1. Introduction & Trust Commitment

At **Swasti Kuber Souhard Sahakari Sangh Niyamit**, we are committed to protecting the privacy and personal data of our share members, depositors, and loan applicants. Governed by the Karnataka Souhard Sahakari Act and our ISO 9001:2015 Quality Standards, this privacy policy details how we collect, store, and secure your financial and personal data.

2. Collection of Personal & KYC Information

To deliver computerized financial services, we collect necessary personal details under standard regulatory banking laws:

• Identity proof: Aadhaar Card, PAN Card, passport photographs.
• Address details: utility utility bills, election voter cards, matching local branches.
• Financial declarations: tax returns, salary credit slips, or land ownership papers (for high-limit mortgage or home loan sanctions).
• Gold ornament descriptions: weights, purities, and evaluation receipts.

3. Data Storage & Vault Security

We maintain extremely high physical and digital security protocols to preserve member data and physical assets:

• Digital Ledger Security: Our computerized core banking ledger is stored behind private firewalls. Account details are not shared with any third-party marketing entities.
• Physical Vault Custody: All gold ornaments deposited against Gold Loans or Gold Purchase plans are cataloged under safe double-lock lockers within structural concrete bank vaults.
• Active SMS Alerts: Every credit or debit transaction triggers an immediate SMS notification to your registered mobile number, protecting you from unverified actions.

4. Shareholder Information Auditing

As a registered Souhard Sahakari cooperative, our ledger balances, deposit accounts, and share capital ledgers are audited annually by certified state government cooperative department auditors. We release annual reports at our general body member meetings, maintaining total transparency.

5. Contact Our Data Compliance Officer

If you have questions about your account privacy status, KYC verification details, or vault protection rules, contact our chief executive officer at our Ugar Head Office: