The Kachchh District Central Co-Operative Bank Ltd.
The Kachchh District Central Co-operative Bank Ltd. is the data controller of your personal information.
We collect the personal information set out in the “What Information We Collect” section of this Privacy Policy below, including account registration details, Additional details when you enroll for a Learning Program, details of online Learning Programs you undertake, survey information (where you provide it), identity verification data and information about your use of our site and services.
WWe use your personal information for the purposes set out in the “How We Use the Information” section of this Privacy Policy below, including providing our site and services to you, ensuring the security and performance of our site, research relating to academic courses, sharing information with our partners (such as academic institutions), direct marketing and performing statistical analysis of the use of our site and services.
You have a number of rights that you can exercise in relation to our use of your personal information, as set out in the “Updating or Deleting Your Personally Identifiable Information” section of this Privacy Policy below.
All the terms used herein shall have meaning as defined in the Terms and Conditions of The Kachchh District Central Co-operative Bank Ltd. unless specifically stated otherwise in case any term is not defined in this Privacy Policy or the Terms and Conditions, such terms shall have its generic meaning.
The purpose of this Privacy Policy is to describe how The Kachchh District Central Co-operative Bank Ltd. and other affiliate entities as and when created (hereinafter referred to as “The Kachchh District Central Co-operative Bank Ltd.”, “we”, “us”, or “our”) collects, uses, and shares information about you through our online interfaces (e.g., websites and mobile applications) owned and controlled by us, including www.ajmsbank.com (collectively referred to herein as the “Site”). Please read this notice carefully to understand what we do. If you do not understand any aspects of our Privacy Policy, please feel free to contact us at legal@thekachchhdccb.co.in Your use of our Site is also governed by our terms and conditions.
The purpose of this Privacy Policy is to describe how The Kachchh District Central Co-operative Bank Ltd. and other affiliate entities as and when created (hereinafter referred to as “The Kachchh District Central Co-operative Bank Ltd.”, “we”, “us”, or “our”) collects, uses, and shares information about you through our online interfaces (e.g., websites and mobile applications) owned and controlled by us, including www.ajmsbank.com (collectively referred to herein as the “Site”). Please read this notice carefully to understand what we do. If you do not understand any aspects of our Privacy Policy, please feel free to contact us at legal@thekachchhdccb.co.in Your use of our Site is also governed by our terms and conditions.
The Kachchh District Central Co-operative Bank Ltd.is a registered business, with principal place of business at: ‘Vijaynagar Char Rasta Hospital Road, Bhuj-Kachchh. Pin:370001.
The Kachchh District Central Co-operative Bank Ltd. is the data controller of all Personally Identifiable Information (as defined below) collected via the Site and of certain Personally Identifiable Information collected from third parties, as set out in this Privacy Policy.
This Privacy Policy covers information we collect from you through our Site. Some of our Site’s functionality can be used without revealing any Personally Identifiable Information, though for features or services related to any Learning Programs, Personally Identifiable Information is required. In order to access certain features and benefits on our Site, you may need to submit, or we may collect, “Personally, Identifiable Information” (i.e., information that can be used to identify you). Personally, Identifiable Information can include information such as your name and email address, among other things. You are responsible for ensuring the accuracy of the Personally Identifiable Information you submit to The Kachchh District Central Co-operative Bank Ltd. Inaccurate information may affect your ability to use the Site, the information you receive when using the Site, and our ability to contact you. For example, your email address should be kept current because that is one of the primary manners in which we communicate with you.
We consider that the legal bases for using your personal information as set out in this privacy policy are as follows:
Our use of your personal information is necessary to perform our obligations under any contract with you (for example, to comply with the terms of use of our Site which you accept by browsing our website and/or to comply with our contract to provide services to you); or
Our use of your personal information is necessary for complying with our legal obligations; or
Where neither of the above apply, use of your personal information is necessary for our legitimate interests or the legitimate interests of others. Our legitimate interests are to:
If we rely on our (or another person’s) legitimate interests for using your personal information, we will undertake a balancing test to ensure that our (or the other person’s) legitimate interests are not outweighed by your interests or fundamental rights and freedoms which require protection of the personal information.
We may process your personal information in some cases for marketing purposes on the basis of your consent (which you may withdraw at any time after giving it, as described below).
