1. Introduction
Koperasi Simpan Pinjam Ngardi Rahayu Bali values and is committed to protecting the privacy of every member who uses the Ngardi Rahayu Mobile application. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information.
By using the Ngardi Rahayu Mobile application, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
2. Information We Collect
We collect personal information necessary to provide cooperative services to members, including:
- Full name and National Identity Number (NIK)
- Cooperative member account number
- Phone number
- Account balance and transaction history
- Savings and loan information
- Device token for push notifications
- Location data (if enabled by the user)
- Camera and photo gallery access for QR code scanning
3. Use of Information
Personal information is used for:
- Identity and cooperative membership verification
- Transaction processing and cooperative services
- User account management
- Sending notifications and transaction information
- Enhancing account security
- Prevention of misuse and fraud
- Compliance with applicable regulations
- Development and improvement of application services
4. Device Access Permissions
The Ngardi Rahayu Mobile application may request the following permissions:
- Camera to scan payment QR codes
- Photo gallery to select QR code images
- Location to display the nearest branch office
- Notifications for transaction alerts and account information
You may decline or revoke these permissions through your device settings in accordance with the policies of the operating system you use.
5. Data Storage and Security
We implement reasonable security measures to protect personal information from unauthorized access, use, alteration, or disclosure.
Data communication is carried out using appropriate security mechanisms, and access to data is restricted only to authorized parties.
Personal data may be retained for as long as necessary to fulfill the purposes of the service, legal obligations, and the operational needs of the cooperative.
6. Sharing Information with Third Parties
We do not sell or rent your personal information to any party.
Information may be shared with third parties under the following circumstances:
- Payment partners or service providers required to process transactions
- Technology infrastructure providers that support application operations
- Government agencies or law enforcement in accordance with applicable laws and regulations
Any third party that receives data is required to maintain the confidentiality and security of the information received.
7. Your Rights as a User
As a user, you have the right to:
- Access your stored personal data
- Update or correct your personal data
- Submit a request for account deletion in accordance with applicable provisions
- Withdraw consent for the use of certain data
- File an objection or complaint regarding the use of personal data
8. Changes to the Privacy Policy
We may update this Privacy Policy from time to time. Changes will be communicated through the application or other official channels when necessary.
The latest version of the Privacy Policy will always be available on this page.