Applicability:
This Privacy Policy (“Policy”) is applicable to website (https://www.bharatbank.com) and Social Media viz. Facebook, Instagram, X & LinkedIn.
Website Visitors:
Bharat Bank collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Bharat Bank purpose in collecting non-personally identifying information is to better understand how Bharat Bank’s visitors use its website. From time to time, Bharat Bank may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website. Bharat Bank also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on https://www.bharatbank.com blogs/sites. Bharat Bank only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information:
Certain visitors to Bharat Bank websites choose to interact with the Bank in ways that require Bharat Bank to gather personally-identifying information. The amount and type of information that Bharat Bank gathers depends on the nature of the interaction. For example, we ask visitors who sign up at https://www.bharatbank.com to provide a username and email address. Those who engage in transactions with Bharat Bank are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Bharat Bank collects such information only insofar as is necessary or appropriate to fulfil the purpose of the visitor's interaction with Bharat Bank. Bharat Bank does not disclose personally-identifying information. Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics:
Bharat Bank may collect statistics about the behaviour of visitors to its websites. Bharat Bank may display this information publicly or provide it to others. However, Bharat Bank does not disclose personally-identifying information (other than the information stated below)
Protection of Certain Personally-Identifying Information:
Bharat Bank discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Bharat Bank’s website or to provide services available at Bharat Bank and (ii) that have agreed not to disclose it to others.
Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Bharat Bank’s websites, you consent to the transfer of such information to them. Bharat Bank will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Bharat Bank discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Bharat Bank believes in good faith that disclosure is reasonably necessary to protect the property or rights of Bharat Bank, third parties or the public at large.
If you are an accountholder of Bharat Bank and/or have provided your email address/mobile number, Bharat Bank may occasionally send you an email/message to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Bharat Bank, and about our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Bharat Bank takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Cookies:
A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Bharat Bank uses cookies to help the Bank identify and track visitors, their usage of Bharat Bank website, and their website access preferences. Bharat Bank visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Bharat Bank’s websites with the drawback that certain features of the Bank’s website may not function properly without the aid of cookies.
Ads:
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Bank and does not cover the use of cookies by any advertisers.
In Short:
- We only collect personal information that we believe is relevant & required to understand your needs and to conduct our business.
- Information is used to provide you with a better usage experience and to offer you products & services.
- We will not disclose your personal information to any external organisation unless we have your consent or are required by laws and regulations or have previously informed you.
- We may be required from time to time to disclose your personal information to Governmental or regulatory entities, but we will only do so under proper authority.
- We aim to keep your personal information on our records accurate and up-to-date. Therefore you are required to update your personal information from time to time.
- We maintain Industry level safeguards to secure our systems so as to prevent unauthorised access to your personal information by anyone.
- Bharat Co-operative Bank (Mumbai) Ltd, our staff and any agent or third party service provider with access to your information are required to observe our confidentiality obligations.
Mobile Banking:
This section provides specific details of how we treat personal information that you might wish to provide us when you use our Mobile app:
We would be collecting your personal information like full name, complete postal address, telephone/mobile number, email id, pan, date of birth, nationality, location, system IP address, mobile IMEI number, contacts, SMS, Camera etc. and additional documents which may be required by the bank as per the law from time to time
Mandatory Permissions for Mobile Application
| INTERNET PERMISSION | The INTERNET permission is fundamental for any app that requires web access. It allows the application to connect to the internet to fetch data, communicate with servers, or enable features such as social media sharing and online content streaming. |
| ACCESS_NETWORK_STATE | The ACCESS_NETWORK_STATE permission allows the app to access information about the network status. This includes whether the device is connected to the internet, the type of connection (Wi-Fi, mobile data), and the strength of the connection |
| ACCESS WIFI STATE | The ACCESS_WIFI_STATE permission allows the application to retrieve information about the current state of WiFi connectivity. |
