Privacy Policy - All Bank Balance Check & Pass

Privacy Policy

Last Updated: 09 September 2026

1. Introduction

Welcome to All Bank Balance Check & Pass ("App", "we", "our", or "us"). We highly value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how data is collected, used, stored, and secured when you download, install, or interact with our mobile application.

This Privacy Policy has been prepared in compliance with applicable regional data protection frameworks, local legal requirements, and key distribution platform guidelines, including:

• Information Technology Act, 2000 (India)
• Digital Personal Data Protection Act, 2023 (India)
• General Data Protection Regulation (GDPR), where applicable
• Google Play Developer Program Policies

By downloading, installing, or using the App, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy.

2. Developer Information

Application Name: All Bank Balance Check & Pass

Support Email: nayanstoreapps@gmail.com

Server Location: India

3. App Features

All Bank Balance Check & Pass is a utility tool designed to help users conveniently access public banking information, check balance inquiry numbers, manage offline passbook entries, and organize personal daily financial records.

The App includes:

• Missed Call & SMS Bank Balance Inquiry details for supported major banks
• Mini-statement request contact information and customer care helpline numbers
• IFSC & MICR Code Finder (searchable across banks and branch locations)
• Offline Digital Passbook / Personal Expense Manager (for manual entry and tracking of incomes and expenses)
• ATM and Bank Branch Locator quick links
• Financial and EMI Calculators (for calculating loan EMIs, interest rates, and banking estimates)

The App functions strictly as an information directory and offline ledger assistant. It does not provide direct online banking transactions, net banking login portals, fund transfers, credit services, or SEBI/RBI-regulated financial advice.

4. Information We Collect

A. Information You Voluntarily Provide

You may voluntarily provide information when configuring local passbook entries, saving notes, or contacting our support team:

• Email address (when submitting support requests or feedback)
• Inquiries, error reports, and feature suggestions
• Custom financial entries, account category tags, income/expense entries, and local notes created in your digital passbook

B. Information Collected Automatically

Certain technical and diagnostic details are collected automatically while using the App to ensure stability, proper layout formatting, and performance:

• Device hardware model, manufacturer, and screen specifications
• Operating system version and system language
• IP address (used to infer broad geographical location for localized banking numbers and compliance)
• Google Advertising Identifier (Advertising ID)
• Application performance metrics and telemetry
• Anonymized crash logs and usage analytics

C. Local Passbook & SMS Data Processing

All personal expense records, passbook entries, account balance tracking notes, and calculation values are processed and stored exclusively on your device's local internal storage.

If the App offers optional features to read transactional SMS messages sent by your bank to update your offline passbook automatically, such SMS processing happens 100% locally on your device. We do not read, transmit, upload, or back up your personal messages, bank accounts, passwords, or transaction details to our external servers.

5. How Information Is Used

We process the collected technical data and user inquiries for purposes including:

• Providing offline passbook tracking and display of publicly available bank inquiry numbers
• Optimizing application loading speed, UI responsiveness, and overall functionality
• Identifying, debugging, and fixing software crashes and performance issues
• Responding to user support emails and feedback
• Displaying contextually appropriate non-intrusive advertisements (where applicable)
• Maintaining application security and guarding against fraud, abuse, or unauthorized reverse engineering

We do not sell, rent, or trade your personal or technical data to third parties.

6. Third-Party Services

To support free utility features and monitor application stability, the App integrates trusted third-party software development kits (SDKs):

• Google AdMob (for advertisement delivery and monetization)
• Google Play Services (for underlying Android operating system APIs)
• Firebase Analytics / Crashlytics (for error tracking and performance metrics)

These third-party platforms may automatically process technical identifiers (such as Advertising ID or operating system version) according to their respective privacy policies. You can opt out of personalized advertisement tracking at any time by configuring your device settings (e.g., "Opt-out of Ads Personalization").

Where mandated by local laws, an explicit consent prompt will be displayed before initializing targeted advertising networks.

7. Sharing of Information

We do not sell or disclose your information except under the following necessary circumstances:

• When required to comply with applicable laws, judicial orders, or legal proceedings
• To protect our legal rights, application security, or the safety of users
• With trusted service providers supporting app diagnostic infrastructure under strict confidentiality obligations

8. Legal Basis for Processing

Your technical data is processed under the following lawful bases:

• Your explicit consent (e.g., opting in to personalized ads or allowing local permissions)
• Our legitimate business interests in maintaining, securing, and continuously upgrading the App
• Compliance with legal and regulatory mandates

9. Data Retention

Automatically collected technical and support data is retained only for as long as necessary:

• Anonymized telemetry and usage analytics: up to 24 months
• Crash diagnostic reports: up to 12 months
• Support communication history: retained until your request is completely addressed and closed

All personal passbook records, saved notes, and offline bank entries stay on your device and are wiped instantly when you clear the App's local storage or uninstall the App.

10. Permissions Used

• INTERNET – Required to load dynamic banking information, IFSC updates, ad banners, and transmit crash diagnostics.
• ACCESS_NETWORK_STATE – Required to evaluate active internet connection status before making server requests.
• AD_ID – Required by standard advertising frameworks for identification and frequency capping.
• CALL_PHONE (Optional) – Requested only if you choose to dial official bank missed-call balance inquiry numbers directly from inside the App.
• READ_SMS (Optional) – If applicable, requested only to parse bank transactional SMS messages locally on your device to update your offline passbook.

11. Security

We employ reasonable technical, administrative, and organizational safeguards (such as HTTPS transmission protocols for fetching online IFSC data) to protect against unauthorized access or alteration. However, please keep in mind that no method of digital storage or internet transmission is 100% secure.

12. Your Rights

Depending on your geographical jurisdiction, you may hold specific data protection rights:

• The right to access or retrieve a copy of the data we hold
• The right to correct inaccurate or outdated information
• The right to request data erasure
• The right to restrict or object to certain processing activities
• The right to withdraw processing consent at any time

To exercise any of these rights, please email us directly at: nayanstoreapps@gmail.com.

13. Children's Privacy

The App is not targeted to, or designed for use by, children under the age of 13. We do not knowingly compile personal data from young children. If you believe your child has shared personal information with us, please contact us, and we will promptly purge it from our systems.

14. International Data Transfers

If you access the App from outside India, please note that diagnostic or support information may be transferred to and processed in India or other locations where our service infrastructure operates. By using the App, you consent to such processing where permitted by law.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy periodically to reflect app enhancements, structural updates, or legal changes. When updates occur, we will adjust the "Last Updated" date displayed at the top of this document. We recommend checking this page periodically to remain informed.

16. Banking & Financial Disclaimer

All Bank Balance Check & Pass is an independent utility application created strictly for informational, educational, and personal record-keeping purposes.

• We are not affiliated, associated, authorized, endorsed by, or in any way officially connected with any bank, financial institution, Reserve Bank of India (RBI), or government agency.
• The App does not hold bank accounts, process monetary transactions, or provide internet banking access.
• Inquiry phone numbers, IFSC codes, and helpline details are sourced from public domains for user convenience. While we endeavor to keep details up to date, users should verify official numbers directly with their respective banks.
• The offline passbook feature is a personal budgeting tool; users are responsible for verifying actual balances via official bank statements.

17. Contact Us

If you have any questions, concerns, or feedback regarding this Privacy Policy or our overall privacy standards, please reach out to:

All Bank Balance Check & Pass Support
Email: nayanstoreapps@gmail.com