Privacy Policy
Privacy Policy
Mobile App provided by:
Pen Prathamik Shikshak Sahakari Patpedhi Ltd
This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application. Please read this policy carefully. By accessing and using our services, you agree to the collection and use of your information as described in this Privacy Policy.
"Personal Data" refers to information that identifies an individual, either directly or indirectly. This includes information you provide during registration or while using our app. Examples include your name, mobile number, email address, and contact details.
"Profile Photo/Image" refers to the picture or image uploaded by users to personalize their profile. This information is collected with your consent and securely stored on our backend systems.
"Anonymous Information" refers to data that cannot reasonably be used to identify a specific individual, such as browser type, IP address, or general demographic information. This may also include aggregated or de-identified data used for analytics.
"Location Information" refers to data collected from your mobile device that identifies your physical location, used only when you request location-based services (e.g., finding nearby ATMs).
We handle all personal and sensitive user data securely and transmit it using encryption technologies such as HTTPS.
Login PINs and transaction PINs are generated and stored in encrypted form for authentication and authorization.
Sensitive data (e.g., names, account numbers, personal identifiers) is not exposed to unauthorized parties.
Personalized account information is displayed securely and uniquely for each user.
We use your personal data to:
Provide and manage services requested by you.
Identify users and personalize their experience within the app.
Send important notifications, service updates, and promotional messages (if opted in).
Improve our products, features, and user experience.
Your profile photo/image is used only for identification and personalization purposes.
We retain personal data for as long as necessary to:
Manage your account and provide services.
Resolve disputes or address user concerns.
Comply with legal, regulatory, or audit requirements.
Prevent fraud and respond to regulatory authorities.
If data is no longer required for these purposes, it will be securely deleted, destroyed, or anonymized.
Our app may integrate with or use Third-Party Services, such as payment gateways, authentication providers, app deployment platforms, and data analytics tools.
By using our app, you acknowledge that:
Each third-party service has its own privacy policy and terms of use.
We do not control or endorse these third parties.
Your interactions and data shared with them are solely between you and the respective provider.
We are not responsible for any losses or damages resulting from the use of such services.
We reserve the right to modify, integrate, or remove third-party services at any time without prior notice.
Location Access (MAPS_RECEIVE, READ_GSERVICES): To detect nearby bank ATMs using map and location services.
Internet Access (INTERNET, ACCESS_NETWORK_STATE): To enable online transactions and ensure smooth app functionality.
Camera Access (CAMERA, AUTOFUCUS): To scan QR codes for payments and banking-related operations.
Storage Access (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): To download, store, and view PDF statements.
Push Notifications (POST_NOTIFICATIONS): To send important alerts, updates, and offers (optional).
Users can register with their mobile number to access their associated accounts.
During registration, necessary personal information is collected as per banking regulations.
All user data and identity verification processes are carried out securely to ensure account protection.
The app supports services such as:
Fund transfers
Mobile recharges
Bill and insurance payments
All transactions are performed securely using industry-standard encryption and authentication protocols to safeguard your financial information.
We use Firebase to deliver important app updates and notifications. Firebase handles all data securely in compliance with standard privacy and security practices.
We are committed to maintaining the confidentiality, integrity, and security of your data.
All sensitive information is encrypted during transmission.
Unauthorized access, disclosure, alteration, or destruction of data is strictly prevented.
Personalized content is generated dynamically without exposing personal details.
Our services are not intended for children under 13 years of age.
We do not knowingly collect personal data from minors.
If we discover that a child under 13 has provided personal information, it will be deleted immediately.
Parents or guardians who become aware of such an instance should contact us for necessary action.
We may update this Privacy Policy from time to time.
The updated date will appear at the bottom of this page.
Users are encouraged to review the policy periodically to stay informed about how we protect your information.
Continued use of the app after changes are posted will be deemed acceptance of the revised policy.
By using this app, you acknowledge and accept this Privacy Policy.
If you do not agree with any part of it, please discontinue use of the app.
Continued use after any modifications indicates your acceptance of those changes.
If you have any questions or concerns regarding this Privacy Policy or the practices of this app, please contact us at:
📧 Email: penprathamikshikshakpatpedhi@gmail.com