Privacy Policy

At DCB Bank Limited (DCB Bank, we, our, or us), we value your privacy and, accordingly, this privacy policy (“Privacy Policy”) has been drafted to protect and process the information shared by you. This Privacy Policy explains the details of the collection, processing and disclosure of your “Personal Information” as collected by DCB Bank on its “Platform” to offer and provide products and services.

This Privacy Policy is to be read in conjunction with DCB Bank’s Terms and Conditions available at https://www.dcb.bank.in/terms-and-conditions and Disclaimers available at https://www.dcb.bank.in/disclaimer. It is clarified that this Privacy Policy applies to the Platform and the “Services”, and is to be read in conjunction with, and not in derogation of any other terms, notifications and policies that may apply to and be periodically published on the Platform and/or communicated to you by DCB Bank via SMS, e-mail or courier.
 

By accessing, downloading and/or using the Services or any of the Platforms, regardless of the device or internet-enabled resource used by you to access such Service or Platform, you expressly consent to the processing of your personal data by DCB Bank as per the terms of this Privacy Policy.

If you do not agree with the terms of this Privacy Policy, you are requested to immediately cease your access to and use of any of our Platform and/or Service. Your continued use of the Platform and/or Service indicates your acceptance of the terms set out in this Privacy Policy.
 

We collect, use, store, transfer, or otherwise process personal data about you to provide you with, or in connection with, access and use of our Platform and/or Service, to the extent permissible under applicable laws. Such personal data includes:

• Identity and Account Data: This includes your name, phone number, email address, passwords, or similar identifiers.
• Marketing and Communications Data: This includes your preferences in receiving marketing messages from us and our third parties, and your communication preferences.
• Technical Data: This includes data such as your internet protocol address, browser type and versions, time zone settings, operating systems, device information, other technology that you use to access and use the Platform, and details of other applications installed on your devices.
• Usage Data: This includes information about how you interact with the Platform and its interface for the purpose of feedback and analytics.
• Financial Data: This includes information such as your credit or debit card information or other payment instrument details.
• Interaction Data: This includes information specific to your interactions with the Platform, such as queries you submit, timestamps of exchanges, session duration, and any preferences or feedback you provide.

We are required to collect your personal data to provide you with access to the Platform. In certain cases, we may collect personal data to comply with our obligations under law, or under the Terms. If you fail to provide us with such personal data as and when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Platform). In this case, we may have to limit your access to or use of the Platform (or part thereof).

We may also collect, use, and share aggregated data, such as statistical or demographic data, for any purpose. Aggregated data could be derived from your personal data, but is not considered personal data under applicable laws. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific feature on the Platform.
 

DCB Bank collects the personal information from you in the following manner:

• Information you provide us: This is the information you choose to provide when you access or use the Platform, or by:
  • registering for any of our Services on the Platform.
  • submitting an enquiry on the Platform or contacting DCB Customer Care.
  • clicking on any advertisement of DCB Bank on any third-party platforms.
• Information we collect about you and your device: Each time you visit the Platform; we will automatically collect your personal data, including device and usage data. We collect this data using cookies and other similar technologies.
• Information we receive from other sources, including third parties and publicly available sources: We may receive personal data about you from various third parties such as analytics providers, advertising networks, search information providers, and other publicly available sources.
   

Cookies are small data files containing information that are automatically stored on your device when you visit the Platform. DCB Bank uses cookies to optimise the browsing experience for you. You may, at any time, disable cookies on your browser by visiting the settings and blocking cookies or by clearing your cache regularly. However, disabling cookies:

• will limit your browsing experience on the Platform, for instance, DCB Bank will not be able to provide you with tailored advertisements on the Platform based on your browsing experience on third-party sites.
• will limit the Platform’s functionality, for instance, auto-suggesting and remembering your preferences.
• may affect your ability to access certain functions and features, and services on the Platform.

DCB Bank collects the following cookies when you access the Platform through a device:

• strictly necessary cookies which are essential for the functional running of the Platform.
• Performance cookies, which monitor the Platform’s performance to provide you with a tailored experience on the Platform. DCB Bank collects anonymised data relating to the manner in which you use the Platform to optimise the browser experience for you.
• Functionality cookies, which DCB Bank utilises to remember your choices and preferences (such as your username, preferred language, etc.).
• Advertising cookies, which DCB Bank uses to tailor advertisements visible to you on the Platform based on your interests and websites you may have visited.
   

• DCB Bank will only collect your information for lawful purposes where the collection of your information is necessary to provide you with DCB Bank’s products and services.
• Please note that the submission of your information to the Platform and your acceptance of this Privacy Policy will have an overriding effect on any registration of your mobile number with the National Do Not Call Registry of the Telecom Regulatory Authority of India.
• DCB Bank collects your information for the purposes outlined below:
  • to validate a registered user of the Platform;
  • to send you information pertaining to the Platform and with respect to your use of DCB Bank’s products and services through e-mail, courier and SMS;
  • to send you messages and e-mails carrying promotional materials and marketing surveys;
  • to conduct credit checks;
  • to provide you with financial services and products best suited to your needs;
  • to process grievances raised by you against DCB Bank and/or the Platform;
  • to the extent necessary to ensure compliance with applicable laws;
  • to administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations;
  • to deliver content to you;
  • to monitor trends and perform statistical analysis so we can improve the Platform and/or Services, including through surveys;
  • to improve our business and delivery models;
  • to perform our obligations that arise out of the arrangement we are about to enter or have entered with you;
  • to enforce our Terms;
  • to respond to court orders, establish or exercise our legal rights, or defend ourselves against legal claims;
  • to detect and protect us against error, fraud, money laundering and other criminal activities;
  • to investigate, prevent, and take action against illegal or suspected fraud or money laundering activities and conduct forensic audits;
  • to address your grievances, feedback, or inquiries; and
  • to detect, respond and recover from cybersecurity incidents.
     

DCB Bank uses and employs all reasonable technical, organisational, logical and physical security practices and procedures to protect your personal information against any unauthorised access, damage, modification, disclosure, impairment and/or misuse.
 

We may share your personal data with third parties set out below for the purposes set out above:

• trusted third parties such as our associate partners, and service providers that provide services for us or on our behalf. This includes hosting and operating our Platform, providing marketing assistance, conducting our business, and transmitting content; 
• analytics service providers and advertising networks that conduct web analytics for us to help us improve the Platform. These analytics providers may use cookies and other technologies to perform their services; 
• other registered users on our Platform upon your request or where you explicitly consent to such disclosure, unless otherwise required by law; and
• regulators and other bodies, as required by law or regulation.
   

We comply with applicable laws in respect of the storage and transfer of personal data. As a part of your use of the Services, the information and personal data you provide to us may be transferred to and stored in countries other than the country you are based in. This may be undertaken if any of our servers are, from time to time, located in a country other than the one you are based in, or if one of our service providers is located in a country other than the one you are based in.

By submitting your information and personal data to us, you agree to the transfer, storage, and processing of such information and personal data in the manner described above.
 

Under certain circumstances and subject to applicable laws and the Terms, you may have certain rights in respect of your personal data, such as the right to review and correct your personal data, or revoke or deny consent.

To know the process, please visit our “Ways to Bank” section on the DCB Bank website.
 

You agree and acknowledge that your personal data will continue to be stored and retained by us for as long as necessary to fulfil our stated purpose(s) in compliance with applicable laws.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and applicable legal requirements and limitation periods.

Upon completion of the retention period for each category of personal data as described above, we shall delete or destroy, to the extent technically possible, personal data in our possession or control, or render the personal data into anonymised data, so that it no longer constitutes personal data, in which case we may use this information indefinitely without further notice to you.
 

We keep our Privacy Policy under regular review and may amend it from time to time, at our sole discretion. The terms of this Privacy Policy may change, and if they do, these changes will be posted on this page and, where required by applicable laws, notified to you.
 

If you have any questions regarding the Privacy Policy, or security of your personal information, or if you have any concerns, requests, or comments, please visit our “Ways to Bank” section on the DCB Bank website.

This Privacy Policy was last updated on 6th November 2025 at 1500 hours.