Privacy Policy
Last Updated: September 23, 2025
App Permission Details :
ACCESS_NETWORK_STATE – Used to check your device’s internet connectivity for app functionality and advertisements.
CALL_PHONE – Used to let you directly call official bank enquiry numbers from within the app.
READ_PHONE_STATE – Used to access phone status and network information to support call and SMS features.
READ_SMS – Used to read bank transaction SMS securely to display balance and passbook details.
WAKE_LOCK – Used to keep the device awake temporarily while processing SMS or balance enquiry tasks.
INTERNET – Used to connect the app to online services and display ads.
RECEIVE_SMS – Used to detect and process incoming SMS from banks for balance updates.
POST_NOTIFICATIONS – Used to send you alerts and notifications about balance, transactions, or important updates.
RECEIVE_BOOT_COMPLETED – Used to restart app services automatically after the device restarts if SMS or notification features are enabled.
All this Permission are used to correctly run Aplication but app does not share data to outside app without user permission
-SMS Permission : To get Bank Transaction details from SMSs & We may collect it to further improve app
This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
Lender Privacy Policy CreditLinks : https://l.creditlinks.in/privacy-policy
Apps uses Facebook Ads ... Privacy Policy : https://www.facebook.com/about/privacy/
Users can set preferences for how Facebook advertises to you using the Facebook Ad Settings page https://m.facebook.com/ads/settings.
What personal information do we collect from the people that visit our blog, website or Download app?
When ordering or registering on our site or download app, as appropriate, you may be asked to enter your name, email,gender, address, phone number,IP address or device id, contacts, camera, Microphone, Location or other details to help you with your experience.
SMSs : We may collect SMSs related to bank only after your consent to improve statement accuracy
SMS Permission Usage
READ_SMS & RECEIVE_SMS – Our app accesses SMS messages only from your bank or financial institutions to automatically detect and display your account balance and transaction details.
We do not read personal or private messages from friends, family, or other sources.
SMS data is processed locally on your device and is not uploaded, shared, or sold to any third party.
This permission is required for the core feature of providing passbook and balance enquiry services.
When do we collect information?
We collect information from you when you or enter information on our site or download Apps.
Everything is taken on Your prior permission or action;
How do we use your information?
We may use the information we collect from you when you register, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
• To work App Correctly and function properly as it says to work
• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To improve our website in order to better serve you.
• To allow us to better service you in responding to your customer service requests.
SMSs : we may collect your SMSs to our server to identify problem and improve statement accuracy
How do we protect your information?
We do not use vulnerability scanning and/or scanning to PCI standards.
We only provide articles and information. We never ask for credit card numbers.
We use regular Malware Scanning.
We do not use an SSL certificate
• We only provide articles and information. We never collect and upload on server personal or private information like email addresses or credit card numbers.
SMSs: we never share collected SMSs with any 3rd party we use only to process data
Do we use 'cookies'?
Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
• Help remember and process the items in the shopping cart.
• Understand and save user's preferences for future visits.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled. It won't affect the user's experience that make your site experience more efficient and may not function properly.
However, you will still be able to place orders .
Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Google's advertising requirements can be summed up by Google's Advertising Principles.They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We use Google AdSense Advertising on our website.
Google, as a third-party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.
We have implemented the following:
• Remarketing with Google AdSense
• Google Display Network Impression Reporting
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.
Analytics
We may use third-party Service Providers to monitor and analyze the use of our Service.
Firebase
Firebase is an app analytics tool. You can read the Privacy Policy for Firebase here: https://firebase.google.com/support/privacy/
Google Analytics
We use third-party analytics tools to help us measure traffic and usage trends for the Service. These tools collect information sent by your device or our Service, including the web pages you visit, add-ons, and other information that assists us in improving the Service. We collect and use this analytics information with analytics information from other users so that it cannot reasonably be used to identify any particular individual User.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its advertising network.
You may opt out of certain Google Analytics features through your mobile device settings, such as your device advertising settings, or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy?hl=en
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Microsoft Clarity
We improve our products and advertising by using Microsoft Clarity to see how you use our website. By using our site, you agree that we and Microsoft can collect and use this data. Our privacy statement has more details.
Privacy Policy Link: https://privacy.microsoft.com/en-US/privacystatement
OneSignal
We use OneSignal to send push notifications. It may collect device and usage data to improve message delivery.
For more details, see OneSignal’s Privacy Policy : https://onesignal.com/privacy_policy
Purchase for products/services
Yes, our app offers optional subscriptions that provide access to premium features or enhanced functionality. Users can choose to subscribe through in-app purchases. All payments are handled securely via the respective app store (Google Play).
Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal data:
• Right to Access – You have the right to request a copy of the personal information we hold about you.
• Right to Correction – You may request that we correct or update any inaccurate or incomplete information.
• Right to Deletion – You can request that we delete the personal data we have collected about you, subject to legal obligations.
• Right to Object or Restrict – You may object to how we use your data or request that we limit certain processing activities.
• Right to Data Portability – You may request a copy of your data in a portable format where applicable.
Children’s Privacy
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from anyone under this age. If we become aware that a child under 13 has provided us with personal data, we will delete it immediately from our systems.
If you are a parent or guardian and believe your child has provided us with personal data, please contact us so we can take appropriate action.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.
You will be notified of any Privacy Policy changes:
• On our Privacy Policy Page
Can change your personal information:
• By emailing us
How does our site handle Do Not Track signals?
