Privacy Policy

This Privacy Policy applies to information collected through:

• Our website and online platforms
• Online forex booking and enquiry forms
• Customer account and onboarding processes
• Currency exchange transactions
• Forex and travel card services
• International money transfer and remittance services
• Travel eSIM/SIM services
• Travel insurance services
• Customer support, telephone, email and WhatsApp interactions
• Branch and agent interactions
• Partner and corporate onboarding
• Promotional campaigns, surveys and marketing communications
• Any other service or interaction provided by GGS Forex

Certain products or services may also be governed by additional terms, disclosures or privacy policies of the relevant bank, insurer, card issuer, telecom/eSIM provider, payment processor or other authorized service provider.

Depending on the service you use, we may collect the following information.

2.1 Identity & KYC Information

Where required, we may collect:

• Full name
• Date of birth
• Gender, where required
• Residential and communication address
• Mobile number
• Email address
• PAN and other tax identification details
• Passport details
• Visa details
• Travel documents
• Photograph
• Signature
• KYC documents
• Proof of address
• Purpose of transaction
• Other information required for regulatory verification

The specific documents required may vary depending on the nature, value and purpose of the transaction.

When you use our financial or forex-related services, we may collect:

• Currency purchased or sold
• Currency amount
• Exchange rate
• Transaction value
• Transaction date and time
• Payment method
• Bank account details
• Payment confirmation information
• Transaction reference numbers
• Beneficiary information
• Remitter information
• Foreign exchange transaction history
• Refund and cancellation information
• Source and purpose of funds, where required
• Supporting financial documents where required

We may process this information to execute transactions, comply with applicable regulatory requirements, maintain records and prevent financial crime.

For international transfers, remittance, education payments, medical payments, family maintenance, business payments or other permitted outward remittance services, we may collect additional information such as:

• Beneficiary name
• Beneficiary address
• Beneficiary bank details
• Account number/IBAN
• SWIFT/BIC information
• Purpose of remittance
• Supporting documents
• Educational institution details
• Medical institution details
• Relationship with beneficiary
• Invoices, fee receipts or other supporting documents

This information may be shared with authorized banks, financial institutions, payment partners, regulators and other parties involved in processing the transaction where necessary.

If you apply for or use a forex/travel card through GGS Forex, information may include:

• Cardholder details
• KYC information
• Card application information
• Travel information
• Card delivery information
• Card transaction information
• Reload/top-up information
• Currency wallet information
• Card status and service requests

Card-related information may be processed by the relevant issuing bank, card network or authorized service provider in accordance with their applicable terms and privacy policies. GGS Forex does not control the independent privacy practices of third-party card issuers, networks or processors.

When you purchase or activate an international eSIM or SIM through GGS Forex, we may collect information necessary to process your order and provide support, including:

• Name
• Contact information
• Travel destination
• Travel dates, where required
• Device compatibility information
• eSIM/SIM order information
• Activation details
• Payment and transaction information
• Service usage or support information where made available to us by the relevant provider

The actual telecommunications service may be provided by an independent telecom/eSIM partner. Such providers may process information according to their own terms and privacy policies.

If you purchase or enquire about travel insurance through GGS Forex, we may collect information required to facilitate the insurance application or policy, including:

• Name
• Date of birth
• Contact details
• Passport/travel information
• Destination
• Travel dates
• Policy information
• Nominee or beneficiary information
• Information required by the insurer
• Payment and transaction information

Where required, information may be shared with the relevant insurer, insurance intermediary, administrator or authorized service provider for quotation, underwriting, policy issuance, servicing and claims-related purposes.

The insurer's own privacy policy and terms may also apply to information processed directly by the insurer.

When you visit our website, we may automatically collect certain technical information, including:

• IP address
• Browser type and version
• Device type
• Operating system
• Language preferences
• Approximate location derived from technical information where permitted
• Pages visited
• Referring website
• Date and time of visits
• Session information
• Website interactions
• Error and diagnostic information
• Cookies and similar technologies

This information helps us maintain website security, improve performance, understand usage and provide a better user experience.

GGS Forex may use cookies, pixels, tags, analytics tools and similar technologies.

These technologies may be used for:

• Essential website functionality
• Login/session management
• Security
• Website performance
• Analytics
• Personalization
• Understanding website usage
• Marketing and campaign measurement

You may manage or disable cookies through your browser settings. Certain website features may not function correctly if essential cookies are disabled.

