Privacy Policy
Mahaganpati Multistate Co-Op Credit Society Mobile Application
Mahaganpati Multistate Co-Op Credit Society (“Society”, “we”, “our”, or “us”) provides this Mobile Application to deliver banking and financial services to its members and users. This Privacy Policy explains how we collect, use, store, and protect your information. By accessing or using the App, you agree to the practices described in this Policy.
1. Information We Collect
a. Personal Data
Personal Data refers to information that can identify you directly or indirectly, including:
Name
Mobile number
Email address
Contact details
Account-related information provided during registration
b. Profile Photo/Image
With your permission, we collect and store your profile photo to help personalize your profile and enhance identification within the App.
c. Anonymous Information
We may collect non-identifiable information such as browser type, IP address, device information, demographic data, usage patterns, and aggregated statistics.
d. Location Information
With your consent, the App may collect location data from your device when you use services that depend on your physical location (such as ATM locator features).
2. How We Handle and Secure Data
All sensitive data is transmitted securely using encryption protocols such as HTTPS.
Login PIN and Transaction PIN are generated and stored in encrypted form for authentication and authorization.
We implement strong security measures to prevent unauthorized access, alteration, or disclosure of user information.
Users see only their own personalized data generated dynamically within the App.
3. Use of Personal Information
We use your information to:
Provide banking and financial services requested by you
Verify your identity and manage your account
Personalize user experience
Improve our products and services
Send service updates, notifications, and alerts
Comply with legal and regulatory requirements
Detect and prevent fraud or financial crime
4. Data Retention
We retain your Personal Data only as long as necessary to provide services, resolve disputes, meet legal obligations, prevent fraud, and enforce our agreements. When no longer required, data may be deleted, destroyed, or anonymized.
5. Third-Party Services
The App may use third-party services such as payment gateways, authentication providers, hosting services, analytics, and deployment services.
These third parties operate under their own privacy policies.
We do not control or take responsibility for third-party services.
Your interaction with such services is at your own risk.
6. App Permissions
The App may request the following permissions:
Permission
Purpose
Location Services
To help locate nearby bank ATMs
Internet Access
To provide online banking services
Camera
To scan QR codes for payments and transactions
Storage Access
To download and store PDF account statements
Notifications
To send transaction alerts and service updates
Users can control permissions through device settings.
7. User Registration & Account Access
Users register using their mobile number to access their accounts. Identity verification and authentication measures are implemented to ensure secure access.
8. Payment & Transactions
The App supports fund transfers, bill payments, mobile recharges, insurance payments, and other services. Industry-standard security protocols protect all financial transactions.
9. Firebase Services
We use Firebase to send app update notifications. Firebase processes data securely in accordance with its privacy standards.
10. Data Security
We employ technical and organizational safeguards to protect your data against unauthorized access, misuse, or disclosure. All sensitive communication between the App and servers is encrypted.
11. Children’s Privacy
The App is not intended for children under 13 years of age. We do not knowingly collect data from children. If such information is discovered, it will be deleted promptly.
12. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted in the App with the revised date. Continued use of the App after changes indicates acceptance of the revised Policy.
13. Your Acceptance
By using this App, you agree to this Privacy Policy. If you do not agree, please discontinue use of the App.
14. Contact Us
For any questions regarding this Privacy Policy, please contact:
Email: mahaganpati36@gmail.com