Privacy Policy
“Aryavart BHIM UPI India Pay UPI” is a
Unified Payment Interface application of Aryavart Bank. By downloading this app
Customer/ user agrees to terms and conditions of this Privacy Policy given by the
application. Aryavart Bank (referred as ‘Bank’ herein after) will not be able
to on-board the Customer/ user in case Customer/ user are not in agreement with
the terms and condition. By mere use of Aryavart BHIM UPI, Customer/ user
expressly consent to Bank to use and for disclosure of Customer/ user’s
personal information in accordance with the Privacy Policy. This Privacy Policy
is incorporated into and subject to terms and conditions.
Collection of
Personally Identifiable Information and Other Information:
When Customer/ user use Bank’s
aforesaid application, Bank collects and stores Customer/ user‘s personal
information provided by Customer/ user from time to time. Bank does so to
ensure that Customer/ user is provided a safe, efficient, smooth and seamless
experience. This also allows Bank to understand Customer/ user‘s needs and
provide for services and features that best suit them. Bank strives to provide
for services and features that best suit them. Customer/ user strives to
provide for customizations on Bank’s application to ensure that Customer/
user’s experience is always safer and easier. This requires collection of
personal information to the extent necessary for achieving this purpose and
objective.
Customer/ user may please note that
it is mandatory to register themself in order to use the app. And once
Customer/ user give Bank Customer/ user’s personal information, Customer/ user
are not anonymous to Bank. Bank may automatically track certain information
about Customer/ user based upon Customer/ user’s behaviour on Bank’s app to the
extent permitted by law.
If Customer/ user choose to transact
on the app, Bank collect information about Customer/ user’s transaction
behaviour. Bank collect some additional information such as a billing address,
details of recipient, payer of the transaction, location, etc. which may be
used for providing better experience to Customer/ user while using the App. If
Customer/ user choose to provide information by way of messages on Bank’s
message boards (as & when available) and/ or chat rooms and/or any other
message areas and/or if Customer/ user prefer to leave feedback, Bank will
collect that information Customer/ user provides to Bank. Bank retain this
information as necessary to resolve disputes in terms of transactions and
otherwise, where needed, provide customer support and troubleshoot problems as
permitted by law. Bank collect personally identifiable information (email
address, name, phone number, Aadhar number etc.) from
Customer/ user when Customer/ user register with Bank to create Customer/
user’s unique identification in terms of Virtual Payment Address and/ or any
other unique registration identification that is/ shall be made available to
Bank’s customers.
Use of Demographic/
Profile Data/ Customer/ User’s Information:
Bank use Customer/ user’s personal
information to provide the services Customer/ user requests. Bank use Customer/
user’s personal information to resolve disputes;Troubleshoot problems; Send
money, collect money; measure consumer interest in Bank’s products and services
and Bank may use the information to keep Customer/ user apprised on any online
and offline offers, products, services and updates that shall be made available
for use of our customers. Bank use the information thus obtained to customize
Customer/ user’s experience; detect and protect the Bank against error, fraud
and other criminal activity; enforce Bank’s terms and conditions which are an
integral part of the use of this application; and as otherwise described to
Customer/ user at the time of such collection.
Bank identifies and uses Customer/
user’s IP address to help diagnose problems with Bank’s server, and to
administer our app. Customer/ user’s IP address is also used to identify
Customer/ user and to gather broad demographic information.
Sharing of personal
information:
Bank may disclose personal
information of Customer/ user if required to do so by law and /or in the good
faith and belief that such disclosure is required to respond to subpoenas,
court orders, and /or other legal processes. Bank may disclose personal
information to law enforcement offices upon such requests, third party rights
owners and /or others in the good faith and belief that such disclosure is
required to:
a.
Enforce Bank’s Terms and/or Privacy
Policy; and/or
b.
Respond to claims that an
advertisement, posting and/or other content violates the rights of a third
party; and /or
c.
To protect the rights, property
and/or personal safety of Bank’s customers/users and / or the general public.
Bank shall be within its right to
share some or all of Customer/ user’s personal information with another
business entity should Bank (or our assets) plan to merge with, or be acquired
by that business entity, or re-organization, amalgamation, restructuring of
business and in such case of merger or acquisition, all the rights and duties
of the Bank under this Privacy shall be vested with the new entity Should such
a transaction occur that other business entity (or the new combined entity)
will be required to follow this privacy policy with respect to your personal
information.
