PRIVACY POLICY Privacy Commitment: The S.S.K Co-Operative Bank Ltd recognizes your need for privacy and security as you use our application. By maintaining our commitment to your privacy, we at The S.S.K Co-Operative Bank Ltd will ensure that we respect the trust you place in us. While using this website or availing the products and services through the online application forms and questionnaires, The SSK Co Operative Bank Limited, may become privy to the personal information of its Customers, including information that is of a confidential nature. Privacy Notice: Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. This notice applies to all information collected from or submitted to the My SSK Mobile Banking Application. Definitions: In this document the following words and phrases have the meaning set opposite them unless the context indicates otherwise: BANK refers to The S.S.K. Co-Operative Bank Ltd., registered and licensed by the Reserve Bank of India under Section 22(1) read with Section 56 of the Banking Regulation Act, 1949, with its registered office at Sahasrarjun Complex, Dajiban Peth, Hubli - 580028. Application means My SSK USER refers to a customer of the BANK authorized to use My SSK Mobile Banking Services. PERSONAL INFORMATION refers to the information about the USER obtained in connection with the My SSK Mobile Banking Service. PRIVACY POLICY refers to privacy commitment of the BANK via-a-vis its My SSK Mobile Banking Services as specified in this document. Who is Covered by This Policy? All users who install the My SSK mobile banking application and provide information to the BANK through this application are covered under this Policy. Information Covered by This Policy This Policy seeks to cover personal information of the Users provided to BANK online as also any information collected by the bank server from the user. The Information We Collect BANK respects the privacy and security of its users. Our goal is to provide you with banking services that are most relevant and helpful to you. In order to achieve this goal, we sometimes collect information during your visits to understand what differentiates you from each of our millions of other users. The personal information you provide to us when using our application will be kept confidential and used to support your customer relationship with BANK. It also be used to notify you of special offers, updated information and new products and services from the BANK. BANK will limit the collection and use of user information only on a need-to-know basis to deliver better products and/or service to the users. Why We Collect Information? BANK collects your personal information to carry out and administer its services to you. Without such information the Bank may be unable to establish or continue banking facilities or provide banking services over Internet. The Information we collect helps us in meeting the disclosure requirements of any law binding on the Bank or any of its branches and further to fulfill any other purposes relating thereto. BANK endeavours to safeguard and ensure the security of the information provided by the Customer. Following Permissions are taken from customer: • SMS: Used for sending SMS from customer mobile to verify the mobile number so bank will display the account linked with verified mobile number. • Contacts: This permission is sought to send Digital Rupee directly to registered users who are in customer contacts. • Location: Being a financial application, location is being captured for fraud detection cases. • Call: Customer can directly call to bank’s customer care mobile number through My SSKmobile banking application. • Camera: To transfer using Scan QR • Gallery: To fetch the QR directly from phone Gallery to transfer Digital Rupee. How We Use Information? BANK does track certain information about the visits to our application. We compile statistics that show the numbers and frequency of users to our application and its individual pages. These aggregated statistics are used internally to improve the application content and services in general. We will communicate with users via email or other online/offline delivery devices only if the customer agrees to receive those communications. Customers, who believe that they are receiving our communications in error or no longer desire to receive them, should inform us and we will remove that customer’s name from our mailing lists. How We Protect Your Information? The SSK Co Operative Bank Limited endeavors to safeguard and ensure the security of the information provided by the Customer. The SSK Co Operative Bank Limited uses 256-bit encryption, for the transmission of the information in online system, which is currently the permitted maximum level of encryption in India. The Customer would be required to cooperate with The SSK Co Operative Bank Limited, to ensure the security of the information, and it is recommended that the Customers choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the Customers should use a combination of alphabets, numbers and special characters like !, @, #, $ etc. The Customers should not disclose their password(s) to any one or keep any written or other record of the password(s) such that a third party could access it. If you think your User ID and/or password has been disclosed or compromised to a third