Clear and easily accessible Statements of Practices and Policies
The Policy is in compliance with the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011 (the “IT Rules”) contained in the Information Technology Act 2000.
In this policy, “we”, “us”, “our” or “DBS” means DBS Bank India Limited, and “you”, “your” or “yours” means the persons to whom this policy applies.
What Personal Information do we Collect
“Personal Information” is data that can be used to identify a natural person. Some examples of personal information that we may collect are:
Usage of Personal Information
DBS collects and uses the financial information and other personal information from its customers. This information is used for specific business purposes or for other related purposes designated by DBS or for a lawful purpose to comply with the applicable laws and regulations, and will include:
We may also use personal information for purposes set out in the terms and conditions that govern our relationship with you or our customer.
DBS shall not divulge any personal information collected from the customer, for cross selling or any other purposes.
The authenticity of the personal information provided by the customer shall not be the responsibility of DBS.
Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as personal information for the purposes of this Policy and DBS shall not be responsible for the same.
Disclosure of Personal Information
The personal information collected by DBS shall not be disclosed to any other organization except:
Withdrawal of Consent to use or correction of your Personal Information
Sharing of personal information with DBS is voluntary and in case customer wishes to withdraw its consent or make modifications to the personal information, customer can do so by writing to our Grievance Officer. Note that such withdrawal of consent may restrict the ability of DBS to perform their agreed responsibilities and customer accepts the effects of such withdrawal. DBS’ duty to restrict use of your personal information begins after DBS acknowledges in writing the receipt of your communication withdrawing your consent to use.
Storage and Transfer of Personal Information
DBS complies with applicable laws and its internal policies in respect of the storage and transfer of your Personal Information. As a part of your use of the services provided by DBS, your Personal Information that you provide to us may be transferred to and stored in countries other than the country you are based in. This may happen if any of our servers are from time to time located in a country other than the one in which you are based, or if one of our vendors, partners, or service providers is located in a country other than one you are based in. We ensure that that any recipients of your Personal Information that we transfer are subject to suitable confidentiality obligations and access to and processing of your Personal Information is in accordance with contractual terms, applicable laws, and our instructions.
Retention of Personal Information
DBS may retain your Personal Information for as long as required to provide you with the our services or even beyond the expiry of transactional or account based relationship with you, in accordance with applicable laws and our internal policies: (a) if required for compliance with any legal or regulatory requirements; or (b) for the institution, enforcement, or defence of legal claims; or (c) for managing your account and dealing with any concerns that may arise; or (d) if we need to use it for our business and related purposes, including but not limited to, responding to queries or complaints, fighting fraud and financial crime or pursuant to contractual obligations; or (e) in accordance with specific consents. If we do not require the retention of your Personal Information, we use best efforts to destroy or delete such information as per our internal policies.
Cookies and Related Technologies
A pixel tag, also known as a web beacon, is an invisible tag placed on certain pages of our website but not on your computer. Pixel tags are usually used in conjunction with cookies and are used to monitor the behaviour of users visiting the website.
You may set up your web browser to block cookies which will in turn disable the pixel tags from monitoring your website visit. You may also remove cookies stored from your computer or mobile device. However, if you do block cookies and pixel tags, you may not be able to use certain features and functions of our websites.
We seek certain app permissions at the time of installation on your mobile device, providing us access to data on your mobile device to make your banking experience personalized and enabling us to offer you relevant products and services. Should you wish to modify or disable these permissions, you can change the app settings on your mobile device at any time. Do note that some of the functionality and offers on the app may get impacted by this action.
Reasonable Security Practices and Procedures
DBS shall take reasonable steps and measures to protect the security of the customer’s personal information from misuse and loss, unauthorised access, modification or disclosure. DBS maintains its security systems to ensure that the personal information of the customer is appropriately protected. DBS ensures that its employees respect the confidentiality of any personal information held by DBS.
DBS reserves the right to change or update this Policy or practice, at any time with reasonable notice to customers on DBS web site so that customers are always aware how DBS deals with the information received or collected whilst providing services to you, for what purpose DBS uses it, and under what circumstances, if any, DBS may disclose it.
Response to Enquiries and Complaints
To contact us on any aspect of this policy or for any discrepancies/grievances with respect to your personal information including modification, you may write to our Grievance Officer Ms. Kaunain Esmile at [email protected]