Privacy Policy
Privacy Policy
The Mobile Banking Application ("App") is provided by Navyug Vikas Nagari Sahakari Patpedhi Ltd. This Privacy Policy explains how we collect, use, store, protect, and disclose your information when you use our mobile application.
By accessing or using this App, you agree to the collection and use of your information in accordance with this Privacy Policy.
We may collect personal information that identifies you directly or indirectly, including:
Full Name
Mobile Number
Email Address
Telephone Number
Customer Identification Details
Any other information required during account registration or while using our banking services
With your explicit permission, the App may collect your profile photo to help personalize your account and improve your user experience. Your profile image is securely stored on our backend servers.
We may collect anonymous or aggregated information that does not directly identify you, including:
Device information
Browser information
IP address
App usage statistics
Diagnostic information
Aggregated analytics data
The App may collect your device's location only when required for location-based services, such as locating nearby ATMs or enabling features that depend on your geographic location. Location access is requested only with your permission.
We use your information to:
Provide secure mobile banking services.
Verify and authenticate your identity.
Enable fund transfers and other financial transactions.
Personalize your banking experience.
Display and manage your profile photo.
Send important service notifications and application updates.
Improve application performance and user experience.
Detect and prevent fraud or unauthorized activities.
Meet legal and regulatory obligations.
Protecting your information is our highest priority.
We implement industry-standard security measures to safeguard your personal information, including:
Secure HTTPS encrypted communication.
Encryption of Login PIN and Transaction PIN.
Secure authentication and authorization mechanisms.
Protection against unauthorized access.
Secure backend infrastructure.
Sensitive information such as customer names, account numbers, and financial details is never unnecessarily exposed. Personalized information displayed within the App is dynamically generated only for the authenticated user.
We retain your personal information only for as long as necessary to:
Maintain your account.
Deliver banking services.
Resolve disputes and customer support requests.
Prevent fraud and financial crime.
Comply with legal and regulatory requirements.
Protect our legal rights.
When your information is no longer required, it is securely deleted or anonymized.
The App may integrate with trusted third-party service providers, including but not limited to:
Payment gateway providers
Authentication services
Firebase services
Analytics services
App deployment services
These providers maintain their own privacy policies and terms of service.
While we carefully select trusted partners, we do not control their privacy practices and are not responsible for their policies or actions. Users are encouraged to review the privacy policies of any third-party services they use through the App.
The App requests only the permissions necessary to provide its banking services.
Used to:
Locate nearby ATMs
Support location-based banking services
Required to:
Access secure online banking services
Verify network connectivity
Process transactions
Used only to:
Scan QR codes
Enable QR-based payments
Support banking-related scanning features
Used to:
Download account statements
Save PDF documents locally
Retrieve previously downloaded statements
Used to:
Deliver transaction alerts
Send security notifications
Notify users of application updates
Provide important banking announcements
Users may enable or disable notifications through their device settings.
Users may register using their mobile number to access banking services linked to their account.
During registration, users may be required to provide information necessary for identity verification and compliance with applicable banking regulations.
The App enables secure financial services including:
Fund Transfers
Mobile Recharge
Bill Payments
Insurance Payments
Other banking services offered by the society
All financial transactions are protected using industry-standard security technologies and encrypted communication.
The App uses Firebase services for:
App update notifications
Push notifications
Performance monitoring (where applicable)
Firebase processes information securely in accordance with Google's privacy and security standards.
We employ comprehensive technical and organizational security measures to protect your information from:
Unauthorized access
Disclosure
Modification
Loss
Misuse
Destruction
All sensitive communications between the App and our servers are encrypted using secure industry-standard protocols.
Our services are not intended for children under the age of 13.
We do not knowingly collect personal information from children under 13 years of age. If we become aware that such information has been collected, it will be deleted promptly.
Parents or guardians who believe their child has submitted personal information may contact us for assistance.
We may update this Privacy Policy from time to time.
Any changes will be published within the App or on the applicable privacy policy page. The revised policy becomes effective immediately upon publication unless otherwise stated.
Users are encouraged to review this Privacy Policy periodically to stay informed about how we protect their information.
By using this App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
If you do not agree with this Privacy Policy, please discontinue use of the App.
Continued use of the App following any updates to this Privacy Policy constitutes acceptance of those changes.
If you have any questions, concerns, or requests regarding this Privacy Policy or the App's privacy practices, please contact us:
Email: navyugho@gmail.com