Privacy Policy - Kerala Bank

The Kerala State Co-operative Bank Ltd is strongly committed to protect 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.

In the course of using this website or availing the products and services vide the online application forms, The Kerala State Co-operative Bank Ltd and its Affiliates may become privy to the personal information of its customers, including information that is of a confidential nature.

The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to The Kerala State Co-operative Bank Ltd. 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 The Kerala State Co-operative Bank Ltd. or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

The Kerala State Co-operative Bank Ltd will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the customers.

Every information which you have given to our Bank either in writing or through email or through a website in future or by your consent from central/state agencies is your Name, Address, email ids, identity numbers of documents submitted under KYC or otherwise, your contact numbers, scanned photographs etc.

The Customer authorises The Kerala State Co-operative Bank Ltd 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 The Kerala State Co-operative Bank Ltd liable for use or disclosure of this information.

The Kerala State Co-operative Bank Ltd endeavours to safeguard and ensure the security of the information provided by the user. The user would be required to co-operate with The Kerala State Co-operative Bank Ltd in order to ensure the security of the information, and it is recommended that the users necessarily choose 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 Customers should use combination of alphabets, numbers and special characters (like !, @, #, $ 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. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate controls and passwords.

You can correct any factual errors in the information pertaining to you by giving a written intimation to the branch where you have the account which will be immediately updated by our staff.

Should you have other questions or concerns about these privacy policies, please email us at kscb@keralacobank.com or you may contact us through the website. Should you have other questions or concerns about these privacy policies, please email us at kscb@keralacobank.com or you may contact us through the website.

The privacy practices set forth in this policy are for www.keralabank.co.in website and mobile application only. The Kerala State Co-operative Bank Ltd website may contain links to other websites of similar interest. However, once user click these links and leave the Bank’s website, user should note that The Kerala State Co-operative Bank Ltd does not have any control over other websites.

Data Safety

• We are collecting personal information, such as name and email address, for user information in the app. Data is encrypted in transit, and users can delete data using the de-registration functionality in the KB Prime and KB Prime Plus Mobile Applications.
• We are collecting the user's location to find the nearest ATM/Branch in the app.
• We are collecting Device IDs for user account management in the app.
• The Bank is limiting the collection and use of customer information to the minimum required to deliver superior service to our customers, if user gives us access to their contacts, Bank will send referral link to invite people to use the KB Prime and KB Prime Plus Mobile applications. However, Bank does not store these contacts.

Storing of Personal Information

• Once Personal Information is collected from the Customers, it is the responsibility of The Bank to store it in a secure environment.
• Personal information is stored on secure servers. Where the Customer has been given a user name, Password/Pin Number, which enables Customer to access some services of the bank, the Customer shall be responsible for keeping this user name, password/ Pin number confidential.
• In the event of information security breach, The Bank shall be able to demonstrate that information security is implemented as per the documented information security policies. To meet this objective, appropriate record of the implementation of Information Security controls should be maintained in such a manner that it would be acceptable as evidence.
• If the Personal Information is available in physical document form, it shall be kept in protected environment such as physical security system, cupboards, fireproof cabinets, file storing equipment and machines, etc.
• If the Personal Information is available in electronic format, it shall be stored within the Bank's environment and software systems, which shall be protected with the help of appropriate access controls, passwords, encryption and/or other such reasonable security measures. Personal Information of Customers shall not to be copied, duplicated, or extracted for any purpose other than for the Bank's operations/legal and/or regulatory requirement.