Privacy Policy
Privacy Policy
Karad Co-Op. Credit Society Ltd. is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal information through our mobile application. By using our app, you agree to the terms outlined in this policy.
Personal Data:
Personal information that can identify you directly or indirectly, such as your name, mobile number, email address, telephone number, and any other data submitted via registration forms.
Profile Photo/Image:
Used to personalize your profile within the app. We collect and store this data only with your explicit consent.
Anonymous Information:
Non-identifiable information like browser type, IP address, device data, and aggregated usage statistics, used for analytics and improving user experience.
Location Data:
Collected when location-based features are used, such as locating nearby ATMs. This data is only accessed with your permission.
We use your personal data to:
Provide and improve app functionality and services.
Authenticate and authorize account access using secure login and transaction PINs.
Display personalized content and services.
Enhance app security and detect potential fraud.
We use your profile image for user identification and interface personalization. Your contact details may be used to:
Send important service updates and notifications.
Improve our products and services.
All sensitive data is encrypted during transmission and storage using industry-standard cryptography (e.g., HTTPS).
Login credentials and PINs are securely generated and stored in encrypted form.
We do not display sensitive personal information such as full names or account numbers unnecessarily.
We retain personal data only as long as necessary:
To provide services and manage user accounts.
To comply with legal or regulatory obligations.
For legitimate business needs such as fraud prevention and handling user queries.
Data that is no longer needed may be securely deleted, anonymized, or destroyed.
Our app may use third-party services such as payment gateways, analytics tools, and authentication providers.
Please note:
Each third-party service is governed by its own privacy policy and terms.
We are not responsible for any actions, content, or data handling by these third parties.
You are advised to review their policies before using their services.
To function optimally, the app requests the following permissions:
Location (MAPS_RECEIVE, READ_GSERVICES): To detect nearby ATMs.
Internet (INTERNET, ACCESS_NETWORK_STATE): For network connectivity and online services.
Camera (CAMERA, autofocus): To scan QR codes for payments.
Storage (READ/WRITE_EXTERNAL_STORAGE): To download and view PDF account statements.
Notifications (POST_NOTIFICATIONS): For transaction alerts, updates, and offers.
Users must register using their mobile number and provide necessary personal details in compliance with banking regulations. Secure verification ensures only authorized access to your account.
We offer various banking services including:
Fund transfers
Bill payments
Mobile recharges
Insurance payments
All transactions are securely processed using standard banking protocols.
We use Firebase to send timely app update notifications. Firebase ensures secure message delivery and efficient communication.
Our services are not intended for users under the age of 13. We do not knowingly collect personal data from children. If we become aware of such data being provided, we will delete it immediately. Parents or guardians may contact us for necessary actions.
We reserve the right to update this Privacy Policy at any time. Changes will be reflected with a revised date. Users are encouraged to review the policy periodically to stay informed.
By using this app, you acknowledge and accept this Privacy Policy. Continued use after updates constitutes acceptance of the revised terms. If you do not agree with our policies, please discontinue use of the app.
For questions or concerns regarding this Privacy Policy or your personal data, please contact:
📧 Email: karadkoparkhirne@gmail.comÂ