Privacy Policy
Privacy Policy
Utkarsh Nagari Sahakari Patsanstha Maryadit provides this Mobile Banking Application (“App”) to offer secure and convenient banking services to its users. This Privacy Policy explains how we collect, use, store, protect, and disclose information when you use our App and services.
By accessing or using the App, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of your information as described below.
“Personal Data” means information that can directly or indirectly identify an individual. Depending on the services you use, this may include:
Mobile number
Name
Email address
Telephone number
Account-related information
Other information required for registration, authentication, and banking services
We collect only the information necessary to provide and maintain the services offered through the App.
The App may allow users to add or update a profile photo or image. This information is collected only with the user's permission and may be securely stored on our backend systems. The profile image may be used for user identification, profile management, personalization, and improving the overall user experience.
“Anonymous Information” refers to information that cannot reasonably be used to identify a particular individual. This may include technical information such as browser or device information, IP address, information collected through standard tracking technologies, demographic information voluntarily provided by users, and aggregated or de-identified information.
Such information may be used to understand application usage, improve performance, and enhance our services.
“Location Information” refers to information that identifies the approximate or precise physical location of a user's device when location-based functionality is requested.
The App may use location-related services to help users identify nearby bank ATMs or provide other location-dependent functionality. Location access is used only for relevant features and in accordance with the permissions granted by the user.
We are committed to protecting the confidentiality and security of users' information.
Personal and sensitive user data is handled using appropriate technical and organizational security measures. Data transmitted between the App and our servers is protected using secure encryption technologies, including HTTPS and modern cryptographic protocols.
Login PINs and transaction PINs are securely processed and stored in encrypted or protected form for authentication and authorization purposes.
We take reasonable measures to prevent unauthorized access, disclosure, alteration, misuse, or destruction of user information.
Sensitive information such as account numbers and other financial or personal information is not unnecessarily exposed within the App. Users receive personalized information relevant to their own accounts and services.
We may use personal information for the following purposes:
To provide banking and other services requested by users.
To register and authenticate users.
To provide access to accounts and account-related information.
To process payments and financial transactions.
To identify and verify users.
To provide personalized content and services.
To improve application functionality and user experience.
To send important service-related notifications, alerts, and updates.
To prevent fraud and protect the security of banking services.
To comply with applicable legal, regulatory, and financial requirements.
Contact information provided by users may be used internally for purposes including:
Providing customer support.
Responding to queries and complaints.
Improving our products and services.
Sending service notifications and application updates.
Communicating important information relating to the user's account or use of the App.
We retain Personal Data only for as long as reasonably necessary to provide our services, manage user accounts, address queries or complaints, maintain security, prevent fraud and financial crime, comply with applicable legal and regulatory obligations, and establish, exercise, or defend legal claims.
Where information is no longer required for these purposes, we may delete, destroy, or anonymize it in accordance with applicable requirements.
The App may use or integrate with third-party services, including payment service providers, authentication services, application deployment services, notification services, analytics services, and other technology providers (“Third-Party Services”).
Third-party providers may process information in accordance with their own privacy policies, terms, and conditions. Users are encouraged to review the privacy policies and terms applicable to such services.
Third-Party Services may be integrated, modified, replaced, or removed from the App from time to time to maintain and improve our services.
We take reasonable steps to work with service providers that maintain appropriate security measures for the information processed on our behalf.
The App may request certain device permissions to provide specific features and functionality. The permissions requested may include the following:
Location-related services may be used to help identify nearby bank ATMs and provide location-based banking functionality. Location access is used only when required for the relevant feature and subject to the permissions granted by the user.
INTERNET and ACCESS_NETWORK_STATE permissions are required to connect the App to our online services and to determine the availability of the network connection. These permissions enable users to access online banking features and ensure proper application functionality.
The CAMERA permission may be required to scan QR codes for supported payment and banking-related functionality. Camera access is used for the QR scanning feature and is not intended for unrelated purposes.
Where supported by the device and Android version, storage-related permissions may be used to save or access downloaded PDF account statements on the user's device.
The App uses such access only to provide the requested statement download and viewing functionality.
The POST_NOTIFICATIONS permission may be used to send important banking alerts, transaction notifications, service updates, and other relevant communications.
Users can manage notification permissions through their device settings, subject to the functionality provided by their Android version.
Users may register for the App using their registered mobile number and other information required for account verification.
The registration process may require users to provide information necessary to identify and authenticate them in accordance with applicable banking, financial, legal, and regulatory requirements.
Appropriate authentication and security mechanisms are used to help protect access to user accounts.
The App may provide financial and payment-related services such as:
Fund transfers
Mobile recharges
Bill payments
Insurance payments
Other supported banking and payment services
To complete these services, users may be required to provide or confirm relevant banking, payment, or beneficiary information and complete the required authentication process.
We use appropriate security measures to protect financial and transaction-related information during processing and transmission.
The App may use Firebase services to support application functionality, including sending notifications or alerts related to application updates and other relevant communications.
Firebase processes information in accordance with its applicable privacy and security practices.
We are committed to maintaining the confidentiality, integrity, and security of users' information.
We implement reasonable security measures designed to protect personal and sensitive information against unauthorized access, disclosure, alteration, loss, misuse, or destruction.
Sensitive information transmitted between the App and our servers is protected using industry-standard encryption and secure communication protocols.
We also take measures to ensure that users are shown only information relevant to their authenticated accounts and authorized services.
However, no method of electronic transmission or storage can be guaranteed to be completely secure. Therefore, while we strive to use appropriate security measures, we cannot guarantee absolute security of information.
The App and its services are not intended for children under the age of 13.
We do not knowingly collect personally identifiable information from children under 13. If we become aware that a child under 13 has provided Personal Data without appropriate authorization, we will take reasonable steps to delete such information from our systems.
Parents or legal guardians who believe that a child has provided Personal Data may contact us using the contact information provided below.
We may update or modify this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or privacy practices.
When changes are made, the updated Privacy Policy will be published through the appropriate channel, and the “Last Updated” date will be revised accordingly.
Users are encouraged to review this Privacy Policy periodically to remain informed about how their information is handled.
By using the App, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
If you do not agree with this Privacy Policy, please discontinue your use of the App.
Your continued use of the App after any changes to this Privacy Policy are published will constitute your acceptance of the updated policy, to the extent permitted by applicable law.
If you have any questions, concerns, or requests regarding this Privacy Policy, our data practices, or your use of the App, please contact us at:
Email: headoffice.utkarsh@gmail.com