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PRIVACY NOTICE
Thank you for choosing to be part of our community at The Davangere Urban Cooperative Bank
Ltd.,, doing business as DUCB ("we", "us", "our"). We are committed to protecting your personal
information and your right to privacy. If you have any questions or concerns about this privacy
notice, or our practices with regards to your personal information, please contact us
at ducbank@ducbank.com
When you use our mobile application, as the case may be (the "App") and more generally, use
any of our services (the "Services", which include the App), we appreciate that you are trusting
us with your personal information. We take your privacy very seriously. In this privacy notice, we
seek to explain to you in the clearest way possible what information we collect, how we use it
and what rights you have in relation to it. We hope you take some time to read through it
carefully, as it is important. If there are any terms in this privacy notice that you do not agree with,
please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described
above, includes our App), as well as, any related services, sales, marketing or events.
1. WHAT INFORMATION DO WE COLLECT?
Information collected through our App
In Short: We collect information regarding your mobile device, when you use our App.
If you use our App, we also collect the following information:
Mobile Device Access. We may request access or permission to certain features from
your mobile device, including your mobile device's camera, sms messages, storage, and
other features. If you wish to change our access or permissions, you may do so in your
device's settings.
Mobile Device Data. We automatically collect device information (such as your mobile
device ID, model and manufacturer), operating system, version information and system
configuration information, device and application identification numbers, browser type
and version, hardware model Internet service provider and/or mobile carrier, and Internet
Protocol (IP) address (or proxy server). If you are using our App, we may also collect
information about the phone network associated with your mobile device, your mobile
device’s operating system or platform, the type of mobile device you use, your mobile
device’s unique device ID and information about the features of our App you accessed.
This information is primarily needed to maintain the security and operation of our App, for
troubleshooting and for our internal analytics and reporting purposes.
2. HOW DO WE USE YOUR INFORMATION?
In Short: We process your information for purposes based on legitimate business interests, the
fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our App for a variety of business purposes described
below. We process your personal information for these purposes in reliance on our legitimate
business interests, in order to enter into or perform a contract with you, with your consent, and/or
for compliance with our legal obligations. We indicate the specific processing grounds we rely on
next to each purpose listed below.
We use the information we collect or receive:
For other business purposes. We may use your information for other business
purposes, such as data analysis, identifying usage trends, determining the effectiveness
of our promotional campaigns and to evaluate and improve our App, products, marketing
and your experience. We may use and store this information in aggregated and
anonymized form so that it is not associated with individual end users and does not
include personal information. We will not use identifiable personal information without
your consent.
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
In Short: We only share information with your consent, to comply with laws, to provide you with
services, to protect your rights, or to fulfill business obligations.
We may process or share your data that we hold based on the following legal basis:
Consent: We may process your data if you have given us specific consent to use your
personal information for a specific purpose.
Legitimate Interests: We may process your data when it is reasonably necessary to
achieve our legitimate business interests.
Performance of a Contract: Where we have entered into a contract with you, we may
process your personal information to fulfill the terms of our contract.
Legal Obligations: We may disclose your information where we are legally required to
do so in order to comply with applicable law, governmental requests, a judicial
proceeding, court order, or legal process, such as in response to a court order or a
subpoena (including in response to public authorities to meet national security or law
enforcement requirements).
Vital Interests: We may disclose your information where we believe it is necessary to
investigate, prevent, or take action regarding potential violations of our policies,
suspected fraud, situations involving potential threats to the safety of any person and
illegal activities, or as evidence in litigation in which we are involved.
More specifically, we may need to process your data or share your personal information in the
following situations:
Business Transfers. We may share or transfer your information in connection with, or
during negotiations of, any merger, sale of company assets, financing, or acquisition of all
or a portion of our business to another company.
4. IS YOUR INFORMATION TRANSFERRED
INTERNATIONALLY?
In Short: We may transfer, store, and process your information in countries other than your own.
Our servers are located in. If you are accessing our App from outside, please be aware that your
information may be transferred to, stored, and processed by us in our facilities and by those third
parties with whom we may share your personal information (see "WILL YOUR INFORMATION
BE SHARED WITH ANYONE?" above), in and other countries.
If you are a resident in the European Economic Area, then these countries may not necessarily
have data protection laws or other similar laws as comprehensive as those in your country. We
will however take all necessary measures to protect your personal information in accordance with
this privacy notice and applicable law.
5. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in
this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out
in this privacy notice, unless a longer retention period is required or permitted by law (such as
tax, accounting or other legal requirements). No purpose in this notice will require us keeping
your personal information for longer than __________.
When we have no ongoing legitimate business need to process your personal information, we
will either delete or anonymize such information, or, if this is not possible (for example, because
your personal information has been stored in backup archives), then we will securely store your
personal information and isolate it from any further processing until deletion is possible.
. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and
technical security measures.
We have implemented appropriate technical and organizational security measures designed to
protect the security of any personal information we process. However, despite our safeguards
and efforts to secure your information, no electronic transmission over the Internet or information
storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee
that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our
security, and improperly collect, access, steal, or modify your information. Although we will do our
best to protect your personal information, transmission of personal information to and from
our App is at your own risk. You should only access the App within a secure environment.
7. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age. By using
the App, you represent that you are at least 18 or that you are the parent or guardian of such a
minor and consent to such minor dependent’s use of the App. If we learn that personal
information from users less than 18 years of age has been collected, we will deactivate the
account and take reasonable measures to promptly delete such data from our records. If you
become aware of any data we may have collected from children under age 18, please contact us
at ducbank@ducbank.com.
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