Mobile App is provided by the Balaghat Multistate Co Op Credit Society Ltd Kalamb. This Privacy Policy gives you details about our data collection methods and usage. You are advised to please read the Privacy Policy carefully. By accessing the services provided by Balaghat Multistate Co Op Credit Society Ltd Kalamb, you agree to the collection and use of your data by Balaghat Multistate Co Op Credit Society Ltd Kalamb in the manner provided in this Privacy Policy. This app is developed by the Peocit Software Solutions Pvt. Ltd.

Personal Data:

  • "Personal data" refers to data that identifies (whether directly or indirectly) a particular individual, such as information you provide on our registration forms. Examples may include your Mobile Number, name, email address, telephone number etc.
  • “Profile Photo/Image” refers to the data that helps users to manage and customize their profile detail. We take this data with users permission and store it at our backend system.
  • "Anonymous information" means information that cannot reasonably be used to identify a particular individual. Examples may include information about your Internet browser, IP address, information collected through tracking technologies, demographic information that you provide to us and aggregated or de-identified data.
  • "Location information" means information that may be collected by mobile applications that identify your physical location. This information may be collected from your mobile device's location-aware features when you request certain services that are dependent on your physical location.

    • Handling of Data

  • We handle all personal and sensitive user data securely in encrypted format, including transmission using modern cryptography such as HTTPS.
  • Generation and storing login PIN and transaction PIN in encrypted form for Authentication and Authorization purpose.
  • To protect user privacy and security, we ensure that sensitive data such as names, account numbers, or other personal information is not exposed. End users will see personalized content relevant to their accounts, generated dynamically and uniquely.

    • Terms And Conditions

    We use your personal information to:

  • To provide the services requested by you.
  • We use profile photo/image for user identification, personalization, or enhancing the user experience within the app.
  • We use contact information internally to:

    • Retention of Personal Data:

  • We may retain your Personal Data for as long as required to provide you with services such as managing your account and dealing with any concerns that may arise or otherwise if required for any legal or regulatory requirements or for establishment, exercise or defense of legal claims.
  • We may need to retain your information for a longer period where we need the information for our legitimate purposes for e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc. If we don’t need to retain information for this period of time, we may destroy, delete or anonymize it more promptly.

    • Third Party Services:

    The Mobile App may integrate with or utilize third-party services, including but not limited to payment API provider, app deployment, authentication services, and data analytics providers ("Third-Party Services"). By using the Mobile App, you acknowledge and agree that:

  • Third-Party Services may be subject to their own terms and conditions, privacy policies, and other agreements, which are separate from and independent of these Terms and Conditions. You are solely responsible for reviewing and complying with the terms and conditions of any Third-Party Services.
  • We do not control or endorse any Third-Party Services, and we shall not be liable for any loss, damage, or other consequences arising from your use of or reliance on Third-Party Services.
  • Your interactions with Third-Party Services, including your provision of personal information or payment details, are solely between you and the third-party provider. We shall not be responsible for any disputes, damages, or liabilities arising from such interactions.
  • We reserve the right to integrate, modify, or remove Third-Party Services from the Mobile App at any time without prior notice. We shall not be liable for any inconvenience or loss resulting from such actions.
  • Your use of Third-Party Services is at your own risk, and you agree to indemnify, defend, and hold us harmless from any claims, damages, or liabilities arising from your use of or reliance on Third-Party Services.

    • Permissions:

  • To Detect Bank ATM (MAPS_RECEIVE, READ_GSERVICES):

    • This permission allows the App to detect nearby bank ATMs using location-based services. It helps users locate ATMs for convenient banking services.

  • To Detect Internet Connection (INTERNET, ACCESS_NETWORK_STATE):

    • These permissions are necessary for the App to access the internet and determine network connectivity status. This enables the App to provide online banking services and ensure smooth functionality.

  • To Scan QR Code (CAMERA, autofocus):

    • The App requires access to the device's camera to scan QR codes for various functionalities such as making payments and other banking-related tasks.

  • To Download PDF Statements (WRITE_EXTERNAL_STORAGE, READ_EXTERNAL_STORAGE):

    • These permissions enable the App to save and retrieve PDF statements locally on the device's external storage. It allows users to download and access their account statements conveniently.

  • To Receive Push Notifications (POST_NOTIFICATIONS):

    • The App uses push notifications to deliver important updates, transaction alerts, and promotional messages to users. Users can opt in or out of receiving these notifications.

    User Registration and Account Access:

    Users can register with their mobile number to retrieve their accounts associated with that number. This registration process requires users to provide necessary personal information as per banking regulations. The App securely verifies and authenticates users' identities to ensure the security of their accounts.

    Payment and Transaction processing:

    The App provides various payment services including fund transfers, mobile recharges, bill payments, insurance payments, and more. These transactions require users to provide necessary banking details and authentication to complete the transactions securely. The App adheres to industry-standard security protocols to safeguard users' financial information during these transactions. Peocit Software Solutions does not store any sensitive financial information entered by users during these transactions.

    Firebase Usage:

    The App utilizes Firebase services to send users app update alerts. Firebase handles this process securely and ensures that users receive timely notifications about available app updates.

    Data Security:

    We are committed to protecting the confidentiality, integrity, and security of users' personal information. The App employs robust security measures to prevent unauthorized access, disclosure, alteration, or destruction of user data. All sensitive information exchanged between the App and its servers is encrypted using industry-standard protocols.

    To protect user privacy and security, we do not expose sensitive data, such as names, account numbers, or other personal information. End users will see personalized content relevant to their accounts, generated dynamically and not repetitively.

    Children's Policy:

    These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian, and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

    Changes to this Privacy Policy:

    The Mobile Banking Android Application has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

    Your Acceptance of these Terms:

    By using this App, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our App. Your continued use of the App following the posting of changes to this policy will be deemed your acceptance of those changes.

    Contact Us:

    If you have any questions about this Privacy Policy, the practices of this App, or your dealings with this App, please contact us at contactus@peocit.co.in.

    This document was last updated on 28/06/2024.