Privacy Policy
Privacy Policy
The Mobile Application (“App”) is provided by Jagat Jyoti Multistate Co-Operative Credit Society Limited, Latur (“we”, “our”, “us”). This Privacy Policy explains how we collect, use, store, and protect your information when you use our App.
By accessing or using the services provided through this App, you agree to the collection and use of your information in accordance with this Privacy Policy. We strongly recommend that you read this policy carefully.
“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:
Name
Mobile number
Email address
Telephone number
Any information provided during registration or account access
Profile photo or image refers to the data used to personalize and manage a user’s profile. This information is collected only with the user’s consent and is securely stored on our backend systems.
“Anonymous Information” refers to information that does not identify an individual. This may include:
Browser type
IP address
Device information
Usage statistics
Aggregated or de-identified data
“Location Information” refers to data collected through your device’s location-enabled features when required for location-based services, such as locating nearby ATMs.
We handle all personal and sensitive user data with the highest level of security. Our data protection practices include:
Secure data transmission using industry-standard encryption protocols such as HTTPS
Encrypted generation and storage of login PINs and transaction PINs for authentication and authorization
Strict access controls to prevent unauthorized access to sensitive information
Sensitive details such as names, account numbers, or financial data are never exposed. Users are shown personalized and account-specific content that is generated dynamically and securely.
We use your personal information for the following purposes:
To provide and maintain the services requested by you
To verify and authenticate your identity
To process transactions and banking services securely
To personalize user experience within the App
To communicate important updates, alerts, and service notifications
To improve our products, services, and overall user experience
Profile photos/images are used solely for identification, personalization, and enhancing the user experience.
We retain your Personal Data only for as long as necessary to:
Provide services and manage your account
Address user queries, complaints, or disputes
Comply with legal, regulatory, or statutory obligations
Prevent fraud and financial crimes
Establish, exercise, or defend legal claims
Where data is no longer required, it is securely deleted, destroyed, or anonymized.
The App may integrate with third-party services such as payment gateways, authentication providers, analytics services, 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 or data shared with third parties is solely between you and the respective provider
We are not liable for any loss, damage, or dispute arising from the 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 function effectively:
Used to detect nearby bank ATMs for user convenience.
Required to provide online banking services and ensure smooth app functionality.
Used for scanning QR codes for payments and banking services.
Allows users to download and store PDF account statements on their device.
Used to send transaction alerts, important 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. Registration and authentication are performed securely in compliance with applicable banking and regulatory requirements.
The App enables services such as fund transfers, bill payments, mobile recharges, insurance payments, and other financial transactions. All transactions are processed using secure authentication and industry-standard security protocols to protect financial information.
We use Firebase services to deliver app update notifications and service alerts. Firebase processes this data securely and in accordance with its privacy standards.
We are committed to safeguarding the confidentiality, integrity, and availability of user data. Security measures include encryption, secure servers, access controls, and continuous monitoring to prevent unauthorized access, disclosure, or misuse of data.
Sensitive information is never displayed publicly. All user-specific content is securely generated and shown only to the respective user.
Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If such information is identified, it will be promptly deleted. Parents or guardians who believe their child has provided personal data should contact us immediately.
We reserve the right to update this Privacy Policy at any time. Any changes will be reflected by updating the “Last Updated” date. Users are encouraged to review this policy periodically to stay informed.
By using this App, you confirm your acceptance of this Privacy Policy. If you do not agree with any part of this policy, 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:jagatjyoti1008@gmail.com