Privacy Policy

2.1. Email ID for Correspondence

This serves as a foundational data point for establishing your account, facilitating secure logins, enabling password resets, and sending crucial service updates pertaining to your credit card activities.

2.2. Registered Phone Number

Acts as a primary identifier for your account, critical for verifying your identity, and forms an essential security layer for both transactions and access.

2.3. Camera and Photo Permissions

This access is requested for optional features, such as uploading documents required for KYC (Know Your Customer) compliance, attaching records of payments, or customizing your profile picture.

2.4. Designated Emergency Contact

In rare events of unusual account behavior or potential security threats, should we be unable to reach you directly, we may contact your nominated emergency individual to help mitigate the issue and ensure the maximum security of your account.

2.5. Unique User, Device, and Ad Identifiers

• User ID: An exclusive identifier generated for your Social Rupee account, used for overseeing your credit card data and personal configurations.
• Device ID: Employed to maintain a consistent experience across all your linked devices and to detect any atypical login patterns, thus strengthening your account's defense.
• Advertising ID: May be utilized to present you with relevant credit card offers, financial insights, or important service news. You can manage or disable this function via your device's system settings.

2.6. General Geographic Location Data

We collect information about your approximate location (e.g., city or state) to offer location-relevant credit card benefits, send geographically specific fraud alerts, and customize our service suggestions to align with local market needs.

2.7. Application Failure Reports

Automatically collected anonymized technical data whenever the app encounters unexpected issues or crashes. This information is exclusively used for debugging and improving the application's stability and performance.

2.8. Installed Application List

We gather a record of the applications present on your device (e.g., banking apps, mobile payment platforms) to identify integration possibilities, recommend complementary financial tools, and ensure Social Rupee's seamless operation and compatibility.

2.9. Call Log Access (for Verification Purposes)

A one-time request for permission to access your call history is made solely for the rapid validation of your registered mobile number during initial setup. Our system identifies a specific verification call to automatically finalize your registration, negating the need for manual OTP input. We explicitly state that your personal call records are neither read, stored, nor subjected to any form of analysis.

2.10. Device Specifics

We collect various details unique to your device to guarantee Social Rupee functions optimally, maintains compatibility, and operates securely on your hardware. This includes:

• Storage Capacity: To efficiently manage the app's data and ensure adequate space for your financial records.
• Battery Information: For optimizing the application's power consumption and extending device battery life.
• Bluetooth Status: To enable future features that might involve local device connections or data transfer (if introduced).
• Hardware Configuration: To confirm system compatibility and adapt the app's features to your device's specifications.
• Memory Utilization: To fine-tune the app's memory footprint and prevent unexpected system shutdowns.
• Network Connectivity Details: To facilitate reliable data synchronization and provide real-time updates for your credit card activities.
• Sensor Data: To support features like screen orientation changes, enhance UI responsiveness, or bolster security measures (e.g., in future updates, detecting device movements for authentication).

3.1. Service Provision and Security Fortification

Your data is crucial for managing your credit card account, activating core functionalities (like monitoring transactions and accessing statements), and deploying robust defenses against unauthorized access or fraudulent acts.

3.2. Ongoing Service Enhancement

We analyze anonymized technical data to pinpoint and resolve operational discrepancies, bolster system resilience, and elevate the overall user experience.

3.3. Client Communications

We may use your provided contact information to convey vital updates, security notifications, transaction confirmations, or to respond to your support inquiries.

4.1. Data Encryption

All your data is protected using advanced encryption protocols, both during its transfer and when it rests on our secure servers.

4.2. Access Management

We enforce stringent internal regulations regarding data access, ensuring that only personnel with explicit authorization can view user information, strictly on a need-to-know basis.

5.1. Retention Periods

Your data remains with us for the entire duration your Social Rupee account stays active. In accordance with Indian legal and regulatory mandates, certain data categories may be retained for up to five (5) years following the closure of your account.

5.2. Your Right to Data Erasure

You possess the prerogative to request the permanent removal of your personal data at any given time. Please forward such requests to support@neurovalelimited.com. All verified deletion requests will be actioned within 15 business days.

5.3. Inactive Account Policy

Accounts demonstrating no continuous activity for eighteen (18) months will be automatically scheduled for permanent removal, subsequent to a mandatory 30-day prior notification from our side.

6.1. With Essential Operational Partners

Limited data may be shared with our trusted collaborators (e.g., cloud hosting providers, payment processors) under stringent confidentiality agreements specifically designed to shield your privacy.

6.2. For Mandated Legal Compliance

We reserve the right to disclose your information when such disclosure is legally required or necessitated by a valid legal proceeding.