1. Independent third-party utility
All Bank Balance Passbook is an independent third-party utility application developed and maintained by Krishnam Apps. The App is not affiliated with, endorsed by, sponsored by, or associated with:
- Any bank, banking institution or financial services company.
- The Reserve Bank of India (RBI).
- The Employees' Provident Fund Organisation (EPFO).
- The National Payments Corporation of India (NPCI).
- The Unified Payments Interface (UPI) ecosystem.
- The Government of India or any state government department.
- Any other regulator, agency or authority.
2. Purpose of the app
The App simply assists users in accessing banking services such as missed-call balance enquiry and SMS banking facilities that are officially provided by their respective banks. The App is read-only and informational in nature.
All data displayed inside the App is derived from:
- Bank SMS messages already present on the user's device (read on-device with permission), or
- Public information published by banks and government agencies, or
- Official bank services such as missed-call hotlines that the user triggers.
3. Bank names, logos and trademarks
All bank names, logos, brand assets and trademarks referenced inside the App or on this website are the property of their respective owners. They are used solely for the purpose of identifying the bank's publicly available service that the user can access. Their use does not imply any endorsement of, partnership with, or affiliation with the App or Krishnam Apps.
4. No financial advice
Nothing in the App or on this website constitutes financial, investment, tax, legal or accounting advice. The App is a utility tool only. Users should consult qualified professionals before making any financial decision.
5. Accuracy of information
While we make reasonable efforts to ensure the information presented in the App (such as bank holiday calendars, customer care numbers, and parsed SMS summaries) is accurate and current, we make no warranty as to its accuracy, completeness or timeliness. Users are advised to verify critical information directly with their respective bank before acting on it.
6. No banking transactions
The App does not perform any financial transaction. It cannot transfer money, pay bills, generate cheques, deposit funds, withdraw funds, or carry out any operation on behalf of a bank or user account.
7. External links
The App and website include shortcuts and links to third-party websites, including banks' official websites, EPFO portals and customer care numbers. We are not responsible for the content, accuracy, availability or practices of any third-party site or service.
8. Charges
While the App is free to use, your mobile network carrier may apply standard SMS or call charges when you use missed-call or SMS banking services. Data charges may apply when using the App's online features. We are not responsible for any such carrier charges.
9. Reporting concerns
If you believe any content inside the App or on this website infringes your rights, misrepresents your organisation, or should be corrected, please contact us at vekariyakrishnam@gmail.com and we will review and act promptly.
10. Acceptance
By installing or using the App, or by browsing this website, you acknowledge that you have read and understood this Disclaimer and the accompanying Terms of Service and Privacy Policy.