Privacy Policy - Samridhi Bank iOS Mobile Banking App

Introduction

This Privacy Policy explains the manner in which personal information and sensitive personal data are collected, used, stored, protected, and processed by the Bank through its iOS Mobile Banking App, website, and digital banking platforms.

By downloading, accessing, or using the Mobile Banking App, customers agree to the terms and conditions mentioned in this Privacy Policy.

Definitions

Personal Information means any information that relates to a natural person and which, either directly or indirectly, is capable of identifying such person.

Sensitive Personal Data or Information may include:

• Passwords and authentication credentials
• Financial information such as bank account, debit card, or payment instrument details
• Biometric or device authentication information
• Medical records or health-related information
• Information provided for banking services

Applicability

This Privacy Policy applies to all personal information and sensitive personal data collected by the Bank through the iOS Mobile Banking App, website, digital channels, online portals, and electronic communications.

Collection & Use of Information

The Bank collects customer information for lawful and legitimate banking purposes including:

• Customer authentication and account access
• Processing banking transactions
• Fraud prevention and risk monitoring
• Service improvement and customer support
• Compliance with regulatory requirements

The Bank does not use customer personal information for unauthorized disclosure or misuse.

Disclosure of Information

Customer information shall not be disclosed to any third party except under the following circumstances:

• When disclosure is required under applicable laws or regulations
• When disclosure is necessary for providing banking services
• When disclosure is made with customer consent
• When authorized service providers require information strictly on a need-to-know basis

Information Security

The Bank follows industry-standard security practices, encryption protocols, and secure authentication systems to protect customer information from unauthorized access, misuse, alteration, or disclosure.

Customers are advised to keep their passwords, MPINs, OTPs, and device credentials confidential.

Cookie Policy

The Bank's digital platforms may use cookies and third-party analytical tools to enhance customer experience, improve website performance, and analyze service usage.

Users may disable cookies through browser or device settings. However, certain services may not function properly after disabling cookies.

Third-Party Services

The iOS Mobile Banking App may include links or integrations with trusted third-party services including payment gateways, analytics tools, and security services.

The Bank is not responsible for the privacy practices of external third-party platforms.

Changes to Privacy Policy

The Bank reserves the right to modify, revise, or update this Privacy Policy at any time in accordance with regulatory, operational, or technological changes.

Updated policies shall be published on the Bank's website and digital platforms.

Effective Date

Effective from: 30 September 2016