If we rely on your consent for us to use your personal information in a particular way, but you later change your mind, you may withdraw your consent by writing us at legal@thekachchhdccb.co.in. or delete your account and we will stop doing so. However, if you withdraw your consent, this may impact the ability for us to be able to provide our services to you.
We do not use or share any information provided by You as delineated below for any other purposes or with any other parties except as delineated below.
We gather two types of information about users through the Site:
Information relating to your use of our Site. When users come to our Site, we may track, collect, and aggregate information indicating, among other things, which pages of our Site were visited, the order in which they were visited, when they were visited, and which hyperlinks were “clicked.” We also collect information from the URLs from which you linked to our Site. Collecting such information may involve logging the IP address, operating system and browser software used by each user of the Site. We may be able to determine from an IP address a user’s Internet Service Provider and the geographic location of his or her point of connectivity.
To personalize user experience, we may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
Personally, Identifiable Information provided directly by you or via third parties. We collect Personally Identifiable Information that you provide to us when you register for an account, update, or change information for your account, purchase products or services, complete a survey, sign-up for email updates or Learning Programs, participate in our public forums, send us email messages, and/or participate in any Learning Programs or other services on our Site. We may use the Personally Identifiable Information that you provide to respond to your questions, provide you the specific Learning Program and/or services you select, send you updates about your Learning Program offered by The Kachchh District Central Co-operative Bank Ltd. or other The Kachchh District Central Co-operative Bank Ltd. events, and send you email messages about Site maintenance or updates.
We may collect Personally Identifiable Information in the following ways:
Account Registration. If you register for an account on our Site, you may be required to provide us with Personally Identifiable Information such as your name and email address.
Learning Program enrolment. In addition, we may collect Personally Identifiable Information when you enroll for a Learning Program, as and when required.
Updates. The Kachchh District Central Co-operative Bank Ltd. may offer you the ability to receive updates either via email or by posting on portions of the Site only accessible to registered users. In order to subscribe to these services, you may be required to provide us with Personally Identifiable Information such as your name and email address.
Forums. The Kachchh District Central Co-operative Bank Ltd. may offer public forums from time to time (the “Forums”) where you can share comments and thoughts. In order to participate in the Forums, you may be required to register with us and/or provide us with Personally Identifiable Information such as your name and email address. Please keep in mind that information you post or make available in Forums will be publicly available. You should not post any Personally Identifiable Information or other information of a personal or sensitive nature, whether relating to you or another person, on a Forum.
Participation in Learning Program. The Kachchh District Central Co-operative Bank Ltd. offers users the opportunity to participate in an Online Learning Program on or through the Site. If you desire to participate in a Learning Program, you will be asked to provide us with certain information necessary to conduct such a Learning Program. This information may include, among other things, your name and email address.
If you participate in an online Learning Program, we may collect from you, certain student-generated content, such as assignments you submit to Instructors, peer-graded assignments, and peer grading student feedback. We also collect Learning Program data, such as student responses to in-video quizzes, standalone quizzes, exams, and surveys. You should not include any Personally Identifiable Information or other information of a personal or sensitive nature, whether relating to you or another person, on assignments, exams, or surveys, except for information required to participate or submit such assignments, exams, or surveys.
Identity Verification. The Kachchh District Central Co-operative Bank Ltd. may offer you the ability to verify your identity for selected Learning Programs. In order to enroll for these services, you may be required to provide us or our third-party identity verification vendor with Personally Identifiable Information such as your name, address, date of birth, a headshot taken using a webcam, documents, and information regarding your educational qualification and a photo identification document. Additionally, if you apply for financial aid in connection with these services, you may be required to provide information regarding your income.
Such Personally Identifiable Information shall be collected to verify if the Learner is qualified for a Learning Program where the Learning Program asks for such qualification to be shown or for a financial aid. We may also run background checks on a Learner to verify the Learner before the Learner could enroll for a Learning Program.
Communications with The Kachchh District Central Co-operative Bank Ltd.. We may receive Personally Identifiable Information when you send us an email message or otherwise contact us.
Third Party Sites. We may receive Personally Identifiable Information when you access or log-in to a third-party site, e.g., Facebook, from our Sites. This may include the text and/or images of your Personally Identifiable Information available from the third-party site.
Surveys. We may receive Personally Identifiable Information when you provide information in response to a survey operated by us. This may include details about your race, your education history, and your employment.
