Privacy Policy

BABA SAI KRIPA CO-OPERATIVE (URBAN) THRIFT & CREDIT SOCIETY LIMITED
Address: D-41/A, Gali No 9, 30 Foota Rd, West Vinod Nagar, Delhi, 110092
Website: www.babasaikripa.in

At Baba Sai Kripa Co-operative (Urban) Thrift & Credit Society Limited, we value the privacy of our members and are committed to protecting their personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with applicable laws, including the Information Technology Act, 2000, and RBI guidelines.

1. Information We Collect

We may collect the following types of personal and financial information:

Personal Identification Details: Name, address, date of birth, PAN, Aadhaar, and other government-issued IDs.
Contact Information: Phone numbers, email addresses, and correspondence addresses.
Financial Information: Bank account details, UPI IDs, transaction history, loan details, and deposit data.
Usage Data: Information about how you interact with our website, such as IP addresses, browser type, and pages visited.

2. How We Use Your Information

The information collected is used for:

Verifying your identity and compliance with KYC norms as per RBI guidelines.
Processing payments, loans, deposits, and other financial transactions.
Sending important notifications, updates, or promotional offers regarding our services.
Generating reports and maintaining internal records.
Ensuring compliance with legal obligations and regulatory requirements.

3. Data Sharing and Disclosure

We do not sell or rent your personal information to third parties. However, we may share your data with:

Regulatory Bodies: As mandated by law or RBI for compliance purposes.
Third-Party Service Providers: Payment gateways, banks, or IT service providers involved in processing your transactions.
Internal Departments: To improve our services or resolve member-related issues.
Legal Authorities: In case of disputes or fraud investigations.

4. Data Security

We take the security of your data seriously and employ robust measures to protect it, including:

Encryption: Sensitive data is encrypted during storage and transmission.
Access Control: Only authorized personnel can access member data.
Secure Servers: All data is stored on secure servers with firewalls and anti-virus protection.
Regular Audits: Periodic security audits are conducted to ensure compliance with industry standards.

Despite our best efforts, no system is completely secure. Members are encouraged to safeguard their login credentials and report suspicious activities.

5. Cookies and Tracking

Our website may use cookies to improve user experience and analyze web traffic. Cookies collect non-identifiable data such as browsing behavior. Members can disable cookies via their browser settings, though some website features may not function properly without them.

6. Your Rights

As a member, you have the right to:

Access Your Data: Request a copy of the personal information we hold about you.
Update Your Data: Correct inaccuracies in your personal information.
Withdraw Consent: Opt-out of non-essential communications or data collection.
File a Complaint: If you feel your data privacy rights are violated, you can file a grievance at president.meenakshi@babasaikripa.in.

7. Retention of Information

We retain your data for as long as necessary to fulfill the purposes outlined in this policy or comply with legal and regulatory obligations. Financial records may be stored for up to 7 years, as per RBI and tax guidelines.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Members are advised to review the privacy policies of external sites before sharing any information.

9. Grievance Redressal

If you have concerns about your privacy or wish to file a complaint, you can contact:

Grievance Email: president.meenakshi@babasaikripa.in
Phone: 8448334245 / 01142705999

We aim to address grievances within 7 business days.

10. Changes to the Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Members will be notified of significant changes through email or website updates. Continued use of our services after changes implies acceptance of the revised policy.

Contact Us

For any questions about this Privacy Policy or data protection practices, please contact:

Email: mailsaikripa.cr@gmail.com
Phone: 8448334245 / 01142705999
Address: D-41/A, Gali No 9, West Vinod Nagar, Delhi, 110092

By using our website or services, you consent to the terms of this Privacy Policy.