Delete Your Account

This page explains how users of the Bhima Gold & Diamonds app (package: com.bhimadigital.app.main), developed by Bhima Gold & Diamonds, can request deletion of their account and associated personal data.

1. How to Request Account Deletion

You can request deletion of your Bhima Gold & Diamonds account at any time. You do not need to install the app to do this.

• In the app: open Account, scroll to the bottom and tap Delete account, then confirm with the one-time password (OTP) sent to your registered mobile number.
• Email: send an email to [email protected] with the subject line "Account Deletion Request". Include your registered name and mobile number, and send it from the email address registered with your account if you have one.
• Phone: call our customer support at 04652 224466 or 04652 224486 and ask for your app account to be deleted.
• In person: visit any Bhima Gold & Diamonds branch with a valid ID and submit a written account deletion request.

2. What Happens Next

• We will verify your identity using your registered mobile number (an OTP may be sent to it) or your registered email address.
• We will acknowledge your request within 7 working days and complete the deletion within 30 days of verification.
• Once deleted, you will no longer be able to log in to the app, and your account cannot be recovered. You may create a new account later if you wish.
• If you have an active savings scheme, chit, or pending payment, we will contact you to settle or close it before the account is deleted.

3. Data That Is Deleted

When your account is deleted, we remove the following data associated with it:

• Profile Information: name, mobile number, email address, date of birth, and address
• Login Credentials: your registered mobile number and authentication tokens used for OTP login
• Preferences: saved branch selections, jewellery preferences, language settings, and notification preferences
• Device Data: push notification tokens and device identifiers linked to your account
• Saved Payment Details: any saved UPI IDs, cards, or wallet references stored with your profile

4. Data That Is Retained

Certain records must be retained even after your account is deleted, as required by Indian law and financial regulations. This data is retained only for the required period, is not used for marketing, and is deleted or anonymised once the retention period ends.

• Transaction & Payment Records: retained for 7 years as required by Indian financial and tax regulations
• Savings Scheme & Chit Records: retained for 7 years after closure for legal and audit compliance
• KYC / Government ID Records: retained for the period required under applicable KYC / AML regulations
• Customer Support Records: retained for up to 3 years to resolve disputes

5. Deleting Data Without Deleting Your Account

If you only want to remove specific data (for example, your saved address or notification preferences) without closing your account, you can update it in the app or contact us at [email protected]. You can also withdraw marketing consent at any time from the app settings.

6. Contact Us

For any questions about account deletion or your personal data:

• Email: [email protected]
• Phone: 04652 224466 / 04652 224486
• Address: Bhima Gold & Diamonds, Nandanam Towers, Regional Office, Kunnumpuram, Vanchiyoor, Thiruvananthapuram, Kerala 695001
• Response Time: within 30 days

See also our Privacy Policy for full details on how we collect, use, and protect your data.