1. Information We May Collect

Depending on how you interact with us, we may collect or receive:

• Member and contact information: name, registered mobile number, membership or customer reference, and details needed to verify your identity.
• Account and service information: information relating to your eligible SNNL accounts, account statements or certificates displayed to you, and requests or feedback you submit.
• Device and technical information: device type, operating system, app or browser version, IP address, diagnostic information and security-related signals, where generated by the services.
• Website usage information: information about visits and interactions, including cookies or similar technologies where used.

2. How We Use Information

We may use information to verify members, provide access to our website and mobile services, display eligible account information, respond to enquiries and service requests, communicate service-related updates, maintain and secure our systems, troubleshoot issues, and meet applicable legal or regulatory requirements.

3. SNNL Dhanam Mobile Application

SNNL Dhanam is intended for registered members to access eligible account information and member self-service features. The app may use OTP-based verification and device-supported authentication options. Technical and security information may be processed to help protect the app and its services.

The app is for viewing account information and submitting service enquiries or requests. It does not provide in-app payments, deposits, withdrawals, money transfers or other financial transactions, or facilities to apply for, obtain approval for, or process loans.

The information and features available to a member may depend on their existing accounts, eligibility and access permissions.

4. Cookies and Website Technologies

Our website may use cookies or similar technologies to support website operation, remember preferences, understand website usage or improve the user experience. You can manage cookies through your browser settings. Blocking certain cookies may affect some website functions.

5. When Information May Be Shared

We may share relevant information, where necessary and subject to appropriate safeguards, with:

• Authorised SNNL employees and representatives who need it to provide member services.
• Service providers supporting activities such as hosting, communications, technical maintenance, security and customer support.
• Government, regulatory, law-enforcement or other authorities when required or permitted by applicable law.

We do not permit service providers to use member information for purposes unrelated to the services they provide to SNNL, subject to their applicable contractual and legal obligations.

6. Data Security

We use reasonable technical and organisational measures intended to protect information against unauthorised access, loss, misuse or alteration. No website, application or electronic transmission can be guaranteed to be completely secure.

7. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this policy, to provide services, resolve disputes, maintain records and comply with applicable legal and regulatory obligations. The retention period may vary depending on the type of information and the reason it was collected.

8. Your Requests and Choices

You may contact SNNL to request access to or correction of your personal information, or to raise a privacy-related concern. We may need to verify your identity before acting on a request. Some information may need to be retained where required by law or for legitimate business and regulatory purposes.

9. Third-Party Services and Links

Our website or app may contain links to third-party websites or rely on third-party service providers. Their services are governed by their own privacy terms. We encourage you to review those terms when using an external service.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The revised version will be published on this page with an updated revision date. Please review this page periodically.

11. Contact Us

For questions, requests or concerns relating to this Privacy Policy, contact Shri Narayani Nidhi Limited: