Mobile Banking Privacy Policy.

About Us
“AWDCC BANK”, or “The Akola-Washim District Central Co-operative Bank Ltd.”, or “Bank” means “The Akola-Washim District Central Co-operative Bank Ltd., Akola” registered under the Co-operative Society Act, 1960. Banking License No. RPCD.NAG.D.C.C.B/L/07 and having its registered office at Post Box No. 8, Civil Lines, Akola, Maharashtra, Pin 444001. This Mobile Privacy Policy (“Policy”) applies to users of all mobile banking applications provided by The Akola-Washim District Central Co-operative Bank Ltd. (hereinafter referred to as “the Bank”). The term “The Akola-Washim District Central Co-operative Bank Ltd.” or “AWDCC BANK” or “we”, “us” or “our” in this Policy refers to the Bank and its affiliates or subsidiaries.

This Policy describes how our mobile banking applications — “Akola DCC m-Pay”, “AWDCC BANK CHALLAN PAYMENT”, “Akola-Washim DCCB Fee Collect”, and “The Akola-Washim District COB” (collectively referred to as the Bank’s Mobile Applications) — collect, use, and share information from or about you and explains how such information is protected and managed.

Purpose of the Policy
The Akola-Washim District Central Co-operative Bank Ltd. provides financial and payment- related services through its mobile and/or web applications (collectively referred to as the “Platform”).

This Privacy Policy informs users (“you”, “your”) about how the Bank collects, uses, stores, and protects your personal information when you access or use our Platform and services (“Services”).

By using our Platform and availing our Services, you acknowledge and agree to be bound by the terms and conditions outlined in this Privacy Policy.

When you use any of our mobile applications, we collect and store certain personal information that you voluntarily provide to us from time to time. This information is collected only after we explicitly seek your permission to access the necessary data. Our primary objective in collecting this information is to provide you with a safe, efficient, seamless, and personalized experience. It helps us tailor our services and features to better meet your needs, enhance your overall experience, and continuously improve the quality of services we offer.

We value your privacy and are committed to protecting it in accordance with this Privacy Policy. If you do not agree with this Privacy Policy or any part of it, please refrain from using or accessing our Platform.

Agreement to Policy
By viewing or using any of the Bank’s mobile applications — including Akola DCC m-Pay, AWDCC BANK CHALLAN PAYMENT, Akola-Washim DCCB Fee Collect, and The Akola- Washim District COB — or by using the AWDCC BANK website (https://akolawashimdcc.bank.in) on a mobile device, you consent to this Policy. This includes your consent to disclose and use information about you in the manner detailed herein.

Information Collection, Use, or Sharing
Information that we may collect about you through mobile banking applications includes:
• Information voluntarily provided at the time of registration such as your name, primary account number, alias account, secondary account numbers, mobile number, and other contact details.
• Transaction-related information and usage data generated when you use the mobile applications.

We do not collect additional information associated with your mobile device through cookies or similar technologies. We do not share any of this information with any third party unless required to do so by law or while handling disputes.

Communications
We may use your personal information to contact you with transaction alerts, service notifications, newsletters, promotional messages, or important updates related to the mobile applications or your banking relationship.

Security
We employ several security measures to protect your information. Messages sent by the mobile banking applications use masking features to hide sensitive account information. To prevent misuse of services or unauthorized access, users are required to enter their MPIN / TPIN provided or set by them.

While we adopt commercially acceptable means to secure your data, please note that no electronic storage or transmission method is 100% secure. Therefore, the Bank cannot guarantee absolute security of your data, though every reasonable safeguard is applied.

Mobile Banking Applications and Services
1. Akola DCC m-Pay
The Akola DCC m-Pay mobile application offers customers a comprehensive and secure mobile banking experience. It allows users to manage their bank accounts and perform various financial transactions directly from their smartphones.

Key Features and Services:
• Fund Transfers:
- Transfer funds instantly using IMPS, or schedule payments via NEFT/RTGS.
- Self/Intra-bank transfers are also supported.
- IMPS daily limit: Up to ₹5,00,000 (Five lakh).

• Balance Inquiry & Mini Statement:
- Instantly check your account balance.
- View a mini-statement showing recent transactions for quick account tracking.

• 24/7 Availability:
- Access banking services anytime, anywhere, without time restrictions.

• Security:
- Protected by MPIN authentication.
- Customers are advised to keep login credentials confidential to prevent unauthorized access.

• App Features:
- Manage beneficiaries easily from the app.
- Change MPIN as needed for added security.
- Search for past transactions by date or details.
- In-app customer support is available for user assistance.
- Cheque Status, Stop Cheque.

Getting Started with Mobile Banking:
1. Register your mobile number with your bank branch.
2. Download the official Akola-Washim DCC Bank mobile app from the app store.
3. Follow the in-app registration process, including entering your account details and setting an MPIN.

2. AWDCC BANK CHALLAN PAYMENT
The AWDCC BANK CHALLAN PAYMENT mobile application provides a secure digital platform for online challan payments related to various government and institutional services. It integrates authorized payment gateway solutions and ensures secured transactions as per RBI and institutional guidelines.

Key Features and Services:
• Online challan generation and payment for government and institutional services.
• Integration with secure payment gateways for real-time processing.
• Transaction history and receipt generation for users.
• Data encryption and authentication mechanisms for safety.
• Compliance with RBI, NPCI, and institutional data protection norms.

3. Akola-Washim DCCB Fee Collect
The Akola-Washim DCCB Fee Collect application serves as an online fee collection platform for educational institutions associated with the Bank. It enables students, parents, and institutions to manage fee payments efficiently and securely.

Key Features and Services:
• Online payment of school, college, and institutional fees using secure gateways.
• Instant digital receipt generation and transaction tracking.
• 24/7 access for convenient payments.
• End-to-end encryption ensuring secure data handling.
• Fully compliant with RBI and institutional payment security standards.

4. The Akola-Washim District COB
The Akola-Washim District COB (Customer Onboarding) mobile application is designed for Bank Sales Officers to facilitate customer onboarding and merchant UPI QR code registration.

Key Features and Services:
• Onboarding of new customers and merchants digitally.
• Capture and verification of customer details securely.
• Generation and activation of Merchant UPI QR Codes.
• Role-based authentication and data confidentiality.
• Full compliance with RBI and Bank policies.

Changes to This Privacy Policy
This Privacy Policy is effective from 01/07/2018 and will remain effective except where modified in the future. Any changes to the Policy will become effective immediately after being posted on this page.

Conclusion
The Akola-Washim District Central Co-operative Bank’s suite of mobile applications — Akola DCC m-Pay, AWDCC BANK CHALLAN PAYMENT, Akola-Washim DCCB Fee Collect, and The Akola-Washim District COB — provides a secure, reliable, and user-friendly digital ecosystem for banking, payments, and institutional operations. With strong data protection practices, adherence to RBI and regulatory guidelines, and continuous improvements in technology, the Bank remains committed to safeguarding customer privacy and delivering efficient digital financial services.