PRIVACY POLICY

At The Kottakkal Co operative Urban Bank Ltd., 1378 our principal concern is the responsible use of information that users and clients share and disclose to us. Federal Bank's commitment towards guaranteed confidentiality and privacy at all times is clearly articulated in our Privacy Policy. We will use our best efforts to ensure that the information you submit to us remains private, and is used only for the purpose for which it is submitted. This Policy holds true for a non-customer who has provided information to the Bank by any means, with or without the intentions of establishing a relationship, of whatsoever nature, with the Bank. By divulging any information to

Collecting Customer / Personal Information

We collect information that users provide voluntarily to us. However, The Kottakkal Co operative Urban Bank Ltd., 1378 will not share any user information with third parties without informing them at the time of collection or obtaining their explicit consent, except for the purposes and circumstances outlined in this Policy. We collect personally identifiable information from users which include: Name, ,E-Mail address,PAN,Aadhaar,Telephone Number,Mobile Number,Bank Account Number,Demographic information, etc. The collected information also includes, without limitation, user’s preferences relating to receiving marketing messages from us and our service providers, and user’s communication preferences. As per this policy, information that is readily available or accessible in the public domain, or disclosed under the Right to Information Act of 2005, or any other applicable law, will not be considered as sensitive personal data or information. The collected information will be used lawfully for various functions or activities of the Bank related to services in which the User is interested, to help determine the User's eligibility for requested products/services, to facilitate User verification and application processing, transactions, and record maintenance in compliance with internal/legal/regulatory requirements. The information collected will be utilized to provide the User with the best possible services/products while also protecting the Bank's interests. Users shall ensure that all Personal Information provided to the Bank is accurate, up-to-date, and true. Users will be responsible for any errors, discrepancies, or inaccuracies in the Personal Information they share with us, except for such Customer Information that has been verified through KYC processes set out by applicable law and backed by documentary proof.

Use of Access Log Files

The Kottakkal Co operative Urban Bank Ltd., 1378 logs IP addresses, browser type, number of pages viewed etc. in order to provide better service for our users. We use the information to get page view statistics, to analyze trends and better understand the usage of the site, and for system administration purposes. Use of User Information The Kottakkal Co operative Urban Bank Ltd., 1378 may use the Customer Information for the purposes , inter –alia , customer identification/ verification, providing of financial services and products, for customization of products or services, marketing or promotion of financial products/ services; to check credit rating, enforcement of Customer obligations and such other purpose to facilitate optimal and high quality services. The Kottakkal Co operative Urban Bank Ltd., 1378 reserves the right to perform statistical analysis of user behaviours and preferences in order to measure users' relative interests in the various areas of the web site for the purpose of product and service development. The analysis is anonymous and not tagged to identifiable users. The analytical data that The Kottakkal Co operative Urban Bank Ltd., 1378 collects is for internal use only to improve the content and services of its web site. In return, users will benefit from improved quality of services.

Disclosure to Third Parties

Unless The Kottakkal Co operative Urban Bank Ltd., 1378 specifically informs users at the time of collection, or unless users give express consent, The Kottakkal Co operative Urban Bank Ltd., 1378 does not provide any personally identifying information to a third party. However, if permitted or required by law or subpoenaed or ordered by a court of law or to enforce the Terms and Conditions of the Products or services or to safeguard / defend our rights , interests and properties or that of our affiliates , The Kottakkal Co operative Urban Bank Ltd., 1378 will have to disclose to the proper authorities the personal information of any individual user. The Kottakkal Co operative Urban Bank Ltd., 1378 may disclose the data created after statistical analysis (not tagged to identifiable users) to any person, without any limitation and the User hereby give your consent for the same. The Kottakkal Co operative Urban Bank Ltd., 1378 may disclose Customer Information to any of the Federal Bank’s associates and affiliates, without any limitation and the User / Client hereby give consent for the same. We may disclose the Customer Information to third parties for purposes, inter alia, for advertising, for any joint product promotion campaigns or for availing support services, for participation in electronic clearing network etc. . We may also share with third parties, the information obtained with your consent, from your mobile device like device location, device information (including storage, model, installed apps, Wi-Fi , mobile network etc. ), transactional and promotional SMS , communication and call logs, for purposes including statistical analysis, credit rating etc. in order to enable us to provide you banking / financial services with high quality and standards. However, while disclosing any such information to third parties as afore-mentioned, we will make reasonable efforts to bind them with obligation to keep the same secure and confidential and an obligation to use the information for the purpose for which the same is disclosed, and you hereby give your consent for the same.

Links to Other Materials

Linked sites are not under the control of Federal Bank, and The Kottakkal Co operative Urban Bank Ltd., 1378 will not be held responsible for the content or privacy policies of any linked sites or any links containing other linked sites.

Links to Other Materials

Linked sites are not under the control of Federal Bank, and The Kottakkal Co operative Urban Bank Ltd., 1378 will not be held responsible for the content or privacy policies of any linked sites or any links containing other linked sites.

Updating of Privacy Policy and Consent

The Kottakkal Co operative Urban Bank Ltd., 1378 will, as and when it deems fit to do so, change, alter or modify its Privacy Policy. Users are advised to visit the site continually in order to monitor changes in the policy, as the policy will be binding upon them in relation to their use of The Kottakkal Co operative Urban Bank Ltd., 1378 's services.

Use of SMS for Registration/Activation of Mobile Apps/Online Channels

The Kottakkal Co operative Urban Bank Ltd., 1378 uses SMS /OTP based procedure for activation of its official mobile applications for security reasons and system administration purposes. We do not publicly disclose any personal or sensitive user data related to financial or payment activities or any government identification numbers to any third party, except in accordance with the terms of this privacy policy.

Security

We have taken reasonable measures to protect security and confidentiality of the Customer Information and its transmission through the World Wide Web. You are required to follow the Terms and Conditions while using this Website including the instructions stated therein in respect of security and confidentiality of your Log-in and Password. The Kottakkal Co operative Urban Bank Ltd., 1378 will give access to Customer Information to only authorised employees.. Any employee who withdraws from the employment of the Bank will have to undertake to abide by this Privacy Policy and keep all Customer Information secure and confidential.