Privacy policy
Mobile Banking App
Dapoli
Urban Co-Operative Bank Ltd.
("we", "our", or "us") respects your privacy and
is committed to protecting your personal information. This Privacy Policy
describes how we collect, use, disclose, and protect information when you use
our Mobile Banking App (“App”), available on the Google Play Store.
By
downloading, accessing, or using the App, you agree to the practices described
in this policy.
1.
Information We Collect
We
collect the following types of information:
a.
Personal Information:
- Name
- Mobile number
- Email address (if provided)
- Bank account details (for view/use within the app)
- Identification documents (as required for KYC)
b.
Device & Usage Information:
- Device model, operating system version
- App version
- IP address
- Mobile network information
- Logs related to app usage (for security and troubleshooting)
c.
Permissions:
The app may request access to:
- SMS (to read OTP for authentication)
- Phone state (to detect SIM and prevent fraud)
- Location (only if required for security or compliance)
- Camera (for KYC or cheque deposit, if applicable)
We
request only the permissions essential for banking functionality.
2.
How We Use Your Information
We use
your information to:
- Provide secure access to your bank accounts
- Authenticate your identity
- Process transactions
- Improve app functionality
- Send transaction alerts and security notifications
- Meet legal and regulatory obligations
3.
Sharing of Information
We do
not sell or share your personal information with third parties for
marketing purposes.
We may
share information with:
- RBI-regulated service providers, for transaction processing
- Law enforcement or regulators, if required by law
- Authorized technology partners (under NDA) for app support and analytics
4.
Data Security
We
follow industry-standard security practices to protect your data, including:
- End-to-end encryption
- Multi-factor authentication
- Secure server environments
- Regular audits and vulnerability assessments
Your
banking information is not stored on your device or shared without your
consent.
5.
Your Rights
You have
the right to:
- Access and review your personal data
- Request correction of inaccuracies
- Withdraw consent and request deletion (subject to regulatory obligations)
For any
data-related requests, contact us using the details below.
Mr. Sambhajirao Thorat. Chief Executive Officer -
6.
Children’s Privacy
Our
mobile banking app is intended for users aged 18 years and above. We do not
knowingly collect information from children.
7.
Changes to This Policy
We may
update this Privacy Policy from time to time. Any changes will be posted within
the App and on our website. Continued use of the App after changes implies
acceptance.
8.
Contact Us
For any
questions or concerns about this Privacy Policy or your personal data, contact:
Dapoli
Urban Co-Operative Bank Ltd.
Head Office: Dapoli Urban Co-Op Bank Limited, Veer Savarkar Maarg, Next to Post
office, Dapoli , Ratnagiri.
Email: info@dapoliurbanbank.com
Website: www.dapoliurbanbank.com