1. Introduction

The National Bank for Agriculture and Rural Development (NABARD) was established in 1982 by an act of Parliament. NABARD is synonymous with trust and security in the Indian financial world. It plays a pivotal role in the development of agriculture and rural areas in India by providing financial support and services to enhance the livelihood of rural communities. NABARD's mission is to promote sustainable and equitable agriculture and rural development through innovative financial and non-financial interventions, technology, and institutional development.

2. Privacy Commitment

In line with recognized international practices and for the information of stakeholders and others who visit NABARD's website, we believe it is necessary to post a privacy statement. The information shared with NABARD will be treated as private. Adequate precautions have been taken to protect information relating to stakeholders and their dealings with NABARD from mischievous and fraudulent activities.

3. Stakeholder Confidentiality and Privacy

Stakeholder confidentiality and privacy are of utmost concern to NABARD. Our employees treat the information we have concerning your user accounts in the same responsible and confidential way that we want our own financial affairs treated.

4. Recognition of Your Expectation of Privacy

We recognize that our stakeholders expect privacy and security for their personal and financial affairs. By selecting us for your financial needs, you have entrusted us to safeguard your personal information. We want you to be informed of our commitment to protect the privacy of your personal information with the following privacy principles and practices.

5. Collection of Personally Identifiable Information

We collect information from you regarding name, addresses, email addresses, passport number, income, PAN, details of nominees, etc.

6. Collection of Location Information

With your consent, our website/application may collect and use your device’s location information (via GPS, Wi-Fi, Cellular network) to provide location-based features and services. We only collect location data when necessary and in accordance with your device settings. You may enable or disable location services at any time through your mobile devices.

7. Cookies

A cookie is a data file that certain websites write to your computer's hard drive when you visit such sites. A cookie file can contain information such as a user identification code that the site uses to track the pages you have visited and use the information commercially. We do not use cookies on our website.

8. Use, Collection, and Retention of Stakeholders Information

On our site, we collect, retain, and use information about you only when we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific official purposes.

We use information to:

• 1. Comply with all applicable laws and regulations.
• 2. Help us design or improve our services for your benefit.
• 3. Understand your official needs so that we can provide you with necessary support in carrying out your official duties.
• 4. Comply with laws, guidelines, and regulations that govern the banking services in the country.

9. Accuracy of Stakeholder Information

It is in your interest, and it is our objective, for us to have accurate, current, and complete information concerning you. We have strict procedures that our employees abide by to meet this objective. If you believe that we have incorrect information about you, please email us through the feedback mechanism provided on the website or modify the profile information on the site as permissible. We will correct any erroneous information as quickly as possible.

10. Limiting Access to Stakeholder Information

We have procedures that limit access to personally identifiable information to those employees with a business reason for knowing such information about you. We educate our employees on their responsibility to protect the confidentiality of stakeholder information and hold them accountable if they violate this privacy policy.

11. Security Procedures to Protect Stakeholder Information

We follow best security practices to help prevent unauthorized access to confidential information about you.

12. Disclosure of Stakeholder Information

NABARD does not release stakeholder information except as directed by law or as per your mandate. We do not share specific information about stakeholder accounts or other personally identifiable data with non-affiliated third parties for their independent use unless:

• a. The information is provided to help complete a transaction initiated by you.
• b. You request or authorize it.
• c. The disclosure is required by/or directed by law.
• d. You have been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and have been given the opportunity to decline.

13. Internet Privacy on NABARD's Website

For each visitor to NABARD's website, we collect visitor information along with any information that you volunteer as a stakeholder while using NABARD's website.

14. Links to or from NABARD's Website

NABARD is not responsible for information practices employed by websites linked with our website. Generally, links to non-NABARD websites are provided solely as pointers to information on topics that may be useful to users of NABARD's website.

15. Encrypted Information

Information provided by you on NABARD's website is encrypted or scrambled to secure information.

16. Changes to Privacy Policy

The privacy policy is subject to change periodically.