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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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The contents, materials, and digital assets comprised within the Bharat Co-operative Bank (Bharat Bank) website are protected pursuant to copyright, trademark, and all other applicable statutory intellectual property and proprietary right laws, and are exclusively owned by, controlled by, or licensed to Bharat Bank.

Permitted Use and Restrictive Covenants

You are hereby granted a limited, non-exclusive license to download the contents or materials from the Bharat Bank website strictly for your personal, non-commercial use. Any other utilization of the said contents or materials is strictly prohibited absent the express prior written consent of Bharat Bank or its duly authorized officers. You shall not to alter, amend, or modify any downloaded contents or materials, and explicitly acknowledge that downloading such items vests no title or proprietary rights in you.

Furthermore, you shall not reproduce, modify, publish, distribute, transmit, transfer, commercially exploit, or otherwise derive profit from the works, in whole or in part, originating from the Bharat Bank website. Your utilization of the Bharat Bank website and the contents therein shall be restricted solely to legitimate approved business purposes.

Disclaimer of Warranties and Limitation of Liability

While Bharat Bank endeavors to ensure that the contents and materials featured on the Bharat Bank website are accurate, reliable, and complete, neither Bharat Bank nor its directors, officers, employees, or agents make any representations, warranties, or guarantees—express or implied—as to the veracity, reliability, or completeness thereof. This disclaimer extends to any third-party websites linked to or from the Bharat Bank website. Any reliance placed upon the contents of this website is exercised entirely at your own risk, and shall not give rise to any cause of action or claim whatsoever against Bharat Bank, its directors, officers, employees, or agents.

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To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Bharat Bank, its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses arising out of your usage of the Bharat Bank website or your breach of any provisions herein. Bharat Bank reserves the right, at its absolute and sole discretion, to forthwith modify, add, remove, or amend any or all contents or materials on the Bharat Bank website at any time without prior notice.

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