Privacy Policy

In the course of using this website, mobile applications or social media pages or availing the products and services vide the online application forms and questionnaires, Shivalik Mercantile Cooperative Bank Ltd (SMCB) and its affiliates may become privy to the personal information of its customers, including information that is of a confidential nature.

SMCB 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 customer 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 policy or in terms of the agreements, if any, with the customers.

This privacy policy also outlines our privacy practices for consumers who apply for and/or obtain services from us including loans, deposits, investments, insurance, or safe deposit box. The customer would be required to cooperate with SMCB Ltd in order to ensure 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 customer should use combination of alphabets, numbers and special characters (such as !, @, #, $, etc.). The customers 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.

Information We May Collect From You

If you are our customer or have begun to apply for a product or service, the types of personal information we collect depends on the product or service. We collect your personal information when you open an account or apply for a loan, use Mobile Banking or enroll in a service or use one of our other financial products or services.

This information can include, for example, your name, PAN no or ADHAAR no., home address and other personal information, financial history and transactions, account balances and payment history; consumer report information (CIBIL report), assets and investment experience. We also may receive information about you from information services and consumer reporting agencies.

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.

Our Social Media Pages

When you engage with SMCB Ltd on our social media pages, you can make certain information from your social media profile, postings and other interactions available to us as well as other participants on these platforms. You may be able to control what data you share, and with whom, through privacy settings on these social media sites. Any information you share or interactions you may have while participating on those platforms is subject to the privacy policies and terms of use of those social media platforms. SMCB Ltd may but is not obligated to monitor and archive conversations with SMCB Ltd social media accounts and on SMCB Ltd social media pages. SMCB Ltd monitors and may archive the conversations you have with our representatives. Please note that when you visit Shivalik Mercantile Cooperative Bank’s pages on social media sites where your information is shared with us, the use of that information is subject to these Privacy Practices, as well as to our Terms of Use.

Cookie Policy

When you visit our website(s) or use our mobile applications, we and our service providers may place cookies or other similar technologies on your computer or device. A cookie is a piece of data stored on your hard drive. It takes up very little room on your system and helps us to tailor our websites and applications. You can set your web browser to inform you when cookies are placed on your computer or mobile device, or you can prevent them from being placed. However, if you choose to prevent cookies from being placed, some of our website or application banking functions may not work properly, unless you register with us for a service (such as our Net Banking service), the cookies do not link to any personally identifying information about you.

By using our website and mobile banking application, the user shall agree that these types of cookies can be placed on his/her device. SMCB Ltd is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

Shivalik Mercantile Cooperative Bank Ltd undertakes not to disclose the information provided by the customers to any person, unless such action is necessary to:

• Conform to legal requirements or comply with legal process;
• Protect and defend Shivalik Mercantile Cooperative Bank’s or its affiliates rights, interests or property;
• Enforce the terms and conditions of the products or services; or
• Act to protect the interests of Shivalik Mercantile Cooperative Bank Ltd, its affiliates, constituents of other persons.

The customers shall not disclose to any other person, in any manner whatsoever, any information relating to Shivalik Mercantile Cooperative 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 SMCB Ltd or its affiliates to terminate the services without prejudice to any damages, to which the customer may be entitled otherwise.

Protecting Children

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.

Changes To Our Online Privacy Policy

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

How to Reach Us

If you have any questions about our practices, please contact Shivalik Mercantile Cooperative Bank Ltd at info@shivalikbank.com