Privacy Policy
Privacy Policy
The Mobile App is provided by The Siddeshwar Urban Multistate Co.Op. Credit Society Ltd. This Privacy Policy explains our data collection practices, how we use the information collected, and the measures we take to protect your personal information.
We encourage you to read this Privacy Policy carefully before using our services. By accessing or using the services provided by The Siddeshwar Urban Multistate Co.Op. Credit Society Ltd, you acknowledge and agree to the collection, use, and handling of your data in accordance with the terms outlined in this Privacy Policy.
Personal Data:
"Personal Data" refers to information that can directly or indirectly identify an individual. This includes information provided by users during registration or while accessing our services. Examples of personal data include mobile numbers, names, email addresses, telephone numbers, and other relevant identification details.
Profile Photo/Image:
"Profile Photo/Image" refers to the image or photograph provided by users to manage and personalize their profile details within the application. This information is collected with the user's permission and securely stored in our backend system.
Anonymous Information:
"Anonymous Information" refers to information that cannot reasonably be used to identify a specific individual. This may include information about your internet browser, IP address, demographic information voluntarily provided by you, information collected through tracking technologies, and aggregated or de-identified data.
Location Information:
"Location Information" refers to data collected by the mobile application that may identify your physical location. Such information may be obtained through your mobile device's location-based features when you access services that require location information, such as locating nearby bank ATMs.
We handle all personal and sensitive user data securely and in encrypted form. Data transmitted between the application and our servers is protected using modern encryption technologies, including HTTPS.
Login PINs and transaction PINs are generated and stored in encrypted form to support secure authentication and authorization.
To protect user privacy and security, we ensure that sensitive information, including names, account numbers, and other personal details, is not unnecessarily exposed. Users are provided with personalized content relevant to their accounts, generated dynamically and uniquely.
We use your personal information for the following purposes:
To provide the banking and financial services requested by you.
To facilitate secure user registration, authentication, and account access.
To use profile photos/images for user identification, personalization, and enhancing the overall user experience.
To improve our products, services, and application functionality.
To send important product notifications, service updates, and other relevant communications.
To maintain the security and integrity of our banking services.
We use contact information internally to improve our products and services and to communicate important updates and notifications to users.
We retain your Personal Data for as long as necessary to provide our services, manage your account, address any concerns or complaints, and comply with applicable legal and regulatory requirements.
We may also retain your information where necessary for the establishment, exercise, or defense of legal claims.
In certain circumstances, we may need to retain your information for an extended period to fulfill legitimate business purposes, such as responding to customer queries or complaints, preventing fraud and financial crimes, and complying with requests from regulatory authorities.
When your information is no longer required for these purposes, we may securely delete, destroy, or anonymize it in accordance with applicable laws and regulations.
The Mobile App may integrate with or utilize third-party services, including but not limited to payment API providers, application deployment services, authentication services, and data analytics providers (collectively referred to as "Third-Party Services").
By using the Mobile App, you acknowledge and agree that:
Third-Party Services may be governed by their own terms and conditions, privacy policies, and other agreements, which are independent of this Privacy Policy. You are responsible for reviewing and complying with the applicable terms of such services.
We do not control or endorse Third-Party Services and shall not be responsible for any loss, damage, or consequences arising from your use of or reliance on such services, to the extent permitted by applicable law.
Your interactions with Third-Party Services, including the sharing of personal information or payment details, are governed by the terms applicable to those services.
We reserve the right to integrate, modify, or discontinue Third-Party Services within the Mobile App at any time, subject to applicable laws and regulations.
Your use of Third-Party Services is subject to their applicable terms and conditions. You agree to hold us harmless from claims or liabilities arising from your misuse of such services, to the extent permitted by applicable law.
The Mobile App may request the following permissions to provide its banking services effectively:
To Detect Bank ATMs (MAPS_RECEIVE, READ_GSERVICES):
The application may use location-based services to help users identify nearby bank ATMs. This functionality enables users to locate ATMs conveniently and access relevant banking services.
To Detect Internet Connection (INTERNET, ACCESS_NETWORK_STATE):
These permissions allow the application to access the internet and check the device's network connectivity status. They are essential for providing online banking services and ensuring the smooth functioning of the application.
To Scan QR Codes (CAMERA, Autofocus):
The application requires access to the device's camera to scan QR codes for supported functionalities, including payments and other banking-related services.
To Download PDF Statements (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE):
These permissions may be used to save and access PDF account statements on the device's storage, allowing users to download and conveniently view their account statements.
To Receive Push Notifications (POST_NOTIFICATIONS):
The application uses push notifications to deliver important service updates, transaction alerts, and other relevant communications. Users can manage notification permissions through their device settings.
Users can register with their registered mobile number to retrieve and access the accounts associated with that number.
During registration, users may be required to provide necessary personal information in accordance with applicable banking regulations. The application securely verifies and authenticates users to help ensure the security and confidentiality of their accounts.
The Mobile App provides various payment and banking services, including fund transfers, mobile recharges, bill payments, insurance payments, and other supported financial transactions.
To complete these transactions, users may be required to provide relevant banking details and complete the necessary authentication procedures.
The application follows industry-standard security protocols to protect users' financial information and help ensure the secure processing of transactions.
The application utilizes Firebase services to deliver app-related notifications, including alerts regarding application updates.
Firebase services are used to facilitate the delivery of timely notifications to users about available application updates and other relevant information.
We are committed to protecting the confidentiality, integrity, and security of users' personal information.
The application implements appropriate technical and organizational security measures to help prevent unauthorized access, disclosure, alteration, or destruction of user data.
All sensitive information exchanged between the application and its servers is protected using industry-standard encryption protocols.
We take reasonable measures to ensure that sensitive information, including names, account numbers, and other personal details, is not unnecessarily exposed. Users are provided with personalized account-related information that is dynamically generated based on their individual accounts.
Our services are not intended for children under the age of 13. We do not knowingly collect personally identifiable information from children under the age of 13.
If we become aware that a child under the age of 13 has provided us with personal information, we will take appropriate steps to delete such information from our servers.
If you are a parent or legal guardian and believe that your child has provided us with personal information, please contact us so that we can take the necessary action.
The Mobile Banking Android Application reserves the right to update or modify this Privacy Policy from time to time.
Whenever changes are made, the revised Privacy Policy will be published on this page along with the updated revision date.
We encourage users to review this Privacy Policy periodically to stay informed about how we collect, use, and protect their personal information.
By continuing to use the application after any changes have been published, you acknowledge and agree to the revised Privacy Policy.
By accessing or using this Mobile App, you acknowledge that you have read, understood, and accepted the terms outlined in this Privacy Policy.
If you do not agree with this Privacy Policy, please discontinue using the application.
Your continued use of the application following the publication of any changes to this Privacy Policy will constitute your acceptance of those changes.
If you have any questions, concerns, or requests regarding this Privacy Policy, our data handling practices, or your use of the application, please contact us at:
Email: siddeshwarmultistate@gmail.com