Safeguarding Your Personal Information

Scope and Objective

Sahayog Multi-state Credit Co-operative Society Limited (hereinafter referred to as "the Society") understands the importance of protecting the personal information of its members and users. The Society is committed to making all necessary and reasonable efforts to protect the privacy of its Users through robust security measures.

This policy is the property of the Society, and we reserve the right to modify or update this policy at any time. The Society will endeavor to post the most current version of this policy on its official website (https://sahayogmultistate.com/)

Information Collection, Use, or Sharing

This policy covers the personal information provided by Users to the Society, including information collected through mobile application activities and the usage of subscribed services.

•Non-Intrusive Collection: The Society does not gather additional information associated with your mobile device through cookies or other invasive technologies for tracking purposes.

•Restricted Sharing: The Society does not share any user information with external companies unless required to do so by law, regulatory mandates, or while handling disputes that may arise during the course of business.

Security Measures

The Society endeavors to safeguard and ensure the security of the information provided by its Users.

•Authentication: To prevent misuse of services and authorize access to financial information, Users are required to use their MPIN / TPIN or other secure authentication methods set by them.

•Confidentiality: We strongly encourage Users not to share their MPIN / TPIN with anyone. The Society will never ask for such sensitive information from its users via phone, email, or SMS.

•Third-Party Disclosure: Information may be shared with our Affiliates or authorized third-party service providers (such as IT vendors or payment processors) only when necessary to provide services. These parties are contractually required to maintain the confidentiality of the data and use it strictly for the designated purpose.

•Risk Acknowledgment: While we use commercially acceptable means to protect Personal Information, please be aware that no method of electronic storage or transmission over the Internet is 100% secure.

Features of the Policy

All information collected shall be used for relevant and lawful purposes, including.

1.Service Fulfilment: Activities connected with functions related to services in which the User has shown interest.

2.Eligibility Assessment: To help determine the eligibility of the User for specific financial products (e.g., Loans, Fixed Deposits).

3.Regulatory Compliance: To enable the Society to verify identity, process applications, and maintain records as per the Multi-State Co-operative Societies Act (2002) and other legal requirements.

4.Legal Mandates: Disclosure to government agencies mandated under the law for identity verification, prevention of cyber incidents, or investigation of offences.

Changes to This Privacy Policy

The Society may update its Privacy Policy from time to time. Users are advised to review this page periodically. Any changes will be notified by posting the updated policy on the website, and such changes become effective immediately upon posting

Choice to Provide Information

Providing personal information on the Society's website or mobile application is optional. However, if you choose not to provide the required personal information, you may be unable to carry out certain actions, such as opening an account online, applying for a loan, or subscribing to our financial features

Communications

The Society may use the Personal Information of Users to contact them with newsletters, marketing or promotional materials, and other information regarding new deposit schemes, loan products, or Society updates.

Contact Information

For any queries regarding these Terms & Conditions, please contact us at: