o;? Bank of Maharashtra
 
Terms & Conditions

To avail the services offered at www.bankofmaharashtra.in , you must agree to the following terms and conditions:

Please read the term and conditions carefully. While using any current or future services offered by Bank of Maharashtra through its website www.bankofmaharashtra.in , whether or not included in the bankofmaharashtra.in website, you will abide by these Terms & conditions the guidelines and conditions applicable to such service or business.

Privacy Policy
Please review our Privacy Policy, which also governs your visit to www.bankofmaharashtra.in , to fully understand our practices.

Electronic Communication
When you visit www.bankofmaharashtra.in or send e-mails to us, you are communicating with us electronically. By communicating with us, you consent to receive communication from us electronically. We will communicate with you by email or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy the legal requirement that such communication be in writing.

Prices
All prices posted on this website are subject to change without notice. Prices prevailing at commencement of placing the order will apply. Posted prices do not include convenience fee. In case there are any additional charges or taxes the same are as mentioned on the website.

Payment
Online Payment: Card payment and Net Banking Payment via BillDesk Payment Gateway can be done at Online Payment link on Make Payment page.

Refund
Refunds initiated will be credited to the account/card from where the transaction had initiated.

License and Website Access

General:
Bank of Maharashtra grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Bank of Maharashtra

No license for commercial sale:

This license does not include:

  • any resale or commercial use of this website or its content;
  • any collection and use of any product listing, description, or pricing;
  • copying of account information for the benefit of another BANK; or
  • any use of data mining, or similar data gathering and extraction tools

No reproduction:
This website or any portion of this website may not be reproduced, duplicated, copied, sold, visited, or otherwise exploited for any commercial purpose without express written consent of Bank of Maharashtra.

No framing:
Use of this website is not permit the user to frame or to utilize framing technologies to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Bank of Maharashtra and its website www.bankofmaharashtra.in without the express written consent.

Metatags:
The user shall not use any metatags or any other 'hidden text' utilizing Bankbs name or trademarks without the express written consent of Bank of Maharashtra. Any such unauthorized use shall have thhe effect of termination the permission or license granted hereunder by Bank of Maharashtra

Reviews, Comments, Communications, and other content

Nature of content:
Visitors to www.bankofmaharashtra.in may post content and other communications; and submit suggestions, ideas, comments, questions or other information, as long as the content is not illegal(i.e it should not barred by any statute or notification/order of the Government/local body etc which has the force/effect as a statutory direction) , obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third party or objectionable in nature and does not consist of or contains software virus, political campaigning, commercial solicitation, mass mailing or any form of spam.

False information:

The user is bound not to:

  • use false email address,
  • impersonate any person or entity,
  • or otherwise mislead as to the origin of a card or other content.

Bank of Maharashtra reserves the right (but not the obligation) to remove or edit such content although it may not regularly review posted contents.

Rights Granted:
If user posts a content or submits material and unless Bank of Maharashtra indicates otherwise, posting of such content or material, as the case may be, shall be treated as a grant to Bank of Maharashtra a non-exclusive, royalty free, perpetual, irrevocable, and fully sub-licensed right to use, reproduce, modify, adapt, publish, translate, create derivative work from, distribute, and display such content throughout the world in any media. The user grants Bank of Maharashtra the right to use the name that user may submit in connection with such content if Bank of Maharashtra so chooses.

Right Owned:

User represents and warrants:

  • that user own all the rights or otherwise or control all of the rights to the content that the user posts;
  • that the content is accurate;
  • that the use of the content does not violate Privacy policy and will not cause injury to any person or entity and
  • that the user will indemnify & keep indemnified Bank of Maharashtra for all claims resulting from the content the user supply;
  • that Bank of Maharashtra has the right but not the obligation to monitor and edit or remove any activity or content;
  • that Bank of Maharashtra takes no responsibility and assumes no liability for any content posted by a user or any third party.

It made clear that the onus/responsibility as to the correctness or otherwise of the contents of any post made by any person on www.bankofmaharashtra.in is solely that of the person posting the same and Bank of Maharashtra assures no responsibilty/ liability for the same in any manner whatsoever.

Site Policies, Modification, and Severability
Bank of Maharashtra reserves the right to make changes to our website, policies, and these Terms and Conditions at any time at its sole discretion & without any prior notice. If any of these conditions shall become or be deemed invalid, void by operation of law or any statutory order/diection, or for any reason becomes unenforceable, then & in that event such condition shall be deemed severable and will not affect the validity and enforceability of any remaining terms & conditions.

Intellectual Property Rights

Copyright Protection:
All content included on this site, such as text, graphics, logos, button icons, audio clips, digital downloads, data compilations and software, is the property of Bank of Maharashtra and protected by the Indian Copyright law. The compilation of all the content