Privacy Policy

27 July 2026

Last Updated: January 2026

1. INTRODUCTION

PLD Bank ("the Bank", "we", "us", "our") is committed to protecting the privacy and personal data of our customers, visitors, and users of this website. This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act), Reserve Bank of India (RBI) guidelines, and the Karnataka State Co-operative Department regulations applicable to co-operative banks.

This policy applies to: - Customers holding savings, fixed deposit, or recurring deposit accounts - Loan borrowers (agriculture, gold, vehicle, home, self-employment) - Visitors to our website and branches - Individuals submitting enquiries through our contact forms or WhatsApp

2. INFORMATION WE COLLECT

We collect the following categories of personal information:

A. Information you provide directly: - Full name (English and Kannada) - Father's/Husband's name - Date of birth and age - Gender - Aadhaar number (for KYC verification) - PAN number - Residential address and contact phone number - Email address (if available) - Passport-size photographs - Signature specimens - Occupation and income details - Land/property records (for agriculture loans) - Gold valuation details (for gold loans) - Nominee details

B. Information collected automatically: - Website visit data (IP address, browser type, pages visited) - Cookies for basic website functionality - WhatsApp chat messages (when you contact us via WhatsApp)

C. Information from third parties: - Credit information from CIBIL/credit bureaus (if applicable) - Land records from the Revenue Department (for agriculture loans) - KYC verification data from UIDAI

3. HOW WE USE YOUR INFORMATION

We use your personal data for the following purposes: - Opening and maintaining savings, deposit, and loan accounts - KYC (Know Your Customer) verification as mandated by RBI - Processing loan applications and disbursing loans - Communicating with you about your accounts, loans, and bank services - Sending account statements, passbook updates, and transaction notifications - Recovering outstanding loan amounts - Complying with statutory and regulatory requirements - Improving our banking services and customer experience - Maintaining records as required by the Banking Regulation Act, 1949

4. LEGAL BASIS FOR PROCESSING

We process your personal data based on: - Your consent at the time of account opening or loan application - Legal obligations under the Banking Regulation Act, 1949, RBI guidelines, and co-operative society laws - Contractual necessity for providing banking services - Compliance with directions from RBI, NABARD, and the Registrar of Co-operative Societies, Karnataka

5. DATA SHARING AND DISCLOSURE

We do NOT sell or rent your personal data to any third party. We may share your information only in the following circumstances:

A. With regulatory authorities: - Reserve Bank of India (RBI) - NABARD - Registrar of Co-operative Societies, Karnataka - Income Tax Department (as required under law) - Enforcement Directorate (under legal compulsion)

B. With service providers: - Credit bureaus (CIBIL, Equifax, etc.) for credit reporting - KYC verification agencies (for Aadhaar authentication) - Printing and stationery vendors (for passbooks and documents, under confidentiality agreements)

C. With legal authorities: - Law enforcement agencies with valid court orders or legal warrants - As required under the Prevention of Money Laundering Act (PMLA), 2002

6. DATA SECURITY

We implement reasonable security measures to protect your personal data: - Physical security of records in locked premises at our branches - Restricted access to customer data — only authorized staff can access account information - Secure storage of KYC documents and account records - Staff trained on confidentiality and data protection - Regular audits as per RBI guidelines - Fire and theft protection for physical records

Note: As a rural co-operative bank, we primarily maintain physical records at our branch offices. We do not offer internet banking or mobile banking services, which reduces the risk of digital data breaches.

7. DATA RETENTION

We retain your personal data for the following periods: - Active account records: Throughout the account relationship - Closed account records: 10 years after account closure (as per RBI guidelines) - KYC records: 5 years after the business relationship ends - Loan records: 10 years after loan closure - Transaction records: 8 years as per RBI guidelines

8. YOUR RIGHTS

Under the DPDP Act, 2023, you have the following rights: - Right to access: You can request a copy of your personal data held by us - Right to correction: You can request correction of inaccurate data - Right to erasure: You can request deletion of data (subject to legal retention requirements) - Right to grievance redressal: You can file a complaint with our Grievance Redressal Officer - Right to withdraw consent: You can withdraw consent for data processing (this may affect your banking services)

To exercise these rights, contact us at: PLD Bank, Head Office, Honavar Phone: 08387-220208 Email: pldbhonavar@gmail.com

9. GRIEVANCE REDRESSAL

If you have a complaint regarding your privacy or data protection: Step 1: Contact the Branch Manager at your nearest branch Step 2: If unresolved, contact the General Manager at Head Office, Honavar - 08387-220208 Step 3: If still unresolved, contact the Banking Ombudsman, Reserve Bank of India

10. CHILDREN PRIVACY

We do not knowingly collect personal data from children under 18 years. Minors accounts are opened only with the consent and supervision of a parent or legal guardian.

11. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated date. We encourage you to review this page periodically.

12. CONTACT US

For any privacy-related queries: PLD Bank (Honavar Taluka Primary Co-op. Agriculture & Rural Development Bank Ltd.) Head Office, Honavar, Uttara Kannada, Karnataka - 581334 Phone: 08387-220208 Email: pldbhonavar@gmail.com