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PRIVACY POLICY

 

In the course of using this website, mobile applications or its custom extensions or availing the products and services vide the online application forms and questionnaires, AU Small Finance Bank Limited and its Affiliates may become privy to the personal information of its customers, including information that is of a confidential nature.

AU Small Finance Bank Limited is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the agreements, if any, with the Customers.

AU Small Finance Bank Limited endeavours to safeguard and ensure the security of the information provided by the Customer. Au Bank uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India. When the information provided by the Customers is not transmitted through this encryption, the system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the Customer's information.

The Customer would be required to cooperate with AU Small Finance Bank Limited in order to ensure the security of the information, and it is recommended that the Customers necessarily choose their passwords carefully such that no unauthorised access is made by a third party. To make the password complex and difficult for others to guess, the Customers should use combination of alphabets, numbers and special characters. The Customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.

AU Small Finance Bank Limited undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:

  • Conform to legal requirements or comply with legal process.
  • Protect and defend AU Small Finance Bank Limited or its Affiliates rights, interests or property.
  • Enforce the terms and conditions of the products or services; or
  • Act to protect the interests of AU Small Finance Bank Limited, its Affiliates, or its members, constituents or of other persons.

The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to AU Small Finance Bank Limited or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle AU Small Finance Bank Limited or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

AU Small Finance Bank Limited will limit the collection and use of customer information only on a need-to- know basis to deliver better service to the customers. In this regard the user will give consent to the AU Bank SDK Policy mentioned herewith when they give confirm on Agree & Install option in the AU Bank 0101 App.

In case a user does not agree to the same and still wants to install the app by selecting the disagree option, he will still need to share SMS permission to send and view messages to ensure the SIM card in the phone & registered Phone number match. The send SMS permission is used for meeting the mandatorily required provision by Reserve Bank of India (RBI) rules for security purposes by AU Bank as well as Unified Payment Interface (UPI) authentication.

 

AU Small Finance Bank Limited may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of AU Small Finance Bank Limited and their sub-contractors, but such agents, contractors, and sub- contractors will be required to agree to use the information obtained from AU Small Finance Bank Limited only for these purposes.

  • AU Small Finance Bank will ensure data protection and privacy as required in relevant legislation, regulations, and, if applicable, contractual clauses for each outsourced activity.
  • AU Small Finance Bank will ensure that data identified under following labels are protected based on the policy:
    -Personally Identified Information (PII); and
    -Sensitive private data or information (SPDI)
  • AU Small Finance Bank will ensure that PII/SPDI of an individual are collected only where there is relevant business / regulatory requirement and not shared with a third party without consent from information owner.
  • AU Small Finance Bank will ensure that PII/SPDI collected are classified as confidential and protected in all form as per Bank's IS policy.
  • AU Small Finance Bank will ensure that access to data identified as per this policy are monitored and reviewed.
  • AU Small Finance Bank will provide appropriate trainings to its employees / suppliers to ensure proper handling of bank's data.
  • AU Small Finance Bank will ensure that incidents which involve compromise of personal and sensitive information are considered as privacy incidents and are managed as per Bank's Information Security Incident process.
 
SDK Policy

AU 0101 app has a link to a registered third-party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. If you use the AU 0101 app with agree option, we may use third party SDK’s (viz. CreditVidya etc.), cookies and other similar tracking technologies to improve your app usage experience. We ensure that our third-party service provider takes extensive security measures in order to protect your information against loss, misuse or alteration of the data. Our third-party service provider employs separation of environments and segregation of duties and have strict role-based access control on a documented, authorized, need- to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data. Furthermore, our registered third-party service provider provides hosting security – they use industry- leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions.

Our AU 0101/ AU ABHI app may collect information with your consent from your mobile device like device location, device information (including storage, model, installed apps, Wi-Fi, mobile network) transactional and promotional SMS, communication information including contacts to provide customized offerings. Below information may be collected through the Android app permissions which you have granted us. To this effect, explicit consent screen and the usage of data will be explained on the interface as well.

The data so collected via SDK’s will be used to operate, improve the user’s app experience as well as to send customized marketing & promotional communication and personalized offers.

Details for each permission is elaborated as below:

  1. SMS Transaction Information: AU 0101 app collects/monitors/transmits/syncs/stores SMS data for credit risk assessment, which includes financial and transactional SMS about transactions, name of transacting parties, description of the transaction, amount of transactions to provide the best loan offers. We store this information on our secure servers.
  2. APPS: Collect and monitor list of installed apps on your device for profile enrichment.
  3. Location Information: Collect and monitor information about the location of your device to do risk assessment and ensure your presence within the territory of India.
  4. Device/Phone Information: Collect and monitor specific information about your device including storage, hardware model, operating system and version, unique device identifier, list of installed apps, user profile information, wi-fi information, mobile network information, and information about your device’s interaction with our service to uniquely identify the devices, to ensure that unauthorized devices are not able to act on your behalf and to prevent frauds.
  5. Contacts: Collect contacts information to automatically detect references information for your customized analysis and scoring.
  6. Accounts: Collect and monitor list of accounts on your device for profile enrichment.
In-App Permissions

In-app permission screen (for Android) if you disagree and install the app, then app will ask SMS and Phone permission which is mandatory to be provided in order to meeting the mandatory provision by Reserve Bank of India (RBI) rules for security purposes by AU Bank as well as Unified Payment Interface (UPI) authentication. This also ensures that your registered Phone number matches with the SIM card in your phone. 

Information Sharing

AU Bank will not sell or rent your Information to anyone, for any reason, at any time. However, we will be sharing your Information with our financial partners, affiliates and business partners, and the User hereby consents to the same. We will take reasonable steps to ensure that these third-party service providers are obligated to protect your information and are also subject to appropriate confidentiality/non-disclosure obligations and they comply with the applicable provisions of the data protection laws.