Additionally, we may conduct surveys for Participating Institutions and other affiliate or partnering third-party institutions of The Kachchh District Central Co-operative Bank Ltd. and may share such surveys which may contain aggregated Personal Identification Data, with such third-party Participating Institutions and other affiliate or partnering institutions.
Partner sites. Partner sites providing Online Learning Program related tools and services to The Kachchh District Central Co-operative Bank Ltd. users may collect nonfinancial individual level user data regarding the individual’s use of that partner site while engaged with such Online Learning Program related activities, and the partner sites may share that data with The Kachchh District Central Co-operative Bank Ltd. for the purpose of improving The Kachchh District Central Co-operative Bank Ltd.’s services, the partner site’s services, and the individual’s education experience. This data includes information such as the amount of time spent on the partner site and pages viewed.
Third Party Payment Processing. The Kachchh District Central Co-operative Bank Ltd. provides you with the ability to pay for Learning Programs and other services using a credit card (or other payment modes) through a third-party payment processing service provider. Please note that our service provider – not The Kachchh District Central Co-operative Bank Ltd.– collects and processes your credit card information.
Information relating to your use of our Site. We use information relating to your use of the Site to build higher quality, more useful services by performing statistical analyses of the collective characteristics and behavior of our users, and by measuring demographics and interests regarding specific areas of our Site. We may also use this information to ensure the security of our services and the Site.
Personally, Identifiable Information provided directly by you or via third parties. Except as set forth in this Privacy Policy or as specifically agreed to by you, The Kachchh District Central Co-operative Bank Ltd. will not disclose any of your Personally Identifiable Information. In addition to the other uses set forth in this Privacy Policy, we may disclose and otherwise use Personally Identifiable Information as described below.
Providing the Site and our services. We use Personally Identifiable Information which you provide to us in order to allow you to access and use the Site and in order to provide any information, products, or services that you request from us.
Technical support and security. We may use Personally Identifiable Information to provide technical support to you, where required, and to ensure the security of our services and the Site.
Updates. We use Personally Identifiable Information collected when you sign-up for our various email or update services to send you the messages in connection with the Site or an Online Learning Program. We may also archive this information and/or use it for future communications with you, where we are legally entitled to do so.
Webinars. We may use and share your Personally Identifiable Information with third-party Instructors when the Instructors host a Webinar. Such sharing of Personally Identifiable Information is necessary to allow the Instructors to successfully conduct Webinars through The Kachchh District Central Co-operative Bank Ltd. Platform. Webinar shall mean a web-based seminar hosted by an Instructor on the The Kachchh District Central Co-operative Bank Ltd. Platform and is included as a Service of The Kachchh District Central Co-operative Bank Ltd.
When Personally Identifiable Information is shared with the host of a Webinar, it shall be specified and informed to the Learner that such Personally Identifiable Information are being collected and would be shared with the host of the Webinar and the name of the host with whom the Personally Identifiable Information shall be shared will be informed to the Learner.
Unless informed to the Learner no Personally Identifiable Information shall be shared with any host of the Webinars.
Forums. You should not post any Personally Identifiable Information or other information of a personal or sensitive nature, whether relating to you or another person, within a Forum post. If you choose to post Personally Identifiable Information, such Personally Identifiable Information may be collected during your use of the Forums. We may publish this information via extensions of our Platform that use third-party services, like mobile applications. We reserve the right to reuse Forum posts that contain Personally Identifiable Information in future versions of the Learning Programs we offer, and to enhance future Learning Program offerings. We may archive this information and/or use it for future communications with you and/or your designee(s), and/or provide it to our partner organizations, business partner, or the Instructor(s) associated with the Learning Programs you have taken. We may also use or publish posts submitted on the Forums without using Personally Identification Information.
Participation in Online Learning Programs. We use the Personally Identifiable Information that we collect from you when you participate in an Online Learning Program through the Site for processing purposes, including but not limited to tracking attendance, progress, and completion of an Online Learning Program. We may also share your Personally Identifiable Information and your performance in a given Learning Program with the Instructor or Instructors who taught the Learning Program, with teaching assistants or other individuals designated by the Instructor or Instructors to assist with the creation, modification, or operation of the Learning Program, and with the institution or institutions with which they are affiliated. Also, we may archive this information and/or use it for future communications with you, where we are legally entitled to do so.