Where required by applicable law, we will obtain appropriate consent for non-essential cookies or similar technologies.

We may use personal information for legitimate business, contractual, regulatory and operational purposes, including:

Service Delivery

• Processing currency exchange orders
• Executing eligible forex transactions
• Processing international transfers
• Facilitating forex/travel card services
• Facilitating travel eSIM/SIM services
• Facilitating travel insurance services
• Processing bookings, payments and refunds
• Providing customer support

Compliance

• KYC verification
• AML/CFT screening
• Fraud prevention
• Risk assessment
• Transaction monitoring
• Regulatory reporting
• Tax compliance
• Maintaining statutory records
• Responding to lawful requests from authorities

Security

• Detecting suspicious activity
• Preventing unauthorized transactions
• Protecting our systems and customers
• Investigating fraud, abuse or security incidents

Business Operations

• Processing payments
• Managing orders
• Maintaining customer records
• Accounting and reconciliation
• Auditing
• Internal reporting
• Improving products and services

Communication

• Transaction confirmations
• Booking updates
• Payment notifications
• KYC requests
• Service notifications
• Customer support
• Policy or regulatory updates

Marketing

Where permitted by law and subject to applicable consent requirements, we may send:

• Service offers
• Promotional communications
• Product updates
• Travel-related offers
• Educational content
• Surveys and feedback requests

You may opt out of promotional communications at any time. Transactional and regulatory communications may continue where necessary.

Because GGS Forex operates in the foreign exchange and related financial-services environment, certain information may be collected, processed and retained because we are legally or regulatorily required to do so.

This may include requirements relating to:

• Foreign exchange regulations
• KYC requirements
• AML/CFT requirements
• Taxation
• Accounting
• Audit
• Transaction reporting
• Record keeping
• Fraud prevention
• Law enforcement requests

Where retention is legally required, we may not be able to delete certain information even if a customer requests deletion.

GGS Forex does not sell or rent personal information to third parties for their independent commercial use.

We may share information where reasonably necessary with:

Financial & Banking Partners

• Banks
• Authorized dealers
• Payment institutions
• Card issuers
• Card networks
• Financial institutions
• Remittance and payment service providers

Service Providers

• KYC and verification providers
• Technology providers
• Cloud and hosting providers
• Payment processors
• Cybersecurity providers
• Customer support providers
• Analytics providers

Travel Service Providers

Where you request a relevant service:

• eSIM/SIM providers
• Insurance companies
• Insurance intermediaries
• Travel-service partners
• Other authorized service providers

Professional Advisors

• Auditors
• Lawyers
• Compliance consultants
• Accountants
• Professional advisors

Government & Regulatory Authorities

Information may be disclosed where required or permitted by law to:

• Reserve Bank of India
• Government authorities
• Tax authorities
• Law enforcement agencies
• Courts and tribunals
• Other competent regulatory or statutory authorities

Information will generally be shared on a need-to-know basis and subject to applicable legal, contractual and security requirements.

Some GGS Forex services may involve third-party providers.

Examples may include:

• Banks and financial institutions
• Forex/travel card issuers
• Payment processors
• Insurance providers
• eSIM/SIM providers
• KYC providers
• Technology platforms
• Delivery and logistics providers

These providers may independently process information under their own contractual terms and privacy policies.

Where appropriate, we encourage customers to review the privacy notices of the relevant third-party provider before using the applicable service.

Certain service providers or technology infrastructure used by GGS Forex may process or store information outside India.

Where personal information is transferred, accessed or processed outside India, we will take reasonable steps to ensure that such processing is carried out in accordance with applicable law and appropriate contractual or security safeguards.

International transfers may also be necessary for certain services such as international payments, card processing, travel insurance or international telecommunications services.

We use reasonable administrative, technical and organizational safeguards designed to protect personal information against:

• Unauthorized access
• Unauthorized disclosure
• Loss
• Misuse
• Alteration
• Destruction
• Fraud
• Security incidents

Security measures may include:

• Access controls
• Authentication mechanisms
• Encryption where appropriate
• Secure infrastructure
• Restricted access to sensitive information
• Monitoring and logging
• Backup procedures
• Internal controls
• Periodic security reviews

However, no electronic transmission or storage system can be guaranteed to be completely secure.

