Privacy Policy for Mobile Banking

1. Definitions:

In this document the following words and phrases have the meaning set below unless the context indicates otherwise:
"Accounts" refers to the account of the Client(s) with Pune Urban Co Op Bank Ltd for which the Client is availing of the mobile banking service of Pune Urban Co Op Bank Ltd; Authorized User shall mean the Client and / or persons authorized by the Client to have access to the Account through mobile banking service.
"Facility" shall mean the mobile banking facility of Pune Urban Co Op Bank Ltd availed of by the Client, providing information relating to Account(s), details about transactions and such other information and or services as may be offered by Pune Urban Co Op Bank Ltd, and available to a Client through a mobile phone device, from time to time.
"Mobile Phone Number" shall mean the number specified by the Client or on behalf of the Client against the name of an Authorised User for availing the Facility.
"Personal Information" shall mean information in relation to or pertaining to the Account.

2. Terms and Conditions for Mobile Banking Service

These terms and conditions together with the application made by the Client and as accepted by Pune Urban Co Op Bank Ltd shall form the contract between the Client and Pune Urban Co Op Bank Ltd, and shall be further subject to such terms as Pune Urban Co Op Bank Ltd may agree with the other service providers, aiding Pune Urban Co Op Bank Ltd in providing the Facility.
These terms and conditions shall be in addition to and not in derogation of the terms and conditions governing and related to Pune Urban Co Op Bank Ltd Mobile Banking, Mobile Banking Service and the Account and / or any other product / services provided by Pune Urban Co Op Bank Ltd and its Affiliates. By applying for and allowing Authorized Users access to the Facility, for the first time (and every time thereafter), the Client acknowledges and accepts (and reaffirms his acknowledgment and acceptance of) these terms and conditions, to the fullest extent possible.

3. Applicability of Terms and Conditions

These terms and conditions together with the application made by the Client and as accepted by Pune Urban Co Op Bank Ltd shall form the contract between the Client and Pune Urban Co Op Bank Ltd, and shall be further subject to such terms as Pune Urban Co Op Bank Ltd may agree with the other service providers, aiding Pune Urban Co Op Bank Ltd in providing the Facility. These terms and conditions shall be in addition to and not in derogation of the terms and conditions governing and related to Pune Urban Co Op Bank Ltd Mobile Banking, Mobile Banking Service and the Account and / or any other product / services provided by Pune Urban Co Op Bank Ltd and its Affiliates. By applying for and allowing Authorized Users access to the Facility, for the first time (and every time thereafter), the Client acknowledges and accepts (and reaffirms his acknowledgment and acceptance of) these terms and conditions, to the fullest extent possible.

4. Application

Clients may avail of the Facility (and/or for any changes to the options available under the Facility) in the following ways :

• if the person authorized to operate the Account or the Persons authorized to sign various documents on behalf of the Client for availing the Mobile Banking Service applies to Pune Urban Co Op Bank Ltd requesting Pune Urban Co Op Bank Ltd to provide the facility to the Authorized Users. Such application may be made by filling in such forms, request letters etc. as Pune Urban Co Op Bank Ltd may prescribe from time to time; or
• Each Authorized User may by themselves, through the use of Mobile Banking Service, fill in such forms as may be required and prescribed by Pune Urban Co Op Bank Ltd, requesting Pune Urban Co Op Bank Ltd to provide such Authorized User with access to the Facility. An Authorized User can avail of the Facility on behalf of the Client only for itself and not on behalf of any other Authorized User and would necessarily need to authenticate the application through use of the passwords provided to the Authorized User for accessing the Account through Mobile Banking Service. The Facility shall be activated after a minimum of 1 working day from the date of receipt of the application.

5. Eligibility

All Clients availing of the Mobile Banking Service of Pune Urban Co Op Bank Ltd may avail of the Facility. Only Authorized Users of all Clients would be eligible to avail of the Facility. All or any transactions arising from the use of the Facility shall be binding on the Client.

6. Availability of the Facility

• Pune Urban Co Op Bank Ltd shall endeavor to provide to the Client through the Facility, such services as Pune Urban Co Op Bank Ltd may decide from time to time. Pune Urban Co Op Bank Ltd reserves the right to decide what services may be offered to a Client on the Account and such offers may differ from time to time. Pune Urban Co Op Bank Ltd may also make additions / deletions to the services offered through the Facility at its sole discretion.
• The Facility is made available to Authorized Users on behalf of the Client, at the request of the Client, at the sole discretion of Pune Urban Co Op Bank Ltd and may be discontinued by Pune Urban Co Op Bank Ltd at any time, without any notice or communication of any kind. Pune Urban Co Op Bank Ltd reserves the right to offer the Facility to only those Authorized Users of any Client who are availing the services of specific cellular service providers. The Facility is currently available to Accounts held with Pune Urban Co Op Bank Ltd's branches and the jurisdiction in which the Account is held.
• The Client agrees that access to the Facility shall only be through the Mobile Phone Numbers and any transaction which originates from the same, whether initiated by the Authorized User or not, shall be deemed to have been originated from such Authorized User and shall be binding upon the Client.
• The instructions received by Pune Urban Co Op Bank Ltd from any of the Mobile Phone Numbers (or purporting to have originated from any Mobile Phone Number) shall be effected only after such authentication as may be required by Pune Urban Co Op Bank Ltd, generally or specifically for any particular type of instruction, from time to time, including though verification of password allotted by Pune Urban Co Op Bank Ltd to the Authorized User against whose name the Mobile Phone Number is registered.

7. Authority to Pune Urban Co Op Bank Ltd

• The Client irrevocably and unconditionally authorizes Pune Urban Co Op Bank Ltd to access the Accounts and the Personal Information for effecting the instructions and providing the Facility to the Client, as well as for analysis, credit scoring and marketing.
• The Client and the Authorized User agree that Pune Urban Co Op Bank Ltd may disclose, to other institutions, such information in relation to the Client as may be necessary for any reason inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, and for fraud prevention.

8. Records

All records of Pune Urban Co Op Bank Ltd relating to the Account and / or arising out of the use of the Facility, including the recorded time of the transaction and the Authorized User originating the transaction, shall be conclusive proof of the genuineness and accuracy of the transactions in the Account. The authority to record the transaction details is hereby expressly granted by the Client to Pune Urban Co Op Bank Ltd.

9. Instructions

• The Facility shall be availed through the Mobile Phone Number in the manner indicated by Pune Urban Co Op Bank Ltd. The Client availing the Facility is solely responsible and liable for the accuracy and authenticity of the instructions provided to Pune Urban Co Op Bank Ltd and the use of the Facility by the Authorized Users or any other person on behalf of the Client.
• Where Pune Urban Co Op Bank Ltd considers the instructions to be inconsistent or contradictory it may seek clarification from the Authorized User from who the instructions have originated before acting on such instructions. Pune Urban Co Op Bank Ltd may however, in its discretion, act upon any such instruction as it may deem fit and the Client agrees to be bound to such actions of Pune Urban Co Op Bank Ltd.
• Pune Urban Co Op Bank Ltd shall have the right to suspend the Facility, whether generally or specifically in relation to an Authorized User or a particular Client, if Pune Urban Co Op Bank Ltd

10. Accuracy of Information

• The Client undertakes (and further undertakes to require Authorized Users) to provide accurate information and disclosures wherever required and shall be responsible for the correctness of the information provided by him to Pune Urban Co Op Bank Ltd at all times including for the purposes of availing of the Facility. Pune Urban Co Op Bank Ltd shall not be liable for consequences arising out of erroneous information supplied by the Client or the Authorized Users. The Client shall indemnify and hold Pune Urban Co Op Bank Ltd harmless against any loss, damage or costs suffered / incurred by Pune Urban Co Op Bank Ltd as a result erroneous information supplied by the Client or the Authorized Users. If the Client / Authorized Users suspect that there is an error in the information supplied by Pune Urban Co Op Bank Ltd to them, they shall advise Pune Urban Co Op Bank Ltd as soon as possible. Pune Urban Co Op Bank Ltd, without any liability of any kind, will endeavor to correct the error wherever possible on a best effort basis.
• While Pune Urban Co Op Bank Ltd and its Affiliates will take all reasonable steps to ensure the accuracy of the information supplied to the Customer, Pune Urban Co Op Bank Ltd and its Affiliates shall not be liable for any inadvertent error, which results in the providing of inaccurate information. The Client and / or any Authorized User shall not hold Pune Urban Co Op Bank Ltd liable for any loss, damages etc. that may be incurred / suffered by the Client / Authorized User, if the information supplied to the Client turns out be inaccurate / incorrect.
• If the Authorized User / Client has reason to believe that the Mobile Phone Number is / has been allotted to another person and / or there has been an unauthorised transaction in the Account and / or the Mobile Phone Number is lost, the Client / Authorized User shall immediately inform Pune Urban Co Op Bank Ltd under acknowledgment about the same.

11. Disclaimer of Liability

• Pune Urban Co Op Bank Ltd shall not be responsible to the Client or the Authorized User for any failure of the Client and / or the Authorized User to utilize the Facility due to the Client and / or the Authorized User not being within the geographical range within which the Facility is offered;
• The Client agrees that Pune Urban Co Op Bank Ltd shall not be liable if the Client has breached any of the terms and conditions herein or o the Client has contributed to or caused the loss or the loss is a result of failure on part of the Client to advise Pune Urban Co Op Bank Ltd within a reasonable time about unauthorised access of or erroneous transactions in the Account or o any loss is caused as a result of failure on part of the Client to advise Pune Urban Co Op Bank Ltd of a change in or termination of the Mobile Phone Numbers / SIM Card.
• Pune Urban Co Op Bank Ltd is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by Pune Urban Co Op Bank Ltd in that behalf or otherwise) to the Client, which may affect the Facility.
• Pune Urban Co Op Bank Ltd, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the Facility. Pune Urban Co Op Bank Ltd makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Client or by any person resulting from or in connection with the Facility.

12. Indemnity

• In consideration of Pune Urban Co Op Bank Ltd providing the Facility, the Client agrees to indemnify and keep Pune Urban Co Op Bank Ltd safe and harmless from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever which Pune Urban Co Op Bank Ltd may at any time incur, sustain, suffer or be put to as a consequence of or arising out in good faith for acting on or omitting or refusing to act on any instructions given by use of the Facility.
• The Client holds Pune Urban Co Op Bank Ltd / its Affiliates, harmless against any loss incurred by the Client due to failure in the network of the cellular service provider. The Client agrees to indemnify and hold Pune Urban Co Op Bank Ltd harmless for any losses occurring as a result of the Client permitting persons other than the Authorized Users to use the Facility through any means; and o any Authorized User permitting any other person to have access, whether deliberately or inadvertently, to the Mobile Phone Number.

13. Fees

Pune Urban Co Op Bank Ltd shall have the discretion to charge such fees as it may deem fit from time to time and may at its sole discretion, revise the fees for use of any or all of the Facility. Such fees shall be notified on the Website and the Client would be expected to apprise itself of the same. Any transactions conducted on behalf of the Client, post such notification, shall imply the Clients acknowledgement and acceptance of the fees posted on the Website. The Client may at any time discontinue or unsubscribe from the Facility. The Client shall be liable for payment of airtime or other charges which may be levied by any cellular service provider in connection with the Facility and Pune Urban Co Op Bank Ltd shall in no way be concerned with the same. The fees payable by the Client is exclusive of the amount payable to any cellular service provider.

14. Termination

• The Client may request for termination, in part or in whole, of the Facility any time by giving a written notice of at least 15 days to Pune Urban Co Op Bank Ltd. The Client will remain responsible for any transactions originating from a Mobile Phone Number through the Facility prior to the conclusion of the aforementioned 15 days.
• Pune Urban Co Op Bank Ltd may, at its discretion, withdraw temporarily or terminate the Facility, either wholly or in part, at any time without giving prior notice to the Client. Pune Urban Co Op Bank Ltd may, without prior notice, suspend the Facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Facility or if the Customer has breached these terms and conditions or Pune Urban Co Op Bank Ltd learns of the existence of any circumstance which in its opinion would result in the Customer being unable to carry on its obligations herein to the fullest extent possible.
• The closure of the Accounts and / or termination of the Mobile Banking Services by the Client will automatically terminate the Facility.

