This Privacy Policy explains how EKTA CO OPERATIVE CREDIT SOCIETY LTD ("Ekta Co-operative Credit Society", "the Society", "we", "us" or "our") collects, uses, discloses and protects personal information when you visit ektacreditcoop.site (the "Website"), submit an enquiry, or otherwise interact with us. It also describes the choices you have about your information.
Registered office: Ground Floor, 2, Asha Niwas, Kisan Nagar No. 3, Road No. 22, Wagle Estate, Thane, Maharashtra 400604
Phone: +91 84199 48341
Constitution: Co-operative Society
By using the Website or submitting your details to us, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Website or provide your information.
1. Scope and applicable law
This Policy is published in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (to the extent in force), together with the applicable co-operative society regulations of the State of Maharashtra. It applies to information collected through the Website, by telephone, by SMS, by email and in person at our office.
2. Information we collect
2.1 Information you provide to us
- Enquiry form details: your full name, mobile number, email address (optional), the service you are interested in and any message you write.
- Membership and account information: if you apply for membership or open a deposit or loan account, we collect the information required by our by-laws and applicable law, such as identity proof, address proof, photographs, PAN and other KYC (Know Your Customer) documents, nominee details, income and employment details and bank details.
- Communications: records of calls, SMS, emails and correspondence between you and us.
2.2 Information collected automatically
- Technical data: IP address, browser type, device type, operating system, referring pages, pages viewed and the date and time of your visit.
- Cookies and similar technologies: the Website may use essential cookies and third-party services (such as embedded maps) that set their own cookies. See Section 8.
We do not knowingly collect information from individuals under 18 years of age through the Website.
3. How we use your information
We use personal information for the following purposes:
- To respond to your enquiry and contact you about deposit schemes, loans, membership, quotes and related services;
- To process membership applications and open and operate deposit and loan accounts;
- To verify your identity and comply with KYC, anti-money-laundering and other legal and regulatory obligations;
- To send service communications, reminders, statements and important notices;
- To send promotional or informational messages, where you have consented (see Section 4);
- To improve the Website, maintain security, detect fraud and prevent misuse;
- To maintain records as required by the Society's by-laws and applicable law.
4. Consent to calls, SMS and email communications
When you submit the enquiry form on the Website, you are asked to tick a consent box that reads:
"I agree to receive calls, SMS messages and emails from Vividbloom Enterprises Pvt Ltd about my enquiry, quotes and services at the number and email provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help at any time. Consent is not a condition of purchase. I have read and agree to the Privacy Policy and Terms & Conditions."
By ticking this box you expressly consent to receiving calls, SMS messages and emails from the Society and from Vividbloom Enterprises Pvt Ltd, our authorised communication and enquiry-management partner, at the number and email address you provided. Please note:
- Message frequency varies depending on your enquiry and the services you are interested in.
- Message and data rates may apply as per your mobile operator's plan.
- Opting out: you may reply STOP to any SMS to stop receiving messages. You may also ask us to stop calling or emailing you by contacting us using the details in Section 12.
- Help: reply HELP to any SMS for assistance, or call +91 84199 48341.
- Consent is not a condition of purchase, membership or any service. You may still contact us by phone or in person without giving this consent.
Your mobile number and SMS opt-in consent will not be shared with or sold to any third party for their own marketing purposes.
5. Legal basis for processing
We process your personal information on the basis of: (a) your consent; (b) the performance of a contract or the steps necessary before entering into a contract (such as membership or a loan agreement); (c) compliance with our legal and regulatory obligations; and (d) our legitimate interests in operating, securing and improving the Society and the Website, provided these are not overridden by your rights.
6. How we share your information
We do not sell your personal information. We may share it only with:
- Vividbloom Enterprises Pvt Ltd, who assists us with managing website enquiries and communicating with prospective members, strictly for the purposes described in this Policy;
- Service providers such as web hosting, email, SMS gateway and IT support providers who process data on our behalf under confidentiality obligations;
- Regulators and government authorities, including the Registrar of Co-operative Societies, tax authorities and law-enforcement agencies, where required by law;
- Auditors, legal advisers and professional consultants bound by duties of confidentiality;
- Any other party with your explicit consent.
7. Data security
We implement reasonable security practices and procedures, including physical, electronic and managerial safeguards, to protect your personal information against unauthorised access, alteration, disclosure or destruction. Enquiry data submitted through the Website is transmitted over an encrypted connection (HTTPS) where available. However, no method of transmission over the internet is completely secure and we cannot guarantee absolute security.
8. Cookies and third-party content
The Website uses only essential cookies needed for it to function. We embed a Google Maps frame to show our office location; Google may set cookies and collect usage data in accordance with its own privacy policy. You can control cookies through your browser settings, although disabling them may affect some features of the Website.
9. Data retention
We retain enquiry data for as long as necessary to respond to and follow up on your enquiry, and thereafter for a reasonable period for record-keeping. Membership, deposit and loan records are retained for the periods required by the Society's by-laws, co-operative society regulations, tax laws and other applicable laws, after which they are securely deleted or anonymised.
10. Your rights
Subject to applicable law, you have the right to:
- Access the personal information we hold about you;
- Request correction of inaccurate or incomplete information;
- Withdraw consent for marketing communications at any time (reply STOP to SMS or contact us);
- Request erasure of your personal information where we have no legal obligation to retain it;
- Raise a grievance regarding our handling of your information.
To exercise any of these rights, contact us using the details in Section 12. We may need to verify your identity before acting on your request and will respond within the time permitted by law.
11. Links to other websites
The Website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites and encourage you to read their privacy policies.
12. Contact and grievance officer
If you have any questions, requests or complaints regarding this Privacy Policy or our handling of your personal information, please contact:
Grievance Officer
Ekta Co-operative Credit Society Ltd.
Ground Floor, 2, Asha Niwas, Kisan Nagar No. 3, Road No. 22,
Wagle Estate, Thane, Maharashtra 400604
Phone: +91 84199 48341
13. Changes to this Policy
We may update this Privacy Policy from time to time. The revised Policy will be posted on this page with an updated "Last updated" date. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Policy.