Terms And Conditions
Frequently Asked Questions
LCR as on 31st Dec 2022
LCR as on 30th Sep 2022
LCR as on 30th June 2022
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LCR as on 31st Dec 2021
LCR as on 30th Sep 2021
LCR as on 30th June 2021
NFSR as on 31st Dec 2022
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NFSR as on 30th June 2022
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Basel Pillar 3 Disclosure as on 31st Dec 2022
Basel Pillar 3 Disclosure as on 30th Sep 2022
Basel Pillar 3 Disclosure as on 30th June 2022
Basel Pillar 3 Disclosure as on 31st Mar 2022
Basel Pillar 3 Disclosure as on 31st Dec 2021
Basel Pillar 3 Disclosure as on 30th Sep 2021
“Personal Information” means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Bank, is capable of identifying such person. “Sensitive personal date or information” means such personal information which consists of information relating to:
This policy is applicable to personal and sensitive information collected by the Bank or its affiliates directly from the customer or through the Bank’s online portals, mobile apps, and electronic communications, alsoany information collected by the Bank’s server from the customer browser.
Use of Customer Information
Bank will only use Customer’s Information as permitted under applicable law or pursuant to contractual obligations. Most commonly, Customer Information is used to perform the Services or to comply with a legal/contractual obligation. Customer Information is used without limitation, for the following purposes:
Bank collect customers personal information when customers open an account or apply for a loan, useMobile Banking, or enroll in a service or use one of bank’s other financial products or services. Personal information includes, customer’s name, PAN no or ADHAAR no., Home Address and other personalinformation, financial history and transactions, account balances and payment history; consumer report information (CIBIL report), assets and investment experience. Bank also may receive information about customers from information services and consumer reporting agencies.
Prior to the collection of information including sensitive personal data or information, the bank will provide an option to the provider of the information to provide or not to provide the data or information sought to be collected. The provider of information will, at any time while availing the services or otherwise, also have an option to withdraw its consent given earlier to the bank.
The Bank will not publish the sensitive personal data or information.
The information collected will be used for the purpose for which it has been collected.
The Bank will not retain the information for permeant than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force.
Our social media Pages
When customer engage with bank on bank’s social media pages, they can make certain information available to bank as well as other participants, from their social media profile, postings, and other interactions. Customers may be able to control what data they share, and with whom, through privacy settings on these social media sites.
Disclosure of Customer information
The personal information shall not be disclosed by the Bank to any other organization except:
The Bank may monitor, record, store and use any telephone, email, or other electronic communications with customer for training purposes, so that bank can check any instructions given to us and to improve the quality of our customer service. Bank will monitor network traffic (used to access bank hosted applications) from time to time for problem solving.
Other Online Information the bank Collect and Use
Bank may collect and use other information, such as:
Cookies: Cookies are pieces of data stored directly on the device/browser customer are using when theyvisit our website. Bank may read cookies to collect information such as browser type, date and time spent on our website, and pages visited. Information collected through cookies may be used for security purposes, to facilitate navigation, to display information more effectively, to personalize and enrich customer experience, to recognize device, gather statistical information about the usage of the website, to monitor responses to our advertisements and to assist us with resolving website questions.
The cookies in customer computer cannot read hard drive, obtain any information from browser, or command computer to perform any action. They are designed so that they cannot be sent to another site or be retrieved by any non-Bank of India web server.
Cookies can be "persistent" or "session" cookies. Persistent cookies remain on customer personal computeror mobile device when they go offline, while session cookies are deleted as soon as the web browser is closed.
IP Address: Customer IP Address is a number that is automatically and dynamically assigned to the device that the customer is using by their Internet Service Provider (ISP) or it is statically obtained by customer. AnIP Address is identified and logged automatically in our server log files whenever a user visits the website, along with the time of the visit and the page(s) that were visited. Bank uses IP Addresses for keeping activitylogs and having forensic capabilities if required for investigation purposes.
Details of device used for online banking: For secure online banking the bank provide the facility of multifactor authentication. One of the factors can be the endpoint devices used by the customer to do the banking. For security reasons, Bank obtain the endpoint details to bind it to customer account so that this endpoint device acts as a second factor.
Private Security Keys: For security reasons Bank may use PKI based authentication / digital certificate technologies. Bank may place a private key on their PC or mobile device to help us identify customer or their devices.
Biometrics: Bank may use some customer biometric information with the use of customer fingerprint, facial, or eye biometric information or behavioral biometric like how customer use keyboard, mouse, or movetheir finger on the screen etc.
Bank never ask for the information like passwords, PIN (Personal identification No.), OTP (One-time passwords), card numbers, CVV / CVC and expiry date from anyone. The bank advises all not to share this with anyone including Bank officials nor keep it in any readable form.
Customer’s Rights and Obligations
If the customer wishes to review Information provided on online applications, he can contact us to request a copy of the personal account information the customer provided through our customer service numbers. The Bank may charge a fee for certain Information that is requested. It may also be possible for Customers to review and change contact information such as address, phone, and e-mail information by signing on and updating their personal profile. To protect customer privacy, proof of identity or other authentication is required any time the customer can contact us.
Bank shall permit the providers of information, as and when requested by them, to review the information they had provided and ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient will be corrected or amended as feasible. Further, if providers of information wish to access or correct or delete any of the personal data held by the Bank, or if the he/she has any questions concerning the Privacy Statement, he may contact the Bank via regular mail to firstname.lastname@example.org
In providing the telephone, facsimile number, postal and e-mail address or similar details, the customer agrees that the Bank may contact him by these methods to keep him informed about the Bank’s products and services or for any other reason. If the customer prefers not to be kept informed of the Bank ‘s products and services, he should intimate the Bank at the mail email@example.com
The customers shall not disclose, in any manner whatsoever, any information relating to Shivalik Small Finance Bank, or its affiliates of a confidential nature obtained while 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 Shivalik Bank or its affiliates to terminate the services without prejudice to any damages, to which the customer may be entitled otherwise.
Shivalik Bank shares personal information with third-parties only as permitted and required by law, as per Bank’s approved guidelines and customer consent in connection with the administration, processing, and servicing of account and account-related transactions, in order to perform services for customer and on their behalf, for example, credit reporting agencies, bill payment processors, credit, debit and ATM card processing networks, data processing companies, insurers, marketing and other companies in order to offer and/or provide financial products and services to customer, and in response to legal or regulatory requirement, court order and/or other legal process or investigation. For all third-party outsourcing of services, the information is shared and used as per the service level agreement and non-disclosure agreement.
The disclosure of sensitive personal data or information by body corporate to any third party will require prior permission from the provider of such information, who has provided such information under lawful contract or otherwise, unless such disclosure has been agreed to in the contract between the body corporateand provider of information, or where the disclosure is necessary for compliance of a legal obligation.
Any third party receiving sensitive personal data or information from the bank will not disclose it further.
The Bank may transfer sensitive personal data or information including any information, to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by the body corporate as provided for under the SPDI Rules.
Security of Customer Information
The security of Customer information is a priority and shall be ensured by maintaining physical, electronic, and procedural safeguards that meet applicable laws to protect customer information against loss, misuse, damage and unauthorized access, modifications, or disclosures. Shivalik Bank uses appropriately secure encryption for the transmission of Customer Information. Employees shall be trained in the proper handlingof Customer information. When other companies are used to provide services on behalf of the Bank, it shall ensure that such companies protect the confidentiality of Customer information they receive in the same manner the Bank protects. The Bank shall continuously review and enhance its security policies and security measures to consistently maintain a high level of security.
The Customer is required to cooperate with the Bank to ensure the security of the Customer Information, and it is recommended that the Customer necessarily chooses their passwords carefully such that no unauthorised access is made by a third party. To make the password complex and difficult for others to guess, the Customer should use a combination of alphabets, numbers, and special characters (like! @, #, $,etc.). The Customer should not disclose their password to anyone or keep any written or other record of the password such that a third party could access it.
Customer might have provided the same non-public information to other entities without the knowledge or permission of Shivalik Bank. Shivalik Bank will not be held liable for disclosure or sharing of such information from these sources.
Name: Mr. Mohit Gautam
Designation: Data Protection Officer
Shivalik Bank value your relationship and will always strive to ensure your privacy.
Copyright © 2023 Shivalik Small Finance Bank. All Rights Reserved. Site updated on 04/06/23 .
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