Privacy Policy
Privacy Policy
The Mobile App is provided by Shreeji Co. Op. Credit Society. This Privacy Policy outlines how we collect, use, store, and protect your personal data. Please read this policy carefully. By accessing or using the services provided by Shreeji Co. Op. Credit Society, you consent to the collection and use of your information as described in this Privacy Policy.
“Personal Data” refers to information that identifies you directly or indirectly. Examples include your name, mobile number, email address, and telephone number, as provided during registration or account setup.
“Profile Photo/Image” refers to the image data you voluntarily upload to personalize your profile within the App. This data is collected only with your permission and securely stored on our backend systems.
“Anonymous Information” means non-identifiable data, such as your browser type, IP address, demographic details, and data collected through cookies or analytics tools. This information cannot reasonably be used to identify you personally.
“Location Information” refers to geographic data collected from your mobile device’s location services when you use app features that require your physical location.
All personal and sensitive user data is stored and transmitted securely in encrypted form using modern cryptographic standards such as HTTPS.
Login PINs and Transaction PINs are generated and stored in encrypted format for authentication and authorization purposes.
We ensure that sensitive data, such as names, account numbers, and personal identifiers, are never exposed to unauthorized users.
Personalized content displayed within the App is dynamically generated to protect your privacy and ensure secure access.
Your personal data may be used for the following purposes:
To provide and manage services requested by you.
To identify users and enhance their experience through profile photo usage.
To improve our products, services, and user experience.
To send important service-related notifications, product updates, and promotional messages.
We retain your personal data for as long as necessary to:
Provide you with our services.
Comply with legal and regulatory requirements.
Resolve disputes or respond to queries, complaints, and fraud investigations.
When data is no longer needed for these purposes, it is securely deleted, destroyed, or anonymized.
Our Mobile App may integrate or communicate with third-party services such as payment gateways, authentication providers, app deployment tools, and analytics systems.
By using the App, you agree that:
Third-party services are governed by their own privacy policies and terms.
Shreeji Co. Op. Credit Society does not control or endorse third-party services and is not liable for any loss or damages resulting from their use.
Any information you share with third-party providers is managed directly between you and that provider.
We may add, modify, or remove third-party integrations at any time without prior notice.
Your use of these services is at your own discretion, and you agree to indemnify and hold us harmless from any liabilities arising from your use of third-party services.
1. Detect Bank ATMs (MAPS_RECEIVE, READ_GSERVICES)
Used to identify nearby ATMs using map and location services for user convenience.
2. Internet Connection (INTERNET, ACCESS_NETWORK_STATE)
Required to access the internet, verify connectivity, and enable secure online transactions.
3. QR Code Scanning (CAMERA, autofocus)
Allows the app to scan QR codes for payments and other banking operations.
4. PDF Downloads (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE)
Used to download and store PDF account statements securely on your device.
5. Push Notifications (POST_NOTIFICATIONS)
Used to send important alerts, transaction updates, and promotional offers. Users may opt in or out at any time.
Users can register via their mobile number to link their accounts. During registration, users must provide the necessary personal details as required under banking regulations. The app securely authenticates and verifies user identities to ensure account safety.
The App supports secure financial services including fund transfers, bill payments, recharges, and insurance payments.
All transactions are conducted using industry-standard encryption and authentication mechanisms to safeguard user data and prevent unauthorized access.
The App uses Firebase services to send secure notifications and app update alerts. Firebase processes this data in compliance with Google’s security and privacy standards.
We are committed to maintaining the confidentiality, integrity, and security of user information.
All sensitive communication between the App and its servers is encrypted.
We do not display or expose private data such as names or account numbers publicly. Personalized content is securely and dynamically generated.
Our services are not intended for children under 13 years of age.
We do not knowingly collect personal data from children. If we discover that a child has provided personal information, we promptly delete it.
Parents or guardians who believe their child has shared such information are encouraged to contact us for immediate action.
We may update this Privacy Policy from time to time.
When changes are made, the last updated date will be revised accordingly.
We encourage users to review this policy periodically to stay informed about how we protect your information.
Your continued use of the App after updates signifies your acceptance of the revised policy.
By using this App, you confirm that you have read, understood, and agree to this Privacy Policy.
If you do not agree with any part of this policy, please discontinue use of the App.
If you have any questions or concerns about this Privacy Policy or the App’s practices, please contact us at:
📧 bmcjshreeji@gmail.com