Privacy Policy

This Privacy Policy outlines how Ajinkyatara Sahakari Patsanstha Maryadit, Koparkhairane (“we,” “our,” or “us”) collects, uses, discloses, and protects your information when you use our Mobile Application. By accessing or using the app, you agree to the terms and practices described in this policy. Please read it carefully.

1. Personal Data We Collect

Personal Information: Includes details that directly or indirectly identify an individual, such as your name, mobile number, email address, and telephone number provided during registration.

Profile Photo/Image: Collected with your permission to personalize your profile and enhance your app experience. This image is securely stored on our backend system.

Anonymous Information: Includes non-identifiable data such as your browser type, IP address, demographic data, device information, and usage patterns.

Location Information: May be collected via your device’s location services to provide location-based features such as ATM locators.

2. Data Security and Handling

We prioritize the protection of your personal and sensitive data. Measures include:

Storing and transmitting data in encrypted formats using secure protocols (e.g., HTTPS).

Secure generation and encryption of login and transaction PINs.

Ensuring sensitive information like account numbers and names are never publicly exposed.

3. Use of Your Information

Your personal information is used to:

Deliver and manage the services you request.

Display customized content relevant to your account.

Enhance your experience through personalization features (e.g., using profile photos).

Internally improve our products and services.

Send important updates, notifications, and alerts.

4. Data Retention

We retain your information for as long as required to:

Provide services and manage your account.

Address concerns, legal, or regulatory requirements.

Respond to queries, fight fraud, or comply with audit and compliance purposes.

When retention is no longer necessary, your data will be deleted, anonymized, or securely destroyed.

5. Third-Party Services

Our app may integrate with third-party services such as:

Payment gateways

Authentication providers

Analytics tools

Important Notes:

These services have their own privacy policies and terms.

We do not control or endorse third-party platforms.

Your interactions with third parties are your responsibility.

We are not liable for any loss or damages arising from use of third-party services.

We may modify or remove third-party services without prior notice.

6. Permissions Required

To function properly, the app requires access to certain device features:

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

Internet Access (INTERNET, ACCESS_NETWORK_STATE): To enable online banking functionality.

Camera (CAMERA, autofocus): To scan QR codes for transactions.

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

Push Notifications (POST_NOTIFICATIONS): To send transaction alerts and updates.

7. User Registration and Account Access

Users can register with their mobile number, allowing secure access to accounts linked to that number. Registration requires submission of personal information, which is handled securely in compliance with banking regulations.

8. Payments and Transactions

Our app supports services such as:

Fund transfers

Bill and insurance payments

Mobile recharges

These services require authentication and banking details, all of which are processed using industry-standard encryption and security protocols.

9. Firebase Integration

The app utilizes Firebase services to manage and send app update notifications securely.

10. Children’s Privacy

Our services are not intended for users under the age of 13. We do not knowingly collect personal information from children. If we learn that a child under 13 has submitted personal data, we promptly delete it. Parents or guardians can contact us if they believe their child has provided personal data.

11. Policy Updates

We reserve the right to update this Privacy Policy at any time. Updates will be reflected with a revised “last updated” date. We encourage users to review this page periodically to stay informed about our data practices.

12. Your Acceptance

By using the app, you confirm your agreement to this policy. If you do not agree, please refrain from using the app. Continued use after updates constitutes acceptance of the revised terms.

13. Contact Us

If you have any questions or concerns regarding this Privacy Policy or our data handling practices, please reach out to us at:

📧 Email: ajinkyataraspm2000@gmail.com