Article 1 - Definitions

Applicable Mobile Application: This Privacy Policy will refer to and be applicable to the Mobile App listed above, which shall hereinafter be referred to as Mobile App.

Effective Date: Effective Date means the date this Privacy Policy comes into force and effect.

Parties: The parties to this privacy policy are the following data controller: Madakkimala Service Co-operative Bank Ltd. (“Data Controller”) and you, as the user of this Mobile App. Hereinafter, the parties will individually be referred to as Party and collectively as Parties.

Data Controller: Data Controller is the Party responsible for the collection of information described herein.

Operator: Operator is the publisher, owner, and operator of the Mobile App and is the Party responsible for the collection of information described herein, along with the Data Controller.

You: Should you agree to this Privacy Policy and continue your use of the Mobile App, you will be referred to as you or the user.

Personal Data: Personal Data means personal information that we obtain from you in connection with your use of the Mobile App that is capable of identifying you in any manner.

Article 2 - General Information

This Privacy Policy describes how we collect and use the Personal Data that we receive about you, as well as your rights in relation to that data, when you visit and interact with our Mobile App.

We are committed to protecting your privacy. By continuing to use our Mobile App, you acknowledge that you have read and agree to this Privacy Policy. If you do not agree, please discontinue use of the Mobile App immediately.

Article 3 - Contact

The Party responsible for processing your personal data is Madakkimala Service Co-operative Bank Ltd. The Bank also operates the Mobile App.

Article 4 - Location

Madakkimala Service Co-operative Bank Ltd.
No. F 490, P.O. Madakkimala,
Wayanad District, Kerala
Email: madakkimalascb@gmail.com

Article 6 - The Personal Data We Receive From You

Depending on how you use our Mobile App, you may provide different types of Personal Data:

• First-time users: Account Number, Date of Birth/Registration, and Mobile Number.
• Registered users: 4-digit MPIN and Mobile Number for OTP verification.

By registering, you consent to our collection, storage, and use of your Personal Data in accordance with this Privacy Policy.

Article 7 - How Personal Data Is Stored

We use secure systems to store your Personal Data and protect it from unauthorized access or destruction. Although no internet system is completely secure, we take all reasonable steps to protect your information.

We retain your data throughout your relationship with us. Upon request, we will delete your data or your account. In case of a data breach, you will be notified within two weeks as per applicable laws.

Article 8 - Purpose of Processing Personal Data

We use your Personal Data to provide and improve our services, including:

• Improving your user experience
• Communicating with you about your account
• Providing customer support

Article 9 - Disclosure of Personal Data

We may disclose your data in limited circumstances, such as:

• To comply with legal or regulatory obligations
• To cooperate with lawful investigations
• To prevent fraud or unauthorized activity
• To enforce our terms of use

Article 10 - Modifying, Deleting, and Accessing Your Information

If you wish to modify, delete, or access any Personal Data we hold about you, please contact the corresponding bank branch.

Article 11 - Your Rights

You have the following rights regarding your Personal Data:

• The right to be informed about data processing
• The right to access your data
• The right to update or correct your data

These rights can be exercised by contacting us at the details provided below.

Article 12 - Contact Information

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

Madakkimala Service Co-operative Bank Ltd.
No. F 490, P.O. Madakkimala,
Wayanad District, Kerala
Email: madakkimalascb@gmail.com