| CHANGE_WIFI_STATE | On the other hand, the CHANGE_WIFI_STATE permission enables an application to modify the device’s WiFi settings. This means that applications can enable or disable WiFi connections or switch between different networks Programmatically |
| LOCATION PERMISSIONS | Location permission in the app enhances security, prevents fraud, verifies identity, enables branch/ATM locators, and ensures regulatory compliance for secure, location-based transactions and services. |
| SMS PERMISSIONS | The Bharat Bank Nexa app requires SMS permissions to automatically read OTPs and transmit device information to the server for SIM binding, enhancing user authentication and security. |
| CONTACTS PERMISSIONS | The app requires contact access to facilitate secure payments by identifying and displaying stored contacts, allowing users to conveniently select recipients and transfer funds securely. |
| READ PHONE STATE |
The READ_PHONE_STATE permission is mandatory for the Bharat Bank Nexa app to:
|
Optional Permissions for Mobile Application
| CAMERA | The CAMERA permission grants an app access to the device's camera hardware. This capability is essential for applications involving QR code scanning functionalities rely on CAMERA permission. |
| BIOMETRICS | Biometric permissions in the Bharat Bank Nexa app are optional but recommended for enhanced security and seamless access. This feature enables fingerprint or facial recognition for secure login, transaction approvals, and fraud prevention. While users can choose traditional authentication methods like passwords or OTPs, biometrics offer a faster and more secure banking experience, minimizing the risk of unauthorized access. |
| STORAGE PERMISSIONS | Storage permission allows the Bharat Bank Nexa app to access device storage for securely storing and retrieving essential files, such as downloaded statements or transaction receipts. This permission enhances user convenience by enabling seamless access to banking documents within the app. While optional, granting storage access ensures a smooth experience, allowing users to save and manage important banking files directly on their devices. |
No sensitive information is stored on the device by the Mobile Banking App. All information pertaining to your transactions, credentials, requests are stored securely in the bank's environment protected by multiple layers of security.
All data in transit is secured thorough usage of SSL (Secure Sockets Layer) which ensures that data traversal between the mobile app & server, is in an encrypted state. The Mobile app undergoes regular Vulnerability Assessments & Penetration Tests to provide all parties a high level of Security Assurance. All practical steps are taken to ensure that personal information will not be kept longer than necessary. Access to your personal information to Bank staff is on a need-to-know basis – to offer you the required services. The Bank complies with all legal, statutory and regulatory requirements concerning the retention of personally identifiable information.
For initiating financial transactions, you are required to use OTP (One-Time-Password) which is valid for a specific time & applies to a single specified transaction. Security Questions sought in the app are stored securely in the bank's servers and these are used to validate you to enable the bank to provide you assistance in case you have difficulty in accessing your mobile banking account, Net banking account or such other electronic services offered by the bank where face-to-face interaction is not possible due to the very nature of the channel.
Be assured that Bharat Co-operative Bank (Mumbai) Ltd, values the trust reposed by you and shall ensure, to the best of its abilities and intentions, to keep your personal data safe as per the above-mentioned privacy principles.
Bank at its own discretion can update its privacy policies and post the update in the website. Your use of Digital Banking following the updates shall be deemed to have accepted the updated privacy policy.
Security Measures:
While you use our Mobile Banking app or Netbanking application, to keep you & your data safe, we do not store any sensitive information on the device. All information pertaining to your transactions, credentials, requests are stored securely in the bank's environment - protected by multiple layers of security.
All connectivity to bank through Netbanking, Mobile Banking or such other electronic channels, is secured through usage of SSL/TLS. This ensures that data transfer between the bank & the device happens only in an encrypted state. Bank's Netbanking & Mobile Banking Infrastructure undergoes regular Vulnerability Assessments & Penetration Tests to provide high level of Security Assurance to all stakeholders. Adequate steps are taken to ensure that personal information is not kept longer than necessary. Access to your personal information to Bank staff, its agents and third party service providers, is on a need-to-know basis. The Bank complies with all legal, statutory and regulatory requirements concerning the retention of personally identifiable information.
Be assured that Bharat Co-operative Bank (Mumbai) Ltd, values the trust reposed by you and shall ensure, to the best of its abilities and intention, to keep your personal data safe as per the above mentioned privacy principles. We also expect you to keep your devices protected with latest security updates/upgrades and follow safe online banking practices.
Privacy Policy Changes:
Although most changes are likely to be minor, Bharat Bank may change its Privacy Policy from time to time, and in Bharat Bank’s sole discretion. Bharat Bank encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.