Privacy & Security Policy

At Jankalyan Co-Op. Bank Ltd., Nashik, we value and protect your privacy. This policy explains how we collect, use, and safeguard your personal information when you use our banking services, including our Mobile Banking and Internet Banking platforms.

  1. Our Commitment to Your Privacy
    • We keep your personal and financial data confidential and secure.
    • We do not sell your data to anyone.
    • We share your information only when required for providing banking services or by law, and always with proper safeguards in place.
  1. Information We Collect
    We may collect:
    • Personal details like name, address, contact information, and identification documents
    • Account and transaction information
    • Device details (such as mobile device ID, IP address) when using our Mobile Banking app
    • OTPs and SMS content related to banking transactions for autofill purposes
  1. How We Use Your Information
    We use your information to:
    • Provide and improve our banking services
    • Process your transactions securely
    • Detect and prevent fraud
    • Comply with legal and regulatory requirements
  1. Mobile Banking App Features for Your Safety
    OTP Auto-Read
    • Our app can automatically read OTPs sent to your mobile and fill them in for you.
    • OTPs are used only for that specific transaction and are not stored.
    App Safety Check
    • Our app can detect “SMS forwarding” or “remote access” apps that may pose security risks.
    • If such apps are found, access to Mobile Banking will be restricted until they are removed.
    Installed App Monitoring
    • The app may securely send a list of installed apps to the bank for fraud prevention.
  1. SMS Delivery Confirmation
    • We work with SMS vendors who provide delivery status reports for every SMS sent.
    • This helps ensure you receive important alerts and OTPs on time.
  1. How We Protect Your Data
    • Data is stored on secure servers with strong encryption.
    • Access is limited to authorised personnel only.
    • We review and update our security measures regularly.
  1. Your Choices and Rights
    • You can request updates or corrections to your personal data.
    • You may withdraw consent for optional features like SMS autofill (may affect functionality).
    • You can contact us for any privacy-related concerns.
  1. Changes to This Policy
    We may update this policy from time to time. The latest version will always be available on our website.
  1. Contact Us
    IT Manager
    Jankalyan Co-Op. Bank Ltd., Nashik
    📧 Email: ho@jcblnsk.com
    📞 Phone: 9028427900

Last updated on 06 August 2025