1. Introduction

This Privacy Policy is issued by The Belagavi District Central Cooperative Bank Ltd., Belagavi, a District Central Cooperative Bank regulated under the supervisory framework of RBI and NABARD.

This policy ensures protection of customer data, confidentiality, secure digital banking environment, and compliance with applicable banking regulations.

2. Applicability

This policy applies to customers, employees, directors, vendors, service providers and third parties interacting with the Bank through branches, ATMs, internet banking, mobile banking, UPI services and other digital platforms.

3. Information Collection (Customer Data)

The Bank collects personal and financial information required for lawful banking operations including customer identity details, KYC documents, contact information, account details, transaction history and other service-related information.

The Bank may also collect technical information such as IP address, device details and digital activity for security and service improvement.

4. Purpose of Data Usage

Customer information is processed for account management, KYC verification, transactions, loan processing, fraud monitoring, risk management, regulatory reporting and improvement of banking services.

Customer data is not used for unauthorized marketing or non-banking commercial purposes without consent.

5. Data Sharing and Disclosure

The Bank maintains strict confidentiality and does not sell or commercially exploit customer information.

Data may be shared only with regulatory authorities, government agencies, credit information companies and authorized service providers as required under applicable laws.

6. Data Security and Cyber Protection

The Bank implements security controls including encryption, firewalls, monitoring systems, access controls and cybersecurity measures aligned with RBI guidelines.

7. Data Retention

Customer information is retained only for the period required under banking laws, RBI directions and statutory requirements. Data is securely disposed after completion of retention period.

8. Cookies and Digital Tracking

The Bank may use cookies and similar technologies to improve website functionality, security and user experience.

9. Customer Rights

Customers may request access, correction, updating or other permitted actions relating to their personal information according to applicable regulations.

10. Third Party Links and Services

External links provided by the Bank are for convenience only. The Bank does not control external websites and users should review their privacy policies.

11. Children's Privacy

The Bank does not knowingly collect personal information from minors without appropriate consent and compliance with banking regulations.

12. Grievance Redressal

Customers may submit privacy or cybersecurity related complaints through official Bank communication channels.

13. Policy Updates

The Bank may update this Privacy Policy periodically based on regulatory changes and cybersecurity requirements.

14. Regulatory Framework

• RBI Cyber Security Framework
• RBI IT Governance Guidelines
• NABARD Cyber Security Framework
• Information Technology Act, 2000