XAG & CO (“Firm”, “we”, “us” or “our”) respects your privacy and is committed to protecting personal information provided to us through this website.

This Privacy Policy explains how we collect, use, store, protect and disclose information obtained through https://wiipl.com/xag&co/ (“Website”).

By using this Website or submitting information through the Website, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending upon how you use the Website, we may collect the following information:

A. Information provided by you

This may include:

• Name;
• Email address;
• Mobile/telephone number;
• Company or organisation name;
• Address;
• GSTIN;
• PAN, where voluntarily provided;
• Nature of business;
• Information contained in enquiries;
• Documents submitted for professional assistance;
• Information provided through contact or enquiry forms; and
• Any other information voluntarily provided by you.

B. Technical information

When you visit our Website, certain technical information may be collected automatically, including:

• IP address;
• Browser type;
• Operating system;
• Device information;
• Date and time of access;
• Pages visited;
• Referring website;
• Website usage information; and
• Technical and security logs.

Such information may be used for website administration, security, analytics and improving the Website.

2. How We Use Your Information

We may use information collected from you for purposes including:

• Responding to enquiries;
• Providing requested information;
• Communicating with you;
• Understanding your requirements;
• Providing professional services after engagement;
• Managing client relationships;
• Preparing proposals or engagement documentation;
• Maintaining records;
• Improving our Website and services;
• Sending relevant professional updates where permitted;
• Preventing fraud, misuse or security incidents;
• Complying with applicable laws and professional requirements; and
• Responding to lawful requests from government or regulatory authorities.

3. Professional and Client Information

Where you engage our Firm for professional services, we may process information and documents necessary to provide those services.

Such information may include accounting records, tax information, financial information, business information, identification documents and other information relevant to the engagement.

We will handle such information in accordance with applicable law, professional obligations and the agreed terms of engagement.

4. Sharing of Information

We do not sell personal information for commercial purposes.

Information may be shared where reasonably necessary with:

• Employees and authorised personnel of the Firm;
• Professional consultants or specialists engaged by us;
• Technology and IT service providers;
• Website hosting and maintenance providers;
• Email and communication service providers;
• Cloud/document management service providers;
• Government departments, regulators or statutory authorities where required;
• Courts, tribunals or law-enforcement authorities where legally required; and
• Other persons where you have authorised or requested such disclosure.

Where appropriate, we seek to ensure that service providers handling information on our behalf maintain suitable confidentiality and security safeguards.

5. Cookies

Our Website may use cookies and similar technologies to improve functionality, analyse website traffic, remember preferences and enhance user experience.

You may be able to control cookies through your browser settings.

Disabling certain cookies may affect some Website functionality.

6. Data Security

We take reasonable technical and organisational measures to protect information against unauthorised access, alteration, disclosure, misuse, loss or destruction.

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

Accordingly, users should exercise reasonable caution while transmitting confidential information over the internet.

7. Retention of Information

We may retain information for as long as reasonably necessary for the purposes for which it was collected, including:

• Providing services;
• Maintaining business and professional records;
• Meeting statutory and regulatory obligations;
• Resolving disputes;
• Protecting legal rights; and
• Meeting professional record-retention requirements.

Information may be retained for longer where required by applicable law or professional requirements.

8. Third-Party Websites

Our Website may contain links to third-party websites.

We are not responsible for the privacy practices, security or content of such third-party websites.

Users are advised to review the privacy policies of such websites before providing information.

9. Children's Privacy

Our Website is intended primarily for adults and businesses.

We do not knowingly seek to collect personal information from children except where permitted and appropriately authorised under applicable law.

10. Your Rights and Requests

Subject to applicable law, you may contact us regarding:

• Information held by us about you;
• Correction of inaccurate information;
• Withdrawal of consent where applicable;
• Questions regarding processing of your information; or
• Other privacy-related concerns.

Requests may be submitted to:
XAG & CO
Email: xavier@xagco.in
Address: Office No-34, 2nd Floor, A C Market Building, Tardeo, Mumbai - 400034

We may need to verify your identity before processing certain requests.

11. Data Protection Laws

This Privacy Policy is intended to operate in accordance with applicable Indian data protection and privacy laws, including the Digital Personal Data Protection Act, 2023, and rules, regulations and notifications applicable from time to time, to the extent applicable to our processing activities.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, technology, our services or our information practices.

The updated Privacy Policy will be published on this Website with the revised “Last Updated” date.

13. Contact Us

For questions or concerns relating to this Privacy Policy, please contact:
XAG & CO
Email: xavier@xagco.in
Phone: 70452 53403
Address: Office No-34, 2nd Floor, A C Market Building, Tardeo, Mumbai - 400034