Privacy Policy
Privacy Policy
Privacy Policy – The Royal Co-Op Credit Society Ltd. Mobile App
The Royal Co-Op Credit Society Ltd. ("we", "our", or "us") is committed to protecting the privacy of users of our Mobile App. This Privacy Policy outlines how we collect, use, store, and protect your personal data. By using the Mobile App, you consent to the collection and use of your information as described in this policy.
Personal Data
We collect information that can identify you directly or indirectly. This may include:
Full Name
Mobile Number
Email Address
Telephone Number
Profile Photo/Image (with your permission, used for personalization and stored securely)
Anonymous Data
This refers to non-identifiable information such as:
Device information (browser type, IP address)
Usage data through tracking technologies
Demographic or aggregated data
Location Information
Collected from your device when using location-based services (e.g., locating nearby ATMs).
All sensitive user data is encrypted and transmitted securely using HTTPS.
Login PINs and Transaction PINs are generated and stored in encrypted format for authentication and authorization.
Personal data is never exposed; users see dynamic, account-specific content securely generated by the system.
The App uses industry-standard security protocols to safeguard all financial and personal data.
Your personal data is used to:
Provide and improve the services you request
Customize your user experience (e.g., using profile photos)
Notify you of updates, services, or changes
Support internal operations such as product improvement and customer support
We retain personal data:
As long as necessary to maintain your account or resolve concerns
To comply with legal or regulatory requirements
For legitimate business purposes (e.g., fraud prevention, regulatory inquiries)
Data that is no longer needed may be deleted, anonymized, or securely destroyed.
The App may integrate third-party tools and services such as:
Payment gateways
Authentication services
Analytics tools
App deployment platforms
Important Notes:
Third-party services are governed by their own privacy policies and terms.
We do not control or endorse third-party services and are not liable for any issues arising from their use.
Your interactions with these services are at your own risk.
To ensure full functionality, the app requests the following permissions:
Location (MAPS_RECEIVE, READ_GSERVICES): Locate nearby ATMs
Network Access (INTERNET, ACCESS_NETWORK_STATE): Access online services
Camera (CAMERA, autofocus): Scan QR codes for payments
Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): Download and store PDF account statements
Notifications (POST_NOTIFICATIONS): Receive transaction alerts and updates
Users must register using their mobile number, and provide required personal information for identity verification and secure access to account-related services.
Our App enables:
Fund transfers
Mobile recharges
Bill and insurance payments
All transactions are encrypted and comply with industry best practices for secure processing.
We use Firebase to manage:
Push notifications
App update alerts
All communications through Firebase are handled securely.
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 promptly deleted.
Parents or guardians may contact us to request removal of such information.
We may update this Privacy Policy periodically.
The latest revision date will be posted at the bottom of the policy.
We encourage users to review this page regularly.
Continued use of the App signifies your acceptance of the updated terms.
By using the App, you agree to this Privacy Policy. If you do not agree, please discontinue use. Continued usage after changes implies acceptance of the revised policy.
If you have any questions or concerns about this policy, please contact us:
📧 Email: royalcreditltd@gmail.com