Privacy Policy

Introduction:
This Privacy Policy describes how the user data is gathered, used and protected in relation to our mobile banking application. This is evident that for making it possible to provide mobile banking facilities to our customers, collection of data is essential for the mobile banking application to function as intended.

Eligibility:
The Mobile Banking Services are offered only to Jila Sahakari Bank Maryadit, Ambikapur’s Customers.

Applicability:
This privacy policy is applicable to all the mobile banking users and all others who access our mobile banking application.

Collection of Data:
We may gather mobile banking user’s personal information viz. User’s Name, Address, Mobile Number, Email Address, Card Details, Location of Mobile Data etc., which we may verifyuser’s identity, to contact the user for providing various facilities which could be made available to users through the use of mobile banking application and services, your payment history, history of transactions in which user is participating through our mobile banking application.

Collection of Mobile Data:
We may gather data about your mobile device viz. device settings, device identifiers, device location data, and diagnostic data that may assist with analysis and performance improvements of mobile application and to provide user better facilities and experience. Users may be asked to grant different permissions if required for the services requested of the mobile application. Interactions with mobile banking application and data entered by users will be used to provide users the receipt of services.

Sharing of Personal Data:
We will not share, sell or rent mobile banking user’s data to third parties.

• Sharing of Information with Service Providers: User data viz. cookies, log records, device identifiers, location information and usage information to help offer, diagnose and improve mobile banking application when rationally essential.
• In response to legal requests: Bank may access and share user data in response to a legal demand if law requires and allows the us to do so to spot, prevent and mitigate scam, deceptions etc and other legal actions to protect us, mobile banking application users and others.

Storage of User’s Data:
User's data gathered through the usage of mobile banking application is collected, processed and stored in India where the Bank has professional fortifications to help keep the data protected as we value users’ privacy and trust.

Dos and Don’ts:

• Users in any circumstance shall not share mobile banking credentials with anyone otherwise in case of disputes and frauds the user will solely be responsible.
• Users shall choose their password wisely so as to make it difficult to guess.
• Users shall use combination of alphabets (small and capital), numbers, special characters for example # % ^ & * etc to make passwords complex and difficult to guess.
• Users shall change their MPIN, TPIN regularly.
• Users shall Install only trusted mobile security software to protect personal and sensitive personal information.
• Users shall review their account statements frequently to check for any unauthorized transactions.
• Users shall immediately report a lost or stolen phone to the Bank and law enforcement authorities.
• Users shall be cautious while entering their credentials in public places.
• Users shall not use unsecured or unverified Wi-Fi networks available at public places.
• Users shall not use 'jailbroken' or 'rooted' devices for any banking service ortransaction.
• Users shall not download remote sharing apps.
• Users shall not enter PINs/ OTPs or share bank account details asked on the pre text of sending some rewards.
• Users shall not transfer funds without due validation of the recipient, as funds once transferred cannot be reversed.
• Users shall be aware of phishing OR spoofing emails, SMS, or any other communications and shall not open any link or download any file from those media.

Changes to This Privacy Policy:
Bank may update the Privacy Policy from time to time. Thus, the mobile banking application users are advised to review this page periodically for any changes.

Contact Details:
If you have any queries regarding the Privacy Policy or the Mobile Banking Application, please contact us at email : cbs@jskbambikapur.com