Privacy Policy for Selvanathan ChitFund
Last Updated: December 15, 2025
Selvanathan ChitFund (“we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application (“Selvanathan ChitFund App”) or when you interact with us through support, events, or communications.
If you have any questions, please contact us at: sgsapp20@gmail.com
🔑 Summary of Key Points
What personal data do we collect?
We collect basic personal information (name, contact details), KYC information (if voluntarily provided), device information, and transaction details needed to provide safe chit fund services.
Do we process sensitive data?
No. We do not collect sensitive biometric data or store financial credentials like UPI PINs or card numbers.
Do we collect third-party data?
We may receive data from UPI apps and analytics services to improve app functionality and performance.
Why do we collect your data?
To register your account, verify your identity, process payments, secure your account, and comply with legal chit fund regulations.
Do we share your data?
Only when required for app functionality (e.g., KYC verification, UPI processing) or when required by law.
How do we protect your data?
We use encryption, secure APIs, and restricted access controls. However, no system is 100% secure.
📋 Information We Collect
1. Personal Information You Provide
When you use our app, you may provide:
Name
Mobile number
Email address
Address (if entered manually)
KYC documents (Aadhaar, PAN — only if you upload them voluntarily)
Contact preferences
Guest Mode:
When using Guest Mode, we do not collect any personal information. You can browse without logging in.
2. Transaction & UPI Payment Data
When completing payments via UPI apps (Google Pay, PhonePe, Paytm, etc.):
We receive payment status (success/failure)
We never collect or store UPI PINs, card numbers, or passwords
Callback URLs such as myapp://upi are used only to confirm transaction status.
3. Device and App Usage Data
Automatically collected to maintain performance and security:
Device type and model
Android version
Device ID (non-restricted)
IP address
Mobile network info
Crash logs and analytics
App feature usage
📱 Permissions We Request and Why
1. Location (Fine, Coarse, Background)
Used for:
Preventing fraudulent transactions
Branch or service area verification
We do not track your location continuously.
2. Contacts (READ_CONTACTS)
Used only to:
Display names for selected UPI beneficiaries
Auto-fill phone numbers you choose
We never upload or store your contacts.
3. SMS Permissions (RECEIVE_SMS, READ_SMS, SEND_SMS)
Used only for:
Auto-reading OTP to make login easier
Sending SMS only when triggered by your action
We do not read personal messages.
4. Camera
Used for:
KYC document capture
Payment proof uploads
5. Storage / Photos
Used for:
Saving chit receipts or downloaded PDFs
Uploading documents voluntarily
6. Internet & Network State
Required for:
App connectivity
Fetching chit details
Payment processing
You may manage or revoke permissions anytime in device settings.
⚙️ How We Use Your Information
We use the collected information to:
Create and manage your account
Verify identity and perform KYC (if submitted)
Process payments securely
Provide customer support
Send reminders, alerts, and notifications
Improve app performance and resolve bugs
Comply with legal and regulatory requirements
We do not sell your information.
🤝 When Do We Share Your Information?
We may share your data only with:
KYC verification partners (if you submit documents)
UPI apps (for payment handling)
Cloud hosting providers
Analytics and crash-reporting services
Law enforcement, only when legally required
We do not sell, rent, or trade your data.
🔐 How We Keep Your Information Safe
We protect your information through:
Encrypted communication (HTTPS)
Secured and authenticated APIs
Limited-access storage systems
Although we try our best, no digital system can be guaranteed fully secure.
🧾 Your Rights
Depending on your location, you may:
Access the personal data we hold
Request corrections
Request account deletion
Withdraw previously granted permissions
To request these changes, email: sgsapp20@gmail.com
🚫 Do Not Track (DNT)
Our app does not respond to DNT signals because mobile apps do not support browser-based DNT mechanisms.
🔄 Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Significant updates will be notified through the App or email.
Last updated: December 15, 2025
📩 Contact Us
If you have questions, suggestions, or data-related requests, contact:
Email: sgsapp20@gmail.com
App Name: Selvanathan ChitFund