Privacy Policy

This Mobile Application is provided by Hindseva Mandalachaya Sevakanchi Sah Patpedhi Ltd. This Privacy Policy outlines how we collect, use, and protect your personal data. We encourage you to read this policy carefully. By using our services, you consent to the practices described herein.

1. Collection of Personal Data

Personal Data:
"Personal data" includes any information that can identify you, directly or indirectly—such as your name, mobile number, email address, or telephone number. This also includes data you provide during registration.

Profile Photo/Image:
Profile images help personalize your account experience. These are collected with your permission and securely stored in our backend system.

Anonymous Information:
This refers to data that does not identify an individual—such as your browser type, IP address, device information, or analytics data collected via tracking technologies.

Location Information:
If you opt-in, the app may collect location data to provide location-based services (e.g., locating nearby ATMs).

2. Data Handling and Security

All personal and sensitive data is securely encrypted and transmitted using modern cryptographic standards such as HTTPS.
Login PINs and transaction PINs are stored in encrypted formats for authentication and authorization.
Sensitive information such as names and account numbers is never exposed unnecessarily. Personalized content is securely generated for each user.

3. Use of Personal Information

We use your personal data to:

Deliver requested services.
Personalize your experience with profile images.
Improve products and services based on user feedback.
Send notifications and service updates.

4. Data Retention

Your personal data is retained only as long as necessary to:

Manage your account and resolve concerns.
Fulfill legal, regulatory, or legitimate business needs (e.g., fraud prevention, handling complaints, or responding to authorities).

Data may be deleted, anonymized, or destroyed once it’s no longer needed.

5. Third-Party Services

The app may integrate third-party services for functions such as payments, authentication, and analytics. Please note:

These services are governed by their own terms and privacy policies.
We do not endorse or control third-party services and are not liable for any related damages or disputes.
You interact with these services at your own risk.

6. App Permissions

Location (MAPS_RECEIVE, READ_GSERVICES): Enables detection of nearby bank ATMs.
Internet Access (INTERNET, ACCESS_NETWORK_STATE): Required for app connectivity and smooth functionality.
Camera (CAMERA, autofocus): Enables QR code scanning for payments and other tasks.
Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): Allows download and access to PDF account statements.
Notifications (POST_NOTIFICATIONS): Sends alerts, transaction updates, and promotional content.

7. User Registration and Authentication

Users register via mobile number, supplying required personal information. The app uses secure methods to verify and authenticate user identities, ensuring account safety.

8. Payment and Transactions

The app supports various services like fund transfers, mobile recharges, bill and insurance payments. These require secure user authentication and banking details. All financial transactions adhere to industry-standard security practices.

9. Firebase Integration

Firebase is used to send app update alerts and other secure notifications, ensuring timely communication with users.

10. Data Security

We prioritize the security, integrity, and confidentiality of your data. Robust security measures prevent unauthorized access, and all sensitive communication is encrypted. We do not display or share sensitive data unless necessary.

11. Children’s Privacy

This app is not intended for children under the age of 13. We do not knowingly collect personal data from children. If such data is discovered, it is promptly deleted. Parents/guardians can contact us for immediate action.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected with a revised update date. Continued use of the app implies acceptance of any changes. Users are encouraged to review this policy regularly.

13. Acceptance of Terms

By using this app, you agree to the terms of this Privacy Policy. If you disagree with any part, please refrain from using the app. Continued use following any changes signifies your acceptance of the revised terms.

14. Contact Us

If you have any questions or concerns about this policy, please contact us at:
📧 hindsevapatpedhi@gmail.com

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