We don't honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. We don't honor them because:
We are making Apps Only
Does our site allow third-party behavioral tracking?
It's also important to note that we do not allow third-party behavioral tracking
We adhere to the following COPPA tenants:
• Parents can review, delete, manage or refuse with whom their child's information is shared through contacting us directly.
or contacting us directly.
Virginia Privacy Rights (VCDPA)
If you are a resident of Virginia, you have rights under the Virginia Consumer Data Protection Act (VCDPA), including:
• Right to Access – You can request access to the personal data we collect about you.
• Right to Correction – You can request that we correct inaccurate personal data.
• Right to Deletion – You can request that we delete personal data we have collected about you.
• Right to Data Portability – You can request a copy of your personal data in a portable format.
• Right to Opt-Out – You can opt out of the processing of your personal data for targeted advertising, the sale of personal data, or certain profiling activities.
To exercise any of these rights, please contact us at: sureshdkheni@gmail.com.
We will respond to your request in accordance with the VCDPA requirements.
GDPR Privacy Rights (For EU Users)
If you are located in the European Union (EU), you have certain rights under the General Data Protection Regulation (GDPR), including:
• Right of Access – You can request a copy of the personal data we hold about you.
• Right to Rectification – You can request that we correct any inaccurate or incomplete information.
• Right to Erasure – You can request that we delete your personal data, subject to certain exceptions.
• Right to Restrict Processing – You can request that we limit the way we use your data.
• Right to Object – You can object to our processing of your data for purposes such as direct marketing.
• Right to Data Portability – You can request a copy of your data in a portable format.
• Right to Withdraw Consent – If we process your data based on your consent, you may withdraw that consent at any time.
• Right to Lodge a Complaint – You have the right to file a complaint with your local Data Protection Authority if you believe your privacy rights have been violated.
To exercise any of these rights, please contact us at: sureshdkheni@gmail.com. We will respond to your request in accordance with applicable laws.
Privacy Rights for Brazilian Users (LGPD)
If you are located in Brazil, you have rights under the Lei Geral de Proteção de Dados (LGPD), including:
• Right to Confirmation – You can request confirmation of whether we process your personal data.
• Right of Access – You can request access to the personal data we hold about you.
• Right to Correction – You can request that we correct inaccurate or incomplete data.
• Right to Deletion – You can request the deletion of your personal data.
• Right to Anonymization or Blocking – You can request anonymization, blocking, or deletion of unnecessary or excessive data.
• Right to Data Portability – You can request that we transfer your personal data to another service provider.
• Right to Information – You can request information about public and private entities with whom we share your data.
• Right to Withdraw Consent – You can withdraw your consent at any time, where consent is the basis of processing.
• Right to Lodge a Complaint – You may file a complaint with Brazil’s National Data Protection Authority (ANPD).
To exercise any of these rights, please contact us at: sureshdkheni@gmail.com. We will respond to your request in accordance with the LGPD requirements.
Legal Basis for Processing Personal Data (GDPR)
If you are located in the European Union, we process your personal data only where we have a legal basis to do so under the General Data Protection Regulation (GDPR). The legal bases we rely on include:
• Consent – When you give us permission to collect and process your data (for example, when you allow access to your camera, microphone, or location, or when you agree to personalized ads).
• Contractual Necessity – When processing is necessary to provide you with the app’s services and features you request.
• Legal Obligation – When we are required to process your data to comply with applicable laws or regulations.
• Legitimate Interests – When processing is necessary for our legitimate business interests, such as improving our services, maintaining security, preventing fraud, and analyzing app usage — provided that these interests are not overridden by your rights and freedoms.
If we rely on your consent to process your personal data, you have the right to withdraw your consent at any time by contacting us at: sureshdkheni@gmail.com.
Right to Opt-Out of Data Sale/Sharing
Users have the right to opt out of the “sale” or “sharing” of their personal information and the use of their personal data for targeted advertising, as required under privacy laws (such as CCPA/CPRA in California).
How Users Can Opt-Out
• On Android, go to Settings → Google → Ads → Opt out of Ads Personalization.
• Reset your Advertising ID in the same menu.
• Manage your ad preferences at Google Ad Settings
• You may also contact us at sureshdkheni@gmail.com to request an opt-out, and we will process your request in accordance with applicable laws.
Data Retention
We retain your personal data only for as long as necessary to provide our services and comply with legal obligations.
• Account information: Retained until you delete your account or request removal.
• Usage data: Retained for up to 24 months for analytics and service improvement, then deleted or anonymized.
• Advertising data: Retained by our third-party partners according to their privacy policies.
When data is no longer required, we securely delete or anonymize it.
Data Protection Officer (DPO)
Our appointed Data Protection Officer (DPO), responsible for overseeing questions related to this Privacy Policy and our data protection practices, is:
Name: Suresh kheni
Company: iBank Balance Checker Lab
Email: sureshdkheni@gmail.com
If you have any questions about this Privacy Policy or our data protection practices, please contact our DPO using the details above.
Data Controller
The Data Controller responsible for your personal data in connection with the use of our app is:
Company Name: iBank Balance Checker Lab
Email: sureshdkheni@gmail.com
The Data Controller is responsible for determining the purposes and means of processing your personal data.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via in-site notification
• Within 7 business days
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
To be in accordance with CANSPAM, we agree to the following:
• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can email us at
sureshdkheni@gmail.com and we will promptly remove you from ALL correspondence.
Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.
iBank Balance Checker Lab
India
sureshdkheni@gmail.com