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Lenotice and Request for Consent

I hereby consent to collection and processing of my data by Bharat Co-operative Bank (Mumbai) Ltd., for availing this account and relevant services in the manner described below.

Notice and request for consent

Bharat Co-operative Bank (Mumbai) Ltd., ("Bank" or "us" or "we") respects your privacy and is committed to protecting your personal data.

This notice and request for consent ("Notice") will inform you about how the Bank proposes to collect, handle, store, use, disclose and transfer ("Process") your personal data in connection with the requested product/account relationship and related services.

1. Categories of Personal Data

We may Process the following types of your personal data:

  • Identity & Contact: Name, address, mobile number, email, signatures, date of birth, identity/residence identifiers (Aadhaar, PAN), marital status, citizenship, etc.
  • Financial Details: Income, occupation, transaction history, payment records, etc.
  • Third-Party Info: Nominee, family, authorized signatories, correspondent bank data.
  • Online & Technical: Location, IP address, device IMEI, operating system, contact lists, technical usage data, PINs in encrypted form.
  • Correspondence & Analytics: Records of chats, emails, telephone calls, credit scores, behavioural projections, analytical results.
2. Purposes of Processing
  • To meet legal, KYC/AML, credit reporting, data audit, and regulatory obligations.
  • To assess and monitor continued eligibility and suitability for requested products.
  • To enable net banking, digital banking, card issuance, and service delivery.
  • To enable repayment, recovery, legal enforcement, and fraud prevention.
3. Data Sharing

We may share your personal data with affiliates, credit bureaus, payment gateways, card associations, service providers, consultants, fintech partners, and loyalty management entities for specified purposes.

4. Rights & Withdrawal of Consent

You have the right to withdraw your consent at any time by writing to privacy@bharatbank.bank.in. Discontinuation of consent may affect our ability to continue offering requested services.

5. Contact Information

DPO: Mr. Sunil Palkar

Email: privacy@bharatbank.bank.in

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Copyright Policy

Bharat Co-operative Bank (Mumbai) Ltd

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OwnershipĀ andĀ Usage

The content featured on this website (including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, and data compilations) is the property of Bharat Co-operative Bank (Mumbai) Ltd. and is protected by Indian Copyright Laws.

While the Bank maintains ownership of all data compilations and digital downloads featured on this site, any Personal Data contained within or collected through the use of this content is governed by the Digital Personal Data Protection Act, 2023. The Bank acts as a Data Fiduciary and ensures that all personal data is processed only for lawful purposes and with the necessary consent or legitimate use as defined under the Act.

PermissionĀ forĀ Reproduction

Material featured on this site may be reproduced free of charge in any format or media without requiring specific permission. This is subject to the material being reproduced accurately and not being used in a derogatory manner or in a misleading context. Where the material is being published or issued to others, the source must be prominently acknowledged.

Exceptions

The permission to reproduce this material does not extend to any material on this site which is identified as being the copyright of a third party. Authorization to reproduce such material must be obtained from the copyright holders concerned.

The permission to reproduce material does not extend to third-party copyright. Where third- party material contains the personal data of any individual, users must ensure they have a valid legal basis under the DPDP Act for any further processing or reproduction of such information, in addition to obtaining copyright authorization from the concerned holders.

CommercialĀ Use

Commercial use of the website’s content is strictly prohibited unless prior written authorization is obtained from the Management of Bharat Co-operative Bank (Mumbai) Ltd.

Furthermore, the use of automated systems, including but not limited to bots, spiders, or AI- training scrapers, to extract content, data compilations, or personal information from this website is strictly forbidden. Any unauthorized extraction of data that leads to the processing of personal data without explicit consent shall be considered a violation of both this Copyright Policy and the DPDP Act.

For any concerns regarding the misuse of content or questions related to the protection of personal data under the DPDP Act, please contact our Grievance Redressal Cell. The contact details for the same are available on our Contact Us Page.

ą¤øą„ą¤µą¤¾ą¤®ą¤æą¤¤ą„ą¤µ और ą¤‰ą¤Ŗą¤Æą„‹ą¤— (Ownership and Usage)

इस ą¤µą„‡ą¤¬ą¤øą¤¾ą¤‡ą¤Ÿ पर ą¤Ŗą„ą¤°ą¤¦ą¤°ą„ą¤¶ą¤æą¤¤ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ (ą¤œą¤æą¤øą¤®ą„‡ą¤‚ ą¤Ÿą„‡ą¤•ą„ą¤øą„ą¤Ÿ, ą¤—ą„ą¤°ą¤¾ą¤«ą¤æą¤•ą„ą¤ø, ą¤²ą„‹ą¤—ą„‹, आइकन, ą¤šą¤æą¤¤ą„ą¤°, ą¤‘ą¤”ą¤æą¤Æą„‹ ą¤•ą„ą¤²ą¤æą¤Ŗ, ą¤µą„€ą¤”ą¤æą¤Æą„‹ ą¤•ą„ą¤²ą¤æą¤Ŗ, औिजिटल ą¤”ą¤¾ą¤‰ą¤Øą¤²ą„‹ą¤” और ą¤”ą„‡ą¤Ÿą¤¾ संकलन शामिल ą¤¹ą„ˆą¤‚, ą¤²ą„‡ą¤•ą¤æą¤Ø ą¤‡ą¤Øą„ą¤¹ą„€ą¤‚ तक ą¤øą„€ą¤®ą¤æą¤¤ ą¤Øą¤¹ą„€ą¤‚ ą¤¹ą„ˆą¤‚) भारत ą¤•ą„‹-ą¤‘ą¤Ŗą¤°ą„‡ą¤Ÿą¤æą¤µ ą¤¬ą„ˆą¤‚ą¤• (ą¤®ą„ą¤‚ą¤¬ą¤ˆ) ą¤²ą¤æą¤®ą¤æą¤Ÿą„‡ą¤” ą¤•ą„€ ą¤øą¤‚ą¤Ŗą¤¤ą„ą¤¤ą¤æ ą¤¹ą„ˆ और ą¤­ą¤¾ą¤°ą¤¤ą„€ą¤Æ ą¤•ą„‰ą¤Ŗą„€ą¤°ą¤¾ą¤‡ą¤Ÿ ą¤•ą¤¾ą¤Øą„‚ą¤Øą„‹ą¤‚ ą¤¦ą„ą¤µą¤¾ą¤°ą¤¾ ą¤øą¤‚ą¤°ą¤•ą„ą¤·ą¤æą¤¤ ą¤¹ą„ˆ ą„¤

ą¤Æą¤¦ą„ą¤Æą¤Ŗą¤æ ą¤¬ą„ˆą¤‚ą¤• इस ą¤øą¤¾ą¤‡ą¤Ÿ पर ą¤Ŗą„ą¤°ą¤¦ą¤°ą„ą¤¶ą¤æą¤¤ ą¤øą¤­ą„€ ą¤”ą„‡ą¤Ÿą¤¾ संकलन और औिजिटल ą¤”ą¤¾ą¤‰ą¤Øą¤²ą„‹ą¤” का ą¤øą„ą¤µą¤¾ą¤®ą¤æą¤¤ą„ą¤µ ą¤¬ą¤Øą¤¾ą¤ रखता ą¤¹ą„ˆ, ą¤²ą„‡ą¤•ą¤æą¤Ø इस ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤•ą„‡ ą¤‰ą¤Ŗą¤Æą„‹ą¤— ą¤•ą„‡ ą¤®ą¤¾ą¤§ą„ą¤Æą¤® ą¤øą„‡ निहित या ą¤ą¤•ą¤¤ą„ą¤° किया गया ą¤•ą„‹ą¤ˆ ą¤­ą„€ ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ (Personal Data), औिजिटल ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ ą¤øą¤‚ą¤°ą¤•ą„ą¤·ą¤£ अधिनियम (DPDP Act), 2023 ą¤¦ą„ą¤µą¤¾ą¤°ą¤¾ शासित ą¤¹ą„‹ą¤¤ą¤¾ ą¤¹ą„ˆ ą„¤ ą¤¬ą„ˆą¤‚ą¤• ą¤ą¤• ą¤”ą„‡ą¤Ÿą¤¾ ą¤«ą¤æą¤”ą„ą¤¶ą¤æą¤Æą¤°ą„€ (Data Fiduciary) ą¤•ą„‡ ą¤°ą„‚ą¤Ŗ ą¤®ą„‡ą¤‚ ą¤•ą¤¾ą¤°ą„ą¤Æ करता ą¤¹ą„ˆ और यह ą¤øą„ą¤Øą¤æą¤¶ą„ą¤šą¤æą¤¤ करता ą¤¹ą„ˆ कि ą¤øą¤­ą„€ ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ ą¤•ą„‹ ą¤•ą„‡ą¤µą¤² ą¤µą„ˆą¤§ ą¤‰ą¤¦ą„ą¤¦ą„‡ą¤¶ą„ą¤Æą„‹ą¤‚ ą¤•ą„‡ ą¤²ą¤æą¤ और अधिनियम ą¤•ą„‡ तहत परिभाषित ą¤†ą¤µą¤¶ą„ą¤Æą¤• सहमति या ą¤µą„ˆą¤§ ą¤‰ą¤Ŗą¤Æą„‹ą¤— ą¤•ą„‡ साऄ ą¤¹ą„€ संसाधित किया ą¤œą¤¾ą¤ ą„¤

ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤Ø ą¤•ą„‡ ą¤²ą¤æą¤ ą¤…ą¤Øą„ą¤®ą¤¤ą¤æ (Permission for Reproduction)

  • इस ą¤øą¤¾ą¤‡ą¤Ÿ पर ą¤Ŗą„ą¤°ą¤¦ą¤°ą„ą¤¶ą¤æą¤¤ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ का ą¤•ą¤æą¤øą„€ ą¤­ą„€ ą¤Ŗą„ą¤°ą¤¾ą¤°ą„‚ą¤Ŗ या ą¤®ą¤¾ą¤§ą„ą¤Æą¤® ą¤®ą„‡ą¤‚ बिना ą¤•ą¤æą¤øą„€ ą¤µą¤æą¤¶ą¤æą¤·ą„ą¤Ÿ ą¤…ą¤Øą„ą¤®ą¤¤ą¤æ ą¤•ą„‡ ą¤Øą¤æą¤ƒą¤¶ą„ą¤²ą„ą¤• ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤Ø किया जा सकता ą¤¹ą„ˆ ą„¤
  • यह इस ą¤¶ą¤°ą„ą¤¤ ą¤•ą„‡ ą¤…ą¤§ą„€ą¤Ø ą¤¹ą„ˆ कि ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤•ą„‹ ą¤øą¤Ÿą„€ą¤• ą¤°ą„‚ą¤Ŗ ą¤øą„‡ ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤æą¤¤ किया ą¤œą¤¾ą¤ और इसका ą¤‰ą¤Ŗą¤Æą„‹ą¤— ą¤…ą¤Ŗą¤®ą¤¾ą¤Øą¤œą¤Øą¤• ą¤¤ą¤°ą„€ą¤•ą„‡ ą¤øą„‡ या ą¤­ą„ą¤°ą¤¾ą¤®ą¤• ą¤øą¤‚ą¤¦ą¤°ą„ą¤­ ą¤®ą„‡ą¤‚ न किया ą¤œą¤¾ą¤ ą„¤Ā 
  • जहाँ ą¤­ą„€ यह ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤Ŗą„ą¤°ą¤•ą¤¾ą¤¶ą¤æą¤¤ ą¤•ą„€ जा ą¤°ą¤¹ą„€ ą¤¹ą„‹ या ą¤¦ą„‚ą¤øą¤°ą„‹ą¤‚ ą¤•ą„‹ ą¤œą¤¾ą¤°ą„€ ą¤•ą„€ जा ą¤°ą¤¹ą„€ ą¤¹ą„‹, वहां ą¤øą„ą¤°ą„‹ą¤¤ ą¤•ą„‹ ą¤Ŗą„ą¤°ą¤®ą„ą¤–ą¤¤ą¤¾ ą¤øą„‡ ą¤øą„ą¤µą„€ą¤•ą¤¾ą¤° किया जाना ą¤šą¤¾ą¤¹ą¤æą¤ ą„¤

अपवाद (Exceptions)

  • इस ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤•ą„‹ ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤æą¤¤ ą¤•ą¤°ą¤Øą„‡ ą¤•ą„€ ą¤…ą¤Øą„ą¤®ą¤¤ą¤æ इस ą¤øą¤¾ą¤‡ą¤Ÿ पर ą¤®ą„Œą¤œą„‚ą¤¦ ą¤•ą¤æą¤øą„€ ą¤­ą„€ ą¤ą¤øą„€ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ पर ą¤²ą¤¾ą¤—ą„‚ ą¤Øą¤¹ą„€ą¤‚ ą¤¹ą„‹ą¤¤ą„€ ą¤¹ą„ˆ, ą¤œą¤æą¤øą„‡ ą¤•ą¤æą¤øą„€ ą¤¤ą„€ą¤øą¤°ą„‡ ą¤Ŗą¤•ą„ą¤· (third party) ą¤•ą„‡ ą¤•ą„‰ą¤Ŗą„€ą¤°ą¤¾ą¤‡ą¤Ÿ ą¤•ą„‡ ą¤°ą„‚ą¤Ŗ ą¤®ą„‡ą¤‚ पहचाना गया ą¤¹ą„ˆ ą„¤Ā 
  • ą¤ą¤øą„€ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤•ą„‹ ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤æą¤¤ ą¤•ą¤°ą¤Øą„‡ का अधिकार संबंधित ą¤•ą„‰ą¤Ŗą„€ą¤°ą¤¾ą¤‡ą¤Ÿ ą¤§ą¤¾ą¤°ą¤•ą„‹ą¤‚ ą¤øą„‡ ą¤Ŗą„ą¤°ą¤¾ą¤Ŗą„ą¤¤ किया जाना ą¤šą¤¾ą¤¹ą¤æą¤ ą„¤Ā 
  • जहाँ ą¤¤ą„€ą¤øą¤°ą„‡ ą¤Ŗą¤•ą„ą¤· ą¤•ą„€ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤®ą„‡ą¤‚ ą¤•ą¤æą¤øą„€ ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æ का ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ शामिल ą¤¹ą„ˆ, वहां ą¤‰ą¤Ŗą¤Æą„‹ą¤—ą¤•ą¤°ą„ą¤¤ą¤¾ą¤“ą¤‚ ą¤•ą„‹ यह ą¤øą„ą¤Øą¤æą¤¶ą„ą¤šą¤æą¤¤ करना ą¤¹ą„‹ą¤—ą¤¾ कि ą¤‰ą¤Øą¤•ą„‡ पास संबंधित ą¤§ą¤¾ą¤°ą¤•ą„‹ą¤‚ ą¤øą„‡ ą¤•ą„‰ą¤Ŗą„€ą¤°ą¤¾ą¤‡ą¤Ÿ ą¤Ŗą„ą¤°ą¤¾ą¤§ą¤æą¤•ą¤°ą¤£ ą¤Ŗą„ą¤°ą¤¾ą¤Ŗą„ą¤¤ ą¤•ą¤°ą¤Øą„‡ ą¤•ą„‡ अलावा, ą¤ą¤øą„€ ą¤œą¤¾ą¤Øą¤•ą¤¾ą¤°ą„€ ą¤•ą„‡ ą¤•ą¤æą¤øą„€ ą¤­ą„€ ą¤†ą¤—ą„‡ ą¤•ą„‡ ą¤Ŗą„ą¤°ą¤øą¤‚ą¤øą„ą¤•ą¤°ą¤£ या ą¤Ŗą„ą¤Øą¤°ą„ą¤¤ą„ą¤Ŗą¤¾ą¤¦ą¤Ø ą¤•ą„‡ ą¤²ą¤æą¤ DPDP अधिनियम ą¤•ą„‡ तहत ą¤ą¤• ą¤µą„ˆą¤§ ą¤•ą¤¾ą¤Øą„‚ą¤Øą„€ आधार ą¤¹ą„‹ ą„¤

ą¤µą„ą¤Æą¤¾ą¤µą¤øą¤¾ą¤Æą¤æą¤• ą¤‰ą¤Ŗą¤Æą„‹ą¤— (Commercial Use)

