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Data Protection Legislation means the EU General Data Protection Regulation 2016/679 ("GDPR"); together with all other applicable and national implementing legislation relating to privacy or data protection; and where we use the terms "personal data", "data subject", "controller", "processor" and "process" (and its derivatives), such terms shall have the meanings given to them in the Data Protection Legislation.
ICICI Bank is committed to keeping your personal data private. We shall process any personal data we collect from you in accordance with Data Protection Legislation and the provisions of this Privacy Notice. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the GDPR, ICICI Bank Limited, Singapore Branch and ICICI Bank UK PLC (together called “ICICI Bank”) shall be the joint data controller of your information. This means that we are responsible for deciding how we hold and use your personal data. We are required under Data Protection Legislation to notify you of the information contained in this Privacy Notice.
ICICI Bank will collect and process your personal data you provide us through application forms, our website, face-to-face and electronic communication (including telephone conversations) and other documents in order to provide our services to you.
We are permitted to process your personal data in compliance with Data Protection Legislation by relying on one or more of the following lawful grounds:
Specifically, we and our other group companies may use your information for the following purposes and under the following legal bases:
For assessment, testing (including systems tests),analysis (including credit and/ or behaviour scoring), statistical, market and product analysis and market research.
We may carry out automated anti-money laundering and sanctions checks. This means that we may automatically decide that you pose a fraud or money laundering risk if the processing reveals your behaviour to be consistent with that of known fraudsters or money launderers, is inconsistent with your previous submissions, or you appear to have deliberately hidden your true identity.
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk: (i) we may refuse to provide the services you have requested, or we may stop providing existing services to you; and (ii) a record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services or employment to you.
We keep all your personal data confidential. However, in order to be able to service your needs to the best of our ability, we may share any information you provide to us with our group companies and their agents, counterparties and support service or data providers, wherever located. If you have provided information to other members of our group, those entities may also share that information with us. We will ensure that if we share such information with third parties, any such disclosure is at all times in compliance with Data Protection Legislation.
To help us provide services, your data will be processed internally and externally by other third parties. We use third parties for administrative, servicing, monitoring of your data. We will outsource some services to third parties whom we consider capable of performing the required processing activities ensuring that there is no reduction in the service standard provided to you by us.
The recipients or categories of recipients, of your information may be:
For further information, please refer to respective product specific terms and conditions and application form.
Information about you in our possession may be transferred to other countries outside the European Economic Area (particularly to our parent company in India and our booking centre i.e. ICICI Bank Limited, Singapore Branch) for any of the purposes described in this Privacy Notice.
You understand and accept that these countries may have differing (and potentially less stringent) laws relating to the degree of confidentiality afforded to the information it holds and that such information can become subject to the laws and disclosure requirements of such countries, including disclosure to governmental bodies, regulatory agencies and private persons, as a result of applicable governmental or regulatory inquiry, court order or other similar process. In addition, a number of countries have agreements with other countries providing for exchange of information for law enforcement, tax and other purposes.
If we or our permitted third parties transfer your information outside the European Economic Area in (for example as part of outsourcing), we or they will impose contractual obligations on the recipients of that data to protect such information to the standard required in the European Economic Area.
If we transfer your information outside the European Economic Area in other circumstances (for example because we have to provide such information by law), we will use best endeavours to put in place appropriate safeguards to ensure that your information remains adequately protected.
We will keep the information we collect about you on our systems or with third parties for as long as required for the purposes set out above or as required to comply with any legal obligations to which we are subject.
However, we may retain your information, or information relating to your account beyond the statutory timelines after you cease to be a customer for longer than statutory timeline, provided it is necessary for a legal, regulatory, fraud prevention or other legitimate business purpose.
All information you provide to us is stored in our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know basis. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.
We may communicate with you via electronic mail (e-mail) or other channels.We will never ask you for your password.
When you contact us through any of our communication channels including visiting a local branch or calling the telephone banking service, we will verify your identity by asking you a number of questions based on information known to us about you and the transactions on your account. We may record your calls for training, quality and security purposes.
We and other members of our group may use your information from time to time to inform you by letter, telephone, text (or similar) messages, email or other electronic means, about similar services which may be of interest to you or them.
You may, at any time, request that we cease or do not send such information by one, some or all channels, by contacting us using the contact details set out below.
Under certain circumstances, by law you have the right to:
Any request for access to or a copy of your personal data must be in writing and we will endeavour to respond within a reasonable period and in any event within one month in compliance with Data Protection Legislation. We will provide this information free of charge unless the request is manifestly unfounded or excessive. We will comply with our legal obligations as regards any individual’s rights as a data subject.
If you would like to contact us in relation to any of the rights set out above please contact us using the following contact details. To protect your privacy and security, we may take reasonable steps to verify your identity before providing you with the details.
1) Mr. Sandip Agarwal, The Data Protection Officer, ICICI Bank UK PLC, One Thomas More Square, London, E1W 1YN.
2) Data Protection Officer, ICICI Bank Limited, Singapore Branch, 9 Raffles Place, # 50-01 Republic Plaza, Singapore 048619 by emailing at email@example.com
You have the right to lodge a complaint with a supervisory authority, in particular in the Member State of your habitual residence, place of work or place of the alleged infringement if you consider that the processing of personal data relating to you infringes this Regulation.
The content or services mentioned on our website may be changed in future and consequently this Privacy Notice may also change. Any changes we may make to this Privacy Notice in the future will be posted on this page and where appropriate, notified to you by email. We recommend that you re-visit this page regularly and inform us if you do not agree to any term mentioned here.