Privacy Policy
Privacy Policy
Al Khair Baitul Maal Credit Co-operative Society ("Society", "we", "our", or "us") provides this Mobile Application ("App") to offer banking and financial services to its members. This Privacy Policy explains how we collect, use, store, protect, and disclose your information when you use our App. By accessing or using the App, you agree to the practices described in this Privacy Policy.
Personal Information refers to any information that can identify you directly or indirectly, including:
Name
Mobile Number
Email Address
Telephone Number
Account-related information
Other information provided during registration or while using our services
The App may request access to your profile photo or image with your consent. This information is used to personalize your profile and improve your user experience. Profile images are stored securely on our servers.
We may collect information that does not directly identify you, including:
Browser type and version
Device information
IP address
Usage statistics
Demographic information
Aggregated or anonymized data
With your permission, the App may collect location information from your device to provide location-based services, such as locating nearby ATMs and branches.
We are committed to protecting your information through appropriate technical and organizational security measures.
All personal and sensitive data is transmitted securely using encrypted communication protocols such as HTTPS.
Login PINs and Transaction PINs are generated and stored in encrypted form for authentication and authorization purposes.
Sensitive information, including account details and personal identifiers, is protected against unauthorized access.
Personalized account information is displayed dynamically and securely to authorized users only.
We use your information for the following purposes:
To provide and maintain banking and financial services.
To authenticate users and secure access to accounts.
To process transactions and service requests.
To personalize user profiles and enhance user experience.
To improve products, services, and application performance.
To send service-related notifications, updates, and alerts.
To comply with legal, regulatory, and security requirements.
We retain your Personal Data only for as long as necessary to:
Provide services and maintain your account.
Respond to inquiries, complaints, and support requests.
Comply with legal and regulatory obligations.
Prevent fraud and financial crimes.
Protect our legal rights and interests.
When personal information is no longer required, it will be securely deleted, destroyed, or anonymized in accordance with applicable laws and regulations.
The App may use or integrate with third-party service providers, including but not limited to:
Payment processing services
Authentication services
Analytics providers
Notification services
App deployment and hosting services
Please note:
Third-party services operate under their own privacy policies and terms of use.
We do not control or endorse third-party services.
Any interaction with third-party services is solely between you and the respective provider.
We are not responsible for any loss, damage, or disputes arising from the use of third-party services.
We reserve the right to add, modify, or remove third-party integrations without prior notice.
The App may request the following permissions to provide its services:
Permissions: MAPS_RECEIVE, READ_GSERVICES
Used to help users locate nearby bank ATMs and related banking facilities.
Permissions: INTERNET, ACCESS_NETWORK_STATE
Required to connect to banking servers and ensure uninterrupted access to online services.
Permissions: CAMERA, Autofocus
Used for scanning QR codes for payments and other banking-related functions.
Permissions: READ_EXTERNAL_STORAGE, WRITE_EXTERNAL_STORAGE
Used to download, store, and access PDF account statements and other documents on the device.
Permission: POST_NOTIFICATIONS
Used to send transaction alerts, service updates, security notifications, and promotional messages. Users can manage notification preferences through device settings.
Users may register using their mobile number to access accounts associated with that number.
To ensure account security:
User identity is verified through secure authentication processes.
Personal information may be collected in compliance with applicable banking and regulatory requirements.
Access to account information is restricted to authorized users only.
The App enables users to perform various financial transactions, including:
Fund Transfers
Mobile Recharges
Bill Payments
Insurance Payments
Other banking services
To process these transactions securely, users may be required to provide banking information and authentication credentials. Industry-standard security measures are used to protect financial data during transmission and processing.
The App utilizes Firebase services to:
Deliver app update notifications
Send important service alerts
Improve application reliability and performance
Firebase processes data in accordance with its own privacy and security standards.
We take appropriate security measures to protect personal information against unauthorized access, disclosure, alteration, or destruction.
Our security practices include:
Secure encrypted communication (HTTPS)
Authentication and authorization controls
Encrypted storage of sensitive credentials
Continuous monitoring and security improvements
We do not intentionally expose sensitive information such as account numbers, personal details, or financial information. Personalized content is displayed securely and only to the authorized account holder.
The App is not intended for children under the age of 13.
We do not knowingly collect personal information from children. If we become aware that a child under 13 has provided personal information, we will promptly delete such information from our records.
Parents or guardians who believe that a child has provided personal information should contact us immediately.
We may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, or business practices.
Any updates will be posted within the App or on our official platforms. Users are encouraged to review this Privacy Policy periodically to stay informed about how their information is protected.
Continued use of the App after changes are posted constitutes acceptance of the updated Privacy Policy.
By accessing or using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
If you do not agree with any part of this Privacy Policy, please discontinue use of the App.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact us:
Email: alkhair.baitulmaal@gmail.com