Pune Core Bank (PCB) Privacy Policy

In the course of using the PCB website, Internet banking application, mobile banking applications or its custom extensions or availing the products and services vide the online application forms and questionnaires, PCB and its Affiliates may become privy to the personal information of its customers, including information that is of a confidential in nature.

PCB 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 Commitment or in terms of the agreements, if any, with the Customers.

PCB endeavours to safeguard and ensure the security of the information provided by the Customer. PCB uses 128-bit1 encryption, for the transmission of the information, which is one of the permitted level of encryption in India. When the information provided by the Customers is not transmitted through this encryption, the Customers' system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the Customer's information.

The Customer would be required to cooperate with PCB in order to ensure the security of the information, and it is recommended that the customers necessarily choose their passwords carefully such that unauthorised access is not easily possible to a third party. To make the password complex and difficult for others to guess, the customers should use combination of alphabets, numbers and special characters (like!, @, #, $ ,* etc.), and refrain from using easily guessable credentials like nick name, Date of birth, spouse’s name, pets name 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.

PCB 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;
• Enforce the terms and conditions of the products or services; or
• Act to protect the interest, rights, property of PCB, its Affiliates, or its members, constituents or of other persons.

The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to PCB 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 PCB or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

PCB will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the customers. PCB may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of PCB and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from PCB only for these purposes.

Cookie policy:

Cookies do lots of different jobs, like allowing users to navigate between pages efficiently, remembering their preferences, and generally improving their browsing experience. These cookies collect information analytics about how users use a website, for instance often visited pages. All information collected by third party cookies is aggregated and therefore anonymous. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her web browser settings. PCB is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

The Customer authorises PCB to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold PCB liable for use or disclosure of this information.