Privacy Policy – YHM Bank Ltd

1. Introduction
YHM Bank Ltd (“the Bank”, “we”, “our”, or “us”) is committed to protecting the privacy and confidentiality of personal and financial information of its customers, users, and visitors (“you” or “user”). This Privacy Policy explains how we collect, use, store, and share your information when you use our website, mobile application, or other banking services (collectively referred to as “the Platform”).

By accessing or using the Platform, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the Platform immediately.

2. Information We Collect
We may collect the following types of information:

• Personal Information: Name, date of birth, gender, contact details (email, phone number), residential and correspondence address, government-issued identification numbers (such as Aadhaar, PAN), and other KYC-related information.

• Financial Information: Bank account details, transaction history, credit/debit card details, loan information, account balances, and investment details.

• Technical Information: IP address, device information, browser type, operating system, location data, and usage patterns on the Platform.

• Communication Information: Information from customer service interactions, emails, chat messages, or feedback forms.

3. How We Use Your Information
We use your information for the following purposes:

• To provide banking products and services efficiently and securely.

• To verify your identity, process transactions, and maintain account security.

• To communicate important updates, alerts, offers, or notifications regarding services.

• To comply with regulatory, legal, and statutory requirements.

• To improve our Platform, services, products, and customer experience.

• To detect, prevent, and address fraud, unauthorized transactions, or other security risks.

4. Sharing Your Information
We do not sell or rent your personal information to third parties. However, we may share your information with:

• Regulatory Authorities: As required by law, RBI guidelines, or other statutory obligations.

• Service Providers: Third-party vendors, payment gateways, technology providers, and business partners for processing services on our behalf.

• Legal Requirements: In response to lawful requests, legal proceedings, or to protect the Bank’s rights, property, or safety.

5. Data Security
We implement industry-standard physical, technical, and administrative measures to safeguard your information against unauthorized access, loss, misuse, or disclosure. However, no online platform is 100% secure, and we cannot guarantee absolute security. You are responsible for protecting your account credentials, passwords, and OTPs.

6. Data Retention
Your information will be retained only as long as necessary to provide services, fulfill legal obligations, resolve disputes, or enforce agreements. Once the retention period expires, we securely delete or anonymize your data.

7. Cookies and Tracking Technologies
We may use cookies, web beacons, and similar technologies to enhance user experience, analyze trends, track user activities, and improve the Platform. You may configure your browser to refuse cookies, but this may limit certain functionality.

8. User Rights
Depending on applicable laws, you may have the right to:

• Access, correct, or update your personal information.

• Request deletion or restriction of processing of your data.

• Object to certain data processing activities.

• Withdraw consent where applicable.

To exercise your rights, please contact our Data Privacy Officer at privacy@ybl.org.in.

9. Third-Party Links
The Platform may contain links to third-party websites or services. YHM Bank Ltd is not responsible for the privacy practices or content of such third parties. Users are encouraged to review the privacy policies of any third-party sites they visit.

10. Changes to This Privacy Policy
YHM Bank Ltd reserves the right to update or modify this Privacy Policy at any time without prior notice. Changes will be effective immediately upon posting on the Platform. Users are encouraged to review this Privacy Policy periodically.

11. Contact Us
If you have questions, concerns, or complaints regarding this Privacy Policy or your personal data, please contact us:

• Email: privacy@ybl.org.in

• Phone: 1800 313 9898

• Address: Daboka Gonipur Hojai Assam 782440