This Privacy Policy describes the policies and procedures regarding the collection, use, processing, storage, and disclosure of information when users access or use the boCHE SchemePay mobile application and explains users' privacy rights.
The application is developed and operated by Chemmanur Gold Palace International Limited.
boCHE SchemePay is intended for customers associated with eligible schemes offered by the Company.
By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
Access to boCHE SchemePay is provided to eligible scheme customers.
Users may access the application using their registered mobile number and password.
The application does not provide direct public account registration. Customers who wish to access the Service may submit an access or registration request to the Company.
Authentication information is used only to verify user access and provide authorized access to scheme-related services.
boCHE SchemePay may display or process customer-related information obtained from Company-managed systems to provide application functionality.
This may include information necessary to authenticate users, identify eligible scheme accounts, display scheme-related information, process installment payments, and display transaction records.
The application does not independently collect personal information for advertising purposes.
The application may request access to the device's location.
Location access is used only for application functionality and operational requirements associated with the Service.
The application does not use location information for advertising purposes.
Location access is subject to device permissions, and users may manage location permissions through their device settings.
Location access is subject to device permissions, and users may manage location permissions through their device settings.
boCHE SchemePay uses push notification services, including Firebase Cloud Messaging, to provide relevant application notifications.
Online payment transactions are processed through the Airpay payment gateway.
Payment information required to complete a transaction may be entered and processed through the payment gateway's secure payment environment.
boCHE SchemePay and Chemmanur Gold Palace International Limited do not store users' CVV, UPI PIN, bank account passwords, or other confidential payment authentication credentials within the application.
Payment processing may be subject to the terms, security practices, and privacy policies of the payment service provider.
The Company may receive and maintain payment-related transaction information such as transaction status, transaction identifier, payment mode, installment amount, and payment date for operational, reconciliation, and customer service purposes.
boCHE SchemePay allows eligible customers to make online payments related to their schemes and installments.
Online payment transactions are processed through the Airpay payment gateway.
Payment information required to complete a transaction may be entered and processed through the payment gateway's secure payment environment.
boCHE SchemePay and Chemmanur Gold Palace International Limited do not store users' CVV, UPI PIN, bank account passwords, or other confidential payment authentication credentials within the application.
Payment processing may be subject to the terms, security practices, and privacy policies of the payment service provider.
The Company may receive and maintain payment-related transaction information such as transaction status, transaction identifier, payment mode, installment amount, and payment date for operational, reconciliation, and customer service purposes.
The Company may use information processed through boCHE SchemePay to:
The Company does not sell, rent, or trade users' personal information.
Information may be shared with authorized Company systems and personnel, payment service providers where necessary to process transactions, technology service providers supporting application functionality, and government or legal authorities when required by applicable law.
The application does not share customer information with third-party advertisers.
Scheme, installment, and transaction-related records may be maintained as part of the Company's business, financial, customer service, audit, and legal records.
Information is retained only for as long as reasonably necessary for operational requirements, legal obligations, financial reconciliation, dispute resolution, fraud prevention, and Company record-keeping requirements.
Retention periods may vary depending on the nature of the information and applicable legal requirements.
The Company uses reasonable technical and organizational safeguards to protect information processed through the Service.
Security measures may include secure network communication, restricted access to Company systems, authentication controls, and server-side access controls.
Payment authentication credentials are processed through the payment gateway and are not stored within the boCHE SchemePay application.
However, no electronic storage system or method of internet transmission can be guaranteed to be completely secure.
boCHE SchemePay does not support unrestricted public account registration.
The Service is intended for eligible scheme customers.
Customers may request access to the application, and access may be provided or managed by the Company based on eligibility and Company procedures.
Deletion requests will be reviewed and processed in accordance with applicable legal requirements, financial record-keeping obligations, contractual requirements, and Company policies.
Certain information, including payment, transaction, scheme, audit, or legally required records, may need to be retained even after an account access deletion request.
Users cannot directly delete their account or Company-maintained scheme and transaction records through the application.
Users may submit a data or account-related request by contacting the Company.
Deletion requests will be reviewed and processed in accordance with applicable legal requirements, financial record-keeping obligations, contractual requirements, and Company policies.
Certain information, including payment, transaction, scheme, audit, or legally required records, may need to be retained even after an account access deletion request.
boCHE SchemePay is not intended for use by children.
The Service is intended for eligible customers who are authorized to access Company scheme services.
The Company does not knowingly collect personal information from children for advertising or marketing purposes through the application.
boCHE SchemePay does not display third-party advertisements.
User information is not collected or shared for third-party advertising purposes.
The application may use third-party services to provide payment processing, push notifications, and technical application functionality.
These services may process limited information as necessary to provide their respective services.
Third-party services operate according to their own terms and privacy practices.
The Company may disclose information when reasonably necessary to comply with applicable laws or legal obligations, respond to lawful requests from government or regulatory authorities, protect the Company's rights and property, investigate fraud or misuse, or protect users and the security of the Service.
The Company may update this Privacy Policy periodically.
Changes may be made to reflect updates to application functionality, legal requirements, Company practices, or third-party services.
Updated versions of this Privacy Policy may be made available through the application or official Company channels.
If you have any questions:
Chemmanur Gold Palace International Limited
Kozhikode, Kerala, India