Privacy Policy
How we collect, use, and protect your personal information.
Effective Date: April 18, 2026
Last Updated: April 18, 2026
This Privacy Policy describes how Bhanjyang Saving & Credit Cooperative Society Ltd. ("we", "us", or "our") collects, uses, and protects information when you visit bhanjyang.coop.np (the "Website"). By using our Website, you agree to the practices described in this Policy.
1. Who We Are (Data Controller)
The data controller responsible for your personal information is:
Bhanjyang Saving & Credit Cooperative Society Ltd.Rupa Rural Municipality-5, Deurali, Kaski, Nepal
Email: info@bhanjyang.coop.np
Phone: +977-9856083101
2. What Information We Collect
2.1 Information You Provide Directly
When you submit our Contact Form, we collect:
- Full Name — to address you in our response
- Email Address — to send you a reply
- Phone Number (optional) — if you choose to provide it for follow-up
- Subject & Message — the content of your inquiry
- Privacy Consent Timestamp — the date and time you agreed to this Policy
2.2 Information Collected Automatically
When you visit our Website, we may automatically process:
- IP Address — temporarily, for security and spam prevention
- Browser type and operating system — via server logs
- Pages visited and time of visit — via server logs or analytics (if enabled)
- Referrer URL — the page you came from
We do not collect financial account data, passwords, or sensitive personal information through this Website.
3. How We Use Your Information
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Responding to your contact inquiry | Name, email, phone, message | Consent (form submission) |
| Sending an automated acknowledgement email | Name, email | Consent |
| Preventing spam, fraud, and abuse | IP address | Legitimate interest |
| Website analytics and performance improvement | Anonymised usage data | Legitimate interest |
| Complying with legal obligations | As required | Legal obligation |
4. Cookies
We use only the cookies necessary for the Website to function securely:
| Cookie | Purpose | Duration |
|---|---|---|
csrftoken |
Protects forms against cross-site request forgery attacks | 1 year |
sessionid |
Maintains your session state while browsing | 8 hours |
We do not use advertising, tracking, or profiling cookies. If Google Analytics is enabled on our server, it may set additional cookies (_ga, _gid) to collect anonymised usage statistics. You can opt out at tools.google.com/dlpage/gaoptout.
5. Sharing Your Information
We do not sell, rent, or trade your personal information. We may share it only in the following limited circumstances:
- Email service provider — to deliver our replies and acknowledgement emails to you. They process your email address on our behalf under a data processing agreement.
- Hosting / infrastructure provider — our server provider may process request data (including IP addresses) as part of delivering the Website.
- Legal requirements — if required by applicable Nepali law, court order, or government authority.
All third-party service providers are required to protect your information and may only use it for the specific purpose we engage them for.
6. Data Retention
- Contact form submissions — retained for up to 2 years from the date of submission, or longer if required by law or ongoing business correspondence.
- IP addresses (rate limiting) — automatically deleted after 1 hour.
- Server logs — typically retained for 30–90 days for security purposes.
- Analytics data — retained as per the analytics provider's policy (Google Analytics default: 14 months).
After the retention period expires, data is securely deleted or anonymised.
7. Data Security
We take reasonable technical and organisational measures to protect your information, including:
- HTTPS encryption for all data in transit
- CSRF protection on all forms
- Rate limiting and honeypot filtering to prevent automated abuse
- Access controls limiting who can view submitted inquiries
- HTTP Strict Transport Security (HSTS)
No method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
8. Your Rights
You have the following rights regarding your personal data:
- Right to Access — request a copy of the personal data we hold about you.
- Right to Rectification — ask us to correct inaccurate or incomplete information.
- Right to Erasure — request deletion of your personal data where there is no compelling reason for its continued processing.
- Right to Restrict Processing — ask us to pause processing of your data in certain circumstances.
- Right to Object — object to processing based on legitimate interests.
- Right to Withdraw Consent — where processing is based on your consent, you may withdraw it at any time. This does not affect the lawfulness of processing before withdrawal.
To exercise any of these rights, contact us at info@bhanjyang.coop.np. We will respond within 30 days. We may need to verify your identity before fulfilling your request.
9. Children's Privacy
Our Website is not directed at children under the age of 16. We do not knowingly collect personal information from children. If you believe a child has submitted personal data through our Website, please contact us and we will delete it promptly.
10. Links to Other Websites
Our Website may contain links to third-party websites (e.g., Google Maps). We are not responsible for the privacy practices of those sites and encourage you to read their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the Last Updated date at the top of this page. For significant changes, we will make reasonable efforts to notify you. We encourage you to review this page periodically.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact us:
Bhanjyang Saving & Credit Cooperative Society Ltd.Rupa Rural Municipality-5, Deurali, Kaski, Nepal
Email: info@bhanjyang.coop.np
Phone: +977-9856083101