Privacy Policy

                                     THE BIJNOR URBAN CO-OPERATIVE BANK LTD.

PRIVACY POLICY

The Bijnor Urban co-operative Bank Ltd. recognizes the expectations of its customers with regard to privacy, confidentiality and security of their personal information that resides with the Bank. Keeping personal information of customers secure and using it solely for activities related to the Bank and preventing any misuse thereof is a top priority of the Bank. The Bank has adopted the privacy policy aimed at protecting the personal information entrusted and disclosed by the customers [“the Policy”]. This policy governs the way in which the Bank collects, uses, discloses, stores, secures and disposes of personal information and sensitive personal data or information.

Definitions:

”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 the

Bank, is capable of identifying such person.“Sensitive personal data or information” of a person means such personal information which consists of information relating to:

• password;

• financial information such as Bank account or debit card or other payment instrument details;

• physical, physiological and mental health condition; •sexual orientation;

• medical records & history;

• any detail relating to the above clauses as provided to body corporate for providing service;

• any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise. Provided that, any information that is freely available or accessible in public domain or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purposes of this policy.

Applicability:

This Policy is applicable to personal information and sensitive personal data or information collected by the Bank or it’s affiliates directly from the customer, mobile apps and electronic communications as also any information collected by the Bank’s server from the customer’s browser.

Purpose of Collection and Use of Personal Information:

The Bank collects and uses the financial information and other personal information from its customers. This information is collected and used for specific business purposes or for other related purposes designated by the Bank or for a lawful purpose to comply with the applicable laws and regulations. The Bank shall not divulge any personal information collected from the customer, for cross selling or any other purposes.

The authenticity of the personal information provided by the customer shall not be the responsibility of the Bank.Any information that is freely available or accessible in public domain for the time being in force shall not be regarded as personal information for the purposes of this Policy and the Bank shall not be responsible for the same.

Disclosure of Personal Information:

The personal information collected by the Bank shall not be disclosed to any other organization except:

1. Where the disclosure has been agreed in a written contract or otherwise between the Bank and the customer;

2. Where the disclosure has been agreed in a written contract or otherwise between the Bank and the customer;

3. Where the Bank is required to disclose the personal information to a third party on a need-to-know basis, provided that in suchcase the Bank shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of the Bank.

Reasonable Security Practices and Procedures:

The security of personal information is a priority and is protected by maintaining physical, electronic, and procedural safeguards that meet applicable laws. The Bank shall take reasonable steps and measures to protect the security of the customer’s personal information from misuse and loss, un-authorized access, modification or disclosure. The Bank maintains its security systems to ensure that the personal information of the customer is appropriately protected and follows the extant standard encryption norms followed for the transmission of information. The Bank ensures that its employees and affiliates respect the confidentiality of any personal information held by the Bank.

Contact Information:

In order to address any discrepancies or grievances related to the personal information residing with the Bank, the customer may visit: https://www.bucb.org.in

Notice of change:

The Bank may, from time to time, change this Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Cookie policy:

The Bijnor Urban co-operative Bank’s digital platforms use various third party analytical tools. These tools use cookies which are downloaded to your device when you visit a website in order to provide a personalized browsing experience. Cookies are used for lots of tasks like remembering your preferences & settings provide personalized browsing experience and analyse site operations. These cookies collect information about how users use a website/app, for instance, how often visited pages. All information collected by third party cookies is aggregated and anonymous. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her device / browser settings.

The Bijnor Urban co-operative Bank Ltd. is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

Write-Up about mobile application

The Bijnor Urban Co-operative Bank Limited Mobile Banking Application

Use the The Bijnor Urban Co-operative Bank Limited Mobile App for All Your Banking Needs.

Mobile Banking application for Smart Phone customers of The Bijnor Urban Co-operative Bank Limited. A safe, convenient and easy to use application with a host of features to help users manage your finances on the move.

Download the application from Google Play store only. Do not use any other websites for downloading this application.

My Accounts

• Balance Enquiry (Savings / Current / Deposit / Loan)

• Mini Statement 

• Positive Pay System

• Card Safe and Green PIN

Services

• Manage Debit Cards Access Channels

• Manage Channel Wise Limits for Debit Card Transactions

• Debit Card Hotlisting

• Transaction Lock / Unlock

Other Pre-login features

• Registration for New Users

• Feedback

• Locate Us

• Contact Us

• About Us

All you need:

• A smart phone with Android Operating System (Android ver 4.4 or above).

• Internet connectivity through Mobile Data

For feedback & suggestions, kindly email us at appsupport@bucb.org.in