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Manapparai Sathi

Privacy Policy

1. Ownership and Regulatory Framework

Welcome to Manapparai Sathi, a specialized credit card management platform dedicated to your financial empowerment. We operate with a "Security-First" philosophy, ensuring that every byte of your financial data is handled with rigorous integrity and transparency. This policy is structured to align with the Digital Personal Data Protection Act (DPDPA) of India and other applicable regional financial guidelines. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.manapparaisathi.com

2. Categorization of Data Collection

To facilitate premium credit services and maintain a fortified app environment, we collect specific datasets. Providing "Optional" data is not mandatory, though it may limit access to specialized features.

Communication Credentials (Mobile Number)

We require your primary mobile number to establish a secure link with your credit profile. This is essential for dispatching real-time transaction alerts, fraud warnings, and mandatory account updates.

Electronic Correspondence (Email - Optional)

If provided, your email serves as a secondary authentication layer and a channel for receiving detailed monthly credit statements and legal notices.

Visual Documentation (Camera & Images - Optional)

Access to your camera allows you to upload KYC documents or capture receipts for credit dispute resolutions, enhancing the accuracy of your financial records.

Safety Network (Emergency Contacts)

We collect designated contact details to provide an additional layer of security. This information is only utilized to reach out during critical account anomalies or if we suspect unauthorized access that requires immediate verification.

Digital Identifiers (User/Device/Advertising IDs - Optional)

These identifiers help us synchronize your credit data across platforms and prevent "Account Takeover" attacks by recognizing authorized hardware. Advertising IDs help us refine product suggestions, which you can opt-out of via system settings.

Geographical Context (Approximate Location - Optional)

We utilize coarse location data to ensure your activities align with Indian financial jurisdictions and to prevent cross-border fraudulent transactions.

Diagnostic Reports (Crash Logs)

Technical telemetry regarding app failures is automatically logged. This allows our engineering team to rectify bugs swiftly, ensuring your financial management is never interrupted.

Security Scanning (Installed Applications)

We monitor the list of applications on your device specifically to detect high-risk "Trojan" apps or screen-recording software that could compromise your credit card credentials.

Verification Support (Call Logs - Optional)

If authorized, access to call history is used strictly for automated identity verification during the onboarding phase to streamline the registration process.

Hardware Telemetry (Device Metrics)

We analyze technical attributes such as storage availability, battery health, Bluetooth status, RAM usage, and sensor data. This creates a "Device Fingerprint" to block automated bot scripts and optimize app performance for your specific model.

3. Data Integrity and Lifecycle

Encryption

All data in transit is shielded via 256-bit SSL/TLS encryption.

Retention

In compliance with Indian financial regulations, we archive transaction-related data for five (5) years post-account closure for audit purposes.

Erasure

You maintain the "Right to be Forgotten." Upon a valid request, we will purge your personal data within 15 business days, subject to statutory retention requirements.

4. Contact and Grievances

For any inquiries regarding your data rights or this policy, please reach out to our Grievance Officer: