Policy

Privacy Policy

TJSB Sahakari Bank Ltd. (“Bank” / “our” / “we” / “us”) is strongly committed to protect the privacy of its users personal information and sensitive personal data or information, including information that is of a confidential nature (“Customer Information”) belonging to the customers, potential customers, and other users of the Services (“Customer/s”/ “Users”) and has taken all necessary and reasonable measures to protect the confidentiality of the user information and its transmission through its Digital Platform 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.

1. Applicability:
This Privacy Policy (“Policy”) is applicable to all the services availed via our Digital platforms including website (https://www.tjsbbank.co.in/), Internet Banking service, all mobile banking applications and /or all online services, the mobile site/applications offered by us or other point of sales, third party platforms, or through communications, by electronic means or otherwise, or any other mode / Platform, with regards to subscription, refunds or cancellation policy or any other Policy introduced by us from time to time (“Services”).

2. What information does the Bank collect:
Bank may collect, receive, possess, store, use, deal, handle, transfer, retain and otherwise process Customer information which may include Customer name, signature, email addresses, phone numbers addresses, KYC/identity documents as may be prescribed by Regulatory Authorities from time to time (Biometric data (information such as your fingerprint, etc which you choose to provide to the Bank for authentication and fraud prevention purposes and the same will not be used without the user’s explicit consent.), communications with the Bank, device and location data (which includes information that may be collected by certain mobile applications which identify your physical location. This information may be collected from your mobile device’s location aware features when the user requests certain services that are dependent on your physical location, information about how you use our Services, financial information etc.

3. For the purpose of this Policy: “Digital Platform” shall include our mobile application i.e. TJSB Applications, white-label applications, or any other applications for iOS, Android, or any other web browser services, developed by/for third parties like TJSB society app, Internet Banking, TJSB Mobile Banking app and Unified Payments Interface (UPI - PSP ), applications from through Bank’s or any merchant’s or TPAP’s channel or application, that the Bank as a PSP Bank received transaction data and POS devices or any other application, software, Payment Gateway, etc. which may be developed or hired by the bank from time to time

4. Personal Data: Personal Data may be classified as Personal Data – personally identifiable information, Sensitive Personal Data or information and Non-Personal information which is described as follows:
i. “Personal Data” – (Personally identifiable Information) refers to data that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, online applications or similar online fields. Examples may include your name, previous names, postal address, email address, telephone number, date of birth or account information.
ii. “Sensitive Personal Data or Information” – Information such as user’s occupation (whether self-employed or employed by someone) and financial situation, name and address of the employer, the nature and volume of anticipated business dealings, with the conventional bank licensee, income proof, bank statements, income tax returns, salary slip, contract of employment, passbook, debit/credit card details, expenditures, assets and liabilities, source of wealth, signature, as well as other bank account details Sensitive Information also refers to the Financial information such as Bank account or debit card or other payment instrument details; passwords; Government issued Identification documents such as AADHAAR, Pan Number, Driving Licence etc.. 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.
Sensitive Personal Data such as gender, medical records and history of the user; Personal Data that users provide to the Bank about others or others provide to the Bank about the user.
iii. Non-Personal Information – It is the information that cannot be used to identify the user such as the webpages that the user might have viewed and other usage patterns.
iv. Transaction Data – Data we collect when you make financial and non-financial transactions. Data may include information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geo-location Information. Generation and storing user password/s or PIN in an encrypted format based on user request on our Digital Platform;
v. Device Information – Unique device identifier such as IMEI number, contact lists (in some cases), technical data about your computer and mobile device including details regarding IP address, applications and usage details.
Use of our Digital Platform shall mean visiting an Digital Platform owned and /or controlled and/or operated by or for the Bank including to access your accounts, use our EVA service, conduct online transactions, etc.; viewing or clicking on our advertisements, posts, on third party sites that redirect you to our Digital Platforms; interacting with us on third party sites, etc.
vi. Other information

• User’s photographs;
• Social relationship details such as name of user’s father, spouse, or mother;
• Behavioural details as to how the user utilises the Bank’s products, services, offers, etc, as well as the browsing action, online patterns and activity of the user;
• Records of correspondence and other communications between the Bank and the user, including email, telephone conversations, live chat, instant messages and social media communications containing information concerning user’s grievances, complaints and dispute;
• And any other information as may be required under regulatory guidelines issued from time to time

5. How is the data collected:

• Based on the information of the devices the user uses to interact with the Bank, the Bank uses information (including location information) about such devices used for interaction.
• When a user provides his/her personal information in applications and/or surveys or other similar fields;
• The telephonic conversation exchanged between the user and the Bank may be recorded by the Bank; such recordings may be used for quality purposes, assessing and analysing for improving our services, training our employees, managing risk and/or to prevent commission of any fraud or crime.
• The information that you provide, subject to disclosure in accordance with this Policy and Terms of Service, shall be maintained in a safe and secured manner. Banks databases and Information are stored on secured servers with reasonable security measures being implemented.

