At Jamkhandi Urban Co-Operative Bank our principal concern is the responsible use of information that users and clients share and disclose to us. Jamkhandi Urban Co-Operative Bank's commitment towards guaranteed confidentiality and privacy at all times is clearly articulated in our Privacy Policy. We will use our best efforts to ensure that the information you submit to us remains private, and is used only for the purpose for which it is submitted.
This Policy holds true for a non-customer who has provided information to the Bank by any means, with or without the intentions of establishing a relationship, of whatsoever nature, with the Bank. By divulging any information to us, users agree to the terms and conditions of this Policy.
We collect information that users provide voluntarily to us. However, Jamkhandi Urban Co-Operative Bank will not share any user information with third parties without informing them at the time of collection or obtaining their explicit consent, except for the purposes and circumstances outlined in this Policy.
The collected information also includes, without limitation, user’s preferences relating to receiving marketing messages from us and our service providers, and user’s communication preferences.
As per this policy, information that is readily available or accessible in the public domain, or disclosed under the Right to Information Act of 2005, or any other applicable law, will not be considered as sensitive personal data or information.
The collected information will be used lawfully for various functions or activities of the Bank related to services in which the User is interested, to help determine the User's eligibility for requested products/services, to facilitate User verification and application processing, transactions, and record maintenance in compliance with internal/legal/regulatory requirements. The information collected will be utilized to provide the User with the best possible services/products while also protecting the Bank's interests.
Users shall ensure that all Personal Information provided to the Bank is accurate, up-to-date, and true. Users will be responsible for any errors, discrepancies, or inaccuracies in the Personal Information they share with us, except for such Customer Information that has been verified through KYC processes set out by applicable law and backed by documentary proof.
Jamkhandi Urban Co-Operative Bank may use the Customer Information for the purposes , inter –alia , customer identification/ verification, providing of financial services and products, for customization of products or services, marketing or promotion of financial products/ services; to check credit rating, enforcement of Customer obligations and such other purpose to facilitate optimal and high quality services.
Unless Jamkhandi Urban Co-Operative Bank specifically informs users at the time of collection, or unless users give express consent, Jamkhandi Urban Co-Operative Bank does not provide any personally identifying information to a third party. However, if permitted or required by law or subpoenaed or ordered by a court of law or to enforce the Terms and Conditions of the Products or services or to safeguard / defend our rights , interests and properties or that of our affiliates , Jamkhandi Urban Co-Operative Bank will have to disclose to the proper authorities the personal information of any individual user.
Jamkhandi Urban Co-Operative Bank may disclose the data created after statistical analysis (not tagged to identifiable users) to any person, without any limitation and the User hereby give your consent for the same. Jamkhandi Urban Co-Operative Bank may disclose Customer Information to any of the Jamkhandi Urban Co-Operative Bank’s associates and affiliates, without any limitation and the User / Client hereby give consent for the same.
We may disclose the Customer Information to third parties for purposes, inter alia, for advertising, for any joint product promotion campaigns or for availing support services, for participation in electronic clearing network etc.
We may also share with third parties, the information obtained with your consent, from your mobile device like device location, device information (including storage, model, installed apps, Wi-Fi , mobile network etc. ), transactional and promotional SMS , communication and call logs, for purposes including statistical analysis, credit rating etc. in order to enable us to provide you banking / financial services with high quality and standards. However, while disclosing any such information to third parties as afore-mentioned, we will make reasonable efforts to bind them with obligation to keep the same secure and confidential and an obligation to use the information for the purpose for which the same is disclosed, and you hereby give your consent for the same.
Jamkhandi Urban Co-Operative Bank will, as and when it deems fit to do so, change, alter or modify its Privacy Policy. Users are advised to visit the site continually in order to monitor changes in the policy, as the policy will be binding upon them in relation to their use of Jamkhandi Urban Co-Operative Bank 's services.
Jamkhandi Urban Co-Operative Bank uses SMS /OTP based procedure for activation of its official mobile applications & online platforms for security reasons & system administration purposes. We do not publicly disclose any personal or sensitive user data related to financial or payment activities or any government identification numbers to any third party, except in accordance with the terms of this privacy policy.
The Bank will give access to Customer Information to only authorised employees. Employees who violate this Privacy Policy shall be subject to disciplinary process as per the byelaws of the Bank. Any employee who withdraws from the employment of the Bank will have to undertake to abide by this Privacy Policy and keep all Customer Information secure and confidential. We educate our employees on their responsibility to protect the confidentiality of customer information, and hold them accountable if they violate this privacy policy.
We will keep the data we collect from you on our systems or with third parties for as long as required for the purposes set out in this Policy or even beyond the expiry of transactional or account based relationship with you: (a) as required to comply with any applicable legal and regulatory obligations, or (b) for establishment, exercise or defense of legal claims, or (c) as specified in this Privacy Policy, or (d) in accordance with specific consents obtained from you.