Privacy Policy

UNITED COMMERCIAL BANK PLC
GULSHAN AVENUE, DHAKA-1212 BANGLADESH
VERSION: 1.0
NOV- 2023

Table of Contents

1. Statements of Practices and Policies
2. Applicability
3. Accuracy
4. Purpose of collection and Usage of Personal Information
5. Disclosure/ Sharing of Information
6. Security Practices
7. Amendments
8. Response to Enquiries and Complaints
9. Website Links

1. Statements of Practices and Policies

Customer privacy is important to United Commercial Bank PLC (UCB). The term “UCB”, “Bank” or “we”, “us” or “our(s)” in the mobile/online banking application we own and control and in this Policy refers to UCB. Bank conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information Bank collect, use and share is protected. Bank recognizes that one of its fundamental responsibilities is to ensure that the Bank protects personal information entrusted to the Bank by its customers. This is critical for the maintenance of the Bank’s reputation and for complying with its legal and regulatory obligations to protect the Bank’s customer information.

The Policy is in compliance with the Bangladesh Bank ICT Security guideline v4 and The Bankers’ Book Evidence Act, 1891 and Bank Company Act, 1991.

2. Applicability

This Policy is applicable to personal information collected by the Bank directly from the customer or through the Bank’s online portals, electronic communications as also any information collected by the Bank’s server from the customer’s browser. Types of personal information Bank may collect online:

• Contact information such as name, mailing address, email address, telephone and mobile number(s).
• Account Application information such as credit and income information.
• Identifiers such as National Identity Card (NID), account number(s), driver’s license number (or comparable) or other information that identifies you for ordinary business purposes.
• Access authorization such as user ID, alias, PIN and password, OTP and security questions and answers.
• Documents or images submitted via our website or Mobile Apps to support account opening, such as statements and voided checks, QR for QR payments/transactions, and any similar documents or images.
• Debit/Credit Card Information such as card number, client ID, expiration date, billing address.
• Log Data: As is true of most websites, we gather certain information automatically and store it in log files. This information includes IP addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to maintain and improve the performance of the Services.
• Permission: For better experience, UCB banking apps or digital platforms may require access to some information such as Location, Camera etc. and we will be taking permission from you while you use the app or digital platform service.
• Cookies: If you decide at any time that you no longer wish to accept cookies from our services for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser’s technical information. If you do not accept cookies, however, you may not be able to use all portions of the Services or all functionality of the Services.
• Social Media: Social media applications/sites that are owned by third parties unaffiliated with UCB, customers shall independently be guided by their privacy policies and Bank has no control over them. UCB is not responsible for the privacy or security at these applications/ sites or other third party sites that may be linked to/ from within our social media channels. UCB does not endorse and is not responsible for any content, products, ads, advice, recommendations, opinions or other material of third party sites that may be promoted via advertising within any social media properties.

3. Accuracy

The Bank shall have processes in place to ensure that the personal information residing with it is complete, accurate and current. If at any point of time, there is a reason to believe that personal information residing with the Bank is incorrect, the customer should inform the Bank in this regard. The Bank shall correct the erroneous information as quickly as possible.

4. Purpose of collection and Usage of Personal Information

The Bank shall use the information collected to manage its business and offer an enhanced, personalized online experience on its website. Further, it shall enable the Bank to:

• Process applications, requests and transactions
• Maintain internal records as per regulatory guidelines
• Provide services to customers, including responding to customer requests
• Comply with all applicable laws and regulations
• Recognize the customer when he conducts online banking
• Understand the needs and provide relevant product and service offers

5. Disclosure/ Sharing of Information

The personal information collected by the Bank shall not be disclosed to any other organization except:

• Where the disclosure has been agreed in a written contract or otherwise between the Bank and the customer;
• Where the Bank is required to disclose the personal information to an affiliate/ third party/ service provider on a need-to-know basis, for providing services/ related activities, provided that in such case the Bank shall inform such affiliate/ third party /service provider of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of the Bank.
• To statutory and regulatory authorities on their specific request as per rules in force.

6. Security Practices

• Protecting the confidentiality of customer information is very important to us. Bank have established appropriate physical, electronic, and procedural safeguards to protect information we collect from or about our users. These safeguards are regularly reviewed to protect against unauthorized access, disclosure and improper use of your information and to maintain the accuracy and integrity of that information.
• User IDs and passwords are used to help safeguard against unauthorized access to your information through the Banking Application or Web. As always, we strongly encourage you to assist us in that effort by not sharing your UCB Online Banking User ID and Passcodes with anyone.
• Bank takes reasonable security measures to help protect your information, both during transmission and once we receive it. Bank continuously reviews and enhances its security policies and security measures to consistently maintain a high level of security.
• Your account's password serves as its key. Utilise distinct digits, letters, and special characters as the platform was intended, and keep your account password private. If you do divulge your password or personal details to third parties, keep in mind that you are in charge of any activities made under your account's name. You can lose a lot of control over your account and personal information if you forget your password, and you might also be vulnerable to legally binding acts being performed on your behalf.

7. Amendments

The Bank shall reserve the right to change or update this Policy or practice, at any time with reasonable notice to customers on Bank’s website so that customers are always aware of the information which is collected, for what purpose Bank uses it, and under what circumstances, if any, Bank may disclose it.

By virtue of this privacy policy, the customer assents to collection, use, transfer, disclosure, retention and other processing of her/his personal information, including sensitive personal information, as described in this Policy.

8. Response to Enquiries and Complaints

The Bank shall encourage customer enquiries, feedback and complaints which shall help it identify and improve the services provided to the customers.

Should you also have any questions concerning this Privacy Policy, please do not hesitate to contact our Call Centre or e-mail us, at the contact number and address as specified below:

CUSTOMER SERVICE HOTLINE (DOMESTIC): 16419
CUSTOMER SERVICE HOTLINE (INTERNATIONAL): +88-09610016419
complaint@ucb.com.bd

Complaints if any relating to any matter herein can be made and sent to the following address and/or by contacting us by telephone and/or facsimile at the following numbers:

Bulus Center
Plot - CWS- (A)-1; Road No - 34
Gulshan Avenue, Dhaka-1212
E-mail: complaint@ucb.com.bd

9. Website Links

Please note that https://www.ucb.com.bd or https://unet.ucb.com.bd/ or https://www.ucb.com.bd/support/complaint-cell or https://udb.ucb.com.bd/AOS/ websites may contain hyperlinks to other websites not operated by us. A link to such websites is not an endorsement of the contents of such websites and we make no warranties as to the information contained in such websites. We are not responsible for the contents, or the privacy practices, of these websites.

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