Privacy Policy

This Mobile Application is provided by Shreeram Urban Co Op Credit Society Ltd Georai ("we", "our", or "us"). This Privacy Policy outlines how we collect, use, store, and protect your personal information when you use our mobile application (“App”). By accessing and using our services, you agree to the practices described in this Privacy Policy.

1. Personal Data We Collect
1.1 Personal Information
"Personal data" refers to any information that identifies you as an individual, either directly or indirectly. This includes but is not limited to: Name, Mobile number, Email address, Profile photo/image, Telephone number. We collect this data with your explicit consent during the registration or usage of the App.
1.2 Profile Photo/Image
Your profile image is collected to help personalize your user experience. This data is stored securely in our backend systems and accessed only with your permission.
1.3 Anonymous Information
Anonymous information refers to data that does not identify an individual, such as: Browser type, IP address, Device information, Demographic data, Aggregated or de-identified data.
1.4 Location Information
We may collect location data from your device to offer services that depend on your geographical location, such as locating nearby ATMs.

2. Handling of Data
All personal and sensitive data is transmitted and stored using modern cryptography and encryption standards (e.g., HTTPS). Login PIN and transaction PIN are generated and stored in encrypted form. Sensitive data such as account numbers or personal identifiers are not exposed to end users and are used only to generate personalized, secure content.

3. Use of Personal Information
We use your personal information to: Provide and improve our services, Authenticate and authorize user access, Display personalized content, Notify users about product updates and services. We use profile images for user identification and enhancing the in-app experience. Contact details may be used internally to communicate important updates and improve service delivery.

4. Retention of Data
We retain personal data as long as necessary to: Manage your account, Comply with legal or regulatory obligations, Respond to queries or complaints, Prevent fraud and financial crimes. When data is no longer needed, it may be securely deleted, anonymized, or destroyed.

5. Third-Party Services
Our App may integrate with third-party services including: Payment gateways, App deployment platforms, Authentication services, Analytics providers. Please note: These services are governed by their own terms and privacy policies. We are not responsible for any disputes or losses arising from third-party services. You interact with third-party services at your own risk. We may add, modify, or remove third-party integrations without prior notice.

6. Permissions Used

Location Access (MAPS_RECEIVE, READ_GSERVICES): To detect nearby ATMs.
Internet Access (INTERNET, ACCESS_NETWORK_STATE): To ensure connectivity and service access.
Camera (CAMERA, autofocus): To scan QR codes for transactions.
Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): To download and store PDF statements.
Notifications (POST_NOTIFICATIONS): To send updates, alerts, and promotional messages.

7. User Registration and Account Access
Users register using their mobile number. During registration, we collect necessary personal information as required by banking regulations and verify user identity securely.

8. Payment and Transaction Processing
We support: Fund transfers, Bill payments, Mobile recharges, Insurance payments. All transactions follow industry-standard security protocols to protect users' financial data.

9. Firebase Usage
We use Firebase services for: Sending update alerts, Managing push notifications. Firebase ensures secure communication of such alerts.

10. Data Security
We implement robust security measures to protect your data: Encrypted data exchange, Secure authentication, Restricted data access, Prevention of unauthorized disclosure or modification. Sensitive data is never exposed. Content is dynamically generated to maintain privacy.

11. Children’s Privacy
Our services are not intended for users under the age of 13. We do not knowingly collect personal data from children. If a child under 13 provides us with personal information, we will delete it immediately. Parents or guardians may contact us to address such concerns.

12. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected with an updated date at the bottom of the page. Users are encouraged to review this policy periodically to stay informed.

13. Acceptance of This Policy
By using this App, you agree to this Privacy Policy. If you do not agree, please do not use the App. Continued use of the App following any policy changes signifies acceptance of those changes.

14. Contact Us

If you have any questions regarding this Privacy Policy or our practices, please contact us at:

📧 Email: shreeramurban.georai@gmail.com

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