Capital E-Saving Digital Accounts
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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”)/ Internet
Banking (“IB”).
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/IB.
The Policy applies to all visitors, users and others who access or
use the website/App/IB 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/IB 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/IB and submitting any information in
any manner whatsoever. Please note that the use of Website/App/IB is
subject to other conditions, such as Terms & Conditions for Use.
This
Privacy Policy also apply to our collection of data through Website
or those web pages accessed directly by the App, social media, IB,
other online or offline CSFB websites or services. The personal
information you provide through the use of the Website/App/IB 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/IB, 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/IB may require
certain personal information to identify and authenticate you as an
authorized user and some or all features of the Website/App/IB may
not be available. The Website/App/IB cannot be used without the
automatically collected information disclosed below.
a) ‘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.
b) Sensitive
personal data or information- Sensitive personal data or information
of a person means such personal information which consists of
information relating to:
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.
CSFB collects Personal and Sensitive information through your use of Website/App/IB. We collect personal information, you may voluntarily provide to us through your use of the Website/App/IB, including any web pages that are accessible by the Website/App/IB, including:
The Bank may automatically collect some Sensitive/Personal or other information through your use of the Website/App/IB. This information includes:
The Bank may also automatically collect some Sensitive or other information and aggregated, de-identified or anonymous information about your use of Website/ App/IB, including:
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.
Information collected through the Website/App/IB 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/IB 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/IB for the purposes including to:
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.
The Bank may share your information with third party partners to:
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.
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/IB. 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.
CSFB uses personal information collected through your use of Website/App/IB 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 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.
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.
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/IB, for instance, how often visited pages. All information collected by third party cookies is aggregated and anonymous. By using Website/app/IB 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.
The Website/App/IB 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.
I/we hereby give my consent to the processing of my Personal Information and Sensitive Personal Data or Information which I/we hereby voluntarily provide to the Bank and acknowledge that the shared Personal Information and Sensitive Personal Data or Information represents sensitive personal data or information within the meaning of Section 43A of Information Technology Act, 2000 and Section 3 of Information Technology (Reasonable Security Practice and Procedure and Sensitive Personal Data or Information) Rules, 2011 (“Data”). I/we hereby represent that I/we have been informed of the fact that my Bio-metrics and Data, will be processed and I/we hereby give my voluntary, unequivocal and informed consent hereto. I/we hereby give my consent to the Bank to disclose my/our Data to third parties/vendors and that the Bank shall be entitled to transfer such data or information in particular to the following categories of recipients not limited to the Bank’s suppliers, the Bank’s employees, providers of marketing and advertising services to the Bank, and other parties in other contractual relationship with the Bank. I/we further give my consent to the Bank to share my Data with Government Agencies/regulatory/statutory bodies mandated under the law as and when required to obtain information for the purpose of verification of identity, or for prevention of intrusion or spread of computer contaminant, detection, investigation, analysis, including cyber incidents/security, prosecution and punishment of offences related thereto. I/we have no objection to the Bank providing me information on various products, offers and services rendered by the Bank through any mode (including without limitation through telephone calls/ SMS/ E-mail) and authorize the Bank/ its group companies/ its agents/ its representatives for the above purpose. I/we agree to indemnify and keep indemnified the Bank and the persons or entities from whom it may obtain, or with whom it may disclose or verify my Data free and harmless from any liability arising from the use of any such Data. I/we understand that the Bank reserves the right to amend or supplement this consent form with future effect at any time, as far as the changes made are in the interest of the Customer. I/we hereby have no objection and give my/our consent for receiving OTP (One Time Password) on my/our registered mobile number for the purpose of authentication of this consent form.
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