6.Purpose of collecting your Personal Data:

• To offer our products and/or services to the user which the user may have applied for or displayed interest in;
• The data that we collect helps us to know whether the user is eligible for the products and/or services offered by the Bank;
• In order to provide the user with products or services that the user has requested such as, fulfilling a payment request or any other transaction
• The Personal Data that the Bank collects helps the user to apply to the products offered by the Bank such as prequalifying for a loan, credit card, opening an account, insurance or any other financial product offered by the Bank;
• By collecting the user data, the Bank can respond to the user’s enquiries and/or queries and address the requests made by the user;
• The Bank endeavours to personalise user’s experience on our Digital Platform;
• To deliver marketing communications that may interest the user;
• To inform any important information with respect to our Digital Platform, any change in the terms and conditions and/or policies and/or other relevant administrative information;
• In order to perform our obligations under the KYC norms (e.g. sharing user information with third parties to verify details provided by the user to the Bank such as, your identity, in view of authenticating the user and verifying user information;
• Your personal data allows the Bank to, perform activities such as, audits, usage trends and improving our products and services, enhancing the Digital Platform;
• Your personal data also allows us to detect, prevent and control fraud, in accordance with the prevailing laws and regulations and to comply with any other legal process and/or law enforcement requirements;
• In order to allow the user to utilise the features on our Digital Platform by granting us access to the information from user device such as contact lists or geo-location, when you request certain services from the Bank;
• To use in other ways. in accordance with the law or with the consent of the user as required or permitted;
• With a view to manage Bank’s relationship with you;
• In order to prevent and/or detect any crime such as, financing terrorist activities and/or human trafficking;
• For security, business continuity and risk management;
• For protection of any legal rights and in compliance with any legal obligations;
• For system and/or product development and planning, audit and administration, etc;
• For the purpose of entering into any contract with the user and/or to take steps pursuant to user’s request prior to entering into any contract;
• In view of meeting the legitimate interests to be pursued by the Bank or a third party;
• In order to evaluate the user with respect of the products and/or services and the referred products;
• For the purpose of scrutinising user’s credit score and other credit information with a view to share the said information with credit information companies, for the purpose of offering cross-sell services and products of the Bank and offering the same to you through various third-party merchants or service providers with whom the Bank has a tie up;

7.With whom the Data is shared:

• Statutory and regulatory bodies and/or authorities including but not limited to RBI or the Securities and Exchange Board of India (Including Central and State government);
• Law enforcement authorities, entities, persons to whom or before whom it is mandatory to disclose the personal data as the applicable laws for the time being in force, courts, judicial and quasi-judicial authorities and/or tribunals, arbitral tribunal.
• In an effort to provide the user enhanced services, the Bank may share such user information with its Subsidiaries and/or affiliates and/or third-party service providers and/or processors of information, in accordance with permissible laws and regulations;
• Third party to comply with legal requirements such as demands of applicable warrants, court orders for the purpose of verifying or enforcing our terms of use, other rights, or any other applicable policy of the Bank to address fraud, security or technical issues, or otherwise to protect the rights or security of the users or third parties;

The user agrees that by using our Digital information or by agreeing to transact with the Bank, the user agrees to share the aforesaid information.

8. Personal data of children:

• The Bank ensures that no personal data with respect to a child shall be processed by the Bank without the parental/ guardian consent of such child. Further, no data that is likely to cause any harm to a child shall be processed;
• No tracking and/or behavioural monitoring of a child shall be undertaken by the Bank;
• No targeted advertising directed at children shall be undertaken by the Bank.

9.Retention of Customer Information:
Bank may retain the Customer information for as long as required to provide the user with the Services in accordance with applicable laws and our internal policies, such as managing the user account and dealing with any concerns that may arise, or if required for compliance with any legal or regulatory requirements, or for the institution, enforcement, or defence of legal claims. Bank may also retain the Customer Information where we need to use it for our business and related purposes, including but not limited to, responding to queries or complaints, fighting fraud and financial crime or pursuant to contractual obligations. If we do not require the retention of Customer Information, we use best efforts to destroy or delete such Customer Information as per Regulatory guidelines

10.Right to correction and erasure of your personal data:
The user may approach the Bank to have his Personal Data corrected, updated or erased. Upon receiving the request from the user for correction, updation, or deletion the same would be corrected, updated, or erased as per the user’s request in accordance with the prevailing law and regulations.

11.Updating your information:
Bank will endeavour to keep all Customers Information as updated as possible. It is therefore required that all users provide accurate information to Bank and also notify all changes, inaccuracies, incompleteness or errors found in their information lodged with the Bank in a timely manner.

12. Third party links:

• i. Clicking on certain links on our Digital Platforms may redirect you to another website, or may display information which the Bank has no connection with. Such websites may contain sensitive information and/or terms of conditions, privacy or confidentiality provisions that may differ from our terms and conditions. Such links are provided for the convenience of the users and should not in any manner be construed to be any sort of endorsement with regards to its service, content, etc.
• Please note that the bank assumes no responsibility or liability in any manner for the content, accuracy, reliability or opinions expressed on such websites which are linked to our Digital Platforms. Such websites are neither monitored nor investigated or checked for accuracy by the Bank. The user assumes complete responsibility to evaluate the accuracy, reliability, timeliness and/or completeness of the information provided and/or displayed therein. All products, services and content obtained from a linked site are provided as is without warranty of any kind, express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security or accuracy.

13. Protecting the User Data:
The Bank endeavours to safeguard and ensure the security of the Customer information using appropriate measures to protect it from unauthorised access and follow standards prescribed by applicable law. Bank uses appropriately secure encryption for the transmission of Customer Information. At the same time to ensure the security of the Customer Information, the User would be required to co-operate with the Bank. It is recommended that the users necessarily choose their passwords carefully and shall not disclose the same to anyone or keep any written or other record of the password such that a third party could access it, Bank undertakes not to disclose the information provided by the Users to any person, unless such action is necessary under any legal requirement or to protect and defend the interest or property of the Bank or in the case of any act to protect the interest of the Bank, its affiliates or its members, constituents or of the other persons associated with the Bank.
The Users availing the services of the Bank also undertake not to disclose to any other person, in any manner whatsoever, any information relating to the Bank of the confidential nature obtained in due course of availing the services through the Digital Platforms of the Bank. Failure to comply with this obligation shall be deemed to be a serious breach of terms herein and shall be entitled to the termination of the services without prejudice to any damages.

14.Cookies:
The term “Cookies” means small files placed on your hard-drive that assists us in providing our services by analysing the user behaviour. Bank use data collection devices such as “Cookies” on certain pages of the Site to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. Cookies can also help us provide information that is targeted to your interests. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Site. Additionally, you may encounter “Cookies” or other similar devices on certain pages of the Site that are placed by third parties. The website keeps track of the pages a user may visit by appropriately capturing the IP addresses, browser information etc. using Cookies. Bank is not liable if the Cookies are used by advertisers or any other third parties when user visit Bank website or mobile application from other sites or if user visit another site after visiting Bank website/mobile application.

15. Subscription Management and Cancellation:
Upon subscribing to the Digital Products of TJSB Sahakari Bank Ltd. the Customer hereby accepts the terms and conditions describing the products and in accordance thereto accepts the following:

• i. Payments: In consideration of the Services and the usage of the Product, the Customer shall pay the fees as per the agreed terms and conditions as specified in the respective application form duly accepted by the Customer and notified to the Customer from time to time.
• ii. Cancellation and refund requests: In the event, if the payment against Invoices has not been made by the Customer within the stipulated time, the services intended to be availed by the Customer shall be discontinued. All requests for cancellation of subscription and refund should be raised only via the customer support helpline provided. Cancellation and refund requests raised through any other mode of communication will not be considered for a refund.
  The user authorizes the 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 / service providers in any telecommunication or electronic clearing networks as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Bank liable for use or disclosure of this information.

16. Updating the Policy:
Bank may periodically review and update this Privacy Policy, by using our services after such update, the User consents to updates made to this Privacy Policy. We encourage the user to read this Privacy Policy for the latest information on our privacy practices.

17. Authority:
The Board of the Bank has approval for this policy. Any change to the Policy shall be effective only after approval of the Board.

18. User’s acceptance of this Policy:
18. User’s acceptance of this Policy: The Bank respects user’s wishes. By using or visiting this Site and/or using any of the Bank’s application, the user signifies his assent to this policy. In the event the user disagrees with any of terms and/or conditions contained in this policy, the user is advised not to use this site or any applications of the Bank.

19. Contacting Us:
We understand that you may have questions about this Privacy Policy on how we process or handle your customer Information or may otherwise want to understand these aspects. You may feel free to reach out to us with your queries, grievances, feedback and comments at response@tjsbbank.co.in