/or death, arising out of or in any way connected to the Reward Programs or the use of any rewards claimed.

3.16 In the event of any dispute, between BDGPL and any individual who has participated in any Reward Program, relating to any Reward Program terms and conditions, the decisions made by BDGPL shall be final binding on the participant.

4. ELIGIBILITY CRITERIA AND ACCOUNT USAGE

4.1 Use of the Platform and the Services is available only to Indian Residents who can enter into legally binding contracts under the Indian Contract Act, 1872 and to persons resident in India.

4.2 Persons who are incompetent to contract within the meaning of the Indian Contract Act, 1872 including minors, undischarged insolvent and persons of unsound mind are not eligible to use the Platform or the Services.

4.3 Only Indian citizens who are at least 18 years old may register for an account and start buying and selling with Bright DiGi Gold.

4.4 The client consents to deliver the KYC information that the business may ask for at the time of registration or at a later time. According to the financial rules of the Union of India, the PAN Card information must be provided for transaction(s) valuing above ₹2000.

4.5 When a customer is selling digital gold or silver, it is mandatory to provide and complete KYC details.

4.6 You agree to provide us with only accurate, true, current and complete information in your KYC and registration documents.

4.7 Bright DiGi Gold will not be held liable monetarily or otherwise, where it decides to suspend, withdraw or discontinue any reward program on the platform.

4.8 An individual who is prohibited by law to hold or purchase any asset, including any Gold/Silver will not be entitled to participate in any Reward Program or receive any reward under it.

4.9 Except for any fraud by Bright DiGi Gold proven in a court of law, by participating in any Reward Program, Customers and/or individuals release Bright DiGi Gold, its parent company, subsidiaries, affiliates, suppliers, advertising and promotions agencies and their respective directors, officers, employees, and agents (collectively, “Released Parties”) from any and all liability for any loss, harm, damages, cost or expense, including, without limitation, property damages, personal injury or death, arising out of or in any way connected to the Reward Programs or the use of any rewards claimed.

4.10 In the event of any dispute, between Bright DiGi Gold and any individual who has participated in any Reward Program, relating to any Reward Program terms and conditions, the decisions made by Bright DiGi Gold shall be final binding on the participant.

4.11 In Case of fraudulent transactions, Customer whose account has been debited needs to File a Complaint (F.I.R) with the cyber cell and share the copy of the same with us at support@brightdigigold.com within 48 hours of the transaction.

4.12 We at Bright DiGi Gold will assist the customer to make an account on our App and transfer the Gold purchased in that account post which the customer can sell from there or can think to keep and start his investments.

5. VAULT KEEPER, INTERMEDIARIES, AND SAFEKEEPING ARRANGEMENT

5.1 APPOINTMENT OF INTERMEDIARIES

5.1.1 BDGPL or the Vault Keeper (as the case may be) may from time to time appoint intermediaries who shall assist BDGPL in providing the Services to You (“Intermediaries''). The term, “Intermediaries' ' shall mean the Vault Keeper, and shall include any and all Persons appointed by BDGPL or the Vault Keeper (as the case may be) upon placement of an Order. You hereby consent to the appointment of such Intermediaries, for and on Your behalf, by BDGPL or the Vault Keeper (as the case may be). Any default by such intermediaries shall not be the liability of the BDGPL.

5.1.2 You acknowledge and understand that these Intermediaries have been appointed to ensure that Your Orders/Customer Requests are duly complied with in accordance with these Terms. You additionally acknowledge that certain payments will have to be made to these Intermediaries for their appointment and services in relation thereto, which shall be borne by BDGPL on Your behalf unless otherwise indicated in these Terms.

5.2 APPOINTMENT OF VAULTING AGENT CUM VAULT KEEPER

5.2.1 You hereby acknowledge and agree that in order to ensure that Your Orders/Customer Requests are fulfilled in all circumstances, a first and exclusive charge on the Gold/Silver by way of allocating the same amount of Gold & Silver with the Vaulting Agent.

5.2.2 By way of these Terms, You authorise the Vaulting Agent to act on Your behalf to ensure that Your interests are adequately protected.

