Privacy Policy

Aditya Anagha Multi-State Credit Co-operative Society Ltd. ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us.

By accessing our website or using our services, you consent to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

We collect information that you provide directly to us, including:

• Personal identification information (name, date of birth, PAN, Aadhaar, address, contact details)

• Financial information (account details, transaction history, income details)

• Employment and business information

• Documents submitted for account opening, loan applications, or other services

• Information collected automatically when you visit our website (IP address, browser type, device information, cookies)

• Information from third-party sources (credit bureaus, verification agencies)

We use the collected information for the following purposes:

• To provide, maintain, and improve our financial services

• To process applications for accounts, loans, deposits, and other products

• To verify your identity and conduct due diligence as required by law

• To comply with regulatory requirements and legal obligations

• To communicate with you about your accounts, transactions, and services

• To send you important notices, updates, and promotional materials (with your consent)

• To detect, prevent, and address fraud, security, or technical issues

• To analyze usage patterns and improve our website and services

We do not sell your personal information. We may share your information only in the following circumstances:

• With regulatory authorities, government agencies, or as required by law

• With credit bureaus and verification agencies for credit assessment

• With service providers who assist us in operations (under strict confidentiality agreements)

• With our auditors, legal advisors, and consultants (under professional obligations)

• In case of mergers, acquisitions, or business transfers (with prior notice)

• With your explicit consent for any other purpose

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption of sensitive data in transit and at rest

• Secure access controls and authentication mechanisms

• Regular security audits and vulnerability assessments

• Employee training on data protection and confidentiality

• Compliance with industry standards and regulatory guidelines

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected

• Comply with legal, regulatory, and accounting requirements

• Resolve disputes and enforce our agreements

• Maintain records as required by cooperative society laws and banking regulations

After the retention period, we securely delete or anonymize your information.

You have the following rights regarding your personal information:

• Right to access: Request copies of your personal data

• Right to rectification: Request correction of inaccurate or incomplete data

• Right to erasure: Request deletion of your data (subject to legal requirements)

• Right to restrict processing: Request limitation on how we use your data

• Right to data portability: Request transfer of your data to another service provider

• Right to object: Object to processing of your data for certain purposes

• Right to withdraw consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the details provided in Section 9.

Our website uses cookies and similar tracking technologies to:

• Enhance user experience and functionality

• Analyze website traffic and usage patterns

• Remember your preferences and settings

You can control cookies through your browser settings. However, disabling cookies may affect website functionality.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website

• Sending you an email notification (if you have provided your email)

• Displaying a notice on our website

Your continued use of our services after such changes constitutes acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Aditya Anagha Multi-State Credit Co-operative Society Ltd.

Plot No. 379, Ganesh Nagar, Azamshah Layout,

Nagpur – 440009, Maharashtra, India

Phone: 0712-2743550

Email: info@adityaanagha.com

We will respond to your inquiries within a reasonable timeframe.