Mobile Banking Privacy Policy
Preamble
“MPSS BANK ”, or “Manvi Pattana Souharda Sahakari Bank Ni,” or “Bank” means “Manvi Pattana Souharda Sahakari Bank Ni”having its registered office at Apartna Chitra Mandir Complex Sindhanur Road Manvi-584123.This Mobile Privacy Policy (“Policy”) applied to users of mobile banking through “Manvi Pattana Souharda Sahakari Bank Ni.” The term Manvi Pattana Souharda Sahakari Bank Ni or “MPSS BANK” or “we”, ”us” or “our” in any mobile banking application we own and control and in this Policy refers to Manvi Pattana Souharda Sahakari Bank Ni. and our affiliates or subsidiaries. This Policy describes how the mobile banking application hereafter known as “MPSS Mobile or “[MPSS Bank Mobile Banking ]” or “Mobile Banking Application” to collect, use and share information from or about you and explains how the information may be shared or used.
Agreement to Policy
By viewing Mobile Banking Application or [MPSS Mobile ] of Manvi Pattana Souharda Sahakari Bank Ni or by using MPSS Bank website “http://mpss.bank.in” on a mobile device, you consent to this policy which includes you consent to disclose and use information about you in the manner detailed in this policy. Other privacy policies may also apply in addition to the terms of this Mobile Privacy Policy, including but not limited to our Privacy Policy.
Information Collection, Use or Sharing
Information that we may collect about you through mobile banking includes information that you voluntarily disclose at the time of subscription such as your name, primary a/c number, alias a/c, secondary account number/s, mobile number and other contact information; transaction information, information resulting from your mobile activity in terms of your usage of the subscribed mobile banking service. We do not gather additional information associated with your mobile device through cookies and other technologies. We also do not share any of this information with any other company unless required to do so by law or while handling any disputes that may arise.
Communications
We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information.
Security
We apply several security measures to protect your information. Reply messages sent by the Mobile Banking use masking features to hide the first few characters in your a/c numbers. To help prevent misuse of services and authorize access to your banking information, you are always required to type in your MPIN/TPIN provided by the bank or set by you from time to time. As always, we strongly encourage you to assist us in that effort by not sharing your MPIN with anyone. Though the security of your Personal Information is important to us, there is no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we attempt to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Changes to This Privacy Policy
We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. We are not responsible to separately/individually inform or intimate to registered customer for change made in Privacy Policy by the bank.
If we make any material changes to this Privacy Policy, we will mention the same prominently by notice on our authorised website.
Contact Us
If you have any questions about this Privacy Policy, please contact us on info@mpss.bank.in
Web Site Privacy Policy
1. Introduction
Manvi Pattana Souharda Sahakari Bank Niyamita (“MPSS Bank”, “the Bank”, “we”, “our” or “us”) respects the privacy of visitors to its website, https://mpss.bank.in/. This Privacy Policy explains how we may collect, use, store, protect and disclose personal information when you visit our website or communicate with us through its online facilities.
By using our website, you acknowledge that you have read this Privacy Policy. Where consent is required by applicable law, we will obtain it appropriately.
2. Information We May Collect
Depending on how you use our website, we may collect the following information:
- Personal and contact information: Name, email address, telephone number, postal address and other information submitted through contact, enquiry, complaint or recruitment forms.
- Technical information: IP address, browser type, device information, operating system, access times and server logs.
- Website usage information: Pages visited, links accessed, referring website and other diagnostic information.
- Information submitted voluntarily: Details included in messages, feedback, job applications or other communications sent to the Bank.
If you use separate internet banking, mobile banking or other financial services, additional information may be collected and processed under the applicable terms, notices and policies for those services.
Please do not submit passwords, PINs, OTPs, complete card details or other confidential banking credentials through general website enquiry forms or ordinary email.
3. How We Use Your Information
The Bank may use information collected through the website to:
- Respond to enquiries, feedback and complaints.
- Provide information about the Bank, its branches and its services.
- Process recruitment applications and related communications.
- Maintain, operate and improve website functionality.
- Monitor website performance and investigate technical issues.
- Detect, prevent and investigate fraud, misuse, cyber threats and security incidents.
- Maintain records and comply with applicable legal, regulatory and reporting requirements.
We will process personal information only for appropriate, specified purposes and in accordance with applicable law.
4. Cookies and Similar Technologies
Our website may use cookies or similar technologies to maintain website functionality, remember preferences, analyse website usage or improve security.
You can manage cookies through your browser settings. Disabling certain cookies may affect some website features.
The Bank should identify the cookies and analytics tools actually deployed on its website and provide any additional notice or consent mechanism required by applicable law.
5. Sharing and Disclosure of Information
The Bank does not intend to sell visitors’ personal information.
Information may be shared, where necessary and lawful, with:
- Authorised website hosting, maintenance, security and technology service providers.
- Service providers supporting website forms, communications or analytics, where applicable.
- Law enforcement agencies, courts, regulators or other competent authorities where legally required or authorised.
- Other parties where disclosure is necessary to investigate fraud, address security incidents or protect lawful rights.
Where third-party service providers process personal information on the Bank’s behalf, appropriate safeguards should be maintained in accordance with applicable requirements.
6. Data Storage and Retention
The Bank will retain personal information only for as long as reasonably necessary for the purpose for which it was collected, subject to applicable legal, regulatory, audit, dispute-resolution and record-retention requirements.
When information is no longer required, it will be securely deleted, anonymised or otherwise disposed of in accordance with the Bank’s retention procedures and applicable law.
7. Data Security
The Bank will maintain appropriate technical and organisational safeguards designed to protect personal information against unauthorised access, disclosure, alteration, loss or misuse.
These safeguards may include access controls, security monitoring, secure hosting, backups and other measures appropriate to the information processed.
However, no website or method of electronic transmission can be guaranteed to be completely secure. Users should exercise caution when sharing information online.
8. Third-Party Websites and Services
Our website may contain links to third-party websites, payment services, banking platforms or government websites.
Those websites may have their own privacy policies and security practices. The Bank does not control the privacy practices of independent third parties. Visitors should review the relevant policies before providing information to those services.
9. Your Privacy Rights and Requests
Subject to applicable law, individuals may have rights concerning their personal information, including requesting access to information, correction or updating of inaccurate information, erasure where applicable, withdrawal of consent where processing is based on consent, and information about available grievance-redressal procedures.
Requests may be submitted using the contact details below. The Bank may need to verify the identity of the requester and may retain information where required by law.
10. Children's Privacy
The website is not specifically designed to collect personal information directly from children. Where personal information relating to a child is processed, the Bank will comply with applicable legal requirements, including any requirements concerning parental consent or other safeguards, where applicable.
11. Banking and Financial Information
This Privacy Policy relates primarily to the Bank’s public website. Specific banking products, customer onboarding, KYC procedures, account operations, internet banking and mobile banking may be governed by additional terms, notices and policies.
Nothing in this Policy replaces applicable banking regulations, customer agreements, statutory confidentiality obligations or other legal requirements.
The Bank will never ask customers to disclose their ATM PIN, internet banking password or OTP in response to an unsolicited email or message. Customers should report suspected fraudulent communications through the Bank’s official channels.
12. Changes to This Privacy Policy
The Bank may update this Privacy Policy to reflect changes in website functionality, information-processing practices, security requirements or applicable law.
The revised version will be published on this page with an updated revision date. Where required by law, the Bank will provide additional notice or obtain consent.
13. Contact Information and Grievances
For privacy-related questions, requests or complaints, please contact:
Manvi Pattana Souharda Sahakari Bank Niyamita
Address:
Aparna Chitramandira Complex,
Sindhanur Road, Manvi – 584123, Karnataka, India.
Telephone: 08538-220609
Email: info@mpss.bank.in
Website: https://mpss.bank.in/
14. Applicable Law
This Privacy Policy shall be interpreted in accordance with applicable laws of India, including relevant data protection and information technology laws and applicable banking and regulatory requirements