PRIVACY POLICY
Effective Date: [23/10/2026] | Version: [1.0]
| Item | Details |
|---|---|
| Name of Bank | Shri Rajkot District Co-Operative Bank Ltd. ("RDC Bank", "the Bank", "we", "us", "our") |
| Registration No. | 24940/1959 |
| RBI Licence No. | RPCD(AH) 15/2011-12 dated 25/06/2012 |
| Registered / Head Office |
"Vithalbhai Radadiya Jilla Bank Bhavan", Kasturba Road, Rajkot – 360 001, Gujarat, India |
| Telephone | 0281-2231650 / 51 / 52 / 53, 0281-2226660 / 70 |
| admin@rajkotdccb.bank.in | |
| Website | https://rajkotdccb.bank.in/rdc/index.php |
| Application Name | RDCB MOBILE APPLICATIONS |
1. Introduction
Shri Rajkot District Co-Operative Bank Ltd. is a District Central Co-operative Bank (Registration No. 24940/1959) licensed by the Reserve Bank of India. The Bank serves its members and customers in Rajkot and Morbi districts through its branch network and provides savings and current accounts, fixed and recurring deposits, agricultural and other loans, gold loans, lockers, NEFT/RTGS, UPI, RuPay debit cards, and insurance services (PMJJBY, PMSBY and general insurance through its corporate agency tie-up). This Privacy Policy applies to all digital services and mobile applications published and operated by SHRI RAJKOT DISTRICT CO-OPERATIVE BANK LTD., including but not limited to:- RAJKOT DCCB CBS AUTHENTICATOR (for secure cheque verification and fraud prevention)
- Mobile Banking App
2. Scope and Applicable Laws
This Policy applies to all customers, members and users of the App. It is framed in line with:- The Information Technology Act, 2000 and the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011;
- The Digital Personal Data Protection Act, 2023 and the Rules made under it, as applicable and in force;
- Reserve Bank of India directions and guidelines on customer confidentiality, digital banking, cyber security, and data localisation / storage of payment system data;
- Google Play Developer Program Policies, including User Data and Data Safety requirements.
3. Information We Collect
3.1 Information you provide
- Identity and contact details: name, mobile number registered with the Bank, email address, address, date of birth.
- Account and KYC details: account number, CIF/customer ID, branch, and KYC particulars already held by the Bank (such as PAN / Aadhaar / other officially valid documents). The App does not store full KYC documents on your device.
- Authentication credentials: login ID, MPIN / password, OTP. Credentials are never shared with any third party and the Bank staff will never ask for them.
- Transaction details: beneficiary name, account number, IFSC, amount, remarks, and transaction history for NEFT / IMPS and similar services.
- Communication with us: queries, complaints and feedback you send to the Bank.
3.2 Information collected automatically
- Device information: device model, operating system version, unique device identifier / Android ID, app version, and network type, used for device binding and fraud prevention.
- Log and usage data: login date/time, IP address, screens accessed, error logs and crash reports.
- Location: The App collects approximate location for security and fraud-prevention purposes only.
3.3 App permissions
The App may request the following Android permissions. Each is used only for the purpose mentioned.| Permission | Purpose |
|---|---|
| Phone / Device State | Device identification and binding to your registered mobile number to prevent unauthorised access. |
| SMS (if used) | To verify your registered mobile number / read OTP for registration and login. Messages are not stored or shared for any other purpose. |
| Internet / Network State | To connect securely to the Bank's servers. |
| Storage / Files | To save or download account statements and receipts that you request. |
| Camera (if used) | To scan QR codes or capture documents, only when you choose to use that feature. |
| Contacts (if used) | Only if you choose to select a beneficiary from your contact list; contacts are not uploaded or stored by the Bank. |
| Biometric / Fingerprint (if used) | Optional login using your device’s biometric feature. Biometric data stays on your device and is never accessed by the Bank. |
4. How We Use Your Information
- To register you, authenticate you and provide mobile banking services (balance enquiry, statements, transaction history, fund transfer).
- To process and confirm transactions and send alerts, OTPs and service messages.
- To detect, prevent and investigate fraud, unauthorised access and security incidents.
- To comply with legal, regulatory, audit, KYC / AML / CFT and reporting obligations.
- To resolve queries and grievances and to improve the App’s performance and user experience.
- To inform you about changes to services, charges or this Policy.
5. Disclosure and Sharing of Information
The Bank treats customer information as private and confidential and does not disclose it to any person except where:- you have given consent, or have authorised the disclosure;
- disclosure is required by law, court order, or a regulator or government agency (e.g., RBI, NABARD, Income Tax, law-enforcement agencies);
- it is necessary to protect or defend the rights, interests or property of the Bank, its members or other persons, or to enforce the terms of its products and services;
- it is required for credit information companies, credit bureaus, clearing and payment networks (NPCI / NEFT / RTGS / IMPS / UPI) and other banks for processing your transactions, credit reporting, verification and risk management.
6. Data Security
The Bank adopts reasonable security practices and procedures, including:- encryption of data in transit (secure HTTPS / TLS channel) and protection of data at rest on secured servers;
- MPIN / password and OTP-based authentication, device binding and session time-out;
- access controls, logical and physical safeguards, firewalls and periodic security audits / VAPT;
- training of employees on confidentiality; staff violating confidentiality are subject to disciplinary action.
- keep your MPIN / password confidential and use a strong combination of letters, numbers and special characters;
- never share OTP, PIN, CVV or passwords with anyone – the Bank never asks for these by phone, SMS, email or link;
- download the App only from the official Google Play Store link given on the Bank’s website and keep your device OS and the App updated;
- report lost / stolen phone or suspicious transactions to the Bank immediately.
7. Data Retention
Your information is retained for as long as your account / relationship with the Bank continues and thereafter for the period required under applicable laws, RBI guidelines and the Bank’s record-retention policy (generally not less than 5 to 8 years for banking records as applicable), after which it is securely deleted or anonymised.
8. Your Rights and Choices
Subject to applicable law, you may:- request access to the personal information the Bank holds about you;
- request correction of inaccurate or incomplete information (for KYC changes, please visit your home branch with valid documents);
- withdraw consent for optional features (such as notifications or biometric login) at any time, without affecting earlier lawful processing;
- request deactivation of mobile banking, or deletion of App-related data, as described below; and
- nominate another person to exercise your rights in the event of death or incapacity, where permitted by law.
Account / data deletion request
To deactivation of Mobile Banking services or any account-related request, customers must visit and contact their Home Branch. As per applicable banking laws, regulatory requirements, and record retention obligations, the Bank is required to maintain customer account information, transaction records, KYC documents, and other related data for the prescribed period. Accordingly, such information cannot be deleted upon customer request. The retained information shall be used only for legal, regulatory, audit, and compliance purposes. Customers wishing to deactivate Mobile Banking services may submit their request at their Home Branch.
9. Children’s Privacy
The App is intended for users aged 18 years and above who hold an account with the Bank. The Bank does not knowingly collect personal data of children through the App. Accounts of minors, where permitted, are operated by the natural / legal guardian.
10. Third-Party Services and Links
Rajkot District Co-operative Bank Ltd. is not responsible for the information practices, content, or privacy policies of any third-party websites linked to or from the Bank's website. Such links are provided solely for the convenience of users and as references to information or services that may be useful to customers of the Bank. The inclusion of any link does not imply endorsement, approval, or recommendation by Rajkot District Co-operative Bank Ltd. of the linked website, its products, services, or content. Users are advised to review the privacy policies and terms of use of any third-party website before providing personal information or conducting transactions.
11. Changes to this Policy
The Bank may update this Privacy Policy from time to time to reflect changes in law, technology or services. The updated Policy will be published on the Bank’s website and in the App with a revised “Last Updated” date. Continued use of the App after the update means you accept the revised Policy.