Privacy Policy – Credfico Society
Effective Date: 10.09.2026
1. Introduction
Welcome to Credfico Society, a mobile application provided by
Credfico Consultancy Private Limited (“Credfico”, “We”, “Us”, or “Our”).
Credfico Society is designed to provide digital society billing, accounting,
payment support, reporting, visitor-related services, notices, task management,
and related online services.
We respect your privacy and are committed to protecting your personal information.
This Privacy Policy explains what information may be collected through the
Credfico Society Android application (“App”), how we use it, how it may be shared,
and the choices available to you.
By using the App, you acknowledge that you have read and understood this
Privacy Policy.
2. Information We Collect
Depending on how you use the App and the services enabled for your society,
we may collect the following information.
A. Personal and Account Information
- Name
- Mobile/telephone number
- Email address
- Society name
- Flat/unit information
- Username or account identification information
- Other information provided during registration or onboarding
B. Society Billing and Accounting Information
Where applicable, the App may process information relating to:
- Monthly bills and member invoices
- Payment records
- Outstanding/overdue amounts
- Expense and ledger information
- Bank reconciliation information
- Income and expenditure records
- Financial reports
- NOCs and notices
- Other information required to provide society billing and accounting services
C. Visitor Information
Where visitor-management functionality is enabled, the App may process
information such as:
- Visitor name
- Visitor contact information
- Visit details
- Date and time of entry/exit
- Visitor approval or verification information
- Other information necessary for visitor access management
D. Payment Information
Payments may be processed through UPI, payment gateways, banks, or other
payment service providers.
We may receive information relating to a payment or transaction, such as
transaction reference, payment status, amount, and date.
Payment credentials such as UPI PINs, card PINs, or banking passwords
are not required to be shared with Credfico.
E. Device and Technical Information
When you use the App, certain technical information may be processed, which
may include:
- Device type
- Android operating system/version
- App version
- IP address
- Device/network information
- Error and diagnostic information
- Information necessary to maintain App security and functionality
F. Camera and Media Access
Certain App functions may require access to your device camera or media files,
for example where the user chooses to capture or upload information.
Such access is requested only when required for the relevant functionality
and subject to the permissions granted by the user.
G. Notifications
The App may send notifications relating to services such as:
- Bills and payments
- Visitor activity
- Notices
- Account or service updates
- Other important information relating to the services
You can manage notification permissions through your Android device settings.
3. How We Use Information
We may use the information collected through the App to:
- Create and manage user accounts
- Provide society billing and accounting services
- Generate and share member invoices
- Maintain billing and payment records
- Support online payments
- Provide financial and accounting reports
- Maintain digital records
- Manage visitor-related activities where enabled
- Send notifications and service communications
- Provide customer support
- Prepare notices and NOCs where applicable
- Manage tasks and service-related activities
- Maintain and improve the App
- Detect and prevent unauthorized activity or misuse
- Meet applicable legal, regulatory, accounting, and compliance requirements
4. WhatsApp, Email and Other Communication Services
Where enabled, Credfico may use communication channels such as
WhatsApp, Email, SMS, telephone, or other service providers
to deliver bills, invoices, notifications, notices, support messages,
or other service-related communications.
These communications may be subject to the privacy policies and terms of
the respective service providers.
5. Payment and Third-Party Service Providers
To provide certain services, we may use third-party service providers,
including payment gateways, hosting providers, communication providers,
analytics or technical service providers, and other vendors necessary
for operating the App.
Such providers may process information only as necessary to provide their
services or as otherwise permitted by applicable law.
We do not sell your personal information to third parties.
6. Data Sharing
We may share or provide access to information where reasonably necessary:
- With your society, authorized office bearers, administrators, or authorized service personnel
- With service providers assisting us in delivering the App and related services
- With payment gateways, banks, or financial service providers when required to process transactions
- With communication providers for delivering authorized communications
- With government, regulatory, law-enforcement, or other authorities where required by applicable law
- Where necessary to protect the rights, security, property, or safety of Credfico, users, or others
We do not sell personal information for advertising purposes.
7. Data Security
We take reasonable measures designed to protect information handled through
the App against unauthorized access, misuse, loss, alteration, or disclosure.
However, no electronic transmission or storage system can be guaranteed to
be completely secure. Users should also take appropriate steps to protect
their account credentials and device.
8. Data Retention
We retain information for as long as reasonably necessary to:
- Provide the requested services
- Maintain accounting and transaction records
- Meet applicable legal, regulatory, tax, audit, and compliance requirements
- Resolve disputes
- Enforce agreements and protect our legitimate interests
When information is no longer required, it may be deleted, anonymized,
or securely disposed of, subject to applicable legal requirements.
9. Your Choices and Rights
Subject to applicable law, you may request:
- Access to your personal information
- Correction or updating of inaccurate information
- Deletion of information where legally permitted
- Information about how your information is used
- Withdrawal of certain permissions granted to the App
Some information may need to be retained where required by law or necessary
for legitimate business, accounting, audit, security, or compliance purposes.
You may also manage Android permissions such as notifications, camera,
and media access through your device settings.
10. Children’s Privacy
Credfico Society is intended for users who are 18 years of age or older.
We do not knowingly collect personal information from children under 18
for the purpose of providing the App’s services.
If you believe that information relating to a child has been provided to us,
please contact us so that we can review and take appropriate action.
11. Account and Data Deletion
If you wish to request deletion of your Credfico Society account or
associated personal information, you may contact us using the details
provided below.
Some information may be retained where required for legal, accounting,
tax, audit, security, dispute-resolution, or regulatory purposes.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes
to our services, the App, applicable laws, or our data practices.
The updated Privacy Policy will be published on our website with a
revised Effective Date.
13. Contact Us
For questions, requests, or concerns regarding this Privacy Policy
or the handling of your personal information, please contact:
Credfico Consultancy Private Limited
Email:
info@credfico.com
Phone: +91 94296 92187
Website:
www.credfico.com
Registered Office:
1171, 7th Floor, Solitaire Corporate Park,
MIDC Andheri (E), Mumbai – 400093,
Maharashtra, India.
By using Credfico Society, you acknowledge that you have read
and understood this Privacy Policy.