We value the privacy and security of our members' and visitors' personal information. This Privacy Policy explains how we collect, use, protect, and disclose your personal data when you use our website and services. By accessing or using our services, you agree to the collection and use of your information as described in this policy.

1. Information We Collect

We may collect the following types of personal information when you interact with our services:

• Personal Identification Information: Name, contact details (address, phone number, email), date of birth, government-issued identification number (such as Aadhaar or PAN), etc.
• Financial Information: Bank account details, transaction history, loan details, deposit information, etc.
• Account Information: Membership details, loan applications, deposit details, and any other information relevant to your interaction with our services.
• Technical Information: Data about your use of our website (e.g., IP address, browser type, device details, location data, etc.)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide Services: To process membership applications, manage savings, investments, and loan services, and provide financial products tailored to your needs.
• To Communicate with You: To send account-related information, notifications about changes in services, promotional offers, updates, and other necessary communications.
• To Improve Services:To analyze trends, usage patterns, and service performance to improve user experience.
• To Comply with Legal Obligations: To fulfill any legal obligations and requirements set forth by the government and regulatory authorities.
• Fraud Prevention and Security: To protect our users and prevent fraudulent activities or unauthorized access.

3. How We Protect Your Information

We implement a variety of security measures to safeguard your personal information:

• Encryption: We use secure socket layer (SSL) encryption to protect sensitive information during transmission.
• Access Control: Only authorized personnel have access to personal data to perform their job functions.
• Data Storage: Your personal information is stored securely in our systems with limited access and strong security protocols.

4. Sharing Your Information

We will not share or disclose your personal information to third parties except under the following circumstances:

• With Service Providers: We may share your information with trusted third-party service providers who help us operate our website and provide our services (such as payment processors, loan agencies, etc.). These parties are contractually bound to maintain confidentiality and security of your information.
• Legal Compliance: If required by law or governmental regulations, we may share your personal information with authorities to comply with legal obligations or in response to a valid legal request (e.g., court order, subpoena).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

5. Cookies and Tracking Technologies

Our website may use cookies and other tracking technologies to enhance your experience. Cookies are small files stored on your device that help us recognize your preferences and improve site functionality.

• Cookies: These help us personalize your experience by remembering your preferences and analyzing usage patterns. You can control cookie settings through your browser settings.
• Analytics: We may use third-party services like Google Analytics to analyze how users interact with our website. These services may collect data such as IP addresses and usage behavior.

6. Your Rights and Choices

As a member or visitor, you have the following rights regarding your personal information:

• Access: You can request access to the personal information we hold about you.
• Correction: You can update or correct your personal information if it is inaccurate.
• Deletion: You can request the deletion of your personal information, subject to certain legal obligations.
• Opt-Out of Marketing Communications: If you no longer wish to receive marketing communications from us, you can opt-out at any time by following the unsubscribe link in the email or contacting us directly.

To exercise any of these rights, please contact us using the details provided below.

7. Third - Party Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies before providing any personal information.

8. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page, and the date of the last revision will be indicated at the top of the page. Please review this policy periodically to stay informed about how we are protecting your information.

9. Contact Us

If you have any questions or concerns about our Privacy Policy or how we handle your personal data, please contact us:

Registered Office
Giramiyan Mutual Benefit India Nidhi Limited
T.S.No. 6369, Yanaimaal Veethi,
Puthu Street, Thirukkokaranam,
Pudukkottai,
Tamil Nadu - 622002.

Contact Us
Phone : 1800 208 1237
Email   : cccare@giramiyan.in