Privacy Policy
Privacy Policy
The Peoples’ Urban Co-Operative Bank Ltd. respects the privacy of its customers and website visitors. This Privacy Policy explains how information may be collected, used, protected and disclosed when customers use the Bank's website, digital banking channels and related services.
1. Information We Collect
The Bank may collect personal information provided by customers in connection with account opening, banking transactions, service requests, enquiries, complaints and use of digital banking services. This may include name, address, contact information, account details, identification information and other information required for providing banking services and meeting legal or regulatory obligations.
2. Use of Information
Information collected by the Bank may be used to provide and improve banking services, process transactions, verify customer identity, communicate important service information, respond to enquiries and complaints, prevent fraud and comply with applicable laws, regulations and directions issued by competent authorities.
3. Protection of Personal Information
The Bank takes reasonable administrative, technical and organisational measures to protect customer information against unauthorised access, misuse, loss, alteration or disclosure. Customers are also advised to maintain the confidentiality of passwords, PINs, OTPs and other banking credentials.
4. Sharing and Disclosure of Information
Customer information may be shared only where necessary for providing banking services, complying with legal or regulatory requirements, responding to lawful requests from authorities, preventing fraud or where disclosure is otherwise permitted or required by applicable law.
5. Cookies and Website Usage
The Bank's website may use cookies or similar technologies to support website functionality, understand usage patterns and improve the user experience. Users may control cookies through their browser settings, although disabling certain cookies may affect website functionality.
6. Third-Party Websites and Services
The Bank's website may contain links to third-party websites or services. The Bank is not responsible for the privacy practices, content or security of external websites. Customers are advised to review the privacy policies of such websites before providing personal information.
7. Digital Banking Security
Customers should access Mobile Banking and other digital banking services only through official channels provided by the Bank. Customers should never disclose passwords, PINs, MPINs, OTPs, CVV details or other confidential banking information to any person.
8. Retention of Information
Personal and transaction information may be retained for as long as required for providing banking services and for meeting legal, regulatory, audit, accounting, security and record-keeping requirements.
9. Customer Rights and Requests
Customers may contact the Bank for assistance relating to their personal information, correction of contact details or other privacy-related requests, subject to applicable banking procedures and legal requirements.
10. Changes to this Privacy Policy
The Bank may revise this Privacy Policy from time to time to reflect changes in services, technology, legal requirements or internal practices. Updated information may be published on the Bank's website.
11. Contact
For privacy-related enquiries or assistance, customers may contact The Peoples’ Urban Co-Operative Bank Ltd. through the official contact channels published on the Bank's website or visit the nearest branch.
Important
Customers are advised to use only official PUCB channels for banking services and to report any suspicious communication, unauthorised transaction or suspected compromise of banking credentials to the Bank immediately.