The Villupuram District Central Co-operative Bank Ltd., (VPMCCB) is committed to protecting the privacy and confidentiality of its customers’ personal information. This Privacy Policy outlines how the Bank collects, uses, stores, and safeguards customer information.

1. Introduction
The Bank values the trust reposed by its customers and recognizes the importance of maintaining the privacy and security of personal information. This policy is designed in accordance with applicable laws and regulatory guidelines.

2. Collection of Information
The Bank collects customer information for legitimate business purposes, including but not limited to:
 Opening and maintaining accounts
 Processing transactions
 Providing banking and financial services
 Complying with legal and regulatory requirements

Information collected may include personal details, contact information, financial information, and transaction details.

3. Use of Information
Customer information is used for:
 Providing and improving banking services
 Processing transactions and requests
 Communicating important updates, services, and offers
 Risk management, fraud prevention, and credit assessment
 Meeting legal and regulatory obligations
The Bank ensures that information is used only for lawful and necessary purposes.

4. Data Security and Confidentiality
The Bank maintains strict security measures to protect customer information against unauthorized access, alteration, disclosure, or destruction.
 Access is restricted to authorized employees only
 Systems are secured through appropriate technical and organizational safeguards
 Employees are bound by confidentiality obligations

5. Disclosure of Information
The Bank does not disclose customer information to third parties except in the following cases:
 When required by law, regulatory authorities, or statutory agencies
 With credit information companies, clearing houses, or financial institutions for legitimate purposes such as credit assessment and risk management
 To service providers engaged by the Bank, subject to strict confidentiality agreements

6. Third-Party Service Providers
The Bank may engage third-party vendors for support services. Such parties are required to adhere to the Bank’s privacy and security standards and are permitted to use the information only for the specified purpose.

7. Accuracy of Information
The Bank takes reasonable steps to ensure that customer information is accurate and up to date. Customers are encouraged to inform the Bank of any changes in their personal details.

8. Website Usage and External Links
The Bank’s website may contain links to external websites for customer convenience.
The Bank is not responsible for the privacy practices or content of such websites.
Customers are advised to review the privacy policies of those websites before sharing information.

9. Data Retention
Customer information will be retained only for as long as necessary to fulfill the purposes for which it was collected, or as required under applicable laws and regulatory guidelines.

10. Customer Rights
Customers may:
 Request access to their personal information
 Seek correction or updating of inaccurate information
 Raise concerns regarding misuse of their data
Requests will be processed in accordance with applicable regulations.

11. Grievance Redressal
In case of any concerns or complaints regarding privacy or handling of personal information, customers may register their grievance through the Nivaran Grievance Portal available on the Bank’s website.

Customers may also directly access the portal using the following link:

https://vdccb8116.nivaran.in/

All grievances will be examined and resolved within the prescribed time frame as per applicable regulatory guidelines.

12. Policy Review and Updates
The Bank reserves the right to amend or update this Privacy Policy from time to time.
Any changes will be made available on the Bank’s website.