1. Who are covered under this statement?

All persons (natural & artificial) i.e. covered persons whose personal information is either collected/ received/ possessed/ stored/ dealt in/ handled by Cosmos Co-operative Bank Ltd (the Bank) or who visit the site (www.cosmosbank.com) and provide information to the Bank in online mode, are covered under this statement.

2. Information covered by this statement

This statement seeks to cover personal information of the covered persons provided to the Bank as also any information collected by the Bank’s server from the visitor’s browser, it means any of the following:

• Personal/ private information of the covered person
• Sensitive personal data or information

3. Definitions used under this statement

"Personal information" means any information that relates to a covered person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:

• Password
• Financial information such as Bank account/ credit card/ debit card/ other payment instrument details.

Features of the statement:

1. When you visit this website, the Bank may collect personal information about you, either directly (where you are asked to provide the information) or indirectly. While information is the cornerstone of our ability to provide superior services, our most important asset is our customer's 'Trust'. The Bank will only use personal information in accordance with the purposes set forth in this Privacy Statement and is committed to safeguarding the personal information collected following strict standards of security and confidentiality.

2. We will limit the collection and use of customer's personal/ sensitive information to the minimum required to deliver superior services to our customers, which includes advising the Bank's customers about our products, services and other opportunities, and to administer our business.

3. The Bank agrees to safeguard and ensure the security of the information provided by the customer. The Bank uses 256-bit encryption, for the transmission of the information.

4. We will permit only authorised users, who are trained in proper handling of customer information, to have access to said information. Such users who violate the Bank’s Privacy Statement will be subject to our disciplinary action.

5. In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorized activities, the Bank reserves the right to monitor all internet communications including web and email traffic into its domains.

6. The Bank respects the privacy of your personal information. Any personal information provided by you to the Bank through this website will be used solely for the purpose of providing you with the services you have requested at this website and for other related purposes including improving the design and marketing of our range of services and related products for customer use, updating and enhancing the Bank's records, development of web statistics, understanding your financial needs, advising you of other products and services which may be of interest to you and for fraud prevention purposes.

7. The Bank may also share your Information without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. Any information may be required to be disclosed to any third party by us by an order under the law for the time being in force.

8. We will not reveal customer information to any external organization/ third party service providers of the Bank unless we have previously informed the customer in disclosures or agreements, or authorized by the customer, or are required by law. The Bank disclaims any liability arising from use or disclosure of information to any external organization.

9. The customer authorizes the Bank to exchange, share, part with all information related to the details and transaction history of the customers to its financial institutions/ credit bureaus/ agencies/ participation in any telecommunication or electronic clearing network/ banking, credit cards, consumer finance, insurance and securities or as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management.

10. The Bank disclaims any liability for any damage or loss suffered by the customer as a result of sharing of information with any of the parties as mentioned above.

11. The customers shall not disclose to any other person, in any manner whatsoever, any information, relating to the Bank or its group companies, 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 the Bank or its group companies to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

12. It is recommended that the customers necessarily choose their passwords carefully so that no unauthorized 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 (e.g. !, @, #, $ etc.). 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.

13. Data provided by the customers is retained as long as the purpose for which the data was collected continues. The data is then destroyed unless its retention is required to satisfy legal, regulatory or accounting requirements or to protect the Bank's interests.

14. Please note that this Privacy Statement does not extend to third party sites linked to this web site.

15. If Customer wish to access or correct or delete any of their personal data held by us, or if customer have any questions concerning our Privacy Statement please contact customer home branch or email the requirement to: ibhelp@cosmosbank.in.

16. The Bank reserves the right to amend sections of its prevailing Privacy Statement at any time and will place any such amendments on this website. Please check this statement from time to time for any changes. The effective date of this statement, as stated below, indicates the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement. The statement shall be effective from 1st September 2016.

17. The Bank uses cookies. A cookie is a data file that is written by certain Web sites to your computer’s hard drive when you visit such sites. A cookie file can contain information such as a user identification code that the site uses to track the pages you have visited and use the information commercially. We use transient as well as persistent cookies. Persistent cookies are permanently placed on your computer to store non-personal (Browser, ISP, OS, Clickstream information etc.) and profiling information (age, gender, income etc.). While cookies have unique identification nos, personal information (name, a/c no, contact nos etc.) SHALL NOT be stored on the cookies. The Bank is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

18. We will use the information stored in the cookies to improve visitor experience through throwing up relevant content wherever possible. We will also use the cookies to store visitor preferences to ease visitor navigation on the site.

Legal Notice

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. You may download material displayed on the Site for non commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Site for public or commercial purposes, including the text, images, audio, and video without written permission

Copyright (c) Cosmos Co-operative Bank Ltd., All Rights Reserved Copyright of the contents on the displaying pages of this Site and information submitted to bank via this site shall be deemed and remain the property of Cosmos Co-operative Bank Ltd. unless otherwise indicated.

Trademarks

Cosmos Co-operative Bank Ltd and the logo are registered trademarks and service marks.

Use Of Information And Material

The information and material contained on this website should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell any instruments or banking products of Cosmos Co-operative Bank Ltd.

The information and materials displayed on these pages – and the terms, conditions, and descriptions that appear – are subject to change. Not all products and services are available in all geographical areas. Your eligibility for particular products and services is subject to final determination and acceptance by Cosmos Co-operative Bank Ltd. and subject to the contractual terms and conditions on which they are offered.

Disclaimer

The material and information contained on this web site is provided for general information only and should not be used as a basis for making business decisions.

Any advice or information received via this web site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

The information and material available on this website is "as is", "as available". Information is attempted to be kept as up to date as possible. However the Bank does not warrant the same may be prevalent or is in continuum at the time of decision by the user of this site.

Cosmos Co-operative Bank Ltd. accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this web site, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services.

Cosmos Co-operative Bank Ltd. does not guarantee that any e-mails from the web site will be received by Cosmos Co-operative Bank Ltd. nor does Cosmos Co-operative Bank Ltd warrant the privacy and/or security of e-mails during internet transmission.

By Accessing and browsing Cosmos Co-operative Bank Ltd., (the “Bank”) page or by posting, using and/or downloading any content from the same, you irrevocably agree and accept the Terms of Use as set forth below:

1. While all users are expected to comply with these Terms of Use, The Bank does not monitor every content posted on this platform. However, we reserve the right to monitor any and / or all such content, and may remove or have removed any content that in our opinion is inappropriate, obscene or otherwise violates these Terms of Use.

2. By submitting any content, the user/s is/are deemed to have given the Bank an unlimited and irrevocable license to use, execute, show, modify and transmit such content, information, material or comments, including any underlying idea, concept or know-how. The Bank reserves the right to use such information in the way it chooses.

3. The Bank internally disclaims any responsibility for any content available on or through any social media sites, including contents that may be provided by us, submissions necessary to be classified from third parties, and hyperlink embedded in such third party content. Links to third party web sites do not imply any approval or endorsement by the Bank of the linked sites, even if they may contain the Bank’s logo, as such sites are beyond the Bank’s control. Thus, the Bank cannot be held responsible for the content of any linked site or any link contained therein.

4. We reserve the right to remove any content/s including but not limited to posts and/or photographs, and/or videos, regardless of the identity of the person posting such content/s which in the Bank's sole opinion and discretion:

• Violate any federal, state, local and/or international law or regulation.


• Violate another’s copyright, trademark or intellectual property;


• disclose confidential proprietary information of the Bank or its clients,


• are libelous, defamatory, harassing, threatening, obscene, disparaging, or hateful;


• are of a sexual, racial, religious, or other nature involving a protected classification;


• are fraudulent, deceptive or misleading;


• contain spam or are intended to cause technical disruptions to the page;


• condone or promote illegal activity;


• are off topic;

5. Please note that the Bank does not endorse any opinion/s on this page which are not specifically posted by it. Additionally, the Bank is not responsible for the accuracy of the claims, information, advice or comments posted by followers and visitors of the page. Anyone repeatedly posting material that falls into the above categories will be removed and banned from participating on social media page.

6. The Bank will not be liable for any damages, direct, indirect, consequential or incidental, including but not limited to loss of profits or revenues, business interruption, loss of data arising out of or in connection with the dependence on any content posted on this platform.

7. If any provision of these Terms of Use is held by a court to be illegal, invalid or unenforceable, the remaining provisions shall remain in full force and effect.

8. The Bank reserves the right to change above Terms of Use at any time and without any prior notice. Upon the use of the page, the visitor will be automatically bound by these modifications and shall read the Terms of Use periodically.

9. Effective 31 August, 2015 this policy shall apply to all the content/s posted on various social media channels of the Bank (e.g. Facebook, LinkedIn, Twitter, YouTube and Blog or any other social media that may be introduced in future) by any social media provider.

Introduction

Cosmos Bank values and respects the privacy of the people and personal information we deal with. Cosmos Bank is committed to protecting privacy and complying with the applicable privacy laws and regulations. This Privacy Policy (Policy) describes how we collect, hold, use, and disclose personal information, and how we maintain the quality and security of personal information.

COSMOS CO-OP. BANK Ltd. (“Bank” / “our” / “we” / “us”) is strongly committed to protect the privacy of its users personal information and sensitive personal data or information, including information that is of a confidential nature (“Customer Information”) belonging to the customers, potential customers, and other users of the Services (“Customer/s”/ “Users”) and has taken all necessary and reasonable measures to protect the confidentiality of the user information and its transmission through its Digital Platform 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 users.

1. Scope

This policy applies should be all our employees, contract laborers, vendors, customers, account holders, consumers, clients, service providers, contractors, sub-contractors, affiliates, and their clients.

This Privacy Policy (“Policy”) is applicable to all the services availed via our Digital platforms including bank website (https://www.cosmosbank.com), Internet Banking service, all mobile banking applications and /or all online services, the mobile site/applications offered by us or other point of sales, third party platforms, or through communications, by electronic means or otherwise, or any other mode / Platform, with regards to subscription, refunds or cancellation policy or any other Policy introduced by us from time to time (“Services”).

2. Information classification

Information can be broadly categorised as publicly available information and non-public (both personal and financial) information. Non-public information is covered under this privacy policy. Publicly available information is any information Bank reasonably believes is lawfully publicly available. The nature of the information, not the source of the information, determines whether it is publicly available information for purposes of the privacy policy.

Personal information includes any information or opinion, about an identified individual or an individual who can be reasonably identified from the information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have kept a record of it.

Bank may collect, receive, possess, store, use, deal, handle, transfer, retain and otherwise process Customer information which may include Customer name, signature, email addresses, phone numbers, addresses, KYC/identity documents as may be prescribed by Regulatory Authorities from time to time (Biometric data (information such as your fingerprint, etc which you choose to provide to the Bank for authentication and fraud prevention purposes and the same will not be used without the user’s explicit consent.), communications with the Bank, device and location data (which includes information that may be collected by certain mobile applications which identify your physical location. This information may be collected from your mobile device’s location aware features when the user requests certain services that are dependent on your physical location, information about how you use our Services, financial information etc.

For the purpose of this Policy: “Digital Platform” shall include our mobile application i.e. COSMOS Internet Banking, COSMOS Mobile Banking app, applications through Bank’s or any merchant’s or TPAP’s channel or application, that the Bank as a PSP Bank received transaction data and POS devices or any other application, software, Payment Gateway, etc. which may be developed or hired by the bank from time to time.

3. Type of personal information collected and processed.

We collect information that is necessary to be able to properly identify customers, to understand their requirements, expectations, and instructions to provide those products or services. We, including our service providers, may monitor, record electronically, and retain telephone conversations and electronic communications between customers (including anyone acting on your behalf) and us. We have electronic surveillance systems like closed circuit TV and video recording of certain sensitive locations where your images may be captured.

Other Online Information We Collect and Use, such as:

Cookies: Cookies are pieces of data stored directly on the device/browser you are using when you visit our website. we may read cookies to collect information such as browser type, date and time spent on our website, and pages visited. Information collected through cookies may be used for security purposes, to facilitate navigation, to display information more effectively, to personalize and enrich your experience, to recognize your device, gather statistical information about the usage of the website, to monitor responses to our advertisements and to assist us with resolving website questions.

