The purpose of this Privacy Policy of Apna Sahakari Bank Ltd. is in ensuring privacy and confidentiality of customer information.

This policy is applicable to Apna Sahakari Bank Ltd’s website and services offered by the bank.

The Bank has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the Internet and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy policy or in terms of the agreements, if any, with the Customers.

The Customers are required to cooperate with Apna Sahakari bank Ltd. in order to ensure the security of the information. To ensure the secured access, it is recommended that the Customers necessarily choose their passwords and Pin numbers carefully such that no unauthorised access is made by a third party. The Customers should undertake not to disclose their password, Pin numbers, OTP to anyone or keep any written or other record of the password, Pin number such that a third party could access it.

Apna Sahakari Bank Ltd. undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:

• Confirm to legal requirements or comply with legal process;
• Protect and defend Apna Sahakari Bank Ltd 's or its affiliates' rights, interests or property;
• Enforce the terms and conditions of the products or services; or act to protect the interests of the bank, its affiliates, or its members, constituents or of other persons.

The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to Apna Sahakari Bank Ltd. or its affiliates of confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle Apna Sahakari Bank Ltd. or its affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

Apna Sahakari Bank Ltd. will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the customers.

The customer authorises Apna Sahakari Bank Ltd. to use the information to carry out any obligation related to its business relationship with the Bank. Additionally, the bank may use and share this information with its affiliates ,third parties, financial institutions, credit bureaus for its operational and management requirements , providing services and any service-related activities, product promotions, , creditworthiness evaluation and/or , debt collection, customer relationship management, fulfilling all statutory and regulatory obligations and all other legitimate purposes.

Apna Sahakari Bank Ltd. will always do its best to ensure security of the information

IMPS (Mobile Banking)

Terms and Conditions

• I/We declare that the information provided in the application are true correct and complete. I/we also hereby agree to bear charges (if any) as revised from time to time by the Bank at its sole discretion.
• Bank should not be held responsible / liable for non receipt of the Mobile Banking services due to incomplete information mentioned or any reasons beyond the control of the bank which may include technology failure, mechanical breakdown.
• Transactions initiated through Mobile banking application are irrevocable; Bank shall not entertain any request for revocation of transaction or stop payment request for transaction initiated through Mobile Banking.
• Customer shall not use the Mobile Banking Application for illegal activities
• Customer shall NOT share their passwords, any of the PIN numbers, OTPs with anyone including Bank’s staff/ associate representatives.
• Customer should change All PIN numbers on first usage of Mobile Banking Application.
• Customer shall abide by the limits imposed by bank on maximum numbers of transaction and maximum amount permitted for all Mobile Banking Application.
• Bank reserves the right to change the number of transactions and amount at any time.
• Bank shall not be responsible for any loss to customers arising out of usage of the Mobile Banking service provided by the Bank.
• Bank reserves the right to offer Mobile Banking service to its customers, add or change the existing services and may withdraw the service at any time without notice and without giving any reason there of at Bank’s sole discretion.
• Customer expressly authorises the bank to disclose mobile / sms service provider information in its possession as may be required by them to provide services to the customer.
• Customer irrevocably and unconditionally authorises Apna Sahakari Bank Ltd. to access all his/her accounts for affecting banking or other transactions of the customer through Mobile Banking services.
• Customer is fully aware of the DND (Do Not Disturb) provisions and guidelines of TRAI. The bank shall not be held liable or responsible if the SMS and Mobile services areprovided though their mobile are registered under DND
• I/We understand that I/We shall be required to initiate SMS or GPRS (Mobile data ) services for availing Mobile Banking facilty and hence shall be liableto pay charges to my/our respective service provider as per applicable tariff plan. I/We also understand that Bank will not be responsible/liablefor any such charges levied by the services provider.

Disclaimer

The customer shall be responsible for the safe custody and security of the Mobile Banking Application downloaded on their mobile phones to avoid unauthorised usage.

Information that bank may collect about you through mobile banking includes information that you voluntarily disclose at the time of application such as your name, primary a/c number, alias a/c, secondary account number/s, mobile number and other contact information; transaction information, information resulting from your mobile activity in terms of your usage of the subscribed mobile banking service. We do not gather additional information associated with your mobile device through cookies and other technologies. Customer expressly authorises the bank to disclose the mobile/sms service provider information in its possession as may be required by them to provide the services to the customer

Transactions initiated through Mobile banking application are irrevocable. The customer shall be solely responsible/ liable for any loss, claim, liability arising therefrom and or incidental thereto

Declaration

I/We declare that the information provided in the application are true correct and complete.

I/We affirm, confirm and undertake that I/We have read, understood and accept the Terms and Conditions for usage of Mobile Banking services offered by Apna Sahakari Bank Ltd. as displayed on the www.apnabank.co.in and any updates that come to the website from time to time I/We agree to abide by them. I/We agree to adhere and comply regulation / practices set by telecom authority/ regulatory authority/NPCI/ Government of India / State government etc towards all services associated banking activities.

Limitation of Liability

Bank shall not be held liable and shall be absolved from all liabilities whatsoever for any loss caused to the customer due to any reason beyond the control of the bank, the Bank is unable to receive or execute any of the request from the customer or there is loss of information during the process of transmission or processing , which may include technology failure, mechanical breakdown, interruption, suspension or failure of telecommunication equipment