6. SAFEKEEPING OF PRECIOUS METAL

6.1 Gold/Silver purchased by you corresponding to the Customer Order shall be stored with a (Custodian) in a vault on your behalf of Vault Keeper “BRINKS”.

6.2 The Gold/Silver stored shall be in the form of 24 Karat Gold and 99.99 fine Silver Coins/Bar. The total amount of Gold/Silver stored shall be based on calculation of 24 Karat Gold bars corresponding to the Customer Order, and the Bars stored are 99.9% pure.

6.3 Although the Vault Keeper has taken the necessary insurance policy(ies), the Customer Gold/Silver may be at risk in the case of an event not covered by such insurance policy(ies). The insurance policy(ies) that the Vault Keeper secured are in accordance with international industry standards and cover losses due to fire, lightning, theft, cyclone, earthquake, flood, etc. However, they do not cover losses due to other occurrences like conflict, revolution, abandoned weapons of war, nuclear radiation, etc.

7. STORAGE OF PRECIOUS METAL

7.1 You will be provided with free storage for your Customer Precious Metal from the date of placing of the Customer Order, or for such period as more particularly stipulated by BDGPL in this regard from time to time at its sole discretion and notified to Customers on the Platform (“Free Storage Period”).

8. PURCHASE OF PRECIOUS METAL

8.1 You can buy Gold/Silver worth Rs.10/- (Rupee Ten Only) and above incremental value thereof at the Currency Value of Gold/Silver shown on the Platform. It is clarified however, that Bright DiGi Gold may define a higher threshold for minimum purchase quantity at their discretion.

8.2 It is hereby clarified that display of such Currency Value of Gold/Silver shall constitute fully binding offers and would be an invitation to offer to purchase Gold/Silver at the said Currency Value to all Customers. Notwithstanding the foregoing, you understand that the Currency Value may vary multiple times within a day, and accordingly your payment obligations for any Customer Order will depend on the Currency Value then prevailing.

8.3 While reasonable efforts will be made to offer you a competitive price for the Gold/Silver, there is no guarantee that the Currency Value offered to you will be close to or comparable with other prices available in the market.

8.4 Payment pursuant to the Customer Order, will be accepted through the payment options made available on the Platform, which may include redirection to a payment gateway hosted by other third party Payment Gateway Partner, including by BDGPL. At the time of purchase / fulfilment / sell-back / transfer of Gold/Silver, the relevant taxes will be chargeable as applicable, as per the government regulations. It is hereby clarified that once a Customer Order is placed, you are not entitled to cancel a Customer Order, provided however that a Customer Order shall stand cancelled if the payment fails for any reason whatsoever.

8.5 BDGPL reserves the right to cancel a Customer Order, at its sole discretion, if the information, provided by you prior to placing the Customer Order, is not found acceptable and Bright DiGi Gold is of the opinion that you are not eligible to purchase the relevant Precious Metal. BDGPL shall have the right to freeze the Customer Account until it receives KYC and other documentation in a form and manner satisfactory to it.

8.6 Once the payments are received by BDGPL and the KYC information, if requested, is found acceptable, BDGPL shall issue an Invoice and Delivery Challan to you confirming the Customer Order placed within a period of 3 (Three) Business Days of placing such Customer Order, in a manner it may deem fit.

8.7 Upon placing a valid Customer Order in accordance with these Terms and the same having been confirmed in accordance with these Terms, the relevant Gold/Silver will have been purchased by you and shall be displayed as transferred to your Customer Account (“Customer Gold/Silver”). You become the owner of such Customer Gold/Silver.

8.8 Notwithstanding anything to the contrary contained in these Terms, BDGPL shall be entitled to accept or reject a Customer Order, for any reason whatsoever, at its sole discretion.

8.9 In case of rejection of a Customer Order in accordance with these Terms, where payments have been received by BDGPL, such payments shall be returned to you to the bank account linked to your Customer Account, subject to the terms and conditions indicated on the Platform.

9. DELIVERY OF PRECIOUS METAL

9.1 This Platform offers Services for Customers who wish to procure delivery of the Customer Precious Metal in accordance with these Terms.

9.2 You shall be entitled to procure delivery of the Customer Precious Metal using the Platform (“Delivery Request”).

9.3 The platform offers multiple options to buy the coins, according to the preference customers can choose any option such as Direct Purchase, Convert From Vault & Add to Cart for bulk purchase. Upon placing the Delivery Request, you shall be required to pay for the applicable charges and confirm the Delivery Request. Your Customer Account shall be provisionally debited corresponding to the quantity of the Customer Precious Metal sought to be delivered (“Delivered Customer Precious Metal”).

9.4 Within a period of 10 to 12 Business Days of the Delivery Request being confirmed or such further period as may be required by BDGPL, BDGPL shall arrange for delivery of the Delivered Customer Precious Metal at the shipping address indicated by you. You shall be solely responsible for ensuring that the correct address is furnished by you on the Platform for processing such Delivery Requests. You shall not be entitled to change the shipping address after the Delivery Request is processed by BDGPL.

9.5 You should carefully examine the package delivered and shall not accept deliveries where the packaging has been tampered with. If, however, you are of the view that the package delivered has been tampered with, you shall be required to intimate BDGPL of the same within 30 minutes of delivery, and provide such other information to our customer support team as may be required by BDGPL in this regard (“Return Request ''). BDGPL reserves the right to investigate the Return Request and take appropriate action based on the findings. Failure to report within the stipulated time may result in rejection of the replacement request.

9.6 In the event that the Return Request is accepted by BDGPL, then within a period of 15 to 20 Business Days of the original package of Delivered Customer Precious Metal being delivered back to BDGPL, in a manner indicated by BDGPL, and the Return Request being approved by BDGPL, BDGPL shall arrange for redelivery of the Delivered Customer Precious Metal at the shipping address indicated by you. The costs for such shipping shall be borne by BDGPL. However, in the event of frivolous and unjustified Return Requests made by you, BDGPL reserves the right to take all action available to it, including black-listing or blocking you from using the Services on the Platform.

9.7 You, upon accepting the delivery, acknowledge the receipt of the Delivered Customer Precious Metal in terms of the Delivery Request placed with BDGPL. BDGPL shall not be liable to you for any refund/replacement, under any circumstance, for any subsequent complaints with respect to such deliveries and/or any failure on your part to comply with these Terms (as the case may be).

9.8 Upon receipt of the Delivery Request by BDGPL, the Customer Account shall be permanently debited for the Delivered Customer Precious Metal from the Customer Account.

9.9 It shall be your responsibility to ensure that you are available to receive the Delivered Customer Precious Metal at the time of delivery. If you are not available at the time of delivery, BDGPL courier agent may try and deliver the item again before returning the same to BDGPL.

10. SELL OF PRECIOUS METAL

10.1 You are provided an option to sell the Customer Gold/Silver 24 hour available, based on the Sell Price on the Platform. If the prices are found acceptable to you, you shall confirm the sell request, in a form and manner acceptable to BDGPL (“Sell Request”). Your Customer Account shall be debited corresponding to the quantity of the Customer Precious Metal sought to be sell via the Sell Request (“Sell Customer Precious Metal”).

10.2 Within a period of 24 hours or 1 (One) Business Day of the Sell Request being confirmed or such further period as may be required, the payment, pursuant to the Sell Request, shall be disbursed by BDGPL at the sell prices indicated at the time of placing such Sell Request. BDGPL shall arrange for such payments to be made to your bank account, details of which are provided by you. If there is any mistake in the account number, IFSC code etc. provided by you, BDGPL would not be held responsible for the same.

11. TRANSFER OF PRECIOUS METAL

11.1 GIFTING GOLD/SILVER:

11.1.1 Bright DiGi Gold offers Customers the ability to gift Digital Gold/Silver purchased by the Customer, to a recipient of their choice. This will be offered as the “Gift Gold” feature.

11.1.2 BDGPL shall not be responsible for the acceptance or rejection of the “gift” by the intended recipient, or for verifying the correctness of the mobile number or other identification information provided for the intended recipient by the Customer.

11.1.3 Precious Metal gifts shall be final, and BDGPL shall not be responsible for amending, altering or otherwise reversing the transaction in case the gift is delivered to an unintended recipient due to any error on the part of the Customer.

11.1.4 However, in case the intended recipient does not accept the “gift” within the prescribed time, the Digital Gold/Silver balance shall revert to the Customer Account.

12. USE OF THE PLATFORM AND SERVICES

12.1 You acknowledge that the Services are for Your personal use and agree not to publish the Precious Metal prices or descriptions of Precious Metal and/or any other information displayed on the Platform (in lieu of Your access to the Platform) on any other medium. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, licence, create derivative works from, transfer, or sell any information, software, products or services obtained from the Services.

Subject to these Terms and the Privacy Policy.

12.2 You hereby grant to BDGPL a non-exclusive, worldwide, royalty-free right to

(a) Collect, store and transmit Your data, in each case solely to the extent necessary to provide the Services to You.

(b) Share Your data or interact with other people, to distribute and publicly perform and display Your data as You direct or enable through the Services.

12.3 You will provide Your consent to BDGPL as may be required under applicable law for the use and/or sharing of any data generated by You when purchasing Precious Metal or otherwise using the Platform for any services related to the purchasing of the Precious Metal in such manner as BDGPL may stipulate in this regard.

12.4 You represent and warrant that:

(i) You have obtained all necessary rights, releases and permissions to provide all Your data to BDGPL and to grant the rights granted to BDGPL in these Terms and

(ii) Your data and its transfer to and use by BDGPL as authorised by You under these Terms do not violate any laws or rights of any third party, including without limitation any intellectual property rights, rights of privacy, or rights of publicity, and any use, collection and disclosure authorised herein is not inconsistent with the terms of any applicable privacy policies. Other than its security obligations under these Terms and the Privacy Policy, BDGPL assumes no responsibility or liability for Your data, and You shall be solely responsible for Your data and the consequences of using, disclosing, storing, or transmitting it.

12.5 BDGPL shall not be held liable for any loss of data, technical or otherwise, information, or for particulars supplied by You, due to reasons beyond its control like corruption of data or delay or failure to perform as a result of a Force Majeure Event.

BDGPL shall have the sole discretion to determine the locations and pin codes it may want to serve.

12.6 The provision of Services may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. BDGPL strives to keep the Services up and running; however, all online services suffer occasional disruptions and outages. BDGPL is not liable for any disruption or loss you may suffer as a result.

12.7 BDGPL may discontinue some or all of the Services, including certain features and the support for certain devices and platforms, at any time.

Referral & Promotional Rewards

12.8 Bright Digi Gold may offer referral or promotional rewards from time to time.

• Rewards are fixed promotional incentives only.
• Rewards are not returns or income on investment.
• Rewards are not linked to deposits or financial contributions.

The Company strictly does not support:

• Percentage-based referral earnings.
• Multi-level referral income models.
• Recurring commission structures.

All rewards are purely customer acquisition incentives.

12.9 By registering on the Platform, submitting any form on the Platform, or otherwise providing Your mobile number or email address to BDGPL, You expressly consent to receive transactional, service-related and promotional communications from BDGPL, including updates, offers, reminders and account notifications, through WhatsApp, RCS (Rich Communication Services), SMS, email, voice calls and in-app notifications, even if Your number is registered under the National Do Not Call (DND) / NCPR registry.

12.10 You may withdraw this consent at any time by writing to support@brightdigigold.com. Opting out of promotional communications will not affect transactional or service-related communications necessary for the operation of Your Customer Account. Standard message and data rates may apply.

13. GOVERNING LAW AND DISPUTE RESOLUTION

13.1 These Terms shall be governed by and interpreted and construed in accordance with the laws of India, and any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

14. FEES/PAYMENT

14.1 You hereby agree that You shall be liable for all fees and charges associated with the use of the Platform and Services. Further, details of the fees payable (including, but not limited to the terms pertaining to such fees and the quantum thereof), have been set out on the Platform. Please note that the fees and charges may be revised from time to time and it would be your responsibility to view the Platform to check the then current fees and charges payable.

14.2 It is hereby clarified that fees and charges, once paid, are non-refundable.

All payments made for the use of the Platform and/or purchase of Customer Precious Metal by You shall be compulsorily in Indian Rupees.

14.3 While availing any of the payment method/s available on the Platform for availing the Services, BDGPL shall not be responsible for or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:

14.3.1 Lack of authorization for any transaction(s), or

14.3.2 Exceeding the preset limit mutually agreed by You and between bank/s and/or other institutions used by You in making payment, or

14.3.3 Any payment issues arising out of the transaction, or

14.3.4 Rejection of transaction for any other reason(s) whatsoever.

14.3.5 Bright DiGi Gold may temporarily/permanently suspend/terminate the Customer Account or refuse access in case of non-payment of fees due by You. Without limitation to the other rights and remedies available to BDGPL, it also reserves the right to take legal action for the same.

15. FORCE MAJEURE

15.1 If performance under these Terms is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, Trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Platform, utility or communication failures, earthquakes, pandemics, epidemics, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or failure of any device used to access the Platform, or any other act whatsoever, whether similar or dissimilar to those referred to in this section, which are beyond the reasonable control of BDGPL and could not have been prevented by reasonable precautions the BDGPL shall be discharged from such performance to the extent of and during the period of such force majeure event. Such non-performance by BDGPL shall, in no manner whatsoever, amount to a breach of its obligations.

16. LINKS TO/FROM THIRD-PARTIES WEBSITES/APPLICATION

16.1 The Platform might have links to and interactive features that interact with other people's websites. Bright DiGi Gold disclaims all liability and responsibility for any such websites' operations, choices, privacy settings, privacy policies, terms, or content. Bright DiGi Gold strongly advises that you review and comprehend the terms and conditions, privacy policies, settings, and information-sharing features of any such third-party website before enabling any sharing functions to communicate with any such website or otherwise visiting any such website

At any time, we have the right to modify, add, or delete sections of this agreement. Registered customers will be informed of changes via the appropriate means of communication. Customers are advised to regularly assess them.

16.2 Throughout the course of membership and usage, it is assumed that the client has read and accepted the most recent terms and conditions.

17. USE OF THE PLATFORM

17.1 By accessing or using the Bright Digi Gold platform, you agree to use it only for lawful purposes and in compliance with applicable laws. The platform is intended for personal use, and any unauthorized commercial use is prohibited.

17.2 You shall not copy, reproduce, distribute, or misuse any content, data, or information available on the platform without prior written consent from BDGPL.

17.3 You agree not to engage in any activity that may disrupt, damage, or compromise the platform, including unauthorized access, hacking, or transmission of harmful code.

17.4 You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account.

17.5 BDGPL reserves the right to monitor usage and suspend or terminate access in case of any violation of these Terms or applicable laws.

17.6 The platform may experience interruptions or technical issues, and BDGPL shall not be liable for any resulting loss or inconvenience.

18. TERMINATION OF SERVICES BY BDGPL

18.1 BDGPL reserves the right, at its sole discretion, to suspend, restrict, or terminate your access to the platform or any of its services at any time, without prior notice, in the event of a breach of these Terms, violation of applicable laws, or suspected fraudulent or unauthorized activity.

18.2 BDGPL may also discontinue or modify any part of the platform or services at any time without liability to you.

18.3 Upon termination, your right to access and use the platform shall immediately cease, and BDGPL shall not be liable for any loss or damages arising from such termination.

19. LIMITATION OF LIABILITY

19.1 You hereby acknowledge that BDGPL (including but not limited to its directors, employees, agents or partners) shall not be held liable to You for any special, consequential, incidental, and exemplary or punitive damages, or loss of profit or revenues.

19.2 BDGPL shall also not be liable under any circumstances for damages arising out or related in any way to Your inability to access, or Your difficulty in accessing the Platform to avail of any Services, any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the Platform by any third party, any loss of Your data, any claim relating to Your data or content from the Services and/or Your failure to keep the Gold Account Information secure and confidential.

19.3 You further agree that BDGPL shall not be held responsible in any manner whatsoever for any and all acts or omissions of any Intermediaries or any other third party whosoever including (but not limited to) any person whose device has been used by You to access the Platform and/or any person appointed/nominated for the purposes of accepting/collecting any payments from You for the purchase of Precious Metal.

20. AMENDMENTS, ACCEPTANCE OF TERMS

20.1 By accessing or using the Bright Digi Gold platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

20.2 BDGPL reserves the right to modify, update, or revise these Terms at any time. Such changes shall be effective upon being posted on the platform or communicated through appropriate channels.

20.3 Your continued use of the platform after any such updates shall constitute your acceptance of the revised Terms. You are advised to review these Terms periodically.

20.4 If you do not agree with these Terms or any updates thereto, you must discontinue use of the platform immediately.

21. FEEDBACK

21.1 The platform may allow you to submit feedback, reviews, suggestions, or other inputs (“Feedback”) to improve services and user experience. By submitting such Feedback, you represent that it is accurate, lawful, and does not violate any third-party rights.

21.2 You agree that BDGPL shall have a perpetual, irrevocable, worldwide, royalty-free right to use, reproduce, modify, publish, and display such Feedback for business and promotional purposes, without any compensation to you.

21.3 BDGPL shall not be obligated to act upon any Feedback and shall not be responsible or liable for any content submitted by users.

21.4 BDGPL reserves the right to remove or restrict access to any Feedback that is unlawful, offensive, misleading, or in violation of these Terms.

You further represent and warrant that while posting any Reviews on the Platform You shall not use any offensive, libelous, derogatory, hateful or racially or ethnically objectionable language. Further, You shall not post any content on any part of the Platform that is obscene, pornographic, constitutes an “indecent representation of women” as provided in the Indecent Representation of Women (Prohibition) Act, 1986.

22. CONFIDENTIALITY

22.1 As elaborated under the Privacy Policy, BDGPL will keep all confidential information confidential, including Your personal information, and shall not disclose it to anyone except as required by law, and shall ensure that such confidential information is protected with security measures and a degree of care that it would apply to its own confidential information. BDGPL acknowledges that its employees, directors, agents, and contractors shall use the confidential information only for the intended purpose for which it is provided. BDGPL shall use all reasonable endeavours to ensure that its employees, directors, agents, and contractors acknowledge and comply with the provisions of these Terms of confidentiality as if such person was subject to these Terms of confidentiality.

23. DISCLAIMER OF WARRANTIES

23.1 The platform and all services, content, and information provided therein are offered on an “as is” and “as available” basis, without any representations or warranties of any kind, whether express or implied.

23.2 BDGPL does not warrant that the platform will be uninterrupted, error-free, secure, or free from viruses or other harmful components, nor does it guarantee the accuracy, completeness, or reliability of any information available on the platform.

23.3 You expressly agree that your use of the platform is at your sole risk, and BDGPL shall not be liable for any loss or damage arising from your reliance on the platform or inability to access or use the services.

24. SUSPENSION/CLOSER OF ACCOUNT

24.1 Bright DiGi Gold may, at its discretion, suspend the Customer Account, if there appears to be fraudulent or suspicious activity in the Customer Account. If BDGPL is of the opinion that You are involved in any unlawful activity or the Customer Account is used for any unlawful purpose, BDGPL shall have the right to take all actions available to it, including black-listing or blocking You from using the Services on its Platform or blocking your access to the Services through the Platform or intimating the relevant authorities of such unlawful activities.

24.2 BDGPL shall not be held liable / responsible, in any manner whatsoever, for any loss / liability arising out of or relating to any technical failure / issue in Platform and / or acts / omission not attributable to it.

