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Privacy And Policy - BankGuide - Online Yojna Info

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Privacy Policy - BankGuide - Online Yojna Info

Privacy Policy

Effective date: August 25, 2025

App Name: BankGuide - Online Yojna Info

Developer: BankGuide Team / Owner

1. Introduction

This Privacy Policy explains how BankGuide - Online Yojna Info (“we”, “our”, or “us”) collects, uses, shares, and protects your information when you use our Android app.

By using our App, you agree to the collection and use of information as described in this policy.

2. Information We Collect

We do not collect any personally identifiable information (PII) such as name, address, email, phone number, or contact list.

Automatically Collected Data

  • Device & App Information: Device model, Android version, anonymous app instance ID, usage statistics (like which feature you use most), crash logs, and diagnostics are collected for stability and analytics.
  • App Activity: Actions such as which posts you read, like, share, bookmark, or view are collected anonymously to improve our content and user experience.
  • Notification Tokens: For sending app notifications only, using Firebase Cloud Messaging.

AdMob & Third Party Ads

  • Google AdMob is used to display advertisements. AdMob may collect, share, and process device identifiers, advertising IDs, IP addresses, and usage information for delivering personalized and non-personalized ads. See AdMob's policy: Google Privacy Policy.
  • We do not serve our own targeted ads or sell any data to third parties.

Permissions Declared in App

  • INTERNET: Required to access online content, fetch data, and display advertisements.
  • ACCESS_NETWORK_STATE: Detects your internet connectivity to optimize loading and serve content.
  • WRITE_EXTERNAL_STORAGE / READ_EXTERNAL_STORAGE: Used for saving or displaying article images or documents. We do not read your personal files.
  • POST_NOTIFICATIONS: Used to send you important information and article alerts.
  • WAKE_LOCK / VIBRATE: For delivering notifications responsively and with vibration if your device settings allow.

3. How We Use Your Data

  • To provide, operate, and maintain the core features of the app (post listings, likes, bookmarks, notifications).
  • To analyze how users interact with our content (anonymously) and improve usability and content quality.
  • To send relevant app notifications (you can disable these in your device settings).
  • To display third-party ads via Google AdMob.

4. Data Storage & Security

  • All data is stored securely in Google Firebase databases and protected by industry-standard mechanisms.
  • Data exchanged between app, server, and Google services is encrypted in transit (HTTPS).
  • We do not access or store any data beyond what is needed for app functions.

5. Data Sharing & Disclosure

  • We do not share, transfer, or sell your personal or usage data to any unauthorized third party.
  • Aggregated, non-identifiable analytics data may be shared with tools like Google Analytics or AdMob for service improvement and monetization.
  • AdMob may share limited device identifiers or ad data with its advertising partners. Please see: AdMob Data Policy

6. Children's Privacy

This app is not directed at children under 13. No knowingly collected personal data from anyone under 13 years of age.

7. Your Choices

  • You can disable notifications from app settings or your device settings.
  • Most ads are non-personalized for users who opt out of ad personalization via device settings.
  • No account creation or login is mandatory for using this app*.
*If in future, user login or registration is enabled, this policy will be updated to describe use of any personal data.

8. Data Retention

We retain data only as long as necessary for app functionality and legal requirements. Non-personal analytic data may be kept for aggregated trend analysis.

9. Administrative Access

  • includes an admin panel for content management.
  • accessible only to authorized administrators.
  • This does not affect end-user privacy or data collection*.
*"Admin panel is for content management only" "End users don't need to create accounts" "App works without any user registration".

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the app and/or on this page. We recommend you review the policy regularly.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at your@email.com.

Last updated: August 25, 2025