- Introduction
Welcome to PRESMFI (“we”, “our”, “us”).
PRESMFI provides a mobile self-service application that allows users to access and manage financial and account-related services provided by [LEGAL COMPANY NAME].
This Privacy Policy explains how we collect, access, use, store, protect, share, retain, and delete personal information when you use the PRESMFI mobile application (“App”) and related services.
By using the App, you acknowledge that you have read and understood this Privacy Policy.
If you do not agree with this Privacy Policy, please do not use the App. - Information We Collect
We only collect information that is reasonably necessary to provide, secure, maintain, and improve our services.
Depending on the services you use, we may collect the following categories of information.
2.1 Personal Information
We may collect information such as:
• Full name
• Date of birth
• Gender, where required
• Residential or postal address
• Telephone/mobile number
• Email address
• Identification information
• Customer/member number
• Account number
• Profile information
• Employment or business information where required
• Information you provide when contacting customer support
The exact information collected depends on the services available to you.
2.2 Financial Information
Because PRESMFI provides financial services, the App may process financial and transaction-related information, including:
• Account information
• Account balances
• Savings information
• Loan information
• Loan application information
• Repayment information
• Transaction history
• Payment information
• Transaction references
• Financial records associated with your PRESMFI account
We use this information to provide financial services, display your account information, process transactions, prevent fraud, maintain accurate records, and comply with applicable legal and regulatory requirements.
2.3 Authentication and Security Information
To protect your account, we may collect or process:
• Username or customer identifier
• Password or authentication credentials
• One-time passwords (OTP)
• PIN or authentication information
• Authentication tokens
• Login timestamps
• Security and fraud-prevention information
Passwords and authentication credentials are handled using appropriate security mechanisms and should never be shared with another person.
2.4 Device and Technical Information
When you use the App, we may automatically receive certain technical information, such as:
• Device model
• Operating system and version
• App version
• Device identifiers where technically necessary
• IP address
• Network information
• Mobile network information
• Crash information
• Error logs
• Security events
• Date and time of App usage
This information may be used to maintain application security, troubleshoot technical problems, prevent abuse and fraud, and improve application performance.
2.5 Location Information
Only include this section if your application actually accesses location.
If location functionality is enabled and necessary for a particular feature, we may collect approximate or precise location information, depending on the permission granted by you.
Location information may be used for:
• Providing location-dependent services
• Security and fraud prevention
• Verifying service-related information
• Improving service functionality
The App will request the relevant Android permission when location access is required.
If your App does not use location, remove this section.
2.6 Camera and Images
Only include this section if your App uses the camera.
The App may request access to your device camera when necessary for features such as:
• Identity verification
• Document capture
• Uploading identification documents
• Profile or account-related services
Camera access is used only for the functionality for which permission is requested.
We do not use the camera for unrelated purposes.
If your App does not use the camera, remove this section.
2.7 Documents and Files
Only include this section if applicable.
You may be able to upload documents or files through the App.
These may include:
• Identification documents
• Financial documents
• Supporting documents
• Images
• Forms
• Other documents required to provide our services
Documents are processed for the purpose for which they were submitted and may be retained when necessary for legitimate business, legal, regulatory, security, or record-keeping purposes.
- How We Use Your Information
We may use collected information for the following purposes:
Providing our services
To:
• Create and manage your account
• Authenticate users
• Display account information
• Provide financial services
• Process transactions
• Process loan or savings-related services
• Provide customer support
• Send service-related notifications
Security and fraud prevention
We may use information to:
• Detect suspicious activity
• Prevent fraud
• Protect user accounts
• Investigate unauthorized transactions
• Protect our systems
• Prevent abuse of our services
Application operation
We use technical information to:
• Operate the App
• Fix errors
• Diagnose technical problems
• Improve reliability
• Monitor system performance
• Maintain security
Legal and regulatory compliance
We may process information when necessary to:
• Comply with applicable laws
• Meet financial-sector regulatory requirements
• Respond to lawful requests from authorities
• Maintain legally required records
• Prevent financial crime
• Detect and investigate fraud
Communication
We may use your contact information to send:
• Transaction notifications
• Security alerts
• Account notifications
• Service announcements
• Customer-service communications
• Important changes to our services
We will not use your personal information for unrelated purposes without appropriate authorization or a lawful basis. - How We Share Information
We do not sell your personal information.
We may share information only when necessary to provide services, protect users, operate our systems, or comply with legal obligations.
Information may be shared with:
Service providers
We may use trusted third-party service providers for services such as:
• Cloud hosting
• Application infrastructure
• SMS/OTP delivery
• Email delivery
• Payment processing
• Security services
• Technical support
• Application monitoring
Such providers may only process information as necessary to provide their contracted services and subject to appropriate protections.
Financial and business partners
Where necessary to provide requested services, information may be shared with authorized financial, payment, or service partners.
