Terms & Conditions of Shree Kulswami Co-Op. Credit Society Ltd.

Effective Date: March 15, 2023

Shree Kulswami Co-Op. Credit Society Ltd. ("us", "we", or "our") operates the website and Mobile Application (the "Service").

The parties to this agreement are Shree Kulswami Co-Op. Credit Society Ltd. and THE CUSTOMER (Hereinafter referred as ‘Customer/ you / User’).

The customer is the person who is accessing and or using the service/s provided by Shree Kulswami Co-Op. Credit Society Ltd. and or end user accessing the App/Website, its contents etc.

This page informs you of our terms and conditions regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

By visiting this App/Website, you agree to be bound by the terms and conditions of this page. If you do not agree with the same, you are advised not to use or access our App/Website further.

By mere use of the App/Website, you expressly consent to our use and disclosure of your personal information in accordance with this terms and conditions. This Policy is incorporated into and subject to the Terms of Use.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this page, terms used in this page have the same meanings as in our privacy policy.

When you use our App/Website, we collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our App/Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.

Information Collection And Use -

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data :

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

Use of Data :

We uses the collected data for various purposes:

General Conditions: :

The payment made by cash / cheque / debit card / credit card / NEFT / Net banking etc. would be in accordance with the prevailing RBI guidelines.

For the convenience of the customer, the facility of third-party payment gateway is provided on the App/Website so that the customer can pay the online for the intermediary services of Shree Kulswami Co-Op. Credit Society Ltd.

Activation of services of Shree Kulswami Co-Op. Credit Society Ltd. is subject to the realisation of the payment.

The subscription payment once paid by the subscriber is not refundable.

Disclosure Of Data

Legal Requirements :

Shree Kulswami Co-Op. Credit Society Ltd. may disclose your Personal Data in the good faith belief that such action is necessary to:

Responsibility of the customer :

The customer shall keep their credentials safe and shall not share the same with any third persons

In case of any modification in the profile of the customer, the automated system generated results may also change, due to the same.

Service Providers :

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties may have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Communication with members

The customer agrees and acknowledges that Shree Kulswami Co-Op. Credit Society Ltd. shall use the e-mail address, phone number etc. provided by the customer as medium of communication with the customer.

Children's Privacy :

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Right to modify terms and conditions :

We may update our terms and conditions from time to time. We will notify you of any changes by posting on this page.

We reserves the right to modify the terms and conditions, at any time without any notice, so please review it frequently. If we make material changes to this policy, we will notify you here only.

You are advised to review this terms and conditions periodically for any changes. Changes to this terms and conditions are effective when they are posted on this page.

Contact Us :

If you have any doubt, query, complaint regarding our services, packages etc. kindly feel free to connect with us on the following details: