INTRODUCTION

We are committed to protecting your Privacy and ensuring the Security of your Personal information.

This Privacy Policy outlines the data we collect, how we use it, and the choices you have regarding your information while using our mobile application.  By accessing or using our App, you agree to the terms of this Privacy Policy.  If you do not agree with the Practices described in this Policy, Please do not use the APP.

2.            Information We Collect

To provide you with the best user experienced the functionalities of our App, we may collect the following classes of data.

2.1         Locations

Approximate Location:   We may collect your approximate location, such as city or region, to personalize your experience and offer location –based features.

Precise Location:   We may also collect your precise GPS-Based location to provide you with location-specific services.

2.2         Personal Information

• Name:   We collect your name to personalize your interactions within the App.
• Email:   your email address is used for communication purposes, such as account verification, updates, and customer support.
• User ID:   We may assign a unique identifier to your account to facilitate App functionality and personalization.
• Address:   You may voluntarily provide your address for shipping and delivery purposes if applicable.
• Phone Number:   We collect your phone number to enable certain features and for account verification.
• Other Info:   Any additional information you provide, such as preferences of interests, helps us improve our services and customize your experience.

2.3         Financial Information

• User Payments Info:   If you make purchase through our App, we collect payment details necessary for completing the transaction security.
• Purchase History:   We retain a record of your purchase history to assist with customer support and to provide you with a better shopping experience.
• Other Financial Info:   Any other financial information provided by you for specific transactions’ or services within the App.

2.4         Photos and Videos

• Photos:   With your consent, the App may access and store photos from your device to enaqble certain features or functionalities. 

2.5         Files and Documents

• Files and Docs:   With your permission, the App may access and store files and documents from your device to facilitate specific App functions.

2.6         Contacts

• Contacts:   If you choose to use features that require access to your contacts, we may collect and store contact information.

2.7         App Information Performance

• Crash Logs:   The App may collect crash logs in the event of a technical issue to improve App Performance and resolve problems efficiently.

2.8         Device or Other IDs

• Device ID:   We may collect your device’s unique identifier to troubleshoot issues and enhance user experience.

3.            How we use your Information

• We may use data collected for the following Purposes:
• To provide and improve our services features and user experiences of the App.
• To process transactions and provide customer support related to your purchases.
• To respond to your inquiries and address your feedback or concerns.
• To analyze and monitor App usage, perform data analytics, and conduct research to enhance our services.
• To ensure security and integrity of the App, as well as to prevent fraud and unauthorized access.

4.            Data Sharing and Disclosure

We do not sell trade or rent your personal information to third parties for marketing purposes.  However, we may use your data under the following circumstances:

With Service providers, business partners, and contractors who help us with App operations and Services (e.g.; Payment processors, cloud storage providers).

When required by law or legal process, or to protect our rights, Privacy, Safety, or Property or that of others.

In connection with a corporate transaction, such as a merger, acquisition or sale of assets.

With your consent or as otherwise disclosed at the time of collection.

5.            Data Security

We employ reasonable administrative, technical, and physical Security measures to protect your information from unauthorized access, disclosure, alteration, or destruction.  However, no method of transmission over the internet or electronic storage is completely secure.  Therefore, we cannot guarantee absolute security.

6.            Your Choice and Controls

• You have the following rights and controls over your data.
• You can review and update your personal information within the App’s settings or by contacting us directly.
• You may opt-out of receiving promotional communications from us by following the unsubscribe instructions provided in the communication or by adjusting your notification preferences.
• You can disable access to specific data types (e.g. location, contacts) through your device settings.  However, this may impact certain App features.
• You may request the deletion of your account and associated data by contacting us at garkimfb@hotmail.com.

7.            Children’s Privacy

The App is not intended for children under the age of 18 years.  We do not knowingly collect or maintain personal information from individuals under this age.  If you believe that we have inadvertently collected personal information from a child, please contact us immediately, and we will take steps to delete the information promptly.

8.            Changes to this Private Policy

We may update this Private Policy from time to time to reflect changes in our data practices or applicable Laws.  We encourage you to review this page periodically for any updates.  We will notify you of significant changes by posting a prominent notice in the App or sending you a direct communication.

9.            Contact Us.

If you have any questions, concerns or requests regarding this Private Policy or our data practices, please contact us at info@garkimfb.com, or garkimfb@hotmail.com.

Thank you for using Garki Microfinance Bank Mobile Banking App.  We value your trust and strive to protect your privacy and data security.