Security and Confidentiality of Customer Data

As per Information Systems security policies and procedures implemented in the Bank, we have implemented administrative, physical, and technical safeguards to protect electronic personal data from loss, misuse, and unauthorized access. Customers' personal data shall be stored on a secured database.

Bank shall not sell personal data to any third party or anybody and shall remain fully compliant with confidentiality of the data as per law.

Bank shall share customers' personal data to third party if required for business purpose only after implementing adequate controls to ensure maintenance of confidentiality and security of the data by the concerned third party.

Auto Read OTP Functionality

It is recommended that each process of OTP validation shall have auto read facility of OTP in the Mobile application. Whenever the OTP is sent to the customer, mobile app shall auto populate the OTP in the required field instead of entering by keypad.

SMS Forwarding App / Remote Access App

It is recommended that the Mobile Application can have an ability to identify the SMS forwarding Apps as well as Remote Access Apps installed on the user’s handset.

Based on the AppID of such apps, Mobile App shall restrict users from accessing login to the application if such listed apps are installed.

SMS Delivery Status Facility

SMS vendor should have callback facility available to verify the status of SMS sent from our end. Also, SMS vendor should have SMS delivery receipt check facility to know the delivery status of forwarded SMS.

Mobile banking Application shall have ability to read/detect installed applications on user’s device and upload it on bank’s secure server for keeping safe track of existing applications.

App shall prohibit/restrict Mobile Banking Application usage in case any listed application like remote access applications or SMS forwarder applications is detected.

By agreeing to terms within Mobile banking application and written consent form undertaken from user during opting mobile banking feature, it will be considered user has provided affirmative consent for all above mentioned disclosures.

Privacy Policy for SMS Autofill

This Privacy Policy describes how Mobile banking app collects, uses, and protects the information you provide when using the SMS autofill feature in our services.

Information We Collect

• SMS Content: Access and analyze SMS messages to provide autofill suggestions such as OTPs or transaction details.
• Metadata: Sender information, timestamps, and message status.
• Usage Data: Data related to your use of the SMS autofill feature.

How We Use Your Information

• Improving Autofill Accuracy: To improve relevance and accuracy of autofill suggestions.
• Security and Fraud Prevention: To enhance security and prevent fraudulent activities.

Sharing of Information

Bank does not share your SMS autofill data with third parties except as described in this Privacy Policy or with your explicit consent.

Data Retention

We retain SMS autofill data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.