Mobile Banking Privacy Policy

6 May 2023|Mobile Banking Privacy Policy Mobile Banking Privacy Policy This page is used to inform Mobile application users/Website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy

All natural persons ("Covered Persons"), whose personal information is either collected/ received/ possessed/ stored/ dealt in/ handled by Siddheshwar Urban Co-Operative Bank Mydt Sillod who uses the bank’s mobile applications, who visit the site https://sucbsillod.bank.in/ and who provide information to Siddheshwar Urban Co-Operative Bank Mydt Sillod ("Bank") online, are covered under this Policy.

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy. The app does use third party services that may collect information used to identify you. This Policy seeks to cover personal information of the Covered Persons provided to Siddheshwar Urban Co-Operative Bank Mydt Sillod as also any information collected by the bank server from the visitor’s browser/mobile application. The ("Information"), i.e. any of the following:

"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:- financial information such as Bank account or debit card Password physical, physiological and mental health condition Biometric information sexual orientation medical records and history Contact Number & Images including photographs, location, email id and address Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for these purposes.

All Information collected shall be used for the relevant lawful purposes: (i) Connected with various functions or activities of the Bank related to services in which the Covered Person is interested, and/or, (ii) To help determine the eligibility of the Covered Persons for the product/services requested/ applied/ shown interest in, and/or, (iii) To enable Bank for verification and/or process applications, requests, transactions and/or maintain records as per internal/legal/regulatory requirements with regard to the Covered Persons and (iv)To provide the Covered Person with the best possible services/products as also to protect interests of Bank (v) The authenticity of the personal information provided by the customer shall not be the responsibility of the Bank. We may also share your Information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. Any Information may be required to be disclosed to any third party by us by an order under the law for the time being in force. In this regard, it may be necessary to disclose the Information to one or more agents and contractors of Bank and their subcontractors, but such agents, contractors, and sub-contractors will be required to agree to use the Information obtained from Bank only for these purposes. The Information will not be shared with any external organisation unless the same is necessary to protect the interests of the Bank or to enable the Bank to provide you services or to enable the completion/compilation of a transaction, credit reporting, or the same is necessary or required pursuant to applicable banking norms or pursuant to the terms and conditions applicable to such Information as agreed to with the Bank or pursuant to any requirement of law/regulations or any Government/court/other relevant authority’s directions/orders. Needless to add, confidentiality norms as applicable to banks shall be adhered to. The Bank may also share Information to provide you with superior services and a range of offers.

We want to inform you that whenever you use our Service or in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory. This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

We may employ third-party companies and individuals due to the following reasons: To facilitate our Service; To provide the Service on our behalf; To perform Service-related services; or To assist us in analyzing how our Service is used. We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

As per Information Systems security policies and procedures implemented in the Bank, Bank has implemented administrative, physical and technical safeguards to protect electronic personal data from loss, misuse and unauthorized access. Customers’ personal data shall be stored on a secured database. Bank shall not sell personal data to any third party or anybody and shall remain fully compliant with confidentiality of the data as per law. Bank shall share customers’ personal data to third party if required for business purpose only after implementing adequate controls to ensure maintenance of confidentiality and security of the data by the concerned third party. Auto Read OTP functionality: -It is recommended that each process of OTP validation shall have auto read facility of OTP in the Mobile application. Whenever the OTP send to the customer, mobile app shall auto populate the OTP in the required field instead of entering by keypad. SMS forwarding App / Remote access App: It is recommended that; the Mobile Application can have an ability to identify the “SMS forwarding Apps” as well as “Remote Access Apps” installed on the User’s handset. Based on the “AppID” of these kind of Apps, Mobile App shall restrict the users to access the login to the application if user have installed the listed apps. SMS Delivery status facility: SMS vendor should have Call back facility available to verify the status of SMS send from our end, also SMS vendor have “SMS Delivery receipt check” to know the delivery status of the SMS forwarded from our end. Mobile banking Application shall have ability to read/detect Installed Application on user’s device and upload it on bank’s secure server for keeping safe track of existing applications. App shall prohibit/restrict Mobile Banking Application usage incase of any listed application with likes of remote access applications and sms forwarder applications is detected. By agreeing to terms within Mobile banking application and written consent form undertaken from user during opting mobile banking feature it will be considered user have provided affirmative consent for all above mention disclosures. Privacy Policy for SMS Autofill This Privacy Policy describes how Mobile banking app collects, uses, and protects the information you provide when using the SMS autofill feature in our services. Information We Collect: Mobile banking app may collect and process the following information: SMS Content: Mobile banking app may access and analyze the content of SMS messages to provide autofill suggestions for relevant information such as OTPs (One-Time Passwords) or transaction details. Metadata: We may collect metadata associated with SMS messages, such as sender information, timestamps, and message status. Usage Data: Mobile banking app may collect data related to your use of the SMS autofill feature, How We Use Your Information: Improving Autofill Accuracy: We use the information collected to improve the accuracy and relevance of autofill suggestions provided to you. Security and Fraud Prevention: We use the information to enhance the security of SMS autofill and prevent fraudulent activities. Sharing of Information: Bank does not share your SMS autofill data with third parties except as described in this Privacy Policy or with your explicit consent. Data Retention: We retain SMS autofill data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.

Information provided by you are retained (for later of the) (i) as long as the purposes for which such data were collected continue. Or (ii) for such period so as to satisfy legal, regulatory or accounting requirements or to protect Bank's interests. The Covered Persons have authorized the Bank to exchange, share, part with all information related to the details and transaction history of the Covered Persons 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 or any of the aforesaid purposes and shall not hold The Bank liable for use or disclosure of this information. As regards the information collected from visitors of the mobile applications, website online (“visitor”), The Bank will use the Information to improve the Covered Person's experience on the site and make subsequent offers to the visitor on products which may be of interest to him / her, if so agreed while giving information. Siddheshwar Urban Co-operative Bank Mydt Sillod makes no warranty or representation regarding any content provided through this website and disclaims its liability in respect thereof. Any action on your part based on the said content is at your own risk and responsibility. Siddheshwar Urban Co-operative Bank Mydt Sillod, reserves its right to correct any part of the said content at any time as and when required at its sole discretion. The content of this website shall not be displayed or printed in any form in part or whole without the prior written approval of Siddheshwar Urban Co-operative Bank Mydt Sillod

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. The Bank also may disclose information about you as permitted or required by law. These changes are effective immediately after they are posted on this page.

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us. Effective Date 08.05.2023