Privacy Policy
This Mobile Banking Application (“App”) is provided by The Ammunition Factory Cooperative Credit Society Ltd., Khadki (“we”, “our”, “us”).
This Privacy Policy explains how we collect, use, store, and protect your information when you use our services. By installing or using this App, you agree to the practices described in this policy.
1. Information We Collect
Personal Information
Personal Information refers to data that identifies you directly or indirectly, including:
Name
Mobile number
Email address
Account details
Contact information
This information is collected during registration and while using banking services.
Profile Photo
The App may request permission to upload a profile photo.
This photo is used only for identification, personalization, and improving user experience and is securely stored on our servers.
Location Information
The App may collect location data when required for location-based services such as finding nearby ATMs. Location data is collected only when the feature is actively used.
Anonymous / Technical Information
We may collect non-identifiable data such as:
Device information
Browser type
IP address
Usage statistics
Aggregated analytics data
This information helps improve the App’s performance and security.
2. How We Use Your Information
We use collected data to:
Provide banking and financial services
Authenticate users and protect accounts
Enable transactions and account access
Personalize user experience
Send transaction alerts and service notifications
Improve products and services
Prevent fraud and ensure security compliance
3. Security of Your Data
We implement industry-standard security practices:
Data encryption using HTTPS protocols
Encrypted storage of login PIN and transaction PIN
Secure authentication and authorization
Protection against unauthorized access
Sensitive financial data is never publicly exposed. Users only see personalized account-specific information generated securely.
4. Data Retention
We retain personal data only as long as necessary for:
Providing services
Legal and regulatory compliance
Fraud prevention
Dispute resolution
After this period, the data is deleted or anonymized securely.
5. Third-Party Services
The App may use third-party providers such as:
Payment gateways
Authentication services
Analytics providers
App infrastructure services
These providers operate under their own privacy policies. We are not responsible for their practices, and users should review their policies separately.
6. App Permissions and Their Purpose
Permission
Purpose
Internet & Network State
Enables online banking services
Location
Find nearby ATMs
Camera
Scan QR codes for payments
Storage
Download and view PDF statements
Notifications
Send transaction alerts and updates
Permissions are used only for stated functionality and never for unrelated purposes.
7. Registration and Transactions
Users register using their mobile number to access linked accounts.
For payments (fund transfer, recharge, bill payment, etc.), necessary banking authentication is required. All transactions are secured using standard banking security protocols.
8. Firebase Usage
The App uses Firebase services only to send application update notifications and service alerts. Firebase processes data securely according to its own privacy standards.
9. Children’s Privacy
This App is not intended for children under the age of 13.
We do not knowingly collect data from children. If such data is discovered, it will be deleted immediately.
10. Changes to This Policy
We may update this Privacy Policy periodically.
Users are advised to review it regularly. Continued use of the App after updates means you accept the revised policy.
11. Your Consent
By using this App, you consent to the collection and use of information as described in this Privacy Policy.
12. Contact Us
If you have any questions regarding this Privacy Policy, please contact:
Email: ammunitionfccs@gmail.com