MCT we respects your privacy and is committed to protecting your personal information. This Privacy
Policy explains how we collect, use, store, and protect your information when you use our mobile
application (“App”).
1. Information We Collect
1.1 Personal Information
- Name
- Phone number
- Email address
- Address (if provided)
- Identity documents/Proofs you choose to upload (optional)
1.2 Non‑Personal Information
- Crash logs and diagnostics
2. How We Use Your Information
- Create and manage your account
- Facilitate chit fund member management, collections, payouts, and receipts
- Send reminders, alerts, and transactional notifications
- Provide customer support and address queries
- Improve app functionality, security, and performance
- Comply with legal and regulatory requirements
3. Data Sharing & Disclosure
We do not sell your personal information. We may share data:
- With trusted service providers (e.g., cloud hosting, analytics, payment processing) bound by
confidentiality obligations
- When required by law, regulation, legal process, or government request
- To detect, prevent, or address fraud, security, or technical issues
- In connection with a merger, acquisition, or asset sale (with notice where required)
4. Data Storage & Security
- Data is stored on secure servers with encryption in transit and at rest where applicable.
- We implement technical and organizational measures to protect your information.
- You are responsible for safeguarding your account credentials.
5. Permissions We Request
- Camera & Storage: Upload KYC documents or proof of transactions.
- Contacts: Invite or add members (optional).
- Location: Verify branch/member location or enable location‑based features
(optional).
- Phone/Call State (if used): Enable specific in‑app features like communication or
security.
6. Your Choices & Rights
- Access, update, or delete certain personal information by contacting us.
- Opt out of non‑essential communications.
- Request a copy of your data, subject to verification.
7. Children’s Privacy
Our App is not directed to children under 18. We do not knowingly collect personal information from
children.
8. Third‑Party Services & Links
Our App may include links to third‑party websites or services. Their privacy practices are governed by
their own policies, and we encourage you to review them.
9. International Transfers
Your information may be processed and stored in locations outside your state or country. We take steps to
ensure appropriate safeguards are in place.
10. Data Retention
We retain information for as long as necessary to provide the App, comply with legal obligations, resolve
disputes, and enforce agreements.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted in the App and/or
on our website with the new “Effective Date.”
12. Contact Us
If you have questions or requests regarding this Privacy Policy, contact us: