Welcome to the Mobile Banking Privacy Policy section of The Akola Urban Co-operative Bank Ltd., Akola.

This policy details how we collect, receive, store, handle, and protect the personal and financial information of users who access our mobile banking application and digital platforms.

1. Who is covered under this policy?

All natural persons ("Covered Persons"), whose personal information is either collected, received, possessed, stored, dealt in, or handled by The Akola Urban Co-Operative Bank, or who visit the site https://akolaurban.bank.in and provide information to the Bank online, are covered under this Policy.

2. Information covered by this Policy

This Policy seeks to cover personal information of the Covered Persons provided to the Bank, as well as any information collected by the bank server from the visitor’s browser. This includes:

• Personal/private information of the Covered Persons.
• Sensitive personal data or information (such as password, financial transaction history, biometric data).

3. Definitions used in this policy

"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:

• Passwords.
• Financial information such as Bank account, credit card, debit card, or other payment instrument details.
• Physical, physiological, and mental health conditions.
• Sexual orientation.
• Medical records and history.
• Biometric information.

Provided that, any information that is freely available or accessible in the public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information.

4. Key Features of the Policy

All Information collected shall be used for relevant lawful purposes connected with the functions or activities of the Bank. This information helps determine eligibility for products/services, performs identity verification, processes applications, transactions, and complies with legal and regulatory requirements.

The Information shall not be shared with any external organization unless necessary to protect the interests of the Bank, compile transactions, report credit, or comply with statutory requirements, banking regulations, and court orders.

We may share your Information, without obtaining prior written consent, with government agencies mandated under the law to obtain information for verification of identity, or for prevention, detection, investigation (including cyber incidents), and prosecution of offences.

Accuracy of the Information provided to us is essential. Users must ensure all information disclosed is complete and updated. The Covered Person authorizes the Bank to exchange or share transaction histories with affiliates, credit bureaus, or risk management agencies as required by customary practice or law.

5. Cookie Policy

The Bank's website uses cookies to improve user experience, store visitor preferences, and optimize site navigation. Persistent cookies store non-personal information (Browser, OS, ISP) and profiling information (age, gender). Personal details (names, account numbers) are never stored on cookies.

The Bank reserves the right to modify, change, or update this policy at any time to align with new regulations or security enhancements.