Privacy Policy for All Bank Balance Passbook

 

Introduction

All Bank Balance Passbook (“we”, “our”, or “us”) values your privacy and is committed to safeguarding it. This Privacy Policy describes how information is handled when you use our mobile application (the “App”). The App enables users to check bank balances and view transaction summaries using SMS-based banking services.

1. Information We Access

a) SMS Messages (Core Functionality)

We request permission to read SMS messages strictly to enable essential features of the app, such as:

  • Detecting messages sent by banks

  • Extracting balance details

  • Generating a passbook-style transaction view

    • Important Notes:
      • We do NOT send SMS messages from your device.
      • We do NOT upload, store, or transmit SMS data externally.
      • All SMS analysis is performed locally on your device only.

b) Phone Permissions (Calls & Phone State)

We use phone-related permissions to support banking features:

  • Allow users to place calls to official bank numbers for balance inquiries.

  • Identify call completion to enable optional post-call actions.

    • Important Notes:
      • Calls are initiated only by user interaction.
      • We do NOT record or monitor calls.
      • We do NOT store or share call-related data.

c) Overlay Permission (Optional Feature)

The app may request overlay access to display quick actions after completing a call.

  • This feature is completely optional and controlled by the user.

  • It does not interfere with normal device operations.

  • No personal or sensitive data is collected through this feature.

d) Device & Usage Information

We may collect limited non-personal technical data, including:

  • Device model and operating system version.

  • App performance metrics and crash logs.

  • Purpose: This information is used only to enhance app stability and performance.

e) Advertising Information

We use third-party advertising services (such as Google AdMob), which may collect:

  • Advertising identifiers.

  • Device-related data.

  • Ad interaction activity.

2. How We Use Information

The accessed information is used strictly for the following purposes:

  • Delivering bank balance and passbook features.

  • Supporting missed call banking functionality.

  • Improving app performance and reliability.

  • Displaying advertisements to maintain free access.

3. Data Sharing

We DO NOT sell or distribute personal data to third parties. We may share limited, non-sensitive information with:

  • Service providers: For analytics and crash reporting.

  • Advertising partners: Only for ad display purposes.

  • Legal authorities: When required under applicable laws.

4. Financial Data Disclaimer

  • We DO NOT directly access your bank account.

  • We DO NOT collect sensitive credentials such as passwords, PINs, or OTPs.

Clarification: All financial information displayed in the app is derived solely from SMS messages already present on your device or from official bank services (such as missed call banking).

5. Data Security

Sensitive information, including SMS content, is processed entirely on the user’s device.

  • No financial or SMS data is transmitted to external servers.

  • We apply reasonable measures to protect application data.

  • Device-level security depends on user settings and hardware protections.

6. Data Retention

  • We DO NOT store personal or financial data on our servers.

  • SMS and call-related data remain on your device unless you delete them.

7. Your Rights and Controls

You have complete control over your data. You can:

  • Revoke permissions at any time via device settings.

  • Disable features that require sensitive access.

  • Uninstall the app to remove all access.

8. Children’s Privacy

This application is not designed for children under the age of 13. We do not knowingly collect information from minors.

9. Third-Party Services

The App may integrate with third-party services that have their own privacy policies, including:

  • Google Play Services

  • Firebase (Analytics and Crash Reporting)

  • Google AdMob

10. Changes to This Policy

We may revise this Privacy Policy from time to time. Any updates will be reflected by modifying the “Last Updated” date.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, you may contact us at: Email: vekariyakrishnam@gmail.com

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