We retain information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Providing requested services
• Completing transactions
• Meeting legal and regulatory obligations
• KYC and AML requirements
• Accounting and tax requirements
• Audit requirements
• Fraud prevention
• Dispute resolution
• Enforcing contractual rights
• Protecting legal interests

Certain financial, transactional and KYC records may need to be retained for periods prescribed by applicable law or regulatory requirements.

When information is no longer required, it may be securely deleted, anonymized or archived in accordance with applicable requirements.

Subject to applicable law and regulatory requirements, you may have rights to:

• Request access to personal information held about you
• Request correction of inaccurate information
• Request updating of outdated information
• Withdraw consent where processing is based on consent
• Request deletion where legally permissible
• Opt out of promotional communications
• Raise a privacy-related concern or complaint

Some requests may be restricted or declined where continued processing or retention is required by law, regulation, fraud prevention requirements or legitimate business purposes.

We may use your contact details to communicate information about products, services, offers and updates where permitted.

You may unsubscribe from promotional communications by:

• Using the unsubscribe option included in the communication
• Contacting us at support@ggsforex.com
• Contacting our customer support team

Even if you opt out of marketing communications, we may continue sending essential transactional, security, account or regulatory communications.

Our services are generally intended for adults and persons legally eligible to enter into financial or contractual transactions.

We do not knowingly collect personal information from children except where permitted or required for a specific lawful service or transaction and with appropriate involvement of a parent, guardian or authorized person.

Our website may contain links to websites, applications or services operated by third parties.

GGS Forex is not responsible for the privacy practices, security or content of third-party websites.

Customers should review the privacy policies and terms of the relevant third party before submitting personal information.

We may monitor transactions, account activity, communications and system activity to:

• Detect fraud
• Prevent money laundering
• Identify suspicious transactions
• Prevent unauthorized access
• Protect customers and the company
• Meet regulatory obligations
• Investigate security incidents

Such monitoring may be conducted using automated systems, manual review or a combination of both.

Payments made through our website or services may be processed by authorized payment gateways, banks or other payment service providers.

GGS Forex may receive transaction-related information necessary to confirm and reconcile payments.

Payment credentials such as complete card details may be processed directly by the relevant payment provider and may not be stored by GGS Forex unless required and permitted for the relevant service.

When you contact GGS Forex by telephone, email, WhatsApp, website forms, chat or other communication channels, we may collect and retain:

• Contact details
• Communication history
• Transaction references
• Documents shared for service support
• Complaint or enquiry details
• Customer preferences
• Information required to resolve your request

This information may be used for customer service, quality assurance, dispute resolution, security and regulatory purposes.

If you interact with GGS Forex as an agent, travel partner, corporate customer, vendor or business partner, we may collect:

• Business and company information
• Contact information
• KYC/KYB documentation
• Authorized representative information
• Banking information
• Transaction information
• Contractual information
• Compliance documentation

Such information may be used for onboarding, due diligence, contractual management, compliance, settlement and business operations.

In the event of a data security incident, GGS Forex will take reasonable steps to investigate, contain and remediate the incident and make notifications where required under applicable law or regulatory requirements.

We may update this Privacy Policy periodically to reflect:

• Changes in law or regulation
• Changes to our products or services
• Changes in technology
• Changes in our business practices
• Security or compliance requirements

The updated version will be published on this page with the revised effective date.

Your continued use of our website or services after the updated Privacy Policy becomes effective will be subject to the revised policy, to the extent permitted by applicable law.

If you have questions, requests or concerns regarding this Privacy Policy or the handling of your personal information, please contact us.

GGS Forex Private Limited

Email: support@ggsforex.com

Phone: +91 98960 38666

Registered/Office Address:
SCO 43, Mahila Ashram Complex,
Behind Bus Stand, Karnal, Haryana – 132001, India

For privacy-related requests, please include sufficient information to help us identify your account, transaction or request.

• RBI FFMC License: CHG-FFMC-0128-2023
• GSTIN: 06AAJCG7454N1Z0
• CIN: U67100HR2022PTC103240

GGS Forex is committed to maintaining appropriate standards of privacy, security, compliance and responsible financial services.

GGS Forex — Privacy. Security. Trust.