Privacy Policy

Welcome to our official mobile banking application for members of Shree Ganesh thrift and credit co-operative society ltd. Your privacy is critically important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our mobile application in compliance with Google Play Store policies and local regulatory frameworks.

1. About Us

Shree Ganesh thrift and credit co-operative society ltd was established with the vision to make secure financial services accessible to all members of the community. We benefit our members through personalized financial services including loans, savings, and Recurring Deposit (RD) accounts. We are fully digital, offering advanced mobile banking services so you can securely manage your finances anytime, anywhere.

2. Information We Collect

To provide a secure and efficient mobile banking experience, we collect the following types of information:

• Personal Information: Full name, registered phone number, physical address, date of birth, official membership number, and government-issued identification details necessary for KYC verification.
• Account & Transaction Information: Account balances, transaction history, loan details, and RD account details executed within the application.
• Device Information: Device model, operating system version, unique device identifiers, and network information. This data is collected strictly for security monitoring, fraud prevention, and technical stability.
• Usage Data: App interaction logs, crash reports, and performance metrics to help us optimize application functionality and user experience.

3. How We Use Your Information

We process your information under strict security parameters for the following purposes:

• To provide secure access to your financial and cooperative society accounts.
• To facilitate and manage membership accounts, transactions, and deposit services.
• To notify you about important account updates, transaction receipts, and system alerts.
• To detect, prevent, and mitigate fraud, unauthorized access, or other security incidents.
• To comply with legal, statutory, and regulatory obligations mandated by the Government and financial authorities.

4. Data Sharing and Disclosure

We value your trust and adhere to strict data sharing practices:

• No Data Sale: We do not sell, rent, or trade your personal or financial information to third parties for marketing purposes.
• Legal Requirements: We may disclose information if required to do so by law, court order, or regulatory authorities under proper legal jurisdiction.
• Trusted Service Providers: Data may be shared with trusted technical partners who assist in operating our platform, subject to strict confidentiality agreements and compliance with prevailing data protection regulations.

5. Data Security

We implement robust administrative, technical, and physical security measures (including industry-standard encryption protocols) to protect your personal and financial information. While we take maximum precautions to safeguard data, please remember that no transmission over the internet or electronic storage method can be guaranteed 100% secure. You are responsible for safeguarding your login credentials and MPIN.

6. Data Retention

We retain your personal and transaction data only for as long as your membership remains active, or as required to fulfill the purposes outlined in this policy and to satisfy applicable statutory financial record-keeping laws.

7. Children's Privacy

Our mobile banking application is intended exclusively for users who are at least 18 years of age. We do not knowingly collect, maintain, or use personal information from children under the age of 18.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect regulatory shifts or application enhancements. Any updates will be posted on this page with a revised effective date. We encourage you to review this policy periodically to stay informed.

9. Contact Us

If you have any questions, concerns, or grievances regarding this Privacy Policy or your data, please contact our administrative team: