Privacy Policy

1. Introduction

The Davangere Harihar Urban Sahakara Bank Niyamitha ("DHUSBN", "we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our banking applications, or interact with our services.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, address, date of birth, PAN card, Aadhaar number, passport details, and other KYC documents as mandated by the Reserve Bank of India (RBI).
• Contact Information: Email address, phone numbers, and permanent/correspondence addresses.
• Financial Information: Account balances, transaction history, credit history, income details, and payment records.
• Technical Data: IP address, browser type, device information, operating system, and website usage data collected via cookies and similar technologies.

3. How We Use Your Information

We use the collected information for the following purposes:

• To open, maintain, and manage your bank accounts and deposits.
• To process banking transactions, loan applications, and fund transfers.
• To comply with legal and regulatory requirements, including Anti-Money Laundering (AML) and Know Your Customer (KYC) guidelines.
• To communicate with you regarding account updates, security alerts, and customer service inquiries.
• To improve our website, banking products, and digital services.
• To prevent, detect, and investigate fraudulent or unauthorized activities.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your data only under the following circumstances:

• Regulatory Bodies: With the RBI, tax authorities, and law enforcement agencies when legally required.
• Service Providers: With trusted third-party vendors (e.g., payment gateways, ATM networks, card issuers) who assist us in providing banking services, strictly under confidentiality agreements.
• Credit Information Companies: E.g., CIBIL, as required by law for loan processing and credit reporting.

5. Data Security

We implement robust administrative, technical, and physical security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. This includes encryption protocols, secure firewalls, and regular security audits. However, no data transmission over the internet can be guaranteed as 100% secure.

6. Cookies and Tracking Technologies

Our website may use cookies to enhance your browsing experience. Cookies are small data files stored on your device that help us analyze web traffic and tailor our services to your preferences. You can choose to accept or decline cookies through your browser settings, though declining may limit your access to certain features of our website.

7. Your Rights

Subject to applicable banking laws and regulations, you have the right to access, update, and correct your personal information held by us. To request updates to your KYC details or other records, please visit your home branch with the necessary supporting documents.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal or regulatory requirements or our business practices. The updated version will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions, concerns, or grievances regarding this Privacy Policy or the handling of your data, please contact us at: