Privacy Policy
Privacy Policy
The Mobile Application is provided by SHANTISHWAR MULTISTATE CO-OPERATIVE CREDIT SOCIETY LTD. This Privacy Policy explains how we collect, use, store, and protect your information. We request you to read it carefully. By accessing or using the services offered through this Mobile App, you consent to the collection and use of your data by SHANTISHWAR MULTISTATE CO-OPERATIVE CREDIT SOCIETY LTD in accordance with this Privacy Policy.
“Personal Data” refers to information that can identify an individual directly or indirectly. This includes, but is not limited to, your mobile number, name, email address, and telephone number as provided during registration.
“Profile Photo/Image” refers to images uploaded by users to personalize and manage their profile. Profile images are collected only with user permission and are stored securely in our backend system.
“Anonymous Information” refers to information that does not identify an individual. This may include browser type, IP address, demographic details, data collected through tracking technologies, and aggregated or de-identified information.
“Location Information” refers to information collected by mobile device location services when users request features dependent on physical location.
All personal and sensitive user data is securely stored and transmitted using modern cryptography protocols, including HTTPS.
Login PINs and transaction PINs are generated and stored in encrypted format for authentication and authorization.
Sensitive user information such as names and account numbers is not exposed publicly. Personalized account-related content is displayed securely and dynamically to users.
We use your information to:
Provide banking and financial services requested by you.
Display profile photos/images for user identification and enhanced user experience.
Improve our services and products.
Send notifications and updates related to account activity, transactions, and product enhancements.
We may retain your Personal Data for as long as necessary to:
Manage your account
Address inquiries, complaints, or service-related issues
Comply with legal or regulatory requirements
Prevent fraud and financial crime
Assist in resolving disputes or responding to authorities
When data is no longer required, it will be deleted, destroyed, or anonymized as appropriate.
This Mobile App may integrate with third-party services such as payment providers, authentication services, analytics partners, and deployment platforms.
By using the App, you acknowledge that:
Each third-party provider has its own terms and privacy policy.
We do not control or endorse third-party services and are not responsible for loss, damages, or liabilities arising from their use.
Sharing of information with such services occurs only when necessary to provide app functionality.
We reserve the right to add, modify, or remove third-party services at any time without notice.
Permission
Purpose
MAPS_RECEIVE, READ_GSERVICES
Locate nearby bank ATMs
INTERNET, ACCESS_NETWORK_STATE
Internet access and connectivity detection
CAMERA (autofocus)
QR code scanning for payments and services
WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE
Downloading and storing PDF statements
POST_NOTIFICATIONS
Sending alerts, updates, and notifications
Users can register with their mobile number to securely retrieve and access their existing accounts. Verification and authentication processes ensure account security and compliance with banking regulations.
The App provides secure financial services including fund transfers, bill payments, mobile recharges, insurance payments, and more. All transactions require mandatory authentication and are executed using industry-standard security protocols to protect financial data.
The App uses Firebase services solely for sending app update alerts. Firebase manages these notifications securely.
We are committed to safeguarding your information. Security measures include:
End-to-end encrypted data transmission
Restricted access to personal and financial information
Security monitoring and fraud-prevention protocols
Sensitive data such as account numbers and personal identifiers is never exposed to unauthorized users.
The App is not intended for children under 13 years of age. We do not knowingly collect information from children under 13. If such information is discovered, it will be removed immediately. Parents/guardians may contact us to request necessary action.
We may update this Privacy Policy at any time. The revised date will be displayed at the bottom of the policy. Continued use of the App after updates constitutes acceptance of the modifications.
By using this App, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree with the terms, please discontinue use of the App.
If you have questions regarding this Privacy Policy or the practices of this App, please contact:
📧 shantishwarms.it@gmail.com