At Jyoti Kranti Coperative Credit Society Limited, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, store, and protect the data of individuals who engage with our services, including members, depositors, borrowers, and visitors to our premises or digital platforms.

We collect personal information directly from you when you apply to avail of any of our financial services. This information may include your full name, address, phone number, email ID, Aadhaar number, PAN, date of birth, occupation, income details, nominee information, and any other data required under the Know Your Customer (KYC) norms as per RBI and cooperative society regulations. In some cases, biometric data may be collected if mandated or permitted by law.

The information we collect is used strictly for lawful purposes related to our operations. This includes verifying your identity, processing applications for savings or fixed deposits, evaluating loan eligibility, maintaining updated member records, complying with statutory requirements, and sending you relevant notifications or account-related communication. We may also use this information internally to improve service quality and manage risks.

We do not sell, rent, or trade your personal information to any third party. However, we may share your data with government and regulatory authorities such as the Registrar of Cooperative Societies, Reserve Bank of India (RBI), tax authorities, and credit information companies, strictly as required by law or under compliance obligations. We may also share information with our professional partners, auditors, IT service providers, or agents working on our behalf, subject to strict confidentiality agreements.

Your data is stored securely using appropriate administrative and technical measures designed to prevent unauthorized access, misuse, or loss. These measures include password-protected systems, restricted access to sensitive data, and compliance with data protection practices. However, despite our efforts, we cannot guarantee absolute security, especially in case of unforeseen cyber threats.

We retain your personal information for as long as it is required for the purposes mentioned above, or as mandated by law. This retention helps us comply with legal obligations, resolve disputes, and enforce our agreements.

We may update this Privacy Policy from time to time based on changes in law, technology, or our practices. Any such changes will be communicated to you through official notices or via our website, and continued use of our services shall be deemed acceptance of the updated policy.

By submitting my details, I override my NDNC registration and authorize Jyoti Kranti Coperative Credit Society Limited and its representatives to contact me through Bulk SMS, RCS SMS & Verified SMS. I further consent to share my information on a confidential basis with third parties for evaluating and processing this proposal.