Privacy
Policy for IOB Credit Card Service
Introduction
This Privacy Policy is applicable to all users of IOB
Credit Card 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.
By using 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.
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 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 Credit Card 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 Credit Card application, we
will collect information about the device in which the app is installed on
(e.g. Device identification numbers i.e. (IMEI), Android versions, device model
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 you. 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 (PAN, Date of Birth etc.) from you when you register with us to
create your unique identification in terms of IOB Credit Card application 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 etc. We use the
information thus obtained to customize your experience; detect and protect
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:
· ANDROID APPLICATION PRIVACY POLICY PERMISSIONS REQUIRED AND
THEIR PURPOSE
1.
android.permission.ACCESS_FINE_LOCATION – To get a precise location using both GPS_PROVIDER and
NETWOR_PROVIDER.
2.
android.permission.ACCESS_COARSE_LOCATION – The Coarse location provides less accurate locations when in
battery save mode.
3.
android.permission.ACCESS_WIFI_STATE – To access information about Wi-Fi networks.
4.
android.permission.ACCESS_NETWORK_STATE – To access internet connection via Direct internet
5.
android.permission.INTERNET – for accessing internet, SSL certificate verification.
6.
android.permission.READ_EXTERNAL_STORAGE – To read the saved profile image files from device gallery.
7.
android.permission.SEND_SMS, Telephony – To verify user’s mobile number.
8.
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.
9.
android.permission.CAMERA
– To take picture for customer profile image purpose
10. 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.
11. android.permission. READ_CONTACTS, WRITE_CONTACTS, GET_ACCOUNTS – Getting contact
details to use Mobile to Mobile beneficiary registration
12. android.permission.USE_FINGERPRINT-to provide Bio metric login authentication
13. android.permission. RECEIVE_BOOT_COMPLETED, ACCESS_COARSE_LOCATION,
ACCESS_FINE_LOCATION-to get location details and dependency
14. android.permission. VIBRATE, GPS, ACCESS_NETWORK_STATE- To get internet
information
15. android.permission. READ_PHONE_STATE- To get SIM details for verification
16. android.permission.BLUETOOTH-To Diagnostic plugin
dependency (IOS)
17. android.permission.CALL_PHONE – Making phone call
18. android.permission. VOICE_RECORD-To provide voice assistance service.