Mobile Banking Privacy Policy

When you visit this website The Darussalam Co-Operative Urban Bank Ltd. may collect information about you, either directly (where you are asked to provide the same) or indirectly.

In the course of using The Darussalam Co-Operative Urban Bank Ltd.’s website or mobile application or any other online application for availing the products and services vide the online application forms and questionnaires, The Darussalam Co-Operative Urban Bank Ltd. and its affiliates may become privy to the personal information of its Customers, including information that is of a confidential nature.

The Darussalam Co-Operative Urban Bank Ltd. is strongly committed to protecting the privacy of its Customers and has taken all necessary and reasonable measures to protect the confidentiality of the Customers’ information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Promise or in terms of the agreements, if any, with the Customers from time to time.

This privacy policy also outlines our privacy practices for Customers who apply for and/or obtain services from us including loans, deposits, investments, insurance, or safe deposit box.

The Darussalam Co-Operative Urban Bank Ltd. endeavors to safeguard and ensure the security of the information provided by the Customer. The Customer would be required to co-operate with The Darussalam Co-Operative Urban Bank Ltd. in order to ensure the security of the information, and it is recommended that the Customers necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the user should use combination of alphabets, numbers and special characters (like !, @, #, $ etc.). The Customer should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.

The Darussalam Co-Operative Urban Bank Ltd. undertakes not to disclose the information provided by the Customer to any person, unless such action is necessary to:

1. Conform to legal requirements or comply with legal process;

2. Protect and defend The Darussalam Co-Operative Urban Bank Ltd.’s or its Affiliates’ rights, interests or property;

3. Enforce the terms and conditions of the products or services; or

4. Act to protect the interests of The Darussalam Co-Operative Urban Bank Ltd., its Affiliates, or its members, constituents or of other persons.

The Customer shall not disclose to any other person, in any manner whatsoever, any information relating to The Darussalam Co-Operative Urban Bank Ltd. or its Affiliates of a 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 The Darussalam Co-Operative Urban Bank Ltd. or its Affiliates to terminate the services, without prejudice to any damages, to which the Customer may be entitled otherwise.

On our websites, you remain anonymous unless you register for, apply for or use a product or service or otherwise choose to disclose your identity to us (for example, by logging into Net Banking). We may collect information generated by your computer or device, including the IP address (a numeric address assigned automatically to computers and mobile devices when they access the internet) or other identifiers.

The Darussalam Co-Operative Urban 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 Darussalam Co-Operative Urban Bank Ltd. may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the Customer information to one or more agents and contractors of The Darussalam Co-Operative Urban Bank Ltd. and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from The Darussalam Co-Operative Urban Bank Ltd. only for these purposes.

The Customer authorizes The Darussalam Co-Operative Urban Bank Ltd. to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / banks /financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold The Darussalam Co-Operative Urban Bank Ltd. liable for use or disclosure of this information.

Any information that is freely available or accessible in public domain or furnished under the right to Information Act,2005 or any law for the time being in force shall not be regarded as data or information for the purpose of this and the bank shall not be responsible for the same.

The privacy practices set forth in this policy are for www.darussalambank.com website and mobile application only. The Darussalam Co-Operative Urban Bank Ltd. website may contain links to other websites of similar interest. However, once Customer click these links and leave the bank’s website, customer should note that The Darussalam Co-Operative Urban Bank Ltd. does not have any control over other websites. Therefore, The Darussalam Co-Operative Urban Bank Ltd. cannot be responsible for the protection and privacy of any information which user provide whilst visiting such websites and such websites are not governed by this privacy statement. Customer should exercise caution and look at the privacy statement applicable to the respective website(s).

When user access The Darussalam Co-Operative Urban Bank Ltd. website from a computer, mobile application from mobile phone, or other device, the bank may collect information from that device about the browser type, location, and IP address, as well as the pages user visits. The websites keep track of the pages a user may visit by appropriately capturing the IP addresses, browser information, etc. using cookies. The information collected using cookies might be used for analysis of user behavior. The Darussalam Co-Operative Urban Bank Ltd. is not liable if the cookies are used by advertisers or any other third parties when user visit The Darussalam Co-Operative Urban Bank Ltd. website or mobile application from other sites or if Customer visit another site after visiting The Darussalam Co-Operative Urban Bank Ltd. website / mobile application.

The Darussalam Co-Operative Urban Bank Ltd. website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies that are text files containing small amounts of information {this does not include personal sensitive information} which are downloaded to your device when you visit a website in order to provide a personalized browsing experience.

Cookies do lots of different jobs, like allowing users to navigate between pages efficiently, remembering their preferences, and generally improving their browsing experience. These cookies collect information analytics about how users use a website, for instance often visited pages.

All information collected by third party cookies is aggregated and therefore anonymous. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her web browser settings. The Darussalam Co-Operative Urban Bank Ltd. is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

Agreement Policy: By viewing Mobile Banking Application or by using The Darussalam Co-Operative Urban Bank Ltd. website “www.darussalambank.com” on a mobile device or else you consent to this policy which includes you consent to disclose and use information about you in the manner detailed in this policy. Other privacy policies may also apply in addition to the terms of this Privacy Policy, including but not limited to our Privacy Policy.

The Darussalam Co-Operative Urban Bank Ltd. reserves its rights to correct any part of the said content at any time, as and when required at its sole discretion. The content of this website shall not be displayed, printed, published in any form in part or whole, without the prior written approval of The Darussalam Co-Operative Urban Bank Ltd..

Changes to Our Online Privacy Policy: The Bank may from time to time may change this policy. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. We may add to or change this policy from time to time and will post the revised policy on this site. Your continued use of our site or any online service following changes to the policy will constitute your agreement to changes.

Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. We are not responsible to separately / individually inform or intimate to registered customers for change made in Privacy Policy by the bank.

We feel strongly about protecting the privacy of children. As such, we do not knowingly collect personally identifiable information from children under the age of 18.

If you have any questions about our practices, please contact The Darussalam Co-Operative Urban Bank Ltd. at Mobile W/a 8125208125 / 8125108125

We may use your Personal Information to contact you or send newsletters, marketing or promotional materials and other information.

We apply several security measures to protect your information. Reply messages sent by the Mobile Banking/internet Banking/ WhatsApp Banking use masking features to hide the first few characters in your a/c numbers.

To help prevent misuse of services and authorize access to your banking information, you are always required to type in your MPIN/TPIN/ OTP provided by the bank or set by you from time to time.

As always, we strongly encourage you to assist us in that effort by not sharing your MPIN/TPIN/OTP with anyone. Though the security of your Personal Information is important to us, there is no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we attempt to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

This Privacy Policy is effective as of 01.11.2019 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.