Privacy Policy

In this policy, “we”, “us”, and “our” means Yashodhan Patsanstha, and “you”, “your” or “yours” means the persons to whom this policy applies.

As a part of Yashodhan Patsanstha’s ongoing efforts to ensure compliance with the modern banking approach, customer trust/ satisfaction, security-oriented service, and banking services, the Patsanstha has adopted the privacy policy aimed at protecting individual personal information entrusted and disclosed to Yashodhan Patsanstha, Solapur (the “Policy”). This Policy governs how Patsanstha collects, uses, discloses, stores, secures, and disposes of personal information.

The Policy complies with the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011 (the “IT Rules”) contained in the Information Technology Act 2000.

Applicability

This Policy applies to personal information and sensitive personal data or information collected by the Yashodhan Patsanstha or its affiliates directly from the customer or through the Patsanstha’s online portals, mobile apps, and electronic communications as well as any information collected by the Patsanstha’s server from the customer’s browser.

Personal information collected from any source may include 

Contact Information: may include name, address, date of birth, phone number, mobile phone number, email address, last six digits of your payment card number, and other online or physical contact information.

Device Identifier: IP address or other unique identifier for any computer, mobile phone, tablet, or other device you may use to access the App. It may include hardware unique ID like IMEI number also.

Financial Information: Financial information may include your accounts, balances, and transactions.

Tracking your activity includes: Which pages you visited on this App and how long you stayed on each page. Activities you engaged in at this App, such as your searches and transactions. Messages are sent to you and from your device to our server.

Usage Information: Information about your use of the App, including the type of device you are using to access the App, the browser and operating system you are using, the search terms that referred or otherwise led you to the App, the areas of the App that you access or use, and the time of day you used the App. Usage Information may also include a Device Identifier. We and our Service Providers, including analytics providers, may automatically collect certain “Usage Information” whenever you access and use the App.

Your location Information about your geographic location, such as GPS, Wi-Fi-based, network-based, or user-entered.

Purpose of Collection and Use of Personal Information 

The Patsanstha collects and uses the financial information and other personal information from its customers. This information is collected and used for specific business purposes or for other related purposes designated by the Bank or for a lawful purpose to comply with the applicable laws and regulations.

The authenticity of the personal information provided by the customer shall not be the responsibility of the Yashodhan Patsanstha.

Disclosure of Personal Information 

The Yashodhan Patsanstha shall not divulge any personal information collected from the customer, for cross-selling or any other purposes. The personal information collected by Yashodhan Patsanstha shall not be disclosed to any other organization except:

where the disclosure has been agreed in a written contract or otherwise between the Patsanstha and the customer;

where Yashodhan Patsanstha is required to disclose personal information to a third party on a need-to-know basis, provided that in such case Patsanstha shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of Yashodhan Patsanstha.

where the request for disclosure is requested by the local authority under applicable law or regulations.

Reasonable Security Practices and Procedures

Yashodhan Patsanstha is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information The security of personal information is a priority and is protected by maintaining physical, electronic, and procedural safeguards that meet applicable laws. The Bank maintains its security systems to ensure that the personal information of the customer is appropriately protected and follows the extant standard encryption norms for the transmission of information. The Patsanstha ensures that its employees and affiliates respect the confidentiality of any personal information held by the Yashodhan Patsanstha.

Cookie Policy

A browser cookie is a small piece of data that is stored on your device to help websites and mobile apps remember things about you. Other technologies, including Web storage and identifiers associated with your device, may be used for similar purposes by using our website and apps you agree that these types of cookies can be placed on your device. You may change the setting of your browser to refuse some or all browser cookies. You may opt to remove cookies from your browser or disable the cookies. Yashodhan Patsanstha is not responsible for cookies placed on the device of user/s by any other website and information collected thereto.

Notice of change

The Yashodhan Patsanstha may, from time to time, change this Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Effective Date

28/05/2024

Response to Enquiries and Complaints

To contact us on any aspect of this policy or for any discrepancies/grievances concerning your personal information including modification, you may write to [email protected]