Methods of Data
processing:
Data is controlled and processed in
house by the bank. The in house Data center processes
the data of Customer/Users in a proper manner and appropriate security measures
are taken to prevent unauthorized access, disclosure, modification, or
unauthorized destruction of the Data. The Data processing is carried out using
computers and / or IT enabled tools, following organizational procedures and
modes strictly related to the purposes indicated. In addition to the Data
centre, in some cases, the Data may be accessible to bank officials, involved
with the operation of the service (administration, sales, marketing, legal,
system administration) or external parties (such as vendors, third party
technical service providers, mail & SMS carriers) appointed, if required,
as Data Processors by the business Owner. The updated list of these parties may
be requested from the business owner at any time.
Place of data
processing:
The Data is processed at the bank’s
Data center and in any other places where the parties
involved with the processing are located.
Retention time:
The Data is kept for the time
necessary to provide the UPI services, and the extent permitted by law.
Legal action:
The Customer/User's Personal Data may
be used for legal purposes by the bank, in Court or in the stages leading to
possible legal action arising from improper use of this application or the
related services. The Customer/User is aware of the fact that the Data
Controller may be required to reveal personal data upon request of public
authorities.
System Logs and
Maintenance:
For operation and maintenance
purposes, this Application and any third party services may collect files that
record interaction with this Application (System Logs).Information not
contained in this policy: More details concerning the collection or processing
of Personal Data may be requested from the bank at any time.
The rights of
Users:
Customer/Users have the right, at any
time, to know whether their Personal Data has been stored and can consult the
bank to learn about their contents and origin, to verify its accuracy or to ask
for them to be supplemented, cancelled, updated or corrected, or for their
transformation into anonymous format or to block any data held in violation of
the law, as well as to oppose their treatment for any and all legitimate
reasons. Requests should be sent to the bank at the contact information set out
above. This Application does not support “Do Not Track” requests. To determine
whether any of the third party services it uses honour the “Do Not Track”
requests, please read their privacy policies.
Changes to this
privacy policy:
The bank reserves the right to make
changes to this privacy policy at any time by giving notice to its
customer/Users on this page. It is strongly recommended to check this page
often, referring to the date of the last modification listed at the bottom. If
a customer/User objects to any of the changes to the Policy, the customer/User must
cease using this Application and can request that the bank to erase the
Personal Data. Unless stated otherwise, the then-current privacy policy applies
to all Personal Data the bank has about Users.
Security
Precautions:
Bank’s app has stringent security
measures in place to protect the loss, misuse, and alteration of the
information under Bank’s control and follows the best practices in the industry
in this regard. Whenever Customer/ user changes or access Customer/ user
account information, it is through secured channels. Once Customer/ user
information is in Bank’s possession Bank adhere to strict security guidelines,
protecting it against unauthorized access.
Your consent:
By using the app and/ or by providing
Customer/ user’s information, Customer/ user consents to the collection and use
of the information Customer/ user disclose on the app in accordance with this
Privacy Policy.
Definitions and
legal references:
Personal Data (or
Data):
Any information regarding a natural
person, a legal person, an institution or an association, which is, or can be,
identified, even indirectly, by reference to any other information, including a
personal identification number.
Usage Data:
Information collected automatically
from this Application (or third party services employed in this Application),
which can include: the mobile number and SIM serial number of the
customer/Users who use this Application, the method utilized to submit the
request to the server, the size of the file received in response, the numerical
code indicating the status of the server's answer (successful outcome, error,
etc.), the features of the browser and the operating system utilized by the
customer/User, the various time details per visit (e.g., the time spent on each
page within the Application) and the details about the path followed within the
Application with special reference to the sequence of pages visited, and other
parameters about the device operating system and/or the customer/User's IT
environment.
User:
The individual (registered customer)
using this Application, which must coincide with or be authorized by the bank
subject, to whom the Personal Data refer.
Data Subject:
The legal or natural person to whom
the Personal Data refers to Data Processor (or Data Supervisor). It includes
the natural person, legal person, public administration or any other body,
association or organization authorized by the bank to process the Personal Data
in compliance with this privacy policy.
Bank (or Owner):
Aryavart Bank is the Owner of this
Application.
This Application:
The hardware or software tool by
which the Personal Data of the customer/User is collected.
Cookie:
Small piece of data stored in the
customer/User's device.