Privacy Policy
Privacy Policy
The Mobile Application (“App”) is provided by Bramha Urban Multistate Co-operative Credit Society (“we”, “our”, “us”). This Privacy Policy explains how we collect, use, store, and protect your information when you use our App.
Please read this Privacy Policy carefully. By accessing or using the services provided by Bramha Urban Multistate Co-operative Credit Society, you consent to the collection and use of your information in accordance with this Privacy Policy.
“Personal Data” means any information that identifies or can reasonably be used to identify an individual, either directly or indirectly. This includes, but is not limited to, your name, mobile number, email address, telephone number, and other information provided during registration or while using the App.
“Profile Photo/Image” refers to the image uploaded by users to personalize and manage their profile. This information is collected only with user consent and is securely stored on our backend systems.
“Anonymous Information” refers to information that does not personally identify an individual. This may include browser details, IP address, device information, usage statistics, demographic data, tracking technology data, or aggregated and de-identified information.
“Location Information” refers to data collected through your device’s location-based features when you request services that require physical location access, such as locating nearby ATMs.
We handle all personal and sensitive user data securely using industry-standard security measures, including:
Encryption of data during transmission using HTTPS and modern cryptographic protocols
Secure generation and storage of login PINs and transaction PINs in encrypted form for authentication and authorization
Dynamic and personalized content display to ensure sensitive information such as account numbers and personal details are not exposed
We use your personal information for the following purposes:
To provide and maintain the services requested by you
To authenticate users and manage user accounts securely
To personalize user experience, including the use of profile photos
To improve our products and services
To send service-related notifications, updates, and important alerts
We retain your Personal Data only for as long as necessary to:
Provide services and manage your account
Address queries, complaints, or disputes
Comply with legal, regulatory, or statutory requirements
Prevent fraud and financial crime
Establish, exercise, or defend legal claims
If the data is no longer required for these purposes, we will securely delete, destroy, or anonymize it.
The App may integrate or interact with third-party services, including but not limited to payment service providers, authentication services, analytics tools, and app deployment platforms (“Third-Party Services”).
By using the App, you acknowledge that:
Third-Party Services operate under their own terms and privacy policies
We do not control or endorse Third-Party Services
Any interaction, transaction, or data sharing with Third-Party Services is solely between you and the respective provider
We are not liable for any loss, damage, or dispute arising from your use of Third-Party Services
We reserve the right to add, modify, or remove Third-Party Services at any time without prior notice.
The App may request the following permissions to ensure proper functionality:
Used to detect nearby bank ATMs and provide location-based services.
Required to access online banking services and determine network connectivity.
Used for scanning QR codes for payments and other banking-related services.
Allows users to download and store PDF account statements on their device.
Used to deliver transaction alerts, service updates, and promotional messages. Users may opt in or out at any time.
Users can register using their mobile number to access accounts linked to that number. The registration process requires submission of necessary personal information as mandated by applicable banking regulations. User identities are verified and authenticated securely to protect account access.
The App supports various financial services, including fund transfers, bill payments, mobile recharges, insurance payments, and more. All transactions are protected using industry-standard security protocols to safeguard financial and personal information.
The App uses Firebase services to send notifications related to app updates and important alerts. Firebase processes this information securely in accordance with its privacy and security standards.
We are committed to maintaining the confidentiality, integrity, and security of user data. Robust security measures are implemented to prevent unauthorized access, misuse, alteration, or disclosure of information. Sensitive data is never displayed openly and is dynamically generated for individual users.
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13 years of age. If such information is discovered, it will be promptly deleted. Parents or guardians who believe their child has provided personal data may contact us for immediate action.
We reserve the right to update this Privacy Policy at any time. Any changes will be reflected by updating the effective date. Users are encouraged to review this policy periodically to stay informed.
By using this App, you acknowledge and agree to this Privacy Policy. If you do not agree, please discontinue use of the App. Continued use following updates constitutes acceptance of the revised policy.
If you have any questions or concerns regarding this Privacy Policy or the App, please contact us at:
Email: bramhaurbanmultistate@gmail.com