Privacy Policy for IOB Mobile Banking Application
Introduction
This
Privacy Policy is applicable to all Users of IOB Mobile Banking
Service. Please read this Privacy Policy carefully. By using this
service, you represent that you have read
and understood the terms and conditions of usage, which includes this
Privacy Policy, and You agree to be bound by all its terms.
Policy Change
Our
privacy policy is subject to change at any time without prior notice.
You are advised to review the policies periodically for any changes. If
we decide to change our privacy
policy, we will post those changes on this page so that you are always
aware of what information we collect, how we use it, and under what
circumstances we disclose it.
By
using the IOB Mobile Banking app (the "App') and/ or by providing your
information, you consent to the collection and use of the information
you disclose on the app in accordance
with this Privacy Policy, including but not limited to your consent for
sharing your information as per this privacy policy.
By
downloading this app you agree to the terms and conditions of this
Privacy Policy given by the application. We will not be able to on board
you in case you are not in agreement
with the terms and condition. By mere use of IOB Mobile app you
expressly consent to our use and disclosure of your personal information
in accordance with this Privacy Policy. This Privacy Policy is
incorporated into and subject to the Terms of Use.
Use and sharing of Information:
When
you use our IOB Mobile application, we will collect information about
the device in which the App is installed on (e.g. Device identification
numbers (ie IMEI), Android
versions, device model) and your account with us and associated
transaction and store your personal information provided by you from
time to time. We do so to ensure that you are provided a safe,
efficient, smooth and seamless experience. This also allows
us to understand your needs and provide for services and features that
best suit them. We strive to provide for customizations on our
application to ensure that your experience is always safer and easier.
This
requires collection of personal information to the extent necessary for
achieving this purpose and objective. You may please note that it is
mandatory to register yourself
in order to use the app. And once you give us your personal
information, you are not anonymous to us. We may automatically track
certain information about you based upon your behaviour on our app to
the extent we deem fit.
We
retain this information as necessary to resolve disputes in terms of
transactions and otherwise, where needed, provide customer support and
troubleshoot problems as permitted
by law. We collect personally identifiable information (Name, phone
number, account number etc.) from you when you register with us to
create your unique identification in terms of a Mobile banking
transactions pin and/or Application Password and /or any
other unique registration identification that is/shall be made
available to our customers.
We
use personal information to provide the services you request. We use
your personal information to resolve disputes; troubleshoot problems;
Send money etc.We use the information
thus obtained to customize your experience; detect and protect us
against error, fraud and other criminal activity; enforce our terms and
conditions which are an integral part of the use of this application;
and as otherwise described to you at the time of
such collection.
We
may disclose personal information if required to do so by law or in the
good faith belief that such disclosure is reasonably necessary to
respond to subpoenas, court orders,
or other legal processes. We may disclose personal information to law
enforcement offices upon such requests, third party rights owners or
others in the good faith belief that such disclosure is reasonably
necessary to: enforce our Terms or Privacy Policy;
respond to claims that an advertisement, posting or other content
violates the rights of a third party; or protect the rights, property or
personal safety of our users or the general public.
We
will share some or all of your personal information with another
business entity should we (or our assets) plan to merge with, or be
acquired by that business entity, or re-organization,
amalgamation, restructuring of business. Should such a transaction
occur that other business entity (or the new combined entity) will be
required to follow this privacy policy with respect to your personal
information.
Information Security
Our
app has stringent security measures in place to protect the loss,
misuse, and alteration of the information under our control and follows
the best practices in the industry
in this regard. Whenever you change or access your account information,
it is through secure channels. Once your information is in our
possession we adhere to strict security guidelines, protecting it
against unauthorized access.
By Accepting Privacy policy you are agreeing to provide the below permissions required by the application:
1.
android.permission.ACCESS_WIFI_STATE - To access information about Wi-Fi networks.
2.
android.permission.ACCESS_NETWORK_STATE - To access internet connection via Direct Internet
3.
android.permission.INTERNET - for accessing internet,SSL certificate verification.
4.
android.permission.READ_EXTERNAL_STORAGE - To read the saved Profile image files from device gallery.
5.
android.permission.SEND_SMS , Telephony - To verify user's mobile number.
6.
android.permission.WRITE_EXTERNAL_STORAGE
- Application requires this permission since application allowing to
set the customer profile picture in the application.
In this scenario, user can select the picture from the device SD card
and Social sharing, PDF download, Camera access for external storage.
7.
android.permission.CAMERA - to take picture for customer profile image purpose
8.
android.permission.READ_PHONE_STATE
- to access sim serial number of user to provide an option to user to
send an SMS from available SMS providers.
9.
android.permission.
READ_CONTACTS, WRITE_CONTACTS , GET_ACCOUNTS -Getting contact details
to use Mobile to Mobile beneficiary registration
10. android.permission. USE_FINGERPRINT-to provide Bio metric login authentication
11. android.permission. RECEIVE_BOOT_COMPLETED-to get location details and dependency
12. android.permission-ACCESS_NETWORK_STATE- To get internet information
13. android.permission. READ_PHONE_STATE-To get Sim details for verification