Privacy Policy

1. Introduction

Bandhan Co-Operative Thrift & Credit Society Limited (operating as BandhaneBank) respects the privacy of its members and website visitors. This Privacy Policy explains how we collect, use, store and protect your personal information when you interact with us – whether online or offline.

2. Information We Collect

We may collect the following types of information:

• • Personal Identification: Name, date of birth, gender, photograph, Aadhaar, PAN, address proof
• • Contact Details: Mobile number, email address, residential address
• • Financial Information: Bank details, income details, loan application data, deposit information
• • Membership Data: Membership number, share capital, transaction history
• • Website Data: IP address, browser type, pages visited (if cookies are used)

3. How We Use Your Information

We use the collected information for the following purposes:

• • Processing membership applications and KYC verification
• • Opening and managing Savings Account, RD, FD and Loan accounts
• • Processing loan applications and credit assessment
• • Communicating important updates, EMI reminders and society notices
• • Complying with legal and regulatory requirements
• • Improving our services and website experience
• • Preventing fraud and ensuring security of accounts

4. Sharing of Information

We do not sell or rent your personal information to third parties. We may share information only in the following cases:

• • With regulatory authorities, auditors or government agencies as required by law
• • With credit information companies (if applicable) for credit related purposes
• • With service providers who assist us in operations (under strict confidentiality)
• • When required by court order or legal process
• • With your explicit consent

5. Data Security

We take reasonable technical and organizational measures to protect your personal data against unauthorized access, loss, misuse or alteration. Physical records are stored securely at our office. Access to member data is restricted to authorized personnel only. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes and enforce our agreements. After the required retention period, data is securely deleted or anonymized as per applicable rules.

7. Your Rights

As a member/visitor you may:

• • Request access to the personal data we hold about you
• • Request correction of inaccurate or incomplete information
• • Request update of your contact details
• • Withdraw consent where processing is based on consent (subject to legal limitations)

To exercise these rights, please contact us using the details given below.

8. Cookies & Website

Our website may use basic cookies or similar technologies to improve user experience and understand how the site is used. You can control cookie settings through your browser. Disabling cookies may affect some functionality of the website.

9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to read their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated “Last Updated” date. We encourage you to review this page periodically.

11. Contact Us

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

Bandhan Co-Operative Thrift & Credit Society Limited (BandhaneBank)
S-925/26, Mangolpuri Near S Block, New Delhi – 110083
Phone: +91 80760 52323
Email: bandhanebank@gmail.com
Contact Person: Anisha Chaudhary

Last Updated: September 2026