Terms and Conditions for All Bank Balance Passbook

Introduction

Welcome to the All Bank Balance Passbook app (“App”, “Service”, “we”, “our”, or “us”). By installing, accessing, or using this App, you agree to comply with and be bound by these Terms and Conditions.

1. Service Overview

All Bank Balance Passbook is a financial utility application designed to help users access banking-related details using publicly available bank services.

Key features include:

  • Viewing bank balance based on SMS alerts received on your device.

  • Presenting a structured passbook view derived from SMS data.

  • Providing quick access to official bank missed-call balance services.

  • Optional post-call (after-call) quick action functionality.

    • Important: The App does not establish any connection with bank servers. All information is obtained from SMS messages available on your device and official bank services, and is processed locally.

2. No Association with Banks

This App is not affiliated with, endorsed by, or connected to any bank or financial institution. All bank names, trademarks, and logos belong to their respective owners and are used strictly for identification purposes.

3. Eligibility

You must be at least 13 years of age (or the minimum legal age in your jurisdiction) to use this App. By using the Service, you confirm that you meet this requirement.

4. Permissions and Access

To deliver its primary functionality, the App may request the following permissions:

  • SMS Permission: To read bank-related messages on your device for displaying balance and transaction summaries.

  • Phone Permission: To allow users to initiate calls to official bank numbers and detect call status for optional features.

  • Overlay Permission (Optional): To display quick actions after a call, fully controlled by the user.

  • Internet & Network Access: For advertisements, analytics, and performance monitoring.

    • Important: All permissions are requested only when necessary and require explicit user approval through system prompts.

5. User Obligations

By using the App, you agree that you will not:

  • Engage in unlawful, fraudulent, or unauthorized activities.

  • Misuse banking services or attempt to access data without authorization.

  • Reverse engineer, modify, or tamper with the App.

You are solely responsible for your usage of the App and any data associated with it.

6. Data Accuracy & Financial Disclaimer

The App displays information based on SMS messages received on your device. The accuracy of this information depends on your bank’s SMS format and delivery.

We do not guarantee:

  • Real-time or up-to-date financial information.

  • Complete accuracy or reliability of displayed data.

    • Important:
      • This App is not a banking platform.
      • This App does not provide financial, investment, or legal advice. 
      • Users should always verify information through official bank channels before making financial decisions.

7. Privacy

Your use of the App is also subject to our Privacy Policy. Sensitive information (such as SMS data) is processed locally on your device as described in that policy.

8. Advertisements and Third-Party Services

The App may integrate third-party services, including:

  • Google AdMob for advertisements.

  • Firebase for analytics and crash reporting.

These providers may collect limited data according to their own privacy policies. We are not responsible for third-party content or practices.

9. Service Availability

We do not guarantee that the App will function without interruptions or errors. Certain features may depend on internet connectivity and external services such as mobile networks, which are beyond our control.

10. Limitation of Liability

To the maximum extent permitted by law, we are not responsible for:

  • Any financial loss or decisions made based on information shown in the App.

  • Incorrect, delayed, or missing SMS data.

  • Service disruptions or technical issues.

Use of the App is entirely at your own risk.

11. Intellectual Property

All content, design elements, features, and technology used in the App are owned by us and protected under applicable intellectual property laws. Unauthorized use, copying, or distribution is prohibited.

12. Suspension and Termination

We reserve the right to restrict or terminate access to the App if these Terms are violated. You may discontinue use at any time by uninstalling the App.

13. Updates to Terms

We may revise these Terms from time to time to reflect changes in the Service or legal requirements. Continued use of the App after updates signifies your acceptance of the revised Terms.

14. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

  • Email: vekariyakrishnam@gmail.com

Acceptance

By using the All Bank Balance Passbook App, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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