Introduction
Welcome to the official mobile application of Bandarini SACCOS LTD. By downloading and using this application, you agree to the terms and conditions outlined in this Privacy Policy. If you do not agree with any part of these terms, we regret that we will not be able to offer you our mobile services. By simply using the Bandarini Mobile App, you give your explicit consent for us to collect, use, and share your personal data in accordance with this Privacy Policy. This policy forms an integral part of the terms and conditions of using this app.
Information We Collect and Purpose of Collection
The application may collect the following categories of personal data for the purposes listed below:
• Bank account information – To allow you to view your account details and authorize transactions (Mobile banking services)
• Phonebook contacts – To retrieve mobile numbers for mobile recharge services (Mobile recharge feature)
• Password (system-generated and user-created) – For login and secure transactions. Passwords are stored in encrypted form (Mobile banking authentication)
Collection and Usage of Personal and Transactional Data
When you use the Bandarini Mobile App, we collect the information you provide to ensure a secure, reliable, and user-friendly experience. This includes:
– Your name, contact details, and identification numbers when you register.
– Behavior and usage patterns to improve app features and services.
– Transactional data such as payment history, account movements, recipient details, and location (when applicable).
Additionally, if you provide feedback or participate in communication features within the app, we collect and store that information for resolving issues and improving support.
Use of Your Data
We use your data to:
– Provide requested services
– Facilitate transactions (sending/receiving funds)
– Troubleshoot problems and resolve disputes
– Inform you about new products, services, or promotions
– Prevent fraud or misuse of our services
– Improve and customize your app experience
We also use your IP address and device information to help diagnose server issues and gather analytical data for better service delivery.
Data Sharing
Your personal data may be shared:
– With law enforcement agencies or courts when required by law.
– To protect rights, property, or safety of Bandarini SACCOS and its users.
– With partners during business restructuring, merger, or acquisition processes (such parties will be bound by this policy).
Data Processing and Security
Data is stored and processed internally by Bandarini SACCOS LTD using secure IT systems and following strict internal protocols. Access is limited to authorized personnel or vetted third parties (such as SMS service providers or technical support vendors), who are bound by data confidentiality agreements.
Data Retention
As per legal and regulatory requirements:
– Transaction records are maintained for a minimum of five (5) years.
– Customer identification documents are retained for at least eight (8) years after termination of service.
– Longer retention may apply if data is required in legal disputes or by regulatory authorities.
All data, including e-records, is securely managed and sanitized when no longer required.
User Rights
As a user, you have the right to:
– Access your personal data
– Request correction, deletion, or anonymization
– Object to processing in specific circumstances
Requests should be submitted through the official contact details provided by Bandarini SACCOS LTD.
System Logs and Additional Info
Our app may generate system logs and usage reports to support service maintenance and troubleshooting. You may request more detailed information regarding how your data is collected and used by contacting us directly.
Policy Updates
Bandarini SACCOS LTD reserves the right to update this Privacy Policy at any time. Changes will be notified through the application. Continued use of the app after such changes implies your acceptance of the revised policy.
Definitions
– Personal Data: Any information that identifies a user (e.g., name, phone number, ID number).
– Usage Data: Automatically collected data such as IP address, device model, OS version, etc.
– User: A registered member of Bandarini SACCOS using the mobile application.
– Data Controller: Bandarini SACCOS LTD, responsible for determining the purposes and means of processing personal data.