The cookies in your computer cannot read your hard drive, obtain any information from your browser, or command your computer to perform any action. They are designed so that they cannot be sent to another site or be retrieved by any non-Cosmos web server. Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser. You can disable use of cookies through your browser settings. In this case our services may not be optimally effective.

IP Address: Your IP Address is a number that is automatically and dynamically assigned to the device that you are using by your Internet Service Provider (ISP) or it is statically obtained by you. An IP Address is identified and logged automatically in our server log files whenever a user visits the website, along with the time of the visit and the page(s) that were visited. We use IP Addresses for keeping activity logs and having forensic capabilities if required for investigation purposes.

Details of device used for online banking: For secure online banking we provide you the facility of multifactor authentication. One of the factors can be the endpoint devices used by you to do the banking. For security reasons, we obtain the endpoint details to bind it to your account so that this endpoint device acts as a second factor.

Private Security Keys: For security reasons we may use PKI based authentication / digital certificate technologies. We may place a private key on your PC or mobile device to help us identify you or the device as belonging to you.

Biometrics: We may use some customer biometric information like fingerprint, facial, or eye biometric information or behavioural biometric like how you use keyboard, mouse, or move your finger on the screen etc.

We never ask for the information like passwords, PIN (Personal identification No.), OTP (One-time passwords), card numbers, CVV / CVC and expiry date from anyone. We advise all not to share this with anyone including Bank officials nor keep it in any readable form.

We advise you not to disclose the information about date of birth, Aadhaar No, driving license number, PAN, passport no, account number and balance, address to anyone without a valid reason and reasonable assurance that the information would not be misused.

Personal Data: Personal Data may be classified as Personal Data – personally identifiable information, Sensitive Personal Data or information and non-Personal information which is described as follows:

i. “Personal Data” – (Personally identifiable Information) refers to data that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, online applications, or similar online fields. Examples may include your name, previous names, postal address, email address, telephone number, date of birth or account information.

ii. “Sensitive Personal Data or Information” – Information such as user’s occupation (whether self employed or employed by someone) and financial situation, name and address of the employer, the nature and volume of anticipated business dealings, with the conventional bank licensee, income proof, bank statements, income tax returns, salary slip, contract of employment, passbook, debit/credit card details, expenditures, assets and liabilities, source of wealth, signature, as well as other bank account details Sensitive Information also refers to the Financial information such as Bank account or debit card or other payment instrument details; passwords; Government issued Identification documents such as AADHAAR, Pan Number, Driving Licence etc.. 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 be regarded as sensitive personal data or information for these purposes.

Sensitive Personal Data such as gender, medical records, and history of the user; Personal Data that users provide to the Bank about others or others provide to the Bank about the user.

iii. Non-Personal Information – It is the information that cannot be used to identify the user such as the webpages that the user might have viewed and other usage patterns.

iv. Transaction Data – Data we collect when you make financial and non-financial transactions. Data may include information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geo location Information. Generation and storing user password/s or PIN in an encrypted format based on user request on our Digital Platform.

v. Device Information – Unique device identifier such as IMEI number, contact lists (in some cases), technical data about your computer and mobile device including details regarding IP address, applications, and usage details.

Use of our Digital Platform shall mean visiting a Digital Platform owned and /or controlled and/or operated by or for the Bank including to access your accounts, conduct online transactions, etc.; viewing or clicking on our advertisements, posts, on third party sites that redirect you to our Digital Platforms; interacting with us on third party sites, etc.

Subscription Management and Cancellation:

Upon subscribing to the Digital Products of Cosmos Cooperative Bank Ltd. the Customer hereby accepts the terms and conditions describing the products and in accordance thereto accepts the following:

i. Payments: In consideration of the Services and the usage of the Product, the Customer shall pay the fees as per the agreed terms and conditions as specified in the respective application form duly accepted by the Customer and notified to the Customer from time to time.

ii. Cancellation and refund requests: In the event, if the payment against Invoices has not been made by the Customer within the stipulated time, the services intended to be availed by the Customer shall be discontinued. All requests for cancellation of subscription and refund should be raised only via the customer support helpline provided. Cancellation and refund requests raised through any other mode of communication will not be considered for a refund.

The user authorizes the Bank to exchange, share, part with all information related to the details and transaction history of the users to its Affiliates / banks / financial institutions / credit bureaus / agencies / participation / service providers in any telecommunication or electronic clearing networks as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Bank liable for use or disclosure of this information.

Updating the Policy:

Bank may periodically review and update this Privacy Policy, by using our services after such update, the User consents to updates made to this Privacy Policy. We encourage the user to read this Privacy Policy for the latest information on our privacy practices.

Authority:

The Board of the Bank has approved this policy. Any change to the Policy shall be effective only after approval of the Board.

User’s acceptance of this Policy:

User’s acceptance of this Policy: The Bank respects user’s wishes. By using or visiting this Site and/or using any of the Bank’s application, the user signifies his assent to this policy. In the event the user disagrees with any of terms and/or conditions contained in this policy, the user is advised not to use this site or any applications of the Bank.

Contacting Us:

We understand that you may have questions about this Privacy Policy on how we process or handle your customer Information or may otherwise want to understand.

Mobile Applications - Cosmos mobile banking applications allows you access to your account balances, transfer funds, pay bills, and make deposits on your mobile device. This Policy applies to any personal or other information that we may collect through the mobile application.

Unique device identifier such as IMEI number, contact lists (in some cases), technical data about your computer and mobile device including details regarding IP address, applications, and usage details.

Use of our Digital Platform shall mean visiting a Digital Platform owned and operated by or for the Bank including to access your accounts, conduct online transactions, etc.; viewing or clicking on our advertisements, posts, on third party sites that redirect you to our Digital Platforms; interacting with us on third party sites, etc.

vi. Other information

User’s photographs.

Social relationship details such as name of user’s father, spouse, or mother; Behavioural details as to how the user utilises the Bank’s products, services, offers, etc, as well as the browsing action, online patterns and activity of the user; Records of correspondence and other communications between the Bank and the user, including email, telephone conversations, live chat, instant messages and social media communications containing information concerning user’s grievances, complaints and dispute; And any other information as may be required under regulatory guidelines issued from time to time

4. Sources of information collected.

To help us serve your financial needs, provide services, and offer new products and services to you, we collect personally identifiable information about you from:

• Information you disclose when you visit our branch/office or our website.
• Information you disclose on phone or direct conversation or through email.
• Information we receive from you on online applications, forms, and instructions.
• Information we receive from you from the written documents submitted to us.
• Information about your transactions with us, our affiliates, and others.
• Other organizations, who jointly with us, provide products or services to you.
• Information we receive from Govt. organizations like UIDAI etc.
• Information we receive from consumer reporting agencies.
• Publicly available sources of information, such as public registers.
• Your representatives (including your legal adviser, mortgage broker, financial adviser, executor, administrator, guardian, trustee, solicitor or attorney);
• Your employer.

Commercial information service providers, such as companies that provide fraud prevention reports, credit scores, land records etc; We won't ask you to supply personal information publicly over Facebook, Twitter, or any other social media platform or any public site in internet.

5. Purpose to collect, hold, use, and disclose personal information.

The purposes are:

• to evaluate your eligibility for accounts, loans, and other products and services for which you apply.
• to respond to your inquiries and fulfil your requests.
• to administer, manage and service your accounts, products, and services.
• to send you marketing communications on products and services that we believe may be of interest to you, and/or to prequalify you for such products and services.
• to personalize your experience on our website by presenting products and offers tailored to you.
• to verify your identity to allow you online access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your account and personal information.
• to facilitate your transactions.
• to send you important information about your account(s), products, and services.
• to comply with applicable law and regulation, other legal process, and law enforcement requirements; and
• for our business purposes, such as data analysis, audits, developing new and improving our existing products and services, enhancing our website, identifying usage trends, and determining the effectiveness of promotional campaigns.

To offer our products and/or services to the user which the user may have applied for or displayed interest in.

