At SHRADDHA SABURI CO OP CREDIT SOCIETY LTD, we respect your privacy and are dedicated to safeguarding your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our mobile application. By accessing or using our services, you acknowledge and consent to the practices outlined below.

1. Information We Collect

a. Personal Data

We collect personally identifiable information that you provide during registration or while using the app, which may include:

  • Full Name
  • Mobile Number
  • Email Address
  • Profile Photo/Image
  • Other contact details

    • b. Profile Photo/Image

    Your profile image helps personalize your account and improve your experience within the app. It is collected and stored securely with your consent.

    c. Anonymous Information

    We may collect non-identifiable data, such as:

  • IP Address
  • Browser Type
  • Device Information
  • Demographic Data
  • Aggregated or de-identified Usage Data

    • d. Location Information

    With your permission, we may access your device’s GPS or location services to offer features such as nearby ATM detection.

    2. How We Use Your Data

    We use your information to:

  • Provide and manage the services you request
  • Enable secure access using encrypted login and transaction PINs
  • Personalize the app based on your profile
  • Enhance app performance and user experience
  • Deliver updates, alerts, and promotional messages
  • Comply with applicable legal and regulatory requirements

    • 3. Data Protection and Security

    Your data is important to us. We implement the following security measures:

  • Data encryption during transmission using HTTPS and modern cryptography
  • Secure storage using encrypted formats
  • Protection from unauthorized access, changes, or disclosures

    • We ensure that sensitive information such as names or account numbers is not exposed within the app. All personalized content is securely generated and shown only to authenticated users.

    4. App Permissions

    To provide a seamless and secure experience, the app may request the following permissions:

  • Location (MAPS_RECEIVE, READ_GSERVICES):For detecting nearby ATMs
  • Internet Access (INTERNET, ACCESS_NETWORK_STATE):For connectivity and online services
  • Camera (CAMERA, autofocus):To scan QR codes for payments
  • Storage (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE):To download and store PDF account statements
  • Push Notifications (POST_NOTIFICATIONS):For sending important updates and alerts

    • 5. User Registration and Account Access

    Users register with their mobile number. As part of regulatory compliance, we collect necessary personal data to verify and authenticate your identity securely.

    6. Payments and Transactions

    The app facilitates financial services such as fund transfers, bill payments, and mobile recharges. These transactions are protected using industry-standard security protocols to ensure the confidentiality of your financial data.

    7. Firebase Usage

    We utilize Firebase services to send timely app update notifications. These are managed securely to ensure consistent app performance and communication.

    8. Data Retention

    We retain your personal information only as long as necessary to:

  • Provide services and support
  • Fulfill legal and compliance requirements
  • Resolve disputes or queries
  • Prevent fraud and financial crimes

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

    9. Third-Party Services

    Our app may integrate with third-party providers, including payment gateways, analytics, and authentication services.

  • These services operate under their own privacy policies and terms.
  • We do not control or endorse third-party services.
  • You are responsible for reviewing and accepting their terms.
  • We are not liable for any loss or issue arising from their usage.

    • 10. Children’s Privacy

    Our app is not intended for users under the age of 13. We do not knowingly collect data from minors. If we discover such information has been collected, it will be promptly deleted. Parents or guardians can contact us to request data removal.

    11. Updates to This Privacy Policy

    We may revise this Privacy Policy from time to time. Any changes will be reflected within the app with an updated effective date. We encourage users to review the policy regularly to stay informed.

    12. Your Consent

    By using our app, you confirm that you have read, understood, and agreed to this Privacy Policy. Continued use following any updates will constitute your acceptance of the revised terms.

    13. Contact Us

    If you have any questions or concerns regarding this Privacy Policy or how your data is handled, please contact us at Email: ashokgavhane100@gmail.com

    This document was last updated on 28/04/2025.