Government and regulatory authorities
We may disclose information when required by applicable law, court order, regulatory requirements, or lawful government requests.
Fraud and security investigations
Information may be disclosed when reasonably necessary to detect, investigate, prevent, or address:
• Fraud
• Unauthorized transactions
• Security incidents
• Illegal activity
• Abuse of our services - Third-Party Services and SDKs
The App may use third-party technologies and services necessary for functionality, security, analytics, communications, or infrastructure.
These services may process certain information according to their own privacy policies and contractual obligations.
Examples may include:
• Cloud infrastructure providers
• Authentication services
• Push notification services
• SMS providers
• Payment providers
• Crash reporting services
• Analytics services
We will only use third-party services that are appropriate for the functionality they provide.
Important: Before publishing, you should list the actual SDKs used by your Android application and make sure the Google Play Data Safety declaration matches them. Google explicitly requires developers to account for data handled through third-party libraries and SDKs. - Data Security
We take reasonable technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, loss, or destruction.
Depending on the information and service, security measures may include:
• Encryption of data transmitted over secure connections
• Authentication controls
• Access controls
• Secure server infrastructure
• Logging and monitoring
• Security testing
• Restricted employee access
• Password and credential protection
• Fraud detection mechanisms
• Backup and recovery procedures
However, no electronic transmission or storage system can be guaranteed to be completely secure.
You are responsible for keeping your account credentials, PINs, passwords, and OTPs confidential.
PRESMFI will never ask you to disclose your password or OTP through an unofficial channel. - Data Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy.
The retention period may depend on:
• The nature of the information
• The purpose for which it was collected
• The duration of your customer relationship
• Security and fraud-prevention requirements
• Financial and regulatory requirements
• Legal obligations
• Dispute resolution requirements
Some financial, transaction, identity, or regulatory records may need to be retained after account closure where required by applicable law or regulatory obligations.
When information is no longer required, we will take reasonable steps to securely delete, anonymize, or otherwise dispose of it. - Account and Data Deletion
You may request deletion of your PRESMFI account and associated personal information.
You may request account deletion through:
In the App:
[ADD THE EXACT IN-APP PATH, e.g. Profile → Settings → Delete Account]
Online:
[ADD YOUR ACCOUNT DELETION URL]
Email:
[PRIVACY/ACCOUNT-DELETION EMAIL]
When we receive a valid account deletion request, we will process the request in accordance with our applicable policies and legal obligations.
Where deletion is required, we will delete or anonymize personal information associated with the account.
However, certain information may need to be retained when required for legitimate purposes such as:
• Legal compliance
• Financial regulations
• Fraud prevention
• Security
• Dispute resolution
• Accounting and audit requirements
Any information retained for these purposes will remain protected and will not be retained longer than necessary.
Google Play requires apps that allow account creation to provide an account-deletion mechanism both inside the app and through an external web resource. - Your Privacy Rights
Depending on applicable law, you may have rights concerning your personal information, including the right to:
• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of information
• Request information about how your data is processed
• Withdraw consent where processing is based on consent
• Object to certain processing activities
• Request restriction of certain processing
• Request a copy of certain information
Some requests may be subject to legal, regulatory, security, or contractual limitations.
To exercise your rights, contact us using the details provided below. - Children’s Privacy
PRESMFI is a financial services application intended for its eligible customers and is not designed for children.
We do not knowingly collect personal information from children where such collection is prohibited by applicable law.
If you believe that a child has provided personal information through the App in circumstances where such collection is not permitted, please contact us so that we can investigate and take appropriate action. - Notifications and Communications
The App may send notifications relating to your account and services, including:
• Transaction notifications
• Payment notifications
• Security alerts
• Loan-related notifications
• Account updates
• Service announcements
You may be able to control certain notification permissions through your device settings.
Some essential service or security notifications may be necessary for the proper operation and security of your account. - International Data Processing
Depending on our infrastructure and service providers, your information may be processed or stored in countries other than the country in which you reside.
Where this occurs, we will take reasonable measures to protect your information and comply with applicable legal requirements. - Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
When we make changes, we will update the:
“Last Updated” date at the beginning of this policy.
Where appropriate, significant changes may also be communicated through the App, website, email, or other appropriate channels.
We encourage you to review this Privacy Policy periodically. - Contact Us
If you have questions, concerns, complaints, or requests regarding this Privacy Policy or your personal information, contact us:
App Name:
PRESMFI
Email:
dev@ekinzaghi
Website:
https://presmfi.com/ - Consent and Acknowledgement
By using the PRESMFI App, you acknowledge that you have read and understood this Privacy Policy and understand how your personal information may be collected, used, stored, shared, and protected as described above.
Where applicable, we will obtain any consent required by law before processing information for purposes that require consent.
PRESMFI