THE SAHYOG MUTUALLY AIDED CO-OPERATIVE THRIFT AND CREDIT SOCIETY LIMITED.

The Sahyog Mutually Aided Co-operative Thrift and credit Society Ltd.,(herein after referred as“Society “ where ever possible) respects privacy and is committed to recognize the expectations ofits members with regard to privacy, confidentiality and security of their personal information that resides with the Society. Keeping personal information of members secure and using it solely for activities related to the Society and preventing any misuse thereof is a top priority of Society.

Society has adopted the privacy policy aimed at protecting the personal information entrusted and disclosed by the Members. This policy outlines how society collect, store and protect its member’s personal information.

INFORMATION WE COLLECT

“Personal information” means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Society, is capable of identifying such person.
• KYC Documents submitted
• Financial information such as Bank account or credit card or debit card or other payment instrument details.
• Password(s)/OTPs

Provided that, any information that is freely available or accessible in public domain or furnished under the right to information act, 2005 or any other law for the time being in force shall not beregarded as sensitive personal data or information for the purposes of this policy.

APPLICABILITY

This Policy is applicable to personal information and KYC Documents submitted and sensitive personal data or information collected by the Society directly from the Member, collected by the Society’s server from the Member’s browser.

PURPOSE OF COLLECTION AND USE OF PERSONAL INFORMATION

The Society collects and uses the financial information and other personal information from its members. This information is collected and used for specific business purposes or for other related purposes designated by the Society or for a lawful purpose to comply with the applicable laws and regulations. The Society shall not divulge any personal information collected from the Member, for cross selling or any other purposes.

The User authorizes Society to exchange, share, part with all information related to the details and transaction history of the User to its Affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold Society liable for use or disclosure of this information. All Information collected shall be used for the relevant lawful purposes connected with various functions or activities of the Society related to services in which the User is
interested, and/or to help determine the eligibility of the User for the product/services requested/ applied/ shown interest in and/or to enable Society the User verification and/or process applications, requests, transactions and/or maintain records as per internal/legal/regulatory requirements and shall be used to provide the User with the best possible services/products as also to protect interests of the Society.

The authenticity of the personal information provided by the Member shall not be the responsibility of the Society.

DISCLOSURE OF PERSONAL INFORMATION
The personal information collected by the Society shall not be disclosed to any other organization except:

Where the disclosure has been agreed in a written contract or otherwise between the Society and the Member;

• where the Co-Operative Society is required to disclose the personal information to a third party on a need-to-know basis, provided that in such case the Society shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of the Bank.

GRIEVANCE REDRESSEL

In order to address any discrepancies or grievances related to the personal information residing with the Society, the Member may
contact:____________________

Notice of Change
This privacy policy may be updated from time to time. Any changes will be posted on this page with a revised effective date. We recommend reviewing this policy periodically.

COOKIE POLICY

The Society’s digital platforms use various third-party services to promote Co-Operative’s products and services. These third-party services use cookies to enhance your browsing experience and understand website traffic patterns. Cookies are used for lots of tasks like remembering your preferences & apps; settings, providing a personalized browsing experience, and analysing site operations. These cookies collect information about how users use a website, for instance, how often visited pages. All information collected by third-party cookies is aggregated and anonymous. By using our website, users agree that these types of cookies can be placed on his/her device. Users are free to disable/delete these cookies by changing his/her device/browser settings. The Society is not responsible for cookies placed on the device of users by any other website and information collected thereto.

What are cookies?

Cookies are text files containing small amounts of information, which your computer or mobile device downloads when you visit a website. When you return to websites — or visit other websites that use the same cookies — they recognise these cookies and therefore your Browse device.Cookies perform various functions, such as helping us understand how this website is being used, enabling efficient navigation between pages, remembering your preferences, and generally improving your Browse experience. Cookies can also help ensure marketing you see online is more relevant to you and your interests.

You can learn about the cookies we use and how to manage them below.

What type of cookies our Society uses?

The types of cookies used on most websites generally fall into 1 of 5 categories: Strictly Necessary, Performance, Functionality, Targeting, and Advertising.

• Strictly Necessary Cookies: These cookies are essential as they enable you to move around the website and use its features, such as accessing secure areas. Without these cookies, services you’ve asked for can’t be provided. These cookies don’t gather information about you that is used for marketing or remembering where you’ve been on the internet.

• Performance Cookies: These cookies collect information about how you use a website, for example, which pages you visit most often and if you encounter error messages from certain pages. These cookies don’t gather information that identifies you. All information these cookies collect is anonymous and is only used to improve how a website works. These cookies are not used to target you with online marketing. Without these cookies, we cannot learn how our website is performing and make relevant improvements that could enhance your Browse experience.

• Functionality Cookies: These cookies allow a website to remember choices you make (such as your username, language, or the region you’re in) and tailor the website to provide enhanced features and content for you. Without these cookies, a website cannot remember choices you’ve previously made or personalize your Browse experience.

• Targeting Cookies: These cookies are used to tailor marketing to you and your interests. They are also used to limit the number of times you see an advertisement, as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website, and this information may be shared with other organizations such as advertisers. Although these cookies can track your visits to other websites, they don’t usually know who you are. Without these cookies, online advertisements you encounter will be less relevant to you and your interests.
• Advertising Cookies: Advertising cookies, also known as tracking cookies or third-party cookies, are small text files stored on your device by websites you visit. They are used to track your Browse behavior, interests, and demographics to deliver targeted advertisements.

What happens if I disable cookies?

If cookies are disabled on your computer, tablet, or mobile device, your experience on the website may be limited. For example, you may not be able to browse freely or use specific functions or features.

How do I disable/enable cookies?

To disable or enable cookies, you will need to change some settings on your Internet browser. We have provided step-by-step guides for major desktop browsers below. For information on how to manage cookies on your tablet or mobile, please consult your device’s documentation or online help files.

• Google Chrome:
o In the settings menu, select ‘show advanced settings’ at the bottom of the page.
o Select the ‘content settings’ button in the privacy section.
o The page that appears allows you to manage and/or clear stored cookies.

• Firefox:
o In the menu, select ‘options’.
o Select the privacy tab in the options box.
o From the dropdown, choose ‘use custom settings for history’. This will present the options for cookies, and you can choose to enable or disable cookies.

• Internet Explorer 6+:
o In the tools menu, select ‘Internet options’.
o Click the privacy tab.
o You will see a privacy settings slider which has six settings that allow you to control the number of cookies that will be placed: Block All Cookies, High, Medium High, Medium (default level), Low, and Accept All Cookies.

• Safari:
o In the settings menu, select the ‘preferences’ option.
o Open the privacy tab.
o Select the option you want from the ‘block cookies’ section.

• Any other browser:
o For information on how to manage cookies via other desktop browsers, please consult your documentation or online help files.

What happens to cookies that have been downloaded in the past?

If you’ve disabled cookies through your browser, we may still use information collected from existing cookies, but we’ll stop using the disabled cookies to gather any further information. For information on deleting stored cookies in your browser, please visit the All About Cookies website.