Privacy Policy

The Mobile App is provided by Venkatesh Multistate Co-Op Credit Society.

This Privacy Policy explains how we collect, use, and protect your information. By accessing or using our services, you agree to the practices described in this Privacy Policy. Please read it carefully.

Personal Data We Collect

Personal Data: Information that identifies you directly or indirectly, such as name, mobile number, email address, and telephone number, typically collected during registration.

Profile Photo/Image: Collected with your permission to help personalize your profile and enhance your app experience.

Anonymous Information: Non-identifiable details like your browser type, IP address, device information, or demographic data, including information gathered through cookies or tracking technologies.

Location Information: Data from your device’s location services, used when you access location-based features (e.g., locating nearby ATMs).

Handling of Data

All personal and sensitive data is stored securely in encrypted format and transmitted using modern encryption technologies (e.g., HTTPS).

Login PINs and transaction PINs are generated and stored in encrypted form for authentication and authorization.

Sensitive information such as names, account numbers, or personal details is never exposed. Personalized content is dynamically generated to ensure security.

How We Use Your Data

We use your data to:

Provide the services requested by you.

Personalize your experience using profile images or account details.

Improve our services and products.

Send important updates, product notifications, and alerts.

Retention of Data

We retain your personal data for as long as needed to manage your account, provide services, and comply with legal or regulatory requirements.

In some cases, data may be retained longer for legitimate purposes such as handling complaints, preventing fraud, responding to regulatory requests, or defending legal claims.

When no longer required, we securely delete, anonymize, or destroy your information.

Third-Party Services

The Mobile App may use third-party services such as payment gateways, authentication tools, analytics providers, and deployment services. Please note:

These services are governed by their own privacy policies and terms, separate from ours.

We do not control or endorse third-party services and are not responsible for issues arising from their use.

Any interaction (such as providing payment details) is solely between you and the third-party provider.

We may integrate, modify, or remove third-party services at any time without prior notice.

Your use of third-party services is at your own risk. You agree to indemnify and hold us harmless against any claims arising from such usage.

Permissions Required

To provide banking and app-related services, the App may request the following permissions:

Location Access (MAPS_RECEIVE, READ_GSERVICES): To detect nearby bank ATMs.

Internet Access (INTERNET, ACCESS_NETWORK_STATE): To enable online banking and network connectivity.

Camera Access (CAMERA, autofocus): To scan QR codes for payments and transactions.

Storage Access (READ/WRITE_EXTERNAL_STORAGE): To download and store account statements in PDF format.

Notifications (POST_NOTIFICATIONS): To send updates, alerts, and promotional messages (opt-in/opt-out available).

User Registration & Account Access

Users register using their mobile number to access linked accounts.

Personal details may be required as per banking regulations.

Identity verification is performed securely to protect account access.

Payments & Transactions

The app supports services like fund transfers, bill payments, mobile recharges, insurance payments, and more.

Users must provide necessary banking details for transaction authentication.

All transactions follow industry-standard security protocols to protect financial data.

Firebase Usage

Firebase services are used to deliver secure and timely app update notifications.

Data Security

We are committed to maintaining the confidentiality, integrity, and security of your information.

All sensitive data is encrypted during storage and transmission.

User data is never exposed publicly—only dynamically generated, account-specific content is displayed.

Children’s Privacy

Our services are not intended for children under 13.

We do not knowingly collect personal data from children.

If we discover such data has been provided, we will delete it immediately.

Parents/guardians who become aware of such data should contact us.

Updates to Privacy Policy

We may update this Privacy Policy periodically. The revised version will carry an updated date. We encourage users to review this page regularly to stay informed about how we protect your information. Continued use of the app will be considered as acceptance of the updated policy.

Acceptance of Terms

By using this app, you signify your acceptance of this Privacy Policy. If you do not agree, please discontinue use of the app. Continued use after updates will be treated as acceptance of the revised terms.

Contact Us

If you have any questions or concerns about this Privacy Policy or your interactions with our app, please contact us at:

📧 krushnamasure11@gmail.com