  • ą¤µą„‡ą¤¬ą¤øą¤¾ą¤‡ą¤Ÿ ą¤•ą„€ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ का ą¤µą„ą¤Æą¤¾ą¤µą¤øą¤¾ą¤Æą¤æą¤• ą¤‰ą¤Ŗą¤Æą„‹ą¤— तब तक ą¤øą¤–ą„ą¤¤ ą¤µą¤°ą„ą¤œą¤æą¤¤ ą¤¹ą„ˆ, जब तक कि भारत ą¤•ą„‹-ą¤‘ą¤Ŗą¤°ą„‡ą¤Ÿą¤æą¤µ ą¤¬ą„ˆą¤‚ą¤• (ą¤®ą„ą¤‚ą¤¬ą¤ˆ) ą¤²ą¤æą¤®ą¤æą¤Ÿą„‡ą¤” ą¤•ą„‡ ą¤Ŗą„ą¤°ą¤¬ą¤‚ą¤§ą¤Ø ą¤øą„‡ ą¤Ŗą„‚ą¤°ą„ą¤µ लिखित ą¤…ą¤Øą„ą¤®ą¤¤ą¤æ ą¤Ŗą„ą¤°ą¤¾ą¤Ŗą„ą¤¤ न कर ą¤²ą„€ ą¤—ą¤ˆ ą¤¹ą„‹ ą„¤
  • ą¤‡ą¤øą¤•ą„‡ अलावा, इस ą¤µą„‡ą¤¬ą¤øą¤¾ą¤‡ą¤Ÿ ą¤øą„‡ ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€, ą¤”ą„‡ą¤Ÿą¤¾ संकलन, या ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤œą¤¾ą¤Øą¤•ą¤¾ą¤°ą„€ ą¤Øą¤æą¤•ą¤¾ą¤²ą¤Øą„‡ ą¤•ą„‡ ą¤²ą¤æą¤ ą¤¬ą„‰ą¤Ÿą„ą¤ø, ą¤øą„ą¤Ŗą¤¾ą¤‡ą¤”ą¤°, या ą¤ą¤†ą¤ˆ-ą¤Ÿą„ą¤°ą„‡ą¤Øą¤æą¤‚ą¤— ą¤øą„ą¤•ą„ą¤°ą„‡ą¤Ŗą¤°ą„ą¤ø सहित ą¤øą„ą¤µą¤šą¤¾ą¤²ą¤æą¤¤ ą¤Ŗą„ą¤°ą¤£ą¤¾ą¤²ą¤æą¤Æą„‹ą¤‚ का ą¤‰ą¤Ŗą¤Æą„‹ą¤— ą¤øą¤–ą„ą¤¤ ą¤µą¤°ą„ą¤œą¤æą¤¤ ą¤¹ą„ˆ ą„¤Ā 
  • ą¤”ą„‡ą¤Ÿą¤¾ का ą¤•ą„‹ą¤ˆ ą¤­ą„€ ą¤…ą¤Øą¤§ą¤æą¤•ą„ƒą¤¤ ą¤Øą¤æą¤·ą„ą¤•ą¤°ą„ą¤·ą¤£ (unauthorized extraction) ą¤œą¤æą¤øą¤øą„‡ ą¤øą„ą¤Ŗą¤·ą„ą¤Ÿ सहमति ą¤•ą„‡ बिना ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ का ą¤Ŗą„ą¤°ą¤øą¤‚ą¤øą„ą¤•ą¤°ą¤£ ą¤¹ą„‹ą¤¤ą¤¾ ą¤¹ą„ˆ, इस ą¤•ą„‰ą¤Ŗą„€ą¤°ą¤¾ą¤‡ą¤Ÿ ą¤Øą„€ą¤¤ą¤æ और DPDP अधिनियम ą¤¦ą„‹ą¤Øą„‹ą¤‚ का ą¤‰ą¤²ą„ą¤²ą¤‚ą¤˜ą¤Ø माना ą¤œą¤¾ą¤ą¤—ą¤¾ ą„¤

ą¤øą¤‚ą¤Ŗą¤°ą„ą¤• और शिकायत निवारण

ą¤øą¤¾ą¤®ą¤—ą„ą¤°ą„€ ą¤•ą„‡ ą¤¦ą„ą¤°ą„ą¤Ŗą¤Æą„‹ą¤— ą¤øą„‡ संबंधित ą¤•ą¤æą¤øą„€ ą¤­ą„€ ą¤šą¤æą¤‚ą¤¤ą¤¾ या DPDP अधिनियम ą¤•ą„‡ तहत ą¤µą„ą¤Æą¤•ą„ą¤¤ą¤æą¤—ą¤¤ ą¤”ą„‡ą¤Ÿą¤¾ ą¤•ą„€ ą¤øą„ą¤°ą¤•ą„ą¤·ą¤¾ ą¤øą„‡Ā  संबंधित ą¤Ŗą„ą¤°ą¤¶ą„ą¤Øą„‹ą¤‚ ą¤•ą„‡ ą¤²ą¤æą¤, ą¤•ą„ƒą¤Ŗą¤Æą¤¾ ą¤¹ą¤®ą¤¾ą¤°ą„‡ शिकायत निवारण ą¤øą„‡ą¤² (Grievance Redressal Cell) ą¤øą„‡ ą¤øą¤‚ą¤Ŗą¤°ą„ą¤• ą¤•ą¤°ą„‡ą¤‚ ą„¤ ą¤‡ą¤øą¤•ą„‡Ā  ą¤²ą¤æą¤ ą¤øą¤‚ą¤Ŗą¤°ą„ą¤• विवरण ą¤¹ą¤®ą¤¾ą¤°ą„‡ 'ą¤øą¤‚ą¤Ŗą¤°ą„ą¤• ą¤•ą¤°ą„‡ą¤‚' (Contact Us) ą¤Ŗą„ƒą¤·ą„ą¤  पर ą¤‰ą¤Ŗą¤²ą¤¬ą„ą¤§ ą¤¹ą„ˆą¤‚ ą„¤

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