Last Updated: July 11, 2026
Welcome to ThangamPay. By accessing or using our platform, you agree to comply with and be bound by the following terms and conditions. Please read them carefully before making any investment.
ThangamPay is a digital platform operated by Ayyappar Solutions Private Limited. We facilitate the purchase, sale, and storage of 24K Digital Gold and Silver. All physical bullion is stored in secured, insured vaults managed by accredited third-party vault keepers (e.g., Brinks).
To use ThangamPay, you must:
Transactions are subject to the following rules:
Your gold/silver is held in physical form in world-class, insured vaults. Ayyappar Solutions ensures that for every gram of digital asset sold, an equivalent amount of physical metal is added to the vault. Users do not pay storage fees for the first 5 years of accumulation.
As a fintech platform, we adhere to Anti-Money Laundering (AML) guidelines. We reserve the right to freeze accounts that fail to provide valid KYC documents or are suspected of fraudulent activities.
Users can request physical delivery of their digital balance in the form of coins or bars. Delivery charges, minting charges, and insurance costs will be applicable at the time of the request. Once delivered, the equivalent digital balance will be deducted from your vault.
By enabling Auto-Debit (UPI AutoPay/eNACH), you authorize ThangamPay and its payment partner (Razorpay) to deduct the specified amount at the chosen frequency. You can cancel these mandates at any time through your dashboard.
While we strive for 100% uptime, ThangamPay is not responsible for losses caused by market volatility, internet failures, or unauthorized access to your account due to your negligence in securing your password.
These terms are governed by the laws of India. Any disputes arising out of the use of this platform shall be subject to the exclusive jurisdiction of the courts in Tamil Nadu, India.
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