15. Notices

Pune Urban Co Op Bank Ltd and the Client may give notice under these terms and conditions electronically to the mailbox of the Client (which will be regarded as being in the writing) or in writing by delivering them by hand or by sending them by post to the last address given by the Client. In addition, Pune Urban Co Op Bank Ltd may also publish notice of general nature regarding the Facility, which are applicable to all Clients on its Website. Such notice will be deemed to have been served individually to each Client.

16. Governing Law Any dispute or differences arising out of or in connection with the Facility shall be subject to the exclusive jurisdiction of the Courts of Pune and shall be governed by the laws of India. Pune Urban Co Op Bank Ltd accepts no liability whatsoever, direct or indirect for noncompliance with the Laws of any country other than that of India. The mere fact that the Facility can be accessed by a Client in a country other than India does not imply that the laws of the said country govern these terms and conditions and / or the operations in the Accounts and / or the use of the Facility.

Definitions:

In these Terms and Conditions, the following terms shall have the following meanings:

"Alert(s)" means the customized messages sent to the Client over his mobile phone as short messaging service ("SMS") in response to the Triggers sent by the Client.
"Alert/Push Facility" shall mean the service provide by Pune Urban Co Op Bank Ltd wherein a Client can obtain specific information pertaining to his Account on his Mobile Phone number. "Request/Pull Facility" shall mean facility through which Clients will be able to make requests about their Accounts by sending "key words" through SMS to Mobile Phone Number provided by Pune Urban Co Op Bank Ltd for the purpose.
"Triggers" means the customized triggers that are required to be set by the Client with Pune Urban Co Op Bank Ltd which shall enable Pune Urban Co Op Bank Ltd to send the Alerts relating to his Account.

The Client acknowledges that to receive Alerts, his mobile phone number must be active and accessible. The Client acknowledges that if the Client's mobile phone number remains inaccessible for a continuous period (such period dependent upon service providers) from the time an Alert message is sent by Pune Urban Co Op Bank Ltd, that particular message may not be received by the Client.
Triggers will be processed by Pune Urban Co Op Bank Ltd after receipt and Pune Urban Co Op Bank Ltd shall have the discretion to determine the time taken to process such request. The Client acknowledges that there shall be an intervening period between receipt of Triggers by Pune Urban Co Op Bank Ltd, process of the Triggers and the time that the Alerts are sent. The Client acknowledges that the Facilities provided is dependent on the infrastructure, connectivity and services provided by service providers engaged by Pune Urban Co Op Bank Ltd. The Client accepts that timelines, accuracy and readability of Alerts sent by Pune Urban Co Op Bank Ltd will depend on factors affecting other service providers engaged by Pune Urban Co Op Bank Ltd.
Pune Urban Co Op Bank Ltd shall not be liable for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of Alerts to the Client. Pune Urban Co Op Bank Ltd shall endeavor to provide the Facility on a best effort basis and the Client shall not hold Pune Urban Co Op Bank Ltd liable for non-availability of the Facility or non-performance by service providers, if any, engaged by Pune Urban Co Op Bank Ltd or any loss or damage caused to the Client as a result of use of the Facility (including relying on the Alerts for the Client's commercial, investment or business purposes) for causes which are not attributable to Pune Urban Co Op Bank Ltd.
Pune Urban Co Op Bank Ltd shall not be liable in any manner to the Client in connection with the use of the Facility. The Client accepts that each Alert may contain certain Account information relating to the Client. The Client authorises Pune Urban Co Op Bank Ltd to send Account related information, though not specifically requested, if Pune Urban Co Op Bank Ltd deems that the same is relevant. Pune Urban Co Op Bank Ltd shall not be held responsible for the confidentiality, secrecy and security of the Personal or Account information being sent through the Facility.
Fees Pune Urban Co Op Bank Ltd reserves the right to charge for the Alert Facility and revise such charges and such updates in charges shall be intimated to the Client through Alerts/ display on the Website depending upon the discretion of Pune Urban Co Op Bank Ltd.

17. Security and confidentiality of Customer Data

1. As per Information Systems security policies and procedures implemented in the Bank, Bank has 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.
2. 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.
3. 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.
4. 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 send to the customer, mobile app shall auto populate the OTP in the required field instead of entering by keypad.