24.3 You shall inform immediately, in any case no later than 12 (Twelve) Business Days of the transaction, of any irregularities or discrepancies that may exist in your Customer Account, failing which it shall be deemed that there is no error or discrepancy in the account. All records maintained by BDGPL, in electronic or documentary form of the instructions of the Customer and such other details (including, but not limited to payments made or received) pursuant to the Terms, shall as against the Customer, be deemed to be conclusive evidence of such instructions.

25. DELETION OF ACCOUNT

25.1 If the customer wishes to delete their Bright DiGi Gold account you may request to raise a query in the contact us section https://www.brightdigigold.com/contact-us with the reason why you want to delete the account. After further verification within 10 to 12 business days your Gold/Silver vault balance amount will be credited to your Bank Account. We will delete your account from our end.

26. FRAUDULENT TRANSACTION

26.1 Users are adviced to keep their login details, OTPs, and payment information secure. BDGPL will not be responsible for losses due to sharing of such details.

26.2 If any suspicious activity is detected, BDGPL may temporarily block your account and ask for verification.

26.3 Fraudulent transactions may be cancelled or reversed where possible.

26.4 Please report any unauthorized transaction immediately to customer support number +011-69266552 and email support@brightdigigold.com along with proof of the fraud from the appropriate public authority or Cyber Cell.

26.5 Provide information on such Fraudulent User, along with any other transaction details, to the relevant authorities.

26.6 BDGPL will assist in genuine cases but cannot guarantee recovery of losses in all situations.

26.7 Reverse any such fraudulent transaction, to the extent possible, including the sale of any Precious Metal purchased by such Fraudulent User, at the prevailing rate.

27. USE OF PLATFORM FOR CORPORATE USERS

Welcome to Bright Digital Gold Private Limited, with its registered office at World Trade Center, 501-503, Fire Brigade Lane, Barakhamba Road, New Delhi, Delhi 110001, an online platform for saving and investing in digital gold and silver. These terms and conditions outline the rules and guidelines for corporate users onboarding onto our platform. By signing up as a corporate user, you agree to abide by these terms and conditions.

27.1 Corporate User Verification:

• Corporate users are required to provide a valid GST Number at the time of registration for identity verification.
• The GST Number provided will be verified by Bright DiGi Gold for authenticity before account activation.
• Only verified corporate accounts will be eligible for corporate-specific benefits, including special pricing.

27.2 Minimum Purchase Limit:

• Corporate users must adhere to the following minimum purchase requirements:
  • Gold: The minimum purchase limit is 10 grams per transaction.
  • Silver: The minimum purchase limit is 500 grams per transaction.
• Purchases below these specified limits will not be processed for corporate users.

27.3 Special Corporate Pricing:

• Corporate users are entitled to special pricing on the platform.
• The buy price for corporate users will be lower than the price offered to normal users. This pricing benefit is exclusive to verified corporate accounts.
• Bright DiGi Gold reserves the right to modify the price difference between corporate and regular users at any time, based on market conditions or company policies.

27.4 Purchase and Sale of Digital Gold and Silver:

• Corporate users can purchase digital gold and silver in compliance with the minimum transaction limits.
• Purchases can be made at the current market price, subject to the corporate-specific discounts.
• Corporate users can also sell their holdings at live market rates. However, the sale will not include the special corporate price, and will follow regular market sale rates applicable at the time of the transaction.

27.5 Use of Platform:

• The Bright DiGi Gold platform provides various services such as buying, selling, gifting, and delivery of digital gold and silver coins.
• Corporate users may utilize all the features on the platform while complying with the corporate-specific terms mentioned herein.
• Bright DiGi Gold reserves the right to modify or update features on the platform without prior notice.

27.6 Compliance with Laws:

• All corporate users must comply with applicable Indian laws, including but not limited to GST and taxation regulations, when transacting on the Bright DiGi Gold platform.
• Corporate users are responsible for ensuring that their transactions on the platform align with legal and regulatory requirements, including proper GST filing and reporting.

27.7 Amendments and Modifications:

• Bright DiGi Gold reserves the right to modify these terms and conditions at any time. Any updates or changes will be communicated via email or platform notifications.
• Continued use of the platform after such modifications will constitute acknowledgment and acceptance of the revised terms.

