Privacy & Policy
Privacy & Policy
This Privacy Policy describes how the Bank Balance Check mobile application ("the App", "we", "us", or "our") collects, uses, processes, stores, shares, and protects your information. The App is designed as a utility tool providing banking calculators, IFSC/MICR code lookups, bank holiday calendars, and local portfolio tracking.
We are committed to protecting your privacy and ensuring a secure user experience in compliance with Google Play Developer Policies (including User Data and Data Safety requirements), the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA/CPRA), and the UK GDPR.
By downloading, installing, or using the Bank Balance Check application, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with any terms of this policy, please do not use the App.
We collect information both directly from your inputs and automatically through third-party Software Development Kits (SDKs) integrated into the App.
IFSC Search Queries: When you search for IFSC or MICR codes, the select parameters you choose (Bank Name, State, District, and Branch Name) are sent to our API to fetch corresponding details.
Mutual Fund Portfolio Inputs: If you use the mutual fund portfolio tracking feature, you may input financial details such as mutual fund names, units purchased, NAV, and purchase prices. This information is stored strictly locally on your device's secure SQLite database and is never uploaded or transmitted to our servers or any third parties.
To provide app stability, analytics, and advertising services, we integrate third-party SDKs that automatically collect certain device and usage information:
Device Identifiers: We and our advertising partners collect your Google Advertising ID (ADID), IP address, network details, device manufacturer, model, operating system version, and system language.
App Performance and Diagnostics: We collect crash stack traces, performance logs, and device states at the time of an error via Firebase Crashlytics.
Usage Statistics: We track active sessions, page views, click behaviors, and feature interactions via Firebase Analytics.
Push Notification Identifiers: Firebase Cloud Messaging (FCM) generates and collects a unique device token to route push notifications.
We use the collected information for the following specific purposes:
To Provide App Features: Processing bank branch selectors to fetch IFSC codes; calculating financial values (EMI, GST, Compounding Interest, SIP, PPF, FD, RD, and Inflation).
To Deliver Push Notifications: Using the FCM token to deliver notifications regarding bank status, holidays, or features (where permitted by the user via the POST_NOTIFICATIONS permission).
To Serve Advertisements: Using device identifiers and Google Advertising ID (ADID) to serve relevant banner, native, interstitial, and rewarded ads, as well as managing ad frequency limits.
To Improve App Quality and Debug Crashes: Using diagnostics logs and crash reports to fix bugs and improve performance.
Security & Integrity: Verifying the authenticity of app traffic using Firebase App Check with Play Integrity.
If you are a resident of the European Economic Area (EEA) or the United Kingdom, we process your personal data under the following legal bases:
Performance of a Contract: To deliver the core functions of the App (such as retrieving IFSC data at your request).
Legitimate Interests: To display non-personalized ads, monitor app performance, debug crashes, and send functional notifications.
Consent: For serving personalized advertisements and tracking analytics (where consent is given via the User Messaging Platform consent dialogue).
The App integrates services from third-party providers. These third parties may collect, process, and share your information in accordance with their own privacy policies.
Google Play Services / AdMob: Used to serve advertisements.
Privacy Policy: https://policies.google.com/privacy
Firebase Analytics, Remote Config, & App Check: Used for analytics, app updates, and app integrity.
Privacy Policy: https://firebase.google.com/support/privacy
Firebase Crashlytics: Used for crash reporting.
Privacy Policy: https://firebase.google.com/support/privacy
We use AdMob Mediation to serve ads from other ad networks. These networks collect device and advertising identifiers:
AppLovin:
Privacy Policy: https://www.applovin.com/privacy/
Pangle (ByteDance):
Privacy Policy: https://www.pangleglobal.com/privacy
InMobi:
Privacy Policy: https://www.inmobi.com/privacy-policy
Meta Audience Network (Bidding):
Privacy Policy: https://www.facebook.com/about/privacy/
We do not sell, rent, or lease your personal data. We only share information with third parties under the following circumstances:
With Service Providers: We share device identifiers, usage data, and diagnostics with Google AdMob, Google Firebase, and our mediation partners (AppLovin, Pangle, InMobi, Meta) to support advertising and app performance.
API Requests: When you perform an IFSC code search, the selected search parameters are transmitted to SensibleMobiles API servers to deliver the results.
Legal Requirements: We may disclose your information if required to do so by law, court order, or government authority.
Local Data: Your mutual fund portfolio details and app preferences are stored locally in the App's SQLite database (mybanksdetails.db) and SharedPreferences. This data remains on your device until you clear the App's data, cache, or uninstall the App.
Remote Data: Analytical logs, diagnostic data, and advertising identifiers are retained by our third-party service providers (Google, Firebase, and mediation partners) in accordance with their respective retention policies (typically ranging from 14 to 50 months).
We take the security of your data very seriously.
Local Storage Security: Your portfolio data is saved strictly inside the App's private database directory, which is isolated from other apps on your device.
Transit Security: Network calls to Google Firebase and AdMob are encrypted using HTTPS.
Cleartext Exception: Search query parameters sent to www.sensiblemobiles.com for IFSC lookups are transmitted over HTTP due to legacy API configurations. We implement strict safeguards to ensure no personal user information (such as name, account details, or identity) is ever included in these queries.
Depending on your location, you have rights regarding your personal information, including:
Right to Access / Know: You can request information about what personal data we collect and share.
Right to Rectify: You can correct inaccurate details.
Right to Deletion / Erasure: You can delete all your locally stored data at any time by clearing the App's data or uninstalling it.
Right to Opt-Out of Personalized Ads: You can opt-out of targeted ads by adjusting your device settings (e.g., "Opt out of Ads Personalization" or "Reset Advertising ID" in your Android settings) or by changing your preferences in the App's consent dialog.
The App does not feature user registration, accounts, profiles, or server-side logins. Because we do not create or maintain any user accounts on remote servers:
There is no account deletion portal or form required.
To completely delete all local data associated with the App, simply go to your device's settings: Settings > Apps > Bank Balance Check > Storage > Clear Data, or uninstall the App from your device.
The App is a financial utility (calculators, IFSC lookup, and bank lists) intended for a general audience and is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us.
The third-party SDKs (Google Firebase, AdMob, AppLovin, ByteDance, InMobi, Meta) may transfer and process data on servers located outside your home country, including in the United States. These transfers are protected by standard contractual clauses and compliance certifications of each partner.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy within the App or on our official website and updating the "Last Updated" date at the top of this policy. You are advised to review this policy periodically for any changes.
If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:
Email: gritsolution524@gmail.com
Developer Page: https://play.google.com/store/apps/details?id=com.jk524.bankbalancecheck