1) Information We Collect

We collect personal information directly from you when you apply to avail of any of our financial services. This may include:

• Identity & Contact: full name, address, phone number, email ID
• KYC Identifiers: Aadhaar number, PAN
• Demographic & Financial: date of birth, occupation, income details, nominee information
• Other data required under KYC norms as per RBI and cooperative society regulations
• Biometric data, only if mandated or permitted by law

2) How We Use Your Information

The information we collect is used strictly for lawful purposes related to our operations, including:

• Verifying your identity and complying with KYC/AML requirements
• Processing applications for savings/fixed deposits and evaluating loan eligibility
• Maintaining updated member records and administering accounts
• Complying with statutory/regulatory requirements and audits
• Sending relevant notifications or account-related communication
• Improving service quality and managing operational/credit risk

3) Sharing of Information

We do not sell, rent, or trade your personal information. We may share data:

With government and regulatory authorities (e.g., Registrar of Cooperative Societies, RBI, tax authorities, credit information companies) as required by law or compliance obligations

With professional partners, auditors, IT service providers, or agents working on our behalf, bound by strict confidentiality obligations

4) Data Security

Your data is stored securely using appropriate administrative and technical safeguards designed to prevent unauthorized access, misuse, or loss, including password-protected systems, restricted access to sensitive data, and compliance with data protection practices. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security in the event of unforeseen cyber threats.

5) Data Retention

We retain personal information for as long as required for the purposes described above or as mandated by applicable law. Retention enables us to comply with legal obligations, resolve disputes, and enforce agreements.

6) Changes to This Policy

We may update this Privacy Policy based on changes in law, technology, or our practices. Any changes will be communicated through official notices or via our website. Continued use of our services after updates constitutes acceptance of the revised policy.

Last updated: 18 August 2025

By submitting my details, I override my NDNC registration and authorize SAMATA PATASANSTHA 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.