1. Introduction

Pachhapur Urban Co-operative Bank Ltd. ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our banking services, visit our website, or interact with us.

By using our services, you agree to the collection and use of information in accordance with this policy. We respect your privacy and are committed to maintaining the confidentiality of your personal and financial information.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Identity Information: Name, date of birth, gender, PAN card, Aadhaar number, passport details, and other government-issued identification documents.
• Contact Information: Address, phone number, email address, and emergency contact details.
• Financial Information: Bank account details, transaction history, credit history, income details, and tax information.
• Biometric Information: Fingerprints, photographs, and other biometric data as required by banking regulations.
• Employment Information: Employer details, salary information, and employment history.

2.2 Information Collected Automatically

When you visit our website or use our digital services, we may automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• Account Management: To open, maintain, and manage your bank accounts and services.
• Transaction Processing: To process your transactions, payments, and fund transfers.
• Credit Assessment: To evaluate your creditworthiness for loans and other financial products.
• Regulatory Compliance: To comply with legal and regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering) obligations.
• Service Improvement: To enhance our services, develop new products, and improve customer experience.
• Communication: To send you account statements, transaction alerts, promotional offers, and important notices.
• Fraud Prevention: To detect, prevent, and investigate fraudulent activities and security threats.
• Legal Requirements: To comply with court orders, legal processes, and government regulations.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party service providers who assist us in operating our business, such as payment processors, IT service providers, and credit bureaus.
• Regulatory Authorities: With banking regulators, government agencies, and law enforcement authorities as required by law.
• Credit Bureaus: With credit information companies to report your credit history and assess creditworthiness.
• Legal Requirements: When required by law, court order, or legal process.
• Business Transfers: In connection with any merger, acquisition, or sale of assets, subject to confidentiality obligations.
• With Your Consent: When you have provided explicit consent for sharing information.

5. Data Security

We implement robust security measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure servers and databases with restricted access
• Regular security audits and vulnerability assessments
• Employee training on data protection and confidentiality
• Multi-factor authentication for sensitive operations
• Firewall and intrusion detection systems
• Regular backup and disaster recovery procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide you with banking services
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements
• Maintain accurate records as required by banking regulations

After the retention period, we will securely delete or anonymize your information in accordance with applicable laws and regulations.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request access to your personal information we hold.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your information, subject to legal and regulatory requirements.
• Objection: Object to processing of your information for certain purposes.
• Data Portability: Request transfer of your information to another service provider.
• Withdraw Consent: Withdraw consent for processing where consent is the legal basis.

To exercise these rights, please contact us using the contact information provided below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookies through your browser settings, but disabling cookies may affect website functionality.

Types of cookies we use:

• Essential Cookies: Required for website functionality and security.
• Analytics Cookies: Help us understand how visitors use our website.
• Preference Cookies: Remember your preferences and settings.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational, legal, or regulatory reasons. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Displaying a notice on our website or in our branches

The "Last Updated" date at the top of this policy indicates when it was last revised. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

13. Consent

By using our banking services, visiting our website, or providing your information to us, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

If you do not agree with this policy, please do not use our services or provide us with your information.