The data that we collect helps us to know whether the user is eligible for the products and/or services offered by the Bank.

To provide the user with products or services that the user has requested such as, fulfilling a payment request or any other transaction.

The Personal Data that the Bank collects helps the user to apply for the products offered by the Bank such as prequalifying for a loan, opening an account, insurance or any other financial product offered by the Bank.

By collecting the user data, the Bank can respond to the user’s enquiries and/or queries and address the requests made by the user.

The Bank endeavours to personalise user’s experience on our Digital Platform.

To deliver marketing communications that may interest the user.

To inform any important information with respect to our Digital Platform, any change in the terms and conditions and/or policies and/or other relevant administrative information.

In order to perform our obligations under the KYC norms (e.g., sharing user information with third parties to verify details provided by the user to the Bank such as, your identity, in view of authenticating the user and verifying user information;

Your personal data allows the Bank to perform activities such as, audits, usage trends and improving our products and services, enhancing the Digital Platform.

Your personal data also allows us to detect, prevent and control fraud, in accordance with the prevailing laws and regulations and to comply with any other legal process and/or law enforcement requirements.

To allow the user to utilise the features on our Digital Platform by granting us access to the information from user device such as contact lists or geo-location, when you request certain services from the Bank.

To use in other ways in accordance with the law or with the consent of the user as required or permitted; with a view to manage Bank’s relationship with you.

To prevent and/or detect any crime such as, financing terrorist activities and/or human

trafficking. For security, business continuity and risk management.

For protection of any legal rights and in compliance with any legal obligations. For

system and/or product development and planning, audit, and administration, etc.

For the purpose of entering into any contract with the user and/or to take steps pursuant to user’s request prior to entering into any contract.

In view of meeting the legitimate interests to be pursued by the Bank or a third party.

In order to evaluate the user with respect to the products and/or services and the referred products.

For the purpose of scrutinising user’s credit score and other credit information with a view to share the said information with credit information companies, for the purpose of offering cross-sell services and products of the Bank and offering the same to you through various third-party merchants or service providers with whom the Bank has a tie up.

6. Storage of personal information

Much of the personal information we hold are stored electronically in our data centre or with our trusted partners. This data centre is in India. Also, personal information is stored in paper forms. We use a wide range of security measures, to protect the personal information we hold.

Protecting Your Information, Integrity, Confidentiality, and Security

We protect information we collect about you by maintaining physical, logical, administrative, electronic, and procedural safeguards. These safeguards restrict access to your confidential information to only authorized personnel with specific need to access and utilize your information.

We train our employees on how to handle your information to maintain confidentiality and privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with law and industry level best practices. These measures include computer and system safeguards, strong access controls, network and application controls, security policies, processes, trained personnel and secured repositories and buildings etc. We regularly monitor and review our compliance with internal policies, regulatory guidelines, and industry best practice. We educate our employees to protect the information. The same policy applies to our trusted partners through contracts and agreements. We take reasonable steps to destroy or permanently de-identify any personal information after which it can no longer be used.

Who do we disclose your personal information to, and why? Categories of Third Parties with Whom Cosmos bank May Share Information Cosmos shares personal information with third-parties only as permitted and required by law, as per Bank’s approved guidelines and your consent in connection with the administration, processing, and servicing of account and account-related transactions, in order to perform services for you and on your behalf, for example, credit reporting agencies, bill payment processors, credit, debit and ATM card processing networks, data processing companies, insurers, marketing and other companies in order to offer and/or provide financial products and services to you, and in response to legal or regulatory requirement, court order and/or other legal process or investigation.For all third-party outsourcing of services, the information is shared and used as per the service level agreement and non-disclosure agreement.

To be more specific the information may be shared with the following:

our agents, contractors, valuers, solicitors, and external service providers.

