Privacy Policy

As a part of THE RAJAJINAGAR CO OP BANK LTD., having its Head office at No.741, III Block, Rajajinagar, Bangalore-560010 ongoing efforts to ensure the compliance of modern banking approach, customer trust/ satisfaction, security oriented service and banking services, bank has adopted the privacy policy aimed at protecting individual’s personal information entrusted and disclosed toThe Rajajinagar Co Operative Bank Ltd. This Policy governs the way in which Bank collects, uses, discloses, stores, secures and disposes of personal information.

This policy is the property of THE RAJAJINAGAR CO OP BANK LTD and cannot be conveyed in any manner or in any form outside The Rajajinagar Co Operative Bank without prior written consent of Bank. The Bank reserves the right to modify this policy at any time. The Rajajinagar Co Operative Bank will endeavour to post the most current version of this policy on our website.

This Policy is applicable to personal information and sensitive personal data or information collected by the Bank or it’s affiliates directly from the customer or through the Bank’s online portals, mobile apps and electronic communications as also any information collected by the Bank’s server from the customer’s browser.

“Personal information” is data that can be used to identify a natural person. Some examples of personal information that we may collect are :

• Personal Information: May Include name, contract details, residential address, date of birth, identity card/passport details, and /or education details)
• Financial details : May Include income, expenses, and/or credit history)
• Employment details: May Include occupation, directorships and other positions held, employment history, salary, and/or benefits);
• Information about your risk profile, investments, investment objectives, knowledge and experience and/or business interest and assets;
• Banking information: May Include account numbers and banking transactions);
• Personal opinions made known to us: Like feedback or responses to surveys);
• Information obtained with consent from your mobile device like device location, device information (including storage, model, mobile network) transactional and promotional SMS, communication information including contacts and call logs.

1. Commitment
a) Information collected and used by The Rajajinagar Co Operative Bank can include information supplied by Users and also the information that is automatically collected through navigation or in any other form.

b) Our websites may contain links to other websites which are not maintained by PRMS Bank . This privacy policy only applies to the websites of The Rajajinagar Co Operative Bank. When visiting these third-party websites, you should read their privacy policies which will apply to your use of the websites.

2. Security
The Rajajinagar Co OperativeBank gives access of Users information to Authorized Employees only. Such employees are subjected to abide by the rules and regulations of The Rajajinagar Co Operative Bank. They undertake to abide by this Privacy Policy.

3. Sms and Email Privacy
The Rajajinagar Co OperativeBank respects the privacy of all its Users and takes every effort to protect sensitive customer information. The Rajajinagar Co OperativeBank never seeks from its Users any confidential / sensitive information like – PINs, passwords, CVV, expiry date, issue date, etc. though any medium.

• The Rajajinagar Co OperativeBank never sends unsolicited messages to your registered mobile number.
• The Rajajinagar Co Operative Bank never sends unsolicited emails to your registered email id.
• If Users have not registered their mobile phone number, PRMS Bank willendeavour to ensure Users that they will not receive any promotional SMS from us.
• The Rajajinagar Co Operativewill update / register Users mobile phone number or email id, only with their consent and/or signed application.

4. Disclosure Users authorizes The Rajajinagar Co Operative BANK to exchange / share / part with information of Users to its affiliates / financial institutes / banks / credit bureaus / telecommunication / agencies / electronic clearing network that may be required by law / credit reporting / customary practice / statistical analysis / credit scoring, etc. and shall not hold The Rajajinagar Co Operative BANK liable for disclosure of such information.

5. Consent Users consent irrevocably to The Rajajinagar Co Operative BANK for the following disclosures to third parties without any limitation :

• For the lawful / legal requirement or compliance.
• For enforcing terms and conditions of the products or services. For protecting or defending our rights / interests / property and also for protecting or defending the rights interests / property of our affiliates / banks / financial institutes etc.
• For preventing Fraud purposes.
• Users consent to the collection and use of their information by The Rajajinagar Co Operative BANK. Users consent to the terms of this policy.
• Users also undertakes to keep their password complex and not to disclose to anyone in any form.
• Users agree to receive communication from The Rajajinagar Co Operative BANK.

6. Reasonable Security Practices and Procedures The Rajajinagar Co OperativeBank is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information. The security of personal information is a priority and is protected by maintaining physical, electronic, and procedural safeguards that meet applicable laws. The Bank maintains its security systems to ensure that the personal information of the customer is appropriately protected and follows the extant standard encryption norms followed for the transmission of information. The Bank ensures that its employees and affiliates respect the confidentiality of any personal information held by the Bank.
The Bank may, from time to time, change this Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Approved by the Board of Directors on 31st day of October 2023 For THE RAJAJINAGAR CO OPERATIVE BANK LTD.

Privacy Policy for RCB Mobile Banking Application

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and It also Informs You about Your privacy rights and how the law protects You.

The Bank use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural Form.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
• Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Application refers to RCB Mobile Banking, the software program provided by the Bank.
• Bank, "We", "Us" or "Our" in this Agreement refers to The Rajajinagar Co-operative Bank Ltd, #741 3rd block, Rajajinagar, Bengaluru, Karnataka, Pincode-560010.
• State refers to: Karnataka.
• Country refers to: India.
• Device means any device that can access the Service such as a cellphone or a digital tablet.
• Personal Data is any information that relates to an identified or identifiable individual.
• Service refers to the Application.
• Service Provider means any natural or legal person who processes the data on behalf of the Bank. It refers to third-party companies or individuals employed by the Bank to facilitate the Service, to provide the Service on behalf of the Bank, to perform services related to the Service or to assist the Bank in analyzing how the Service is used.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• You means the individual accessing or using the Service, or the legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You.

Usage Data

Usage Data is collected automatically when using the Service. Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Information Collected while Using the Application

While using Our Application, in order to provide features of Our Application, We may collect, with Your prior permission:

• Information regarding your location

We use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Bank servers and/or a Service Provider's server or it may be simply stored on Your device.

You can enable or disable access to this information at any time, through Your Device settings.

Use of Your Personal Data

The Bank may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide You with news, special offers and general information about other Products/Offers, services and events which we offer that are similar to those that you have already purchased or enquire about unless You have opted not to receive such information.
• To manage Your requests: To attend and manage Your requests to Us.
• For business transfers: We may use Your information to evaluate or conduct a merger, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You Where Necessary.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Bank will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Bank will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Bank operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Bank will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You, Subject To Applicable Laws. Our Service may give You the ability to delete certain information Directly from within the Application.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that The Bank may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Bank is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Bank may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Bank may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Bank
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, The Bank implements technical and organizational measures to protect your data. However Please remember that no method of transmission over the Internet, or method of electronic storage is Completely secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers. If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated or Controlled by the Bank. If You click on a third party link, You will be directed to that third party's Websites. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party Websites or services.

Contact Us

• By email: contact@rcbl.co
• By visiting this page on our website: https://rcbl.co
• By phone number: 080 - 23151204, 23152073

Reviewed On 07-05-2026

Your's Sincerely
The Rajajinagar Co Operative Bank Ltd
Sd /- ANUSHA M N
Chief Executive Officer