Privacy Policy

Welcome to the mobile application provided by K DIAMOND MULTI STATE CO-OPERATIVE CREDIT SOCIETY LTD, VIJAYAPURA we. This Privacy Policy outlines how we collect, use, and protect your personal data. By using our app and services, you agree to the practices described in this Privacy Policy. Please read it carefully.

1. Personal Data Collection

Personal Data refers to any information that can directly or indirectly identify an individual. This includes, but is not limited to:

• Full Name
  
  

• Mobile Number
  
  

• Email Address
  
  

• Profile Photo/Image (collected with your consent to personalize your profile)
  
  

• Telephone Number
  
  

Anonymous Data includes non-identifiable information such as your browser type, IP address, usage statistics, and location-based data (with your permission).

Location Information may be gathered through your device’s location services when you use location-dependent features such as ATM locators.

2. Data Handling and Security

We take your data privacy seriously and implement strong security measures, including encryption and secure transmission (e.g., HTTPS), to protect your personal information.

• Login and transaction PINs are securely encrypted.
  
  

• Sensitive user data (like names, account numbers) is never exposed.
  
  

• User-specific content is generated dynamically and securely.
  
  

3. Use of Personal Information

Your data may be used for the following purposes:

• To provide the services you request.
  
  

• To personalize your experience using your profile image and preferences.
  
  

• To send you updates, notifications, and service alerts.
  
  

• For internal analysis and product improvement.
  
  

4. Data Retention

We retain your personal data only as long as necessary to:

• Manage your account
  
  

• Comply with legal/regulatory requirements
  
  

• Address customer service issues
  
  

• Prevent fraud or respond to official inquiries
  
  

If data is no longer required, it will be deleted, anonymized, or destroyed securely.

5. Third-Party Services

Our app may integrate with third-party services (e.g., payment gateways, authentication, analytics). Please note:

• These services have their own privacy policies and terms.
  
  

• We are not responsible for the content or practices of third-party providers.
  
  

• Your interactions with third-party services are at your own risk.
  
  

6. Permissions Required

The app may request the following permissions to deliver full functionality:

• Location (MAPS_RECEIVE, READ_GSERVICES): To find nearby ATMs.
  
  

• Internet (INTERNET, ACCESS_NETWORK_STATE): For online banking features.
  
  

• Camera (CAMERA, autofocus): For QR code scanning.
  
  

• Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): To download and view PDF statements.
  
  

• Notifications (POST_NOTIFICATIONS): To send you alerts and promotional messages.
  
  

7. User Registration & Authentication

To use our services, users must register using their mobile number and provide required personal information. Identity verification is done securely to protect your account.

8. Payments & Transactions

The app supports multiple services like:

• Fund Transfers
  
  

• Bill Payments
  
  

• Mobile Recharges
  
  

• Insurance Payments
  
  

All transactions are processed securely using banking standards and authentication protocols.

9. Firebase Usage

Firebase is used to send important app update alerts. All communication through Firebase is secure and aimed at improving your app experience.

10. Data Security

We are committed to maintaining the confidentiality and security of your personal data through advanced security measures. Data transmitted between the app and our servers is encrypted to prevent unauthorized access.

11. Children's Privacy

This app is not intended for users under the age of 13. We do not knowingly collect data from children. If we become aware of such data being collected, it will be deleted promptly. Parents or guardians may contact us for assistance.

12. Changes to this Policy

We may update this Privacy Policy from time to time. When changes occur, the updated date will be posted. Continued use of the app after updates indicates your acceptance of the revised policy.

13. Acceptance of Terms

By using our app, you confirm your agreement to this Privacy Policy. If you do not agree, please do not use the app.

14. Contact Us

For questions or concerns regarding this policy or your personal data, please contact us at:
📧 kdiamondmultistatecreditsocity@gmail.com