1. Objective

The objective of this Privacy Policy is to ensure the protection, confidentiality, and proper handling of customer information collected, stored, processed, and shared by The Tirupati Co-operative Bank Limited (“the Bank”) in accordance with applicable laws, RBI guidelines, and regulatory requirements.

2. Scope

• All customers of the Bank
• All employees, officers, and contractual staff
• All branches, departments, systems, and service channels

3. Customer Information

Customer information includes, but is not limited to:

• Personal details such as name, address, contact details, and date of birth
• KYC documents and identity proofs
• Account details, balances, and transaction records
• Loan, deposit, and investment information
• Digital banking access logs and system records

4. Collection of Information

The Bank collects customer information during account opening, transactions, service usage, and for compliance with KYC, AML, and statutory obligations. Only information necessary for legitimate banking purposes is collected.

5. Use of Information

• Providing banking products and services
• Processing financial transactions
• Risk management and fraud prevention
• Regulatory reporting and compliance
• Internal audits and monitoring

6. Confidentiality & Disclosure

Customer information is treated as strictly confidential. Disclosure is permitted only when required by law, regulatory authorities (RBI / NABARD), court orders, approved service providers under confidentiality agreements, or with customer consent where applicable.

The Bank does not share customer information for commercial gain.

7. Information Security

• Secure IT infrastructure and access controls
• Password protection and authentication systems
• Periodic security audits and system reviews
• Employee confidentiality undertakings

8. Data Retention

Customer records are retained as per RBI guidelines and statutory requirements. After the prescribed period, data is securely archived or destroyed.

9. Customer Rights

• Access their account information
• Request correction of inaccurate data
• Seek clarification regarding data usage

10. Employee Responsibility

All Bank employees and officials are responsible for protecting customer confidentiality. Violations of this policy may result in disciplinary action.

11. Policy Review

This policy is reviewed periodically by the Management / Board of Directors and may be amended to meet regulatory or operational requirements.

12. Contact & Grievance

For privacy-related concerns, customers may contact:

The Tirupati Co-operative Bank Limited
23, G Car Street, Tirupati – 517501
Email: admin@tirupaticoopbank.com