• Authorised representatives and agents who sell products and services on our behalf.
• Insurers, re-insurers, and health care providers.
• Payment systems operators (for example, merchants receiving card payments)
• Other organisations, who jointly with us, provide products or services to you.
• Other financial services organisations, including banks, mutual funds, stockbrokers, custodians, fund’s managers, and portfolio service providers.
• Debt collectors;
• our financial advisers, legal advisers, or auditors.
• Your representatives (including your legal heirs, legal adviser, accountant, mortgage broker, financial adviser, executor, administrator, guardian, trustee, or attorney)
• Fraud bureaus or other organisations to identify, investigate or prevent fraud or other misconduct.
• Agencies providing credit scores; Govt. agencies for verification of land records etc.
• External dispute resolution schemes.
• Regulatory bodies, government agencies and law enforcement bodies in any jurisdiction.
• We are required or authorised by law or where we have a public duty to do so.
• Your express instructions or consent to the disclosure with specific entities.
• Any act or regulation which forces us to disclose the information to any specified entity; law enforcement and judicial entities.
• For international transactions, such as currency exchanges, we may need to disclose your information to the corresponding international party to process the transaction. The countries we disclose your information will depend on the details of the transaction you ask us to carry out.

Advertising and Marketing

We use your personal information to offer you products and services we believe may interest you, but we will not do so if you tell us not to. These products and services may be directly offered by the Bank or an outsourced service provider for the Bank. The products and services may be offered by various means, including by mail, telephone, email, SMS, or other electronic means, such as through social media or targeted advertising etc. If you prefer that Bank should not send you advertisements and other marketing information you can opt-out by calling our help desk number or opting out of the campaign by replying to the email.

Links to Other Websites

We may provide links to other website. Within our websites, there may be embedded applications, plug-ins, widgets, as well as links to third-party sites that may offer you goods, services, or information. Some of these sites may appear within our site. When you click on one of these applications, plug-ins, widgets, or links, you will leave our site and will no longer be subject to Cosmos Privacy Policy and privacy practices. We are not responsible for the information collection practices of the other sites that you visit, and we urge you to review their privacy policies before you provide them with any non-public information about you. Third-party sites may collect and use information about you in ways that are different from Cosmos Bank privacy policy. Thus, if you follow links to websites not controlled by the Bank, you take the responsibility of reviewing their privacy policies and other terms and provide your information, as they may be different from our website and Cosmos will not be liable for any disclosure of information resulting from such activity.

Resolving your concerns about your information

If you are concerned about how your personal information is being handled or if you would like to make a complaint, please contact us. We will handle your complaints in a time bound manner. You may also inform the Bank authorities.

Hyper Link policy:

Clicking on and browsing any hyper link to other Internet sites is at customer's own risk, the contents of which and the accuracy of opinions expressed are not verified, monitored, or endorsed by COSMOS in any way or manner.

COSMOS is not responsible for the setup of any hyperlink from a third-party website to COSMOS's website.

Any links so set up shall not constitute any form of co-operation with, or endorsement by, COSMOS of such third-party website.

Opting out of Information Sharing:

You (a consumer, customer, account holder etc.) cannot opt out of all information sharing in all cases. You cannot opt out of information sharing with others where it is required to service you and your interest, market Bank’s service and products, market services and products of affiliated companies, protect against fraud, protect national interest, judicial or law enforcement orders and Govt. orders and such processes etc. Bank can stop sharing of your information with anyone to comply with orders of competent authorities, to protect its interest or the interest of its affiliate companies.

Terminated Relationships:

If your Bank account relationship is terminated, we will not share information we have collected about you, except as permitted or required by law. We will irretrievably destroy the information after the limitation period as mandated by law or court order.

Protecting Children's Privacy:

The same policy applies to minor account holders.

Cosmos Bank is not liable for :

Any loss or damage arising out from the use of this data. Any errors or omission in this information

Disclaimer

You might have provided the same non-public information to other entities without the knowledge or permission of Cosmos. Cosmos will not be held liable for disclosure or sharing of such information from these sources.

The information & material content on this website is intended for general understanding of Cosmos Bank and to help the public to get better exposure to information about the Bank and various products and services offered by the Bank.

Persons desiring to have additional information may contact Bank.

information and material contained herein is subjected to change from time to time.

Cosmos Bank is not liable for:

Any loss or damage arising out from the use of this data.

Any errors or omission in this information