Capital Small Finance Bank

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This Privacy Policy (“the Policy”) describes how Capital Small Finance Bank Ltd. (hereinafter referred to as the ‘CSFB’ or ‘the Bank’) collects, processes, stores, uses and discloses information of those, who visit CSFB websites (“Website” or “Websites”) and provide information online or through websites or via use of any CSFB Mobile Apps (“App” or “Apps” or “Application”).

CSFB recognizes the expectations of its customers with regard to privacy, confidentiality and security of their personal and sensitive information that resides with the Bank. Keeping personal and sensitive 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 and sensitive information entrusted and disclosed by the customers. This policy governs the way in which the Bank collects, uses, discloses, stores, secures and disposes information collected online or through use of any CSFB Apps.

Applicability
The Policy applies to all visitors, users and others who access or use the website/App and/or submit any information (hereinafter referred to as “the User” and also indicated by “you” or “your”). Access to and the use of the website/App and submitting any information is subject to the Policy.

You are kindly requested to read the contents of this Policy carefully before making use of the website/App and submitting any information in any manner whatsoever. Please note that the use of website/App is subject to other conditions, such as Terms & Conditions for Use.

This Privacy Policy also apply to our collection of data through CSFB website or those web pages accessed directly by the App, social media, other online or offline CSFB websites or services. The personal information you provide through the use of the website/App is held by the Bank's division that maintains your account or is processing your application for a new product or service.

By using the website/App, you consent to the collection, processing, use and disclosure of information as described in this Privacy Policy. You may choose not to provide personal information voluntarily as listed below. However, the website/App may require certain personal information to identify and authenticate you as an authorized user and some or all features of the website/App may not be available. The website/App cannot be used without the automatically collected information disclosed below.

  1. 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 - 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 credit card or debit card or other payment instrument details;
      • physical, physiological and mental health condition;
      • sexual orientation;
      • medical records and history;
      • Biometric information;
      • any detail relating to the above clauses as provided to CSFB for providing service; and
      • any of the information received under above clauses by CSFB for processing, stored or processed under lawful contract or otherwise


      Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 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.

  2. Data Collected by Website / App

    CSFB collects Personal and Sensitive information through your use of website/ App. We collect personal information, you may voluntarily provide to us through your use of the website/App, including any web pages that are accessible by the website/App, including:

    • Name;
    • Contact information including address, phone and email;
    • Your card or account number;
    • Security code, postcode, e-pin, secret question, password or other authentication credentials;
    • Information you provide through feedback or contacting us;


    The Bank may automatically collect some Sensitive/Personal or other information through your use of the website/App. This information includes:

    • Banking and other transactions executed through the App;
    • IP address of your device;
    • Device identifier for the device running the App;
    • Other information that is combined with personal information;


    The Bank may also automatically collect some Sensitive or other information and aggregated, de-identified or anonymous information about your use of website/ App, including:

    • Dates and times when the website/App accesses our servers;
    • Information about banking or other transactions;
    • Information and files that have been downloaded to the website/App;
    • The version of the App you are using;
    • The type of operating system you have;
    • Your device model and manufacturer;
    • Your internet service or mobile provider


    The Bank may collect the location of your device. You may be able to disable the collection of location information through your device. If you disable location information, certain functionality may be unavailable to you.

  3. How CSFB Use Data Collected by This Website / App

    Information collected through the website/App is managed by the CSFB division that maintains your account or processes your application for a new product or service. Information collected through the website/App will be used as described in this Privacy Policy and the privacy statements applicable to the CSFB services that you use.

    The Bank will use your information collected through the website/App for the purposes including to:

    • Authenticate you on the website/App so that you can access your account via website/App;
    • Recognize you when you return to the website/App so we can personalize your experience;
    • Process applications and transactions;
    • Respond to your requests;
    • Enhance, improve, personalize and tailor the App and other online services;
    • Use and/or disclose this information for fraud detection and information security purposes;
    • Recognize your device to assist you on usage of the website/App;
    • Process applications for CSFB products and services or to respond to requests for further information.


    You gave permission to CSFB to exchange, share, part with all information related to the details and transaction history of the User to its Affiliates / 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 or any of the aforesaid purposes and shall not hold CSFB liable for use or disclosure of this information.

    The Bank may use your information to inform you about CSFB products and services that may be of interest to you.

  4. How CSFB Disclose and Share Data Collected by the Website / App

    The Bank may share your information with third party partners to:

    • Help us provide requested services to you;
    • Help us analyze and understand how CSFB services are used;
    • Protect CSFB business from fraud or other illegal activity;
    • Comply with summons, court orders or other legal requirements;
    • Protect the health or safety of an individual;


    The Bank may transfer personal/sensitive information about you to the Bank’s affiliates and will ensure that all the information is protected and comply with applicable law.

  5. Your Rights

    Subject to certain exceptions, in case you found information provided is inaccurate or deficient, you have right to access, update, correct or delete your personal information collected through the website/App. You can access and/or change information in connection with your account or application by logging on to your account online (if applicable) or by contacting at the email address, phone number or physical address listed at the end of this Privacy Policy.

    Provided that the Bank shall not be responsible for the authenticity of the personal or sensitive information given by you.

  6. Data Retention and Use Limitation

    CSFB uses personal information collected through your use of website/App only for the purposes for which it was collected. The Bank retains information collected through your use of the App for the longer of:

    • The period for which we are required by law to retain such information; and
    • As long as you obtain products and services from the Bank and a reasonable time thereafter.

  7. Data Security

    The security and confidentiality of personal information about you is our priority. CSFB protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When CSFB use other companies to provide services for the Bank, the Banks requires them to protect the confidentiality of personal information they receive.

    While no data transmission over the Internet, wireless networks or data storage systems is guaranteed to be 100% secure, the Bank continually evaluate and update our security measures. If you have reason to believe that your interaction with the Bank is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us at the email address, phone number or physical address listed at the end of this Privacy Policy.

  8. Changes to This Polic

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

  9. Cookie policy

    CSFB’s digital platforms use various third party services to promote Bank's products and services. These third party services 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 analyze site operations. These cookies collect information about how users use website/App, for instance, how often visited pages. All information collected by third party cookies is aggregated and anonymous. By using website/app 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. CSFB is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

  10. Applicable Law

    The website/App is controlled and operated by the Bank from India, and is not intended to subject the Bank to the laws or jurisdiction of any state, country or territory other than that of India.

  11. Contact Information

    If you have any questions or concerns regarding the Bank’s privacy practices or in order to address any discrepancies or grievances related to the personal information residing with the Bank, the customer can contact us at:

    Capital Small Finance Bank Ltd.,
    Midas Corporate Park, 3rd Floor
    37, G.T. Road,
    Jalandhar,
    Punjab – 144001
    customerrelations@capitalbank.co.in

As per RBI directives, customers are advised to replace your existing magnetic stripe only debit cards with the EMV card from your branch.

Security Alert !!!
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For Current Offers & Cash Backs on Rupay Cards, click here

RBI cautions Public against Fictitious Offers. For details, click here

RBI Kehta Hai – Public Awareness messages from RBI. Click Here
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