Identity Verification. For services that require identity verification, we use the Personally Identifiable Information that we collect for verifying your identity, and for authenticating that submissions made on the Site were made by you. This service may be provided through a third-party identity verification vendor. Your photo identification document will be deleted after successful verification of your profile information.
Communications with or from The Kachchh District Central Co-operative Bank Ltd. When you send us an email message or otherwise contact us, we may use the information provided by you to respond to your communication and/or as described in this Privacy Policy. We may also archive this information and/or use it for future communications with you where we are legally entitled to do so. Where we send you emails, we may track the way that you interact with these emails (such as when you open an email or click on a link inside an email). We use this information for the purposes of optimizing and better tailoring our communications to you.
Communications with The Kachchh District Central Co-operative Bank Ltd. Business Partners. We may share your Personally Identifiable Information with University/Institutional partners and other business partners of The Kachchh District Central Co-operative Bank Ltd. so that partners may share information about their products and services that may be of interest to you where they are legally entitled to do so.
Research. We may share general Learning Program data (including quiz or assignment submissions, grades, and forum discussions), information about your activity on our Site, and demographic data from surveys operated by us with our Participating Institutions and other business partners so that our partners and other business partners may use the data for research related to online education.
Disclosure to The Kachchh District Central Co-operative Bank Ltd. Operations and Maintenance Contractors. We use various service providers, vendors, and contractors (collectively, “Contractors”) to assist us in providing our products and services to you. Our Contractors may have limited access to your Personally Identifiable Information in the Learning Program of providing their products or services to us, so that we in turn can provide our products and services to you. These Contractors may include vendors and service providers that provide us with technology, services, and/or content related to the operation and maintenance of the Site or the Online Learning Program. Access to your Personally Identifiable Information by these contractors is limited to the information reasonably necessary for the contractor to perform its limited function for us.
Government Authorities, Legal Rights and Actions. The Kachchh District Central Co-operative Bank Ltd. may share your Personally Identifiable Information with various government authorities in response to subpoenas, court orders, or other legal process; to establish or exercise our legal rights or to protect our property; to defend against legal claims; or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us. We also may share your Personally Identifiable Information when we believe it is appropriate to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of The Kachchh District Central Co-operative Bank Ltd., the Site, our users, customers, or others; and in connection with our Terms of Use and other agreements.
Disclosure to Acquirers. The Kachchh District Central Co-operative Bank Ltd. may disclose and/or transfer your Personally Identifiable Information to an acquirer, assignee, or other successor entity in connection with a sale, merger, or reorganization of all or substantially all of the equity, business, or assets of The Kachchh District Central Co-operative Bank Ltd. to which your Personally Identifiable Information relates.
For your convenience we may provide links to sites operated by organizations other than The Kachchh District Central Co-operative Bank Ltd. as delineated in the table below (“Third Party Sites”) that we believe may be of interest to you. We do not disclose your Personally Identifiable Information to these Third-Party Sites unless we have a lawful basis on which to do so. We do not endorse and are not responsible for the privacy practices of these Third-Party Sites. If you choose to click on a link to one of these Third-Party Sites, you should review the privacy policy posted on the other site to understand how that Third Party Site collects and uses your Personally Identifiable Information.
The length of time we retain Personally Identifiable Information for depends on the purposes for which we collect and use it and/or as required to comply with applicable laws and to establish, exercise or defend our legal rights.
We consider the confidentiality and security of your information to be of the utmost importance. We will use industry standard physical, technical, and administrative security measures to keep your Personally Identifiable Information confidential and secure and will not share it with third parties, except as otherwise provided in this Privacy Policy, or unless such disclosure is necessary in special cases, such as a physical threat to you or others, as permitted by applicable law. Because the Internet is not a 100% secure environment, we cannot guarantee the security of Personally Identifiable Information, and there is some risk that an unauthorized third party may find a way to circumvent our security systems or that transmission of your information over the Internet will be intercepted. It is your responsibility to protect the security of your login information. Please note that e-mails communications are typically not encrypted and should not be considered secure.
You have certain rights in relation to your Personally Identifiable Information. You can access your Personally Identifiable Information and confirm that it remains correct and up-to-date or choose whether or not you wish to receive material from us or some of our partners by logging into the Site and visiting your user account page.
If you would like further information in relation to your rights or would like to exercise any of them, you may also contact us via legal@thekachchhdccb.co.in.
