Privacy Policy
Privacy Policy
Purna Urban Co-Op Credit (“we”, “us”, or “our”) is committed to safeguarding your personal data. This Privacy Policy outlines how we collect, use, store, and protect your information when you use our mobile application. By accessing or using our services, you agree to the practices described in this policy. Please read it carefully.
a. Personal Data
“Personal Data” refers to information that can directly or indirectly identify you. This includes, but is not limited to:
Full Name
Mobile Number
Email Address
Telephone Number
Profile Photo/Image (used for personalization and stored securely with user consent)
b. Anonymous Data
We also collect data that cannot identify you individually, such as:
Browser type
IP address
Device information
Demographics
Aggregated or de-identified information
c. Location Information
With your permission, we collect location data via your device’s location services to support features such as ATM detection and location-based services.
We use your information for the following purposes:
To deliver requested services (e.g., account access, transactions)
To personalize your app experience (e.g., profile images)
For internal improvements, analytics, and updates
To send alerts, notifications, and promotional messages
We prioritize the protection of your data through:
Secure encryption (HTTPS and modern cryptographic protocols)
Encrypted storage of login and transaction PINs
Protection against unauthorized access or data exposure
Display of only necessary personalized content within the app
Your personal information is retained:
As long as necessary to provide services and support
To comply with legal or regulatory requirements
For fraud prevention, legal claims, or customer service
We may delete or anonymize your data if it’s no longer needed for the above purposes.
The App may integrate with external services such as payment providers, analytics platforms, and authentication tools. Please note:
These services operate under their own privacy policies and terms
We are not responsible for the practices of third-party providers
You interact with them at your own discretion and risk
To function properly, the App may request the following permissions:
Location Access: To find nearby bank ATMs
Network Access: To provide internet-based services
Camera Access: For scanning QR codes
Storage Access: To download and view PDF account statements
Notifications: To send transaction alerts and app updates
All permissions are requested explicitly and are used solely for enhancing the app experience.
Users can register using their mobile number to retrieve associated accounts. We securely verify your identity in compliance with applicable banking regulations.
We offer services such as:
Fund transfers
Mobile and utility payments
Insurance premium payments
All financial transactions are encrypted and secured using industry-standard protocols to ensure the confidentiality of your banking information.
We use Firebase to:
Send app update notifications
Ensure timely and secure delivery of alerts
This App is not intended for children under the age of 13. We do not knowingly collect personal data from minors. If such information is discovered, it will be promptly deleted. Parents or guardians may contact us for further assistance.
We may update this Privacy Policy from time to time. Any changes will be reflected by the revised date at the top. Users are encouraged to review this policy regularly to stay informed.
By using the App, you confirm your acceptance of this Privacy Policy. Continued use after any updates constitutes your agreement to the revised policy. If you disagree with any part, please discontinue use of the App.
If you have any questions or concerns about this Privacy Policy or how we handle your information, feel free to contact us at:
Email: purnaurbanambedkarchawk@gmail.com