PRIVACY POLICY AND DATA PROTECTION

At Bank of Punjab, we take the privacy and security of your personal information very seriously. This Privacy Policy and Data Protection Statement sets out how we collect, use, disclose, and protect your information in compliance with applicable data protection and privacy laws. We encourage our customers and visitors to regularly review this document and understand the terms and conditions laid out in it.

Collection and Use of Personal Information

We collect personal information that you provide to us on this mobile app, including your name, contact details, financial information, and other relevant information required to provide our products and services. We may use this information to provide operational support, manage regulatory requirements, update our records, advise you of products that match your financial needs or may interest you, business analytics and improve our products and services. We may also share your information with third-party service providers, advisors, and other parties listed below to fulfill these purposes.

Disclosure of Personal Information

Other than to the parties listed below, we will not disclose your personal information to any external body without your permission, unless we are under a legal obligation or any other duty to do so. Your information may be disclosed to:

• any regulatory, supervisory, governmental, or quasi-governmental authority with jurisdiction over Bank of Punjab;
• any agent, contractor, or third-party service provider, professional advisor, or any other person under a duty of confidentiality to Bank of Punjab;
• credit reference agencies and, in the event of default, debt collection agencies;
• any financial institution with which Bank of Punjab has or proposes to have dealings.
• We emphasize to these parties the importance of treating your information securely and confidentially. We also confirm our intention to fully meet internationally recognized standards of personal data privacy protection and to comply with applicable data protection and privacy laws. However, we cannot guarantee complete security of the information maintained, submitted, or transferred from our system.

Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.

• User Location- to ensure that the financial institution app is being accessed from secure WIFI.
• Access to gallery images- required for conducting QR Payments via digiBOP.
• Device ID to limit the number of registered devices from which app is accessed as per central bank’s directives.

The app does use third-party services that may collect information used to identify you. Link to the privacy policy of third-party service providers used by the app. digiBOP will be requiring below mentioned information for specified reasons:

• Google Play Services
• Google Analytics for Firebase
• Firebase Crashlytics

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Installed Application Information

Our app collects and transmits users' installed application information to improve the security of the app and protect users' personal and financial information. This data collection is intended to ensure that the mobile device being used is secure and not compromised, by analyzing the installed applications on the device to check for potential security risks. Please note that the collection and transmission of this data is being done with the user's explicit consent, which is obtained prior to the collection and transmission of the data. This is to ensure that users are fully aware of how their data will be used and have the opportunity to opt-out if they do not wish to share this information. We understand the importance of protecting your privacy and are committed to complying with all applicable data protection laws and regulations to ensure the privacy and security of user data.

Protection of Sensitive Data

We do not seek to collect sensitive personal information, such as information revealing political opinions, religious beliefs, health, or other matters, through mobile app. However, as a banking application, we may have visibility into other installed applications solely for security-based purposes.

Use of Cookies

The Bank of Punjab Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize The Bank of Punjab pages, or register with The Bank of Punjab site or services, a cookie helps The Bank of Punjab to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same The Bank of Punjab Web site, the information you previously provided can be retrieved, so you can easily use The Bank of Punjab features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of The Bank of Punjab services or Web sites you visit.

Internet Communications

To maintain the security of our systems, transaction recording, staff protection, and to prevent/detect crime or unauthorized activities, Bank of Punjab reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain.

Secure Data Handling Procedures for Personal and Sensitive User Data

At the Bank of Punjab, we understand the importance of protecting your personal information from unauthorized access, use, or disclosure. We take a proactive approach to safeguarding your data by employing robust security measures to ensure that the personally identifiable information you provide us is stored in a secure and controlled environment. Additionally, we use encryption protocols such as SSL to protect your personal information during transmission to other websites. You can trust that we are committed to ensuring the safety and privacy of your personal data at all times.

We only collect personal and sensitive information that is necessary for providing our services. We ensure that the data we collect is minimal and strictly required for the purpose for which it is being collected.

Storage of Personal and Sensitive Information

We store your data on secure servers with limited access to authorized personnel only. We take necessary measures to protect the data against unauthorized access, alteration, disclosure, or destruction.

Use of Personal and Sensitive Information

We use your personal and sensitive information only for the purpose for which it is collected. We do not share your data with any third parties unless it is necessary to provide you with our services or as required by law.

Data Retention

We retain your personal and sensitive information only for as long as it is necessary to provide our services or as required by law. Once your data is no longer needed, it will be deleted securely.

Developer’s Data Retention and Deletion Policy

At The Bank of Punjab, we recognize the importance of data privacy and we are committed to protecting the personal information of our developers. Here is our data retention and deletion policy

Collection of Developer’s Data

We collect data from developers only to provide our services. The data collected may include but not limited to email addresses, usernames, contact information, financial information and other relevant information required.

Storage of Developer’s Data

We store your data on secure servers with limited access to authorized personnel only. We take necessary measures to protect the data against unauthorized access, alteration, disclosure, or destruction.

Use of Developer’s Data

We use your data only for the purpose for which it is collected. We do not share your data with any third parties unless it is necessary to provide you with our services or as required by law.

Data Retention

We retain your data for as long as it is necessary to provide our services or as required by law. If you wish to delete your data, you can do so by contacting our support team.

Data Deletion

Once your data is no longer needed, it will be deleted securely. We follow strict procedures to ensure that your data is deleted completely from our systems. However, we may retain certain data for legal or regulatory purposes.

Contacting You

We may contact you via your telephone, physical address, digital, or similar details to keep you informed about Bank of Punjab products and services or for any other reason.

Amendments to Privacy Policy and Data Protection Statement

We reserve the right to amend and update this Privacy Policy and Data Protection Statement on this website. This document is for information purposes only and does not create any legal or contractual obligation on Bank of Punjab in any manner whatsoever.

Agreement

By using our website, you agree to this Privacy Policy and Data Protection Statement and its terms.