Privacy Policy

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions.

Definitions

• Account: A unique account created for You.
• Affiliate: Entity under common control (50%+ ownership).
• Company: Banglamukhi Saving & Credit Co-operative Ltd., Suryabinayak 2, Balkot, Bhaktapur.
• Cookies: Small files placed on Your device.
• Country: Nepal
• Device: Any device accessing the Service.
• Personal Data: Information identifying an individual.
• Service: The Website.
• Service Provider: Third-party processors.
• Usage Data: Automatically collected data.
• Website: banglamukhisaving.coop.np
• You: The user accessing the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

• Phone number

Usage Data

Includes IP address, browser type, pages visited, time spent, device identifiers, etc.

Tracking Technologies and Cookies

• Cookies: Used for functionality and analytics.
• Web Beacons: Track usage and email engagement.

Types of Cookies used:

• Essential Cookies: Required for core functionality.
• Acceptance Cookies: Remember cookie consent.
• Functionality Cookies: Save preferences like login and language.

Use of Your Personal Data

• Provide and maintain Service
• Manage user accounts
• Perform contracts
• Contact users (email, SMS, notifications)
• Marketing and promotions
• Handle requests
• Business transfers
• Analytics and improvements

Sharing Your Personal Data

• With Service Providers
• During business transfers
• With affiliates
• With business partners
• Public interactions
• With user consent

Retention of Your Personal Data

• Accounts: Duration + up to 24 months after closure
• Usage Data: Up to 24 months
• Server logs: Up to 24 months

Data may be retained longer for legal, technical, or security reasons.

Transfer of Your Personal Data

Your data may be processed outside Nepal with proper safeguards to ensure security and compliance.

Delete Your Personal Data

You can request deletion or manage your data via your account or by contacting us.

Disclosure of Your Personal Data

• Business Transactions: In mergers or acquisitions
• Law Enforcement: When legally required
• Legal Requirements: Protect rights and safety

Security of Your Personal Data

We use reasonable security measures but cannot guarantee 100% protection.

Children's Privacy

We do not knowingly collect data from users under 16.

Links to Other Websites

We are not responsible for third-party websites or their privacy practices.

Changes to this Privacy Policy

We may update this policy and notify users via website or email.

Contact Us

Email: banglamukhisaving@gmail.com