Privacy Policy

1. Introduction

Welcome to MR Chits. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you access or use our mobile application, website, and related services.

This policy applies to all users of the MR Chits platform, including customers, members, agents, employees, and authorized representatives who use our services.

By using the MR Chits application, you agree to the collection and use of information as described in this Privacy Policy.

2. Information We Collect

A. Personal Information

To provide our chit fund services and maintain accurate customer records, we may collect:

• Full Name
• Mobile Number
• Email Address
• Residential Address
• Date of Birth
• Gender (where required)
• Government-issued identification documents
• PAN Card details
• Aadhaar or other identity verification details
• Passport-size photograph

B. Financial Information

We may collect financial information required for chit fund operations, including:

• Chit group details
• Chit subscription information
• Monthly installment payment details
• Payment transaction history
• Bank account details for authorized transactions
• Receipt and payment records

C. Device and Usage Information

When you use our application, we may automatically collect:

• Device type and model
• Operating system information
• Application usage information
• Login activity
• Error logs and crash reports

3. How We Use Your Information

MR Chits uses collected information for the following purposes:

• To create and manage your chit membership account.
• To verify customer identity and prevent fraudulent activities.
• To process chit subscriptions, payments, and transactions.
• To maintain payment records and generate receipts.
• To communicate important updates regarding chit payments, auctions, and account status.
• To provide customer support and resolve service-related issues.
• To comply with legal, regulatory, and auditing requirements.

4. Payment and Transaction Information

MR Chits may use secure third-party payment service providers to process online payments. We do not store your complete payment card details on our servers.

Payment information is processed securely according to the security standards of the respective payment service providers.

5. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties.

Your information may only be shared in the following situations:

• With authorized employees and representatives for providing chit services.
• With trusted service providers who assist with payments, notifications, hosting, and technical support.
• When required by law, government authorities, courts, or regulatory bodies.

6. Third-Party Services

MR Chits may use trusted third-party services such as:

• Firebase: For push notifications, app performance monitoring, and analytics.
• Payment Gateway Providers: For secure payment processing.
• Cloud Hosting Services: For secure storage and application hosting.

These third-party providers process information according to their own privacy policies.

7. Data Security

We take appropriate technical and organizational measures to protect your personal, financial, and account information from unauthorized access, alteration, disclosure, or destruction.

However, no electronic storage system or internet transmission method is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your information only for as long as required to:

• Provide chit fund services.
• Maintain financial and transaction records.
• Fulfill legal and regulatory obligations.
• Resolve disputes and enforce agreements.

9. User Rights

Users have the right to:

• Request access to their personal information.
• Request correction of incorrect information.
• Request account closure subject to applicable regulations.

Requests can be submitted by contacting MR Chits customer support.

10. Children's Privacy

MR Chits services are intended only for users who are 18 years of age or older. We do not knowingly collect personal information from children below 18 years without parental or guardian involvement.

11. Changes to This Privacy Policy

MR Chits may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements.

Any changes will be published on this page with the updated revision date.

12. Contact Us