Privacy Policy

This Privacy Policy explains how the Universal Multistate Co-operative Credit Society Ltd., Udgir (“we”, “our”, or “us”) collects, uses, and protects your information when you use our Mobile App. By accessing our services, you agree to the terms described in this Privacy Policy.

1. Information We Collect

Personal Data:

 Information that identifies you directly or indirectly, such as your name, mobile number, email, profile image, and contact details provided during registration.

Profile Photo/Image:

 Used to personalize your profile. Collected with your consent and securely stored in our backend system.

Anonymous Data:

 Non-identifiable data including browser details, IP address, demographic info, and app usage analytics.

Location Information:

 Collected through location-aware features of your mobile device, used to provide location-based services (e.g., ATM locator).

2. Data Usage and Purpose

We use your data to:

Provide and improve app services

Personalize your experience (e.g., display profile image)

Send service-related notifications and updates

Process transactions and manage user authentication (PIN-based)

3. Data Security

We implement modern encryption standards, such as HTTPS, to protect all personal and sensitive data during transmission and storage. Login and transaction PINs are encrypted for secure authentication.

4. Data Retention

Your personal data is retained only for as long as necessary:

To provide services or manage your account

To comply with legal or regulatory obligations

To respond to queries, disputes, or regulatory requests

When no longer required, your data is deleted, anonymized, or securely destroyed.

5. Third-Party Services

Our app may integrate with third-party providers for services like:

Payments

Authentication

App updates (e.g., via Firebase)

Analytics

Please Note:

 We are not responsible for the practices of third-party services. Your interactions with them are governed by their respective privacy policies and terms.

6. App Permissions

To offer a full range of features, our app may request the following permissions:

Location (MAPS_RECEIVE, READ_GSERVICES): Detect nearby bank ATMs

Internet Access (INTERNET, ACCESS_NETWORK_STATE): For online banking functionality

Camera (CAMERA, autofocus): Scan QR codes for payments

Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE): Download and view PDF statements

Notifications (POST_NOTIFICATIONS): Receive transaction alerts and updates

7. User Registration & Account Access

Users must register using their mobile number and provide personal data as required by banking regulations. The app securely verifies identities to ensure account safety.

8. Payments & Transactions

The app supports secure processing of:

Fund transfers

Mobile recharges

Bill payments

Insurance transactions

Banking details are encrypted, and transactions follow industry-standard security protocols.

9. Children’s Privacy

This app is not intended for children under 13. We do not knowingly collect data from minors. If you discover your child has submitted personal data, please contact us to delete it promptly.

10. Policy Updates

We may update this Privacy Policy periodically. We encourage users to review this page regularly. Continued use of the app constitutes acceptance of the updated policy.

11. Contact Us

For any questions or concerns regarding this policy or your data:

Email: lokmudragroup37@gmail.com