27.8 Limitation of Liability:

• Bright DiGi Gold shall not be held liable for any losses or damages arising from price fluctuations, technical errors, or corporate account verification issues.
• Bright DiGi Gold is not responsible for any legal liabilities that may arise from a corporate user’s failure to comply with applicable laws, including GST regulations.

27.9 Termination of Corporate Account:

• Bright DiGi Gold reserves the right to terminate or suspend a corporate account if any fraudulent activity or breach of these terms is detected.
• Corporate users can voluntarily close their accounts by submitting a formal request to customer support at: support@brightdigigold.com

27.10 Governing Law and Jurisdiction:

• These terms and conditions are governed by the laws of India.
• Any disputes arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts in New Delhi.

By proceeding with your corporate registration on Bright DiGi Gold, you agree to abide by the above terms and conditions. If you do not agree with any part of these terms, please refrain from using the platform.

28. Transparency & Compliance

Bright Digi Gold is committed to transparent communication around the nature of its services, risk disclosures, pricing visibility, and user responsibility. This section helps users understand what the platform does, what it does not do, and how digital gold and silver purchases should be interpreted.

28.1 Nature of Service

Bright Digi Gold enables users to buy, sell, and hold digital gold and silver through a transparent digital platform.

• Users purchase precious metals and do not make monetary deposits.
• Each transaction reflects ownership of equivalent gold or silver, subject to partner and platform terms.

28.2 Regulatory Clarification

Bright Digi Gold is not a bank, NBFC, or deposit-taking institution, and does not provide guaranteed returns.

• Digital gold and digital silver are not regulated by RBI or SEBI.
• The platform does not provide investment advice, portfolio management, or assured profit products.

28.3 Legal Positioning

Transactions on the platform are structured as direct purchases and sales of precious metals.

• The platform is intended to facilitate digital precious metal ownership, not operate any deposit scheme.
• Users acknowledge the commercial nature of each buy, sell, redemption, and delivery transaction.

28.4 Storage & Fulfilment

Holdings are managed through trusted partners and users may request delivery of eligible physical products.

• Applicable pricing, taxes, making charges, delivery fees, and fulfilment timelines are disclosed at checkout where relevant.
• Physical delivery and redemption remain subject to product availability, logistics coverage, and partner terms.

28.5 Risk Disclosure

Gold and silver prices are market-linked and may rise or fall based on prevailing conditions.

• Past performance, historical appreciation, or marketing communication should not be treated as a guarantee of future returns.
• Users should make independent decisions after considering suitability, affordability, and risk appetite.

28.6 User Acknowledgement

By continuing to use the platform, users confirm that they understand the nature of the product.

• They are purchasing digital gold or silver voluntarily.
• They understand that the transaction is not a bank deposit, savings account, collective investment, or regulated securities product.

29. GRIEVANCE REDRESSAL MECHANISM

29.1 Bright Digi Gold is committed to being truthful and transparent with its users. You trust and love us, and we would never prioritise growth over trust. We aim to minimise instances of customer complaints, grievances, and disappointments via a channelized approach, review, and redressal. However, we recognize that there are times when our product or service has not been up to the mark. If you’re disappointed, then at some point, we've not done a great enough job.

29.2 According to the Information Technology Act of 2000 and its implementing Rules, you can contact to the Grievance Officer for the purposes of Bright Digital Gold Private Limited are as follow:

• Contact At: 011-69266552
• Email ID: support@brightdigigold.com
• Reach Us At Address: World Trade Center, 501-503, Fire Brigade Lane, Barakhamba Road, New Delhi, Delhi 110001.

29.3 We assure you that we will look into the matter and resolve your complaint or query within business working hours.

Important Disclosure

Digital gold and digital silver offered through the platform are not regulated by the Reserve Bank of India (RBI) or the Securities and Exchange Board of India (SEBI). Users purchase precious metals and do not make deposits. All prices are market-linked and may fluctuate.