Terms and Conditions

Effective Date

01-07-2024

Welcome to the People's Urban Co-operative Bank LTD website. By accessing or using this website, you agree to comply with these Terms and Conditions. If you do not agree with these terms, please do not use the website.

1. Acceptance of Terms

Use of this website constitutes acceptance of these Terms and Conditions. Where the website is used on behalf of an organisation, the person accessing it must have authority to bind that organisation.

The Bank may revise these terms from time to time at its discretion. The latest version published on the website will apply to continued use of the website and services.

Users are responsible for complying with applicable laws and regulatory requirements, including relevant Reserve Bank of India directions, the Prevention of Money Laundering Act, 2002 and applicable KYC / AML requirements.

2. Registration and Use

Certain services may require registration with People's Urban Co-operative Bank LTD and submission of the documents and information requested by the Bank. Customers must provide information that is true, accurate, current and complete.

The Bank may modify, suspend or discontinue services or features from time to time. Customers are responsible for safeguarding account credentials, passwords and other confidential access information. If a password or credential is suspected to have been compromised, the Bank should be informed immediately.

Users must access services only through interfaces authorised by the Bank and must not interfere with the website, its servers or connected networks.

• Do not transfer or assign registration rights without the Bank's written authorisation.
• Do not modify or create derivative works from the website or services.
• Do not reverse engineer, decrypt, decompile or attempt to derive source code.
• Do not remove or conceal copyright, proprietary or intellectual-property notices.

3. Use of the Website

The website must be used only for lawful purposes and in a manner that does not infringe the rights of others or interfere with their use of the website. Users must not transmit unlawful, offensive or disruptive content or otherwise interfere with normal website operation.

4. Intellectual Property

Website content, design, text, graphics and interfaces are owned by or licensed to People's Urban Co-operative Bank LTD and are protected by applicable intellectual-property laws. Material from the website may not be copied, reproduced, republished, uploaded, transmitted or distributed without prior written permission from the Bank.

5. Disclaimer of Warranties

The website is made available on an “as is” and “as available” basis. To the extent permitted by law, the Bank does not make warranties regarding uninterrupted availability, completeness, accuracy, merchantability, non-infringement or fitness for a particular purpose.

6. Limitation of Liability

To the extent permitted by applicable law, People's Urban Co-operative Bank LTD will not be liable for direct, indirect, incidental, consequential or punitive losses arising from the use of, or inability to use, the website, including losses resulting from interruptions, defects, delays, viruses, loss of profits or loss of data.

7. Third-Party Links

The website may contain links to external websites operated by third parties. Such links are provided for convenience. The Bank does not control and is not responsible for the content, privacy practices or operation of third-party websites.

8. Privacy

Use of this website is also subject to the Bank's Privacy Policy. By using the website, customers acknowledge the processing of personal information in accordance with that policy.

View Privacy Policy

9. Changes to These Terms

The Bank may update these Terms and Conditions periodically. Revised terms become effective when published on this website. Customers are advised to review this page from time to time.

10. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of India. Disputes arising from or relating to these terms are subject to the jurisdiction of the courts at Cochin, Kerala.

11. Force Majeure

The Bank will not be responsible for delay or failure in performance caused by events beyond its reasonable control, including natural disasters, fire, flood, earthquake, acts of God, war, terrorism, civil disturbance, epidemic, pandemic, government restrictions or similar force-majeure events, for as long as such circumstances continue.

12. Contact Us

Peoples' Urban Co-operative Bank LTD.
Head Office
Main Road, East Fort Gate,
Thrippunithura Main Road, SH15,
Thrippunithura, Kochi, Kerala - 682301

Email: peoples@peoples.bank.in
Phone: 8714600230, 0484-2783446