This Privacy Policy outlines how JANSAHKAR CO-OP CREDIT SOCIETY LIMITED collects, uses, stores, and protects your information when you use our mobile application. By accessing or using our services, you agree to the terms described in this policy. Please review it carefully.
1. Information We Collect
Personal Information
Personal information is data that can directly or indirectly identify you. This includes details you provide during registration, such as:
Name
Mobile number
Email address
Phone number
Profile photo/image (used for customization and identification purposes, stored securely with your consent)
Anonymous Data
We may collect non-identifiable data, such as:
Browser type and version
IP address
Demographics
Usage data from tracking technologies
Aggregated or de-identified information
Location Data
Location-based services may collect data from your device to identify your physical location, especially when using features like ATM locators.
2. Data Security & Handling
We handle your data with the utmost care, using modern encryption standards (including HTTPS) to protect all personal and sensitive information. Your login and transaction PINs are securely generated and stored in encrypted form for authentication and authorization.
We ensure sensitive information (e.g., names, account numbers) is never exposed. Instead, personalized content is dynamically generated to maintain security.
3. Use of Your Information
Your information is used to:
Deliver the services you request
Personalize the user experience through profile customization
Improve our products and services
Notify you about updates, transactions, and features
Authenticate and verify your identity
4. Data Retention
We retain your personal data as long as necessary to:
Manage your account and provide services
Address concerns or complaints
Comply with legal or regulatory obligations
Prevent fraud and financial crimes
When data is no longer needed, we may delete, anonymize, or securely destroy it, depending on the purpose.
5. Third-Party Services
Our mobile app may integrate with services from third parties, such as:
Payment APIs
Authentication providers
Data analytics platforms
These services are governed by their own privacy policies and terms. We are not responsible for any third-party services, nor do we control or endorse them. Your interactions with these services are at your own discretion and risk.
6. Required Permissions
Our app requests the following permissions for optimal functionality:
Location Access: To detect nearby ATMs
Network Access: To connect to the internet and assess connectivity
Camera Access: To scan QR codes for payments and banking services
Storage Access: To save and access downloaded PDF account statements
Notification Access: To receive important updates and alerts
7. User Registration & Account Access
Users can register using their mobile number to access accounts linked to that number. We securely collect and verify personal information in compliance with banking regulations.
8. Payment and Transactions
Our app supports a range of financial services, including:
Fund transfers
Mobile recharges
Bill payments
Insurance payments
All transactions require secure banking details and are processed with industry-standard security protocols to protect your financial information.
9. Firebase Integration
We utilize Firebase to notify users of available app updates. This ensures you receive timely information and improvements securely.
10. Data Protection
We are committed to the confidentiality, integrity, and security of your data. All sensitive information exchanged through the app is encrypted using secure protocols. No personal data is exposed unnecessarily.
11. Children’s Privacy
Our services are not intended for children under 13 years of age. We do not knowingly collect data from children. If we learn that a child has provided personal information, we will delete it promptly. Parents or guardians may contact us if they become aware of such data being submitted.
12. Updates to This Policy
We reserve the right to revise this privacy policy at any time. Changes will be reflected with an updated date. We encourage users to check this page regularly to stay informed about how their data is protected.
13. Acceptance of Terms
By using our mobile application, you consent to the practices outlined in this policy. Continued use of the app following updates constitutes acceptance of the revised policy.
14. Contact Information
For questions or concerns about this Privacy Policy or our data practices, please contact us at:
📧 Email: jansahkarcreditcoopso@gmail.com