Privacy Policy & Terms and Conditions

PRIVACY NOTICE

We are committed to protecting the privacy of our cooperative society members. By using our mobile application and services, you agree to the terms described in this policy.

1. Information We Collect

• Mobile device details (device ID, OS version, IP address)
• Access permissions (camera, storage, SMS if required)
• Usage data for improving services

2. How We Use Information

• To provide and maintain services
• To improve app performance and user experience
• For internal analytics and reporting

3. Sharing of Information

• Only with user consent
• To comply with legal obligations
• For cooperative operations and service delivery

4. Data Storage

Your data may be stored securely within India. We take all reasonable measures to protect your information.

5. Data Retention

We retain data only as long as required for operational and legal purposes.

6. Security

We use appropriate security measures, but no system is 100% secure.

7. Minors

Services are intended only for members above 18 years.

8. Your Rights

You can request to access, update, or delete your data by contacting us.

Contact

Email: admin@teachersbank.co.in
Address: TUMCOS LTD, APMC Yard, Channagiri - 577213

TERMS AND CONDITIONS

1. Getting Started

• Download the mobile app
• Register using mobile number and OTP
• Create a secure passcode

2. User Responsibilities

• Keep your password and OTP confidential
• Do not share your mobile device or login details
• Immediately report loss or misuse of device/SIM

3. Transactions

All transactions done using registered mobile number and OTP will be treated as authorized by the member.

4. Service Availability

We are not responsible for service interruptions due to network issues, system failures, or external factors.

5. Liability

TUMCOS LTD is not liable for any direct or indirect losses due to misuse, technical issues, or unauthorized access.

6. Device Compatibility

The application may not work on all devices. Users are responsible for compatibility.

7. Confidentiality

Member data may be shared within branches, affiliates, or required authorities as per cooperative and legal requirements.

8. Termination

We reserve the right to modify or terminate services without prior notice.

9. Governing Law

All disputes are subject to the jurisdiction of courts in Channagiri, Karnataka.