Our Commitment to Your Privacy

At Harco Bank, we understand the importance of your **privacy** and are committed to protecting your personal information. This Privacy Policy outlines how Harco Bank collects, uses, discloses, and safeguards your information when you interact with us through our website, branches, and services. We adhere to the highest standards of ethical conduct and comply with all applicable laws and regulations concerning data privacy in India. This policy is designed to help you understand what information we collect, why we collect it, and what we do with it.

Information We Collect

We collect various types of information to provide you with our banking services and to improve your experience. This may include:

Personal Identifiable Information (PII)

• Contact Information: Name, address, email address, phone number.
• Identification Details: Aadhaar number, PAN, Passport details, Voter ID, driving license (as required by regulatory guidelines).
• Financial Information: Bank account numbers, transaction history, credit/debit card details, income details, and other financial data.
• Demographic Information: Date of birth, gender, marital status, nationality.

Non-Personal Information

• Technical Information: IP address, browser type, operating system, device information, and website usage data collected through cookies and similar technologies.
• Aggregated Data: Statistical data derived from your information that does not identify you personally.

How We Collect Information

We collect information through various channels, including:

• Directly from You: When you open an account, apply for a loan, use our online banking services, fill out forms, or communicate with us.
• From Third Parties: With your consent, we may receive information from credit bureaus, regulatory bodies, or other financial institutions.
• Automated Technologies: Through cookies, server logs, and other tracking technologies when you visit our website or use our mobile applications.

How We Use Your Information

Your information is primarily used to:

• Provide Banking Services: Process transactions, manage accounts, provide loans, and offer other financial products.
• Verify Identity: Comply with Know Your Customer (KYC) norms and prevent fraud and money laundering.
• Improve Services: Enhance our products, services, and customer experience based on your feedback and usage patterns.
• Communicate with You: Send important notices, updates, promotional offers (with your consent), and respond to your inquiries.
• Comply with Legal Obligations: Meet regulatory requirements and respond to legal processes or government requests.
• Risk Management: Assess and manage financial risks.

Disclosure of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only under the following circumstances:

• With Your Consent: When you explicitly authorize us to share your information.
• Service Providers: With trusted third-party service providers who assist us in operating our business (e.g., IT support, data processing, payment gateways), under strict confidentiality agreements.
• Legal & Regulatory Requirements: When required by law, court order, or government authority (e.g., RBI, tax authorities).
• Fraud Prevention: To detect, prevent, or investigate fraud or other illegal activities.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred as part of the deal, subject to appropriate privacy safeguards.
• Group Companies: With our affiliates and group companies for business operations and to offer integrated services, provided they adhere to similar privacy standards.

Data Security

We implement robust security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption: Using encryption technologies for data transmission and storage where appropriate.
• Access Controls: Restricting access to your information to authorized personnel only.
• Firewalls & Secure Servers: Employing firewalls and secure server environments to protect our systems.
• Regular Audits: Conducting regular security audits and vulnerability assessments.
• Employee Training: Training our employees on data privacy and security protocols.

Despite our best efforts, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

Your Rights

You have certain rights regarding your personal information held by Harco Bank, including:

• Right to Access: Request access to the personal data we hold about you.
• Right to Rectification: Request correction of inaccurate or incomplete data.
• Right to Withdraw Consent: Withdraw your consent for data processing at any time, subject to legal or contractual restrictions.
• Right to Object: Object to the processing of your personal data under certain circumstances.

To exercise these rights, please contact our customer support or visit your nearest branch.

Cookies and Tracking Technologies

Our website uses **cookies** and similar technologies to enhance your Browse experience, analyze site traffic, and personalize content. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.

Links to Third-Party Websites

Our website may contain links to **third-party websites** for your convenience. Harco Bank is not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Changes to This Privacy Policy

Harco Bank reserves the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting the revised policy on our website. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

The Haryana State Co-Operative Apex Bank Ltd.
SCO 78-80, Bank Square,
Sector 17-B, Chandigarh-160017, India

Customer Care: +91-172-2703816
Email: info@harcobank.org.in

Thank you for trusting Harco Bank with your financial needs. We are committed to safeguarding your privacy.