Effective Date: 12-12-2024
Almora Zila Sahkari Bank Ltd. (“Bank,” “we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of its customers’ personal information. This Privacy Policy outlines how we collect, use, store, and protect your information in compliance with applicable laws and regulations. By accessing or using our services, you consent to the practices described in this policy.
1. Information We Collect
We may collect the following types of information from you:
A. Personal Information
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Full name, date of birth, gender
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Contact details (address, phone number, email ID)
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Identity documents (Aadhaar, PAN, Voter ID, Passport, etc.)
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Financial information (bank account number, transactions, credit/debit card details)
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Employment details and income data
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KYC (Know Your Customer) information
B. Non-Personal Information
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Browser type and version
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Device information
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IP address
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Cookies and usage data when using our website/app
C. Sensitive Information
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Passwords, authentication tokens, or biometric data (where applicable)
2. How We Collect Information
We collect your information in the following ways:
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Directly from you when you open an account, apply for loans, or use our services.
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Through our website, mobile applications, or customer service interactions.
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From third-party verification agencies for KYC compliance and credit assessments.
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Automatically, when you interact with our online platforms (cookies, IP address tracking, etc.).
3. Purpose of Information Collection
We collect your information for the following purposes:
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To provide banking and financial services.
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To verify your identity for KYC and regulatory compliance.
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To process loan applications, transactions, and payments.
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To offer you personalized banking services and promotions.
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To improve our services, security, and customer experience.
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To prevent fraud, unauthorized activities, and meet legal obligations.
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To communicate with you regarding your accounts, updates, and notifications.
4. Sharing of Information
We do not sell or rent your personal information. However, we may share your information under the following circumstances:
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With regulatory bodies or government authorities to comply with legal obligations.
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With third-party service providers for processing transactions, KYC verification, or technical support.
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With credit bureaus for loan assessments or reporting.
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With auditors, legal advisors, or consultants as part of compliance or regulatory requirements.
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With your consent, when required for specific services.
5. Data Security
We implement stringent security measures to protect your personal and financial information:
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Use of encryption technologies to secure sensitive data.
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Regular security audits and compliance with banking cybersecurity protocols.
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Restricted access to personal information to authorized personnel only.
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Secure servers and firewalls to prevent unauthorized access.
However, no system is completely foolproof, and we cannot guarantee absolute security.
6. Retention of Information
We retain your personal data only as long as necessary for the purposes stated in this policy or as required by law.
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Account information and transaction history are retained for audit and regulatory compliance.
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Upon closure of your account, we may retain certain data for legal, tax, or security purposes.
7. Your Rights
As a customer, you have the following rights:
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Right to Access: Request details of your personal information stored with us.
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Right to Rectification: Correct or update any inaccurate or incomplete information.
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Right to Withdraw Consent: Opt out of marketing communications or data usage where applicable.
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Right to Deletion: Request deletion of your data where it is no longer needed.
To exercise any of your rights, you may contact us at the address provided below.
8. Cookies and Tracking Technologies
We use cookies and similar technologies on our website to enhance user experience and improve services. Cookies may help us collect non-personal information, such as browsing patterns and usage.
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You can manage cookies through your browser settings.
9. Third-Party Links
Our website or services may include links to third-party websites. We are not responsible for the privacy practices, content, or security of such external websites. Please review their privacy policies before providing any personal information.
10. Updates to Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Updates will be posted on our website, and the revised policy will take effect immediately upon publication.
11. Contact Us
If you have any questions or concerns regarding this Privacy Policy or your personal information, please contact us:
Almora Zila Sahkari Bank Ltd.
ठाकुर दान सिंह बिष्ट सहकारी परिसर, माल रोड अल्मोड़ा,
उत्तराखण्ड
Phone: 05962-230204
Email: [email protected]
Website: www.azsb.in
By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms and conditions.