Privacy Policy for KDBUz Mobile v2

This page is used to inform Mobile application users regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that Bank collect is used for providing and improving the Service. Bank will not use or share your information with anyone except as described in this Privacy Policy.

Who is covered under this Policy?

All natural persons (hereinafter "Individual Clients"), whose personal information is either collected/ received/ possessed/ stored/ dealt in/ handled by JSC KDB Bank Uzbekistan who uses the bank’s mobile applications and who provide information to JSC KDB Bank Uzbekistan (hereinafter "Bank") online, are covered under this Policy.

Information Collection and Use

For a better experience, while using our Service, Bank may require you to provide us with certain personally identifiable information. The information that Bank request will be retained by us and used as described in this privacy policy. This Policy seeks to cover personal information of the Individual Clients provided to JSC KDB Bank Uzbekistan as also any information collected by the bank server from the visitor’s mobile application. The ("Information"), i.e. any of the following.

1. Personal/private information of the Individual Clients

"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a legal entities, is capable of identifying such person. This information is being accessible to the Bank by providing data by Individual Clients into mobile applications and/or provided by paper form.
2. Sensitive personal data or information

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:-

financial information such as Bank account(s);

card(s) number, expiry date and/or other payment instrument details;

password;

biometric information;

images including photographs, location, email id and address.

Provided that, any information that is freely available or accessible in public domain or furnished under the Regulation of Republic of Uzbekistan or any other law for the time being in force shall not be regarded as sensitive personal data or information for these purposes.

The Features of the Policy

All Information collected shall be used for the relevant lawful purposes:

(i) Connected with various functions or activities of the Bank related to services in which the Individual Client is interested, and/or,
(ii) To help determine the eligibility of the Individual Clients for the product/services requested/ applied/ shown interest in, and/or,
(iii) To enable Bank for verification and/or process applications, requests, transactions and/or maintain records as per internal/legal/regulatory requirements with regard to the Individual Clients and
(iv)To provide the Individual Client with the best possible services/products as also to protect interests of Bank

Bank may also share your Information, without obtaining your prior written consent, with government agencies mandated as per local legislation to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance purposes.

The Information will not be shared with any external organization unless the same is necessary to protect the interests of the Bank or to enable the Bank to provide you services or to enable the completion/compilation of a transaction, reporting purposes, or the same is necessary or required pursuant to applicable banking norms or pursuant to the terms and conditions of the Bank account agreement or pursuant to any requirement of law/regulations or any Government/court/other relevant authority’s directions/orders according to local legislation. Needless to add, confidentiality norms as applicable to banks shall be adhered to. The Bank may also share Information to provide you with superior services and a range of offers.

Log Data

Bank want to inform you that whenever you use our mobile applications or in a case of an error in the applications Bank collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Service Providers

For achieving all tasks in mobile applications Bank may employ third-party companies and individuals due to the following reasons:

To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.

Bank want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use any information for any other purpose.

Security

Bank value your trust in providing us your Personal Information, thus Bank are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and Bank cannot guarantee its absolute security. Bank may in the future implement encryption of the cookies.

Other important information

Information provided by you are retained (for later of the) (i) as long as the purposes for which such data were collected continue. Or (ii) for such period so as to satisfy legal, regulatory or accounting requirements or to protect Bank's interests. The Individual Clients have authorized the Bank to exchange, share, part with all information related to the details and transaction history of the Individual Clients to its Affiliates / banks / financial institutions / credit bureaus / agencies, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold The Bank liable for use or disclosure of this information.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, Bank strongly advise you to review the Privacy Policy of these web sites. Bank have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to This Privacy Policy

Bank may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. Bank will notify you of any changes by posting the new Privacy Policy on this page. The Bank also may disclose information about you as permitted or required as per local legislation. These changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us. Contact phone number (78) 120-80-00, ask to connect with Digital Banking Department.

Effective Date 1st July, 2023