Privacy Policy
Privacy Policy
This Mobile Application ("App") is provided by Sharada Nagari Sahakari Patsanstha Maryadit, Sangamner ("we", "our", "us"). This Privacy Policy explains how we collect, use, store, and protect your information when you use our App.
By accessing or using the App and its services, you agree to the collection and use of your information in accordance with this Privacy Policy. We request you to read this Privacy Policy carefully.
"Personal Data" refers to information that identifies or can reasonably be linked to an individual, either directly or indirectly. This may include, but is not limited to, your name, mobile number, email address, telephone number, and other information provided during registration or use of the App.
"Profile Photo/Image" refers to the image uploaded by users to personalize and manage their profile. This data is collected only with user consent and is securely stored on our backend systems.
"Anonymous Information" means data that does not identify a specific individual. This may include browser details, IP address, device information, demographic data, usage statistics, and aggregated or de-identified information collected through tracking technologies.
"Location Information" refers to information that identifies your physical location. This may be collected through your mobile device’s location-enabled features when you access location-based services within the App.
We are committed to safeguarding your personal and sensitive information. Our security practices include:
Secure handling of all personal and sensitive data using encryption.
Encrypted transmission of data using modern security protocols such as HTTPS.
Secure generation and storage of login PINs and transaction PINs in encrypted form for authentication and authorization.
Ensuring that sensitive information such as names, account numbers, and personal identifiers are not exposed.
Providing users with dynamically generated, personalized content relevant only to their accounts.
We use your personal information for the following purposes:
To provide and manage the services requested by you.
To authenticate users and ensure secure access to accounts.
To use profile photos/images for identification, personalization, and enhancing user experience.
To use contact information internally for:
Improving our products and services
Sending service-related notifications and updates
We retain your Personal Data only for as long as necessary to:
Provide and manage our services
Maintain your account
Address user queries, complaints, or disputes
Comply with legal, regulatory, or statutory requirements
Establish, exercise, or defend legal claims
Where data is no longer required, we securely delete, destroy, or anonymize it in a timely manner.
The App may integrate with third-party services such as payment service providers, authentication services, app deployment platforms, and analytics providers ("Third-Party Services"). By using the App, you acknowledge that:
Third-Party Services operate under their own terms and privacy policies, which are independent of this Privacy Policy.
We do not control, manage, or endorse Third-Party Services and are not responsible for their actions or policies.
Any personal information or payment details shared with Third-Party Services are provided directly by you to the respective provider.
We shall not be liable for any loss, damage, or dispute arising from your use of Third-Party Services.
We reserve the right to add, modify, or remove Third-Party Services at any time without prior notice.
Your use of Third-Party Services is at your own risk, and you agree to indemnify and hold us harmless against any claims arising from such use.
The App may request the following permissions to ensure proper functionality:
ATM Detection (MAPS_RECEIVE, READ_GSERVICES): Used to detect nearby bank ATMs and provide location-based services.
Internet & Network State (INTERNET, ACCESS_NETWORK_STATE): Required to access online banking services and monitor network connectivity.
QR Code Scanning (CAMERA, autofocus): Enables scanning of QR codes for payments and other banking services.
Download PDF Statements (READ_EXTERNAL_STORAGE, WRITE_EXTERNAL_STORAGE): Allows users to download and store account statements on their devices.
Push Notifications (POST_NOTIFICATIONS): Used to send transaction alerts, service updates, and important notifications. Users may choose to enable or disable notifications.
Users can register using their mobile number to access accounts linked to that number. Registration requires submission of necessary personal information in accordance with applicable banking regulations. User identities are securely verified to protect account access and prevent unauthorized use.
The App supports various services such as fund transfers, bill payments, mobile recharges, insurance payments, and other financial transactions. To process these transactions securely:
Necessary banking and authentication details are collected.
Industry-standard security protocols are followed.
Financial data is encrypted during transmission and processing.
The App uses Firebase services to send application update alerts and notifications. Firebase processes this data securely to ensure timely and reliable communication with users.
We implement robust technical and organizational safeguards to protect your data from unauthorized access, misuse, disclosure, alteration, or destruction. Sensitive information is never displayed openly, and users only see personalized, non-repetitive content related to their own accounts.
The App is not intended for use by individuals under the age of 13. We do not knowingly collect personal information from children under 13. If such information is discovered, it is promptly deleted. Parents or guardians who believe their child has provided personal information may contact us for appropriate action.
We reserve the right to update this Privacy Policy at any time. Any changes will be reflected by updating the revision date at the bottom of this page. Users are encouraged to review this policy periodically to stay informed.
By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree, please discontinue use of the App. Continued use following updates constitutes acceptance of the revised policy.
If you have any questions or concerns regarding this Privacy Policy or the App, please contact us at:
Email: sharadansp@gmail.com