Privacy Policy

Solapur Janata Sahakari Bank Ltd (SJSB) is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy explains how we collect, use, and protect your data when you use our website, Mobile Banking Application, and digital payment services (ATM, PoS, and E-commerce).

1. Information We Collect

To provide a seamless digital banking experience, we may collect the following:

Personal Identity Information: Name, Date of Birth, Gender, and Photographs.

Contact Information: Mobile number, email address, and residential address.

Financial Information: Account numbers, transaction history, and credit/debit card details.

Technical Data: IP address, device ID, SIM serial number (for device binding), and operating system details.

App Permissions: With your explicit consent, our Mobile App may access your Location (for ATM branch locator), Contacts (for easy mobile recharges/transfers), and Camera (for QR code scanning).

2. How We Use Your Information

We use your data strictly for:

Processing transactions and maintaining your accounts.

Authenticating your identity for secure login (2FA).

Complying with RBI mandates, Anti-Money Laundering (AML) laws, and KYC requirements.

Improving our digital services and providing customer support.

Preventing and detecting fraud or unauthorized transactions.

3. Data Sharing and Disclosure

We do not sell your personal data. We only share information:

With authorized service providers (like NPCI for UPI/IMPS or Switch providers for ATM/PoS).

When required by law or legal process (e.g., responding to a court order or RBI inquiry).

To protect the rights, property, or safety of the Bank and its customers.

4. Data Security

SJSB employs industry-standard security measures, including:

Encryption: 128-bit/256-bit SSL encryption for data in transit.

Firewalls: Advanced monitoring to prevent unauthorized access.

Session Management: Automatic logout after periods of inactivity.

No Manual Access: Our staff cannot see your passwords or MPINs.

5. Your Rights and Choices

Correction: You can update your contact details via your home branch.

Withdrawal of Consent: You can manage app permissions via your phone settings; however, some services may become unavailable.

Marketing: You can opt-out of receiving promotional SMS or emails.

6. Retention of Data

We retain your personal and transaction data only as long as necessary to provide services to you and as mandated by the RBI Record Retention Policy (typically 5 to 10 years after the account is closed).

7. Grievance Redressal

If you have questions or concerns regarding your privacy, please contact our Nodal Officer:

Address: Gaganbharari Shivsmarak Sankul, Gold Finch Peth, Solapur – 413007. Maharashtra. India.

Email: pno@sjsbbank.in