Privacy Policy

This Mobile Application is provided by ADARSH URBAN CO-OP CREDIT SOCIETY LIMITED, PARBHANI ("we," "our," "us").

This Privacy Policy explains how we collect, use, protect, and handle your personal information. By accessing and using our services, you agree to the practices described in this Privacy Policy. Please read it carefully.

1. Information We Collect

Personal Data

Personal data refers to information that identifies you directly or indirectly. Examples include:

• Name
  
  

• Mobile number
  
  

• Email address
  
  

• Telephone number
  
  

Profile Photo / Image

We may collect and store your profile photo or image with your permission to help customize your profile and enhance your app experience.

Anonymous Information

Anonymous information cannot be used to identify you individually. Examples include:

• Browser type
  
  

• IP address
  
  

• Device details
  
  

• Demographic data
  
  

• Aggregated or de-identified data
  
  

Location Information

If you enable location services, we may collect your device’s location details to provide services such as finding nearby ATMs.

2. Handling of Data

• All personal and sensitive user data is securely stored in encrypted format, including during transmission via HTTPS.
  
  

• Login PINs and transaction PINs are generated and stored in encrypted form for authentication and authorization.
  
  

• Sensitive details (e.g., account numbers, personal identifiers) are not exposed. Personalized content is displayed securely and dynamically.
  
  

3. Use of Personal Data

We use your personal data to:

• Provide the services requested by you
  
  

• Display profile photos/images for identification and personalization
  
  

• Improve our products and services
  
  

• Send notifications, alerts, and updates related to our services
  
  

4. Data Retention

We retain your personal data as long as required to:

• Provide account-related services
  
  

• Comply with legal or regulatory requirements
  
  

• Respond to queries, complaints, or disputes
  
  

• Prevent fraud and financial crimes
  
  

If data is no longer required, it will be securely deleted, anonymized, or destroyed.

5. Third-Party Services

The Mobile App may integrate third-party services such as:

• Payment API providers
  
  

• Authentication services
  
  

• App deployment platforms
  
  

• Data analytics providers
  
  

Important notes:

• Third-party services may have their own terms and privacy policies.
  
  

• We do not control or endorse these services and are not liable for any consequences arising from their use.
  
  

• Your interactions with third-party services are solely your responsibility.
  
  

• We may add, change, or remove third-party integrations without notice.
  
  

6. Permissions Used by the App

• Location Services (MAPS_RECEIVE, READ_GSERVICES): To detect nearby bank ATMs.
  
  

• Internet Access (INTERNET, ACCESS_NETWORK_STATE): To enable online services and check connectivity.
  
  

• Camera (CAMERA, Autofocus): To scan QR codes for payments and transactions.
  
  

• Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): To download and save PDF account statements.
  
  

• Push Notifications (POST_NOTIFICATIONS): To send updates, alerts, and promotional messages (optional).
  
  

7. User Registration & Transactions

• Users register with their mobile number to access linked accounts.
  
  

• Personal information is required as per banking regulations.
  
  

• Transactions include fund transfers, bill payments, recharges, insurance payments, and more.
  
  

• All financial data is processed using industry-standard security protocols.
  
  

8. Firebase Usage

We use Firebase services to send app update alerts. Firebase ensures timely and secure delivery of these notifications.

9. Data Security

We are committed to protecting your data by:

• Using strong encryption and secure transmission protocols
  
  

• Preventing unauthorized access, disclosure, or modification
  
  

• Displaying only necessary, personalized content without exposing sensitive details
  
  

10. Children’s Policy

• Our services are not directed at children under 13.
  
  

• We do not knowingly collect information from children under 13.
  
  

• If such data is identified, it will be deleted immediately.
  
  

• Parents/guardians should contact us if they believe a child has provided personal data.
  
  

11. Updates to Privacy Policy

We may update this Privacy Policy from time to time.

• The “last updated” date will be revised accordingly.
  
  

• Users are encouraged to review the policy periodically to stay informed.
  
  

• Continued use of the app after updates constitutes acceptance of the revised policy.
  
  

12. Acceptance of Terms

By using our Mobile App, you agree to this Privacy Policy. If you do not agree, please discontinue use of the app.

13. Contact Us

For questions or concerns regarding this Privacy Policy or the App’s practices, please contact us at:

📧 adarshurbanpbn@gmail.com