Privacy Policy
Privacy Policy
Udham Singh Nagar District Co-Operative Bank is strongly committed to protecting the privacy of its users and has taken all necessary and reasonable measures to protect the confidentiality of the user information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the users.
Information can be broadly categorized as publicly available information and non public (both personal and financial) information. Non-public information is covered under this privacy policy. Publicly available information is any information Bank reasonably believes is lawfully publicly available. The nature of the information, not the source of the information, determines whether it is publicly available information for purposes of the privacy policy. To whom it applies? It applies to all our customers, account holders, consumers, clients, service providers, contractors, sub-contractors, affiliates and their clients.
What kinds of personal information do we collect and hold
When you apply for our products or services, we collect information that is necessary to be able to properly identify you, to know your requirements, expectations, and instructions in order to provide you with those products or services. For instance, we may ask for identification information such as your name, address, date of birth, details of services etc. Each time you visit our website, we collect information about your use of the website, which may include the date and time of visits, pages visited, location information, device used and IP addresses etc. We, including our service providers, may monitor record electronically, and retain telephone conversations and electronic communications between you (including anyone acting on your behalf) and us. We have electronic surveillance systems like closed circuit TV and video recording of certain sensitive locations where your images may be captured.
Mobile Applications
Udham Singh Nagar DCB mobile banking applications allow you access to your account balances, transfer funds, pay bills. This Policy applies to any personal or other information that we may collect through the mobile applications.
Where from and how We Collect Information about You
To help us serve your financial needs, provide services, and offer new products and services to you, we collect personally identifiable information about you from:
- Information you disclose when you visit our branch/office or our website;
- Information you disclose on phone or direct conversation or through email;
- Information we receive from you on online applications, forms, and instructions;
- Information we receive from you from the written documents submitted to us;
- Information about your transactions with us, our affiliates, and others;
- Other organizations, who jointly with us, provide products or services to you;
- Information we receive from Govt. organisations like UIDAI etc.
- Information we receive from consumer reporting agencies.
- Publicly available sources of information, such as public registers;
- Your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian, trustee, solicitor or attorney);
- Your employer;
- Commercial information service providers, such as companies that provide fraud prevention reports, credit scores, land records etc;
Udham Singh Nagar DCB endeavours to safeguard and ensure the security of the information provided by the user. The user would be required to co-operate with Udham Singh Nagar DCB in order to ensure the security of the information, and it is recommended that the users necessarily choose their passwords carefully such that no unauthorized access is made by a third party. The users should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it. Udham Singh Nagar DCB undertakes not to disclose the information provided by the users to any person, unless such action is necessary to:
- Conform to legal requirements or comply with legal process;
- Protect and defend Udham Singh Nagar DCB’s or its Affiliates' rights, interests or property;
- Enforce the terms and conditions of the products or services; or
- Act to protect the interests of Udham Singh Nagar DCB, its Affiliates, or its members, constituents or of other persons.
The users shall not disclose to any other person, in any manner whatsoever, any information relating to Udham Singh Nagar DCB or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle Udham Singh Nagar DCB or its Affiliates to terminate the services, without prejudice to any damages, to which the user may be entitled otherwise.
The user authorizes Udham Singh Nagar DCB Bank to exchange, share, part with all information related to the details and transaction history of the users to its Affiliates / banks /financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Udham Singh Nagar DCB liable for use or disclosure of this information.
Any information that is freely available or accessible in public domain or furnished under the right to Information Act, 2005 or any law for the time being in force shall not be regarded as data or information for the purpose of this and the bank shall not be responsible for the same. The Bank may from time to time change this policy.
Keeping your Bank account information up to date is very important. If your account information is inaccurate, incomplete, or not current, you should update it immediately by contacting us. You can ask us at any time to change the personal information with reasonable proof to justify the change. A fee may be charged for the change or it can be free as per the Banks rules at the time of the change. There may be circumstances in which we may not be able to give you access to your personal information or make changes/corrections due to restraint orders by regulators, judicial bodies, law-enforcement bodies or orders from the Government.
Links to Other Websites
Udham Singh Nagar DCB may provide links to other websites. Within our websites, there may be embedded applications, plug-ins, widgets, as well as links to third-party sites that may offer you goods, services, or information. Some of these sites may appear within our site. When you click on one of these applications, plug-ins, widgets, or links, you will leave our site and will no longer be subject to Udham Singh Nagar DCB Privacy Policy and privacy practices. We are not responsible for the information collection practices of the other sites that you visit, and we urge you to review their privacy policies before you provide them with any non-public information about you. Third-party sites may collect and use information about you in ways that are different from Udham Singh Nagar DCB privacy policy. Thus if you follow links to websites not controlled by the Bank, you take the responsibility of reviewing their privacy policies and other terms and provide your information, as they may be different from our website and Bank of India will not be liable for any disclosure of information resulting from such activity.
Resolving your concerns about your information
If you are concerned about how your personal information is being handled or if you would like to make a complaint, please contact us. We will handle your complaints in a time bound manner. You may also inform the Bank ombudsman or any other authorities.
Opting out of Information Sharing
You (a consumer, customer, account holder etc.) cannot opt out of all information sharing in all cases. You cannot opt out of information sharing with others where it is required to service you and your interest, market bank’s service and products, market services and products of affiliated companies, protect against fraud, protect national interest, against judicial, law enforcement orders and Government orders and such processes etc. Bank can stop sharing of your information with anyone to comply with orders of competent authorities, to protect its interest or the interest of its affiliate companies.
When user access Udham Singh Nagar DCB website from a computer, mobile application from mobile phone, or other device, the bank may collect information from that device about the browser type, location, and IP address, as well as the pages user visits. The websites keeps track of the pages a user may visit by appropriately capturing the IP addresses, browser information, etc. using cookies. The information collected using cookies might be used for analysis of user behaviour. Udham Singh Nagar DCB is not liable if the cookies are used by advertisers or any other third parties when user visit Udham Singh Nagar DCB website or mobile application from other sites or if user visit another site after visiting Udham Singh Nagar DCB website / mobile application.
Terminated Relationships
If your Bank account relationship is terminated Udham Singh Nagar DCB will not share information we have collected about you, except as permitted or required by law. Udham Singh Nagar DCB will irretrievably destroy the information after the limitation period as mandated by law or court order.
Updates to this Policy
This privacy policy is subject to change. It would be reviewed periodically, at least once in a year or upon any major changes in Acts / Rules/ guidelines/ technologies/ processes/ services/ banking products etc. Any changes and the reviewed policy will become effective when published and it will come into effect immediately.
Authority
The Board of the bank has approval for this policy. Any changes to this effective only after approval of the Board.
Disclaimer
You might have provided the same non-public information to other entities without the knowledge or permission of Udham Singh Nagar DCB. Udham Singh Nagar DCB will not be held liable for disclosure or sharing of such information from these sources.
Contact Us
If you have any questions regarding this kindly contact Udham Singh Nagar DCB.