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PRIVACY AND CONFIDENTIALITY

We will treat all your personal information as private and confidential [Even when you are no longer a customer], and shall be guided by the following principles and policies. We will not reveal information or data relating to your accounts, whether provided by you or otherwise, to anyone, including other companies / entities in our group, other than in the following exceptional cases:  

a. If we have to give the information by law.

b. If there is a duty towards the public to reveal the information. 

c. If our interests require us to give the information (for example, to prevent fraud) but we will not use this as a reason for giving information about you or your accounts [including your name and address] to anyone else, including other companies in our group, for marketing purposes.

d. If you ask us to reveal the information, or if we have your permission, in writing.  

e. If we are asked to give a banker's reference about you, we will need your written permission before we give it.

We, will explain to you the extent of your rights under the existing legal framework for accessing the personal records that we hold about you.

We will not use your personal information for marketing purposes by anyone including ourselves unless you specifically authorize us to do so.

Credit Reference Agencies  

a. We will explain to you the role of Credit Reference Agencies (CRA) as also the checks we may make with them and the effect the information they provide can have on your ability to get credit.  

b. Information about credit availed from us is reported by us to the CRA on a monthly basis.

c. Information reported to CRA will also include personal debts you owe us even when : 

  i. You have fallen behind with your payments

  ii. The amount owed is in dispute

  iii. You have made proposals which we are not satisfied with.

d. If your loan account has been in default, and thereafter regularised,  we will take steps to update this information with the CRA in the next monthly report. 

e. When you apply for credit facility from us, we will on request, and  on payment of prescribed fee, furnish you a copy of the credit information obtained by us from the CRA.