Privacy Policy

Adilabad District Cooperative Central Bank Ltd. (“Bank”, “we”, “our” or “us”) is committed to safeguarding the privacy, confidentiality, and security of customer information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you access our website, mobile applications, or any of our digital banking services (“Services”).

By using our Services, you consent to the collection, processing, and use of your information in accordance with this Privacy Policy and applicable laws, including the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and guidelines issued by the Reserve Bank of India (RBI).

Information Collection and Use

We collect information strictly for lawful business purposes, to provide secure banking services, and to comply with regulatory requirements.

Types of Data Collected:

Personal Information: Name, address, contact details, account details, KYC documents, identification details (PAN, Aadhaar, Voter ID, etc.), photograph, employment details, financial information, and any information voluntarily provided by you.
Sensitive Personal Data (SPDI): Passwords, authentication details, biometric information, Aadhaar number, financial information, and other information classified as SPDI under IT Rules, 2011.
Usage Data: IP address, browser type, device identifiers, operating system, access time, pages visited, and other technical data related to usage of our digital platforms.
Cookies & Tracking Data: We use cookies and similar technologies to improve user experience, security, and preferences. Users may control cookie settings via their browser or the cookie consent banner on our website.

Use of Data

Customer information is used strictly for banking and regulatory purposes, including:

Providing and improving banking and digital services.
Verifying customer identity and maintaining account security.
Processing transactions and responding to service requests.
Communicating important service updates, alerts, and policy changes.
Complying with applicable legal and regulatory requirements.
Conducting audits, fraud detection, risk management, and dispute resolution.

Disclosure of Data

We do not sell or share customer data for marketing purposes. Information may be disclosed only in the following circumstances:

Regulatory Compliance: To comply with applicable laws, RBI directives, or government requests.
Legal Protection: To safeguard the rights, property, or safety of the Bank, its customers, or the public.
Authorized Service Providers: With third-party vendors engaged by the Bank, subject to strict confidentiality obligations and use solely for providing services to the Bank.
Cross-Border Data Transfer (if applicable): If data is processed or stored outside India, it will be transferred only in compliance with applicable laws and with adequate protection measures in place.

Data Security

We adopt industry-standard security measures, including encryption, firewalls, secure access controls, and periodic audits, to protect customer data. Access to sensitive personal data is restricted to authorized personnel only.

Customers are advised to exercise caution and not disclose banking credentials to third parties. The Bank shall not be responsible for any unauthorized access resulting from customer negligence.

Data Storage & Retention

Customer data is stored securely and retained only as long as necessary to:

Provide banking services,
Comply with legal and regulatory obligations,
Resolve disputes and enforce agreements.

Once the retention period lapses, data will be securely deleted or anonymized.

Rights of Customers

Customers have the following rights:

Access & Correction: Update or correct personal information by contacting the Bank.
Opt-out: Choose not to receive non-essential marketing/notification communications.
Data Deletion & Account Closure: Submit requests for account closure or data deletion in writing, subject to legal and regulatory obligations.
Consent Withdrawal: Withdraw consent for processing personal data (where applicable), with the understanding that certain banking services may no longer be available.

Children’s Privacy

Our Services are not intended for individuals below 18 years of age. The Bank does not knowingly collect personal information from minors without appropriate guardian consent.

Third-Party Links

Our website or mobile applications may contain links to third-party sites. The Bank is not responsible for the privacy practices, content, or security of such external sites. Customers are advised to review third-party privacy policies before use.

Grievance Redressal & Contact Details

In compliance with RBI and IT Act requirements, the Bank has appointed a Grievance Officer/Nodal Officer for addressing privacy-related queries, complaints, and requests.

Grievance Officer
Adilabad District Cooperative Central Bank Ltd.
[Postal Address : Door No. 4-3-18/3, Cinema Road, Hameedpura, Adilabad – 504001 ( T.S )]

All complaints will be acknowledged within 48 hours and resolved within 30 days, in line with RBI guidelines.

Amendments to this Policy

The Bank reserves the right to update or modify this Privacy Policy at any time to reflect regulatory changes or service updates. Any revisions will be published on the Bank’s official website, and customers are encouraged to review it periodically.