We try to answer every email promptly where possible and provide our response within the time period stated by applicable law. Keep in mind, however, that there will be residual information that will remain within our databases, access logs and other records, which may or may not contain your Personally Identifiable Information. Please also note that certain Personally Identifiable Information may be exempt from such requests in certain circumstances, which may include if we need to keep processing your Personally Identifiable Information to comply with a legal obligation.
When you email us with a request, we may ask that you provide us with information necessary to confirm your identity.
This Platform ensures that data is encrypted when leaving the Platform. This process involves the converting of information or data into a code to prevent unauthorized access. This Platform follows this process and employs secure methods to ensure the protection of all credit and debit card transactions. Encryption methods such as SSL and HTTPS are utilized to protect customer data when in transit to and from this Platform over a secure communications channel.
Whilst we do everything within our power to ensure that personal data is protected at all times from our Platform, we cannot guarantee the security and integrity of the information that has been transmitted to our Platform.
Our Platform uses cookies, web beacons and similar technologies to provide certain functionality to the Platform, to understand and measure its performance, and to deliver targeted advertising.
We may use the following cookies on our Platform:
The browser or device you are using to view the Platform can enable, disable, or delete cookies. To do this, follow the instructions provided by your browser or device (usually located within the “Help,” “Tools” or “Edit” “Change my preferences” facility). Please note that if you set your browser or device to disable cookies, you may not be able to access certain parts of the Platform. Other parts of the Platform may also not work properly.
PROVISION OF PERSONAL DATA AS STATUTORY OR CONTRACTUAL REQUIREMENT; REQUIREMENT NECESSARY TO ENTER INTO A CONTRACT; OBLIGATION OF THE DATA SUBJECT TO PROVIDE THE PERSONAL DATA; POSSIBLE CONSEQUENCES OF FAILURE TO PROVIDE SUCH DATA
We clarify that the provision of personal data is partly required by law (e.g., tax regulations) or can also result from contractual provisions (e.g., information on the contractual partner). Sometimes it may be necessary to conclude a contract that the data subject provides us with personal data, which must subsequently be processed by us. The data subject is, for example, obliged to provide us with personal data when our company signs a contract with him or her. The non-provision of the personal data would have the consequence that the contract with the data subject could not be concluded. Before personal data is provided by the data subject, the data subject must contact our responsible authorized representative for the matter (“Authorized Representative”). Our Authorized Representative clarifies to the data subject whether the provision of the personal data is required by law, contract or is necessary for the conclusion of the contract, whether there is an obligation to provide the personal data and the consequences of non-provision of the personal data.
We clarify that the provision of personal data is partly required by law (e.g., tax regulations) or can also result from contractual provisions (e.g., information on the contractual partner). Sometimes it may be necessary to conclude a contract that the data subject provides us with personal data, which must subsequently be processed by us. The data subject is, for example, obliged to provide us with personal data when our company signs a contract with him or her. The non-provision of the personal data would have the consequence that the contract with the data subject could not be concluded. Before personal data is provided by the data subject, the data subject must contact our responsible authorized representative for the matter (“Authorized Representative”). Our Authorized Representative clarifies to the data subject whether the provision of the personal data is required by law, contract or is necessary for the conclusion of the contract, whether there is an obligation to provide the personal data and the consequences of non-provision of the personal data.
If you have any privacy-related questions, suggestions, unresolved problems, or complaints you may contact us via legal@thekachchhdccb.co.in.
Please note that we review our privacy practices from time to time, and that these practices are subject to change. Any change, update, or modification will be effective immediately upon posting on our Site. We will notify you of any material change to this Privacy Policy by posting a notice on our Site’s homepage for a reasonable period of time following such update, and by changing the effective date (located at the bottom of this page). Be sure to return to this page periodically to ensure familiarity with the most current version of this Privacy Policy.
The Kachchh District Central Co-operative Bank Ltd. strongly believes in protecting the privacy of children. In line with this belief, we do not knowingly collect or maintain Personally Identifiable Information on our Site from persons under 18 years of age, and no part of our Site is directed to persons under 18 years of age. If you are under 18 years of age, then please do not use or access this Site at any time or in any manner. We will take appropriate steps to delete any Personally Identifiable Information of persons less than 18 years of age that has been collected on our Site without verified parental consent upon learning of the existence of such Personally Identifiable Information.
Please contact us with any questions or comments email at legal@thekachchhdccb.co.in