Privacy Policy

Privacy Policy

Sawali Urban Co-Op Credit Society Ltd.

This mobile application is developed and maintained by Sawali Urban Co-Op Credit Society Ltd. By using this application, you agree to the terms outlined in this Privacy Policy regarding the collection, use, and protection of your information.

1. Data We Collect

We may collect the following types of data:

• Personal Information: Name, mobile number, email address, profile photo, and location (if permission granted)
  
  

• Technical Information: IP address, device type, operating system, and app usage behavior
  
  

• Financial Information: Account details, transaction history, and loan activity
  
  

2. Why We Collect This Data

We use your data to:

• Register and verify member accounts
  
  

• Provide core services like savings, loans, and transactions
  
  

• Send service updates, statements, and alerts
  
  

• Improve app functionality and performance
  
  

• Fulfill legal, auditing, and compliance requirements
  
  

3. Security Measures

We ensure that your data is protected through:

• HTTPS-based secure communication
  
  

• Encrypted storage of sensitive data
  
  

• OTP or password-based user authentication
  
  

• Access control limited to authorized personnel
  
  

4. Data Retention

Your data is retained:

• Only for the period necessary for service delivery or regulatory needs
  
  

• Once unnecessary, it is permanently deleted or anonymized
  
  

5. Third-Party Services

We may use trusted third-party tools including:

• Firebase for push notifications
  
  

• Payment gateways for secure financial processing
  
  

• Analytics services to monitor app performance
  By using our app, you consent to their privacy policies.

6. App Permissions

Our app may request the following permissions:

• Location: To locate nearby branches or agents
  
  

• Camera: For scanning documents or QR codes
  
  

• Storage: For saving/viewing receipts and reports
  
  

• Internet: For accessing real-time services
  
  

• Notifications: For sending alerts and updates

7. Children’s Privacy

We do not knowingly collect data from children under the age of 13. If such data is discovered, it will be deleted promptly.

8. Policy Updates

This Privacy Policy may be revised occasionally. Updates will be published in the app, and continued use implies acceptance of the new terms.

9. Contact Us

📧 sawaliurban2019@gmail.com