party, is lost or stolen and unauthorized transactions may have been conducted, you are responsible to inform us immediately. BANK will take all appropriate steps to keep your personal information confidential. The steps include: only work related limited access to user information databases, communicating this policy statement to all BANK employees and/or individuals engaged in management and operations of My SSK Mobile Banking Services(s) and establishing and enforcing strict disciplinary processes for violating this statement. BANK use firewalls, Intrusion prevention system (IPS) and routers to create a "doorway" between the Internet and our internal network. This doorway restricts access to our internal network. Data transmissions that are sent through our firewall and routers to our internal network are subject to verification by the firewalls and routers. We are able, thus, to control the data transmissions that gain access to our internal network. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards. The authenticity of the personal information provided by the customer shall not be the responsibility of the Bank. You transmit all such information at your own risk. However, once we receive your transmission, we make our best effort to ensure its security on our systems. BANK will not willfully disclose any personal information about its users to any third party without first receiving that user’s consent. BANK may disclose personal information when we believe in good faith that the law requires it or to protect the rights, property or interests of BANK. The SSK Co Operative Bank Limited, is strongly committed to protecting the privacy of its Customers and has taken all reasonable measures to protect the confidentiality of the Customer information and its transmission through the world-wide web and it shall not be held liable in any manner for disclosure of the confidential information in accordance with this Privacy Commitment or in terms of the agreements, if any, with the Customers or by reasons beyond its control. Any information that is easily available or accessible in public domain or furnished under any law being in force shall not be regarded as sensitive personal data or information for the purpose of this policy. With Whom We May Share Information The SSK Co Operative Bank Limited, under takes not to disclose the information provided by the Customers to any person (s), or anyone else unless such action is necessary to: - a) Conform to legal requirements or comply with legal process: b) Protect and defend The SSK Co Operative Bank Limited’s. rights, interests or property; c) Enforce the terms and conditions of the products or services; or d) Act to protect the interests of The SSK Co Operative Bank Limited, or its members, or of other persons. e) The Customer authorizes The SSK Co Operative Bank Limited, to exchange, share, part with all information related to the details and transaction history of the Customers to 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 and shall not hold The SSK Co Operative Bank Limited, liable for use or disclosure of this information. f) To help complete a transaction initiated by the customer. g) The disclosure is necessary for compliance of a legal obligation. How to Contact BANK? If you have any questions about this Privacy Statement you can reach us Address: Sahasrarjun Complex, Dajiban Peth, Hubli. - 580028 Email at: thesskmobilebanking@gmail.com info@sskcbank.in Mobile : +91 9731444163/9900263956 Tel : 0836-4254320 How We Handle E-mail? If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We commit, however, that when you communicate with us via e-mail, we will use that information only to respond to the inquiry and provide accurate information to any questions. Your e-mail address will not be sold, nor will it be shared with any third parties. We request you not to send your personal as well as account details or information via e-mail. Amendments The information, material, advices suggestions illustrations notifications, circulars etc. are collectively stated "the content" in this website. If the said content contains any mistakes, omissions, in accuracies and typographical errors, etc. The SSK Co Operative Bank Limited assumes no responsibility thereof. The SSK Co Operative Bank Limited makes no warranty or representation regarding any content provided through this website and disclaims it’s liability in respect thereof. Any action on your part based on the said content is at your own risk and responsibility. The SSK Co Operative Bank Limited, 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 The SSK Co Operative Bank Limited. The SSK Co Operative Bank Limited will limit the collection and use of Customer information only on a need-to-know basis to deliver better service to the Customers. The SSK Co Operative Bank Limited, may use and share the information provided by the Customers and third parties for providing services, and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. Please note that this policy will be reviewed and may change from time to time. Any decision made by us in relation to the service provided to you shall be final. Cookie Policy: The SSK Co Operative Bank Limited. is not responsible for cookies placed in the mobile device of users by any other site and information collected thereto.