Privacy Policy

Shri Ramakrishna Urban Cooperative Credit Society Ltd Mobile App

Shri Ramakrishna Urban Cooperative Credit Society Ltd (“Society”, “we”, “our”, or “us”) values the privacy and security of its members. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Mobile Application (“App”).

By downloading, accessing, or using the App, you agree to the practices described in this Privacy Policy. If you do not agree, please refrain from using the App.

1. Information We Collect

When you use our App, we may collect the following types of information:

1. Personal Information

   • Name, Member ID, Account details, Contact number, Email ID, Address, Date of Birth, Aadhaar/PAN (where applicable).
     
     

2. Device & Usage Information

   • Device type, operating system, IP address, mobile network, location (if enabled), and App usage statistics.
     
     

3. Transactional Information

   • Deposits, withdrawals, loan details, fund transfers, payment history, and other transactions performed via the App.
     
     

4. Permissions (with user consent)

   • Access to SMS (for OTP verification), camera (for KYC/cheque uploads), contacts (for beneficiary addition), and notifications (for alerts).

2. How We Use Your Information

Your information is collected and used for:

• Facilitating secure banking and financial services.

• Member authentication and identity verification (KYC/AML compliance).

• Processing transactions and providing account-related services.

• Sending alerts, notifications, and service updates.

• Improving our App functionality, security, and member experience.

• Compliance with legal and regulatory requirements.

3. Sharing of Information

We do not sell or rent your personal data. However, information may be shared with:

• Regulatory and statutory authorities (RBI, auditors, law enforcement) as required by law.

• Technology partners and service providers strictly for providing App-related services (e.g., SMS gateway, payment processors).

• Internal departments for legitimate business and compliance purposes.

All third-party partners are bound by confidentiality and data protection obligations.

4. Data Security

We adopt industry-standard practices to safeguard your information, including:

• Encryption of sensitive data and transactions.

• Multi-factor authentication and secure login methods.

• Regular security monitoring and audits.

Despite our best efforts, no method of electronic transmission is 100% secure. Members are advised to keep their login credentials confidential.

5. Data Retention

We retain your information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

6. Your Rights

You have the right to:

• Access and review your personal information.

• Request correction or updation of inaccurate details.

• Withdraw consent for optional services.

• Request deletion of personal data (subject to regulatory retention requirements).

7. Third-Party Links & Services

Our App may contain links to third-party websites or services. We are not responsible for their privacy practices, and we encourage you to read their policies.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The revised version will be posted within the App, with the “Last Updated” date reflecting changes. Continued use of the App after changes implies your acceptance.

9. Contact Us

For any queries, concerns, or requests related to your data or this Privacy Policy, you may contact us at:

Shri Ramakrishna Urban Cooperative Credit Society Ltd
✉️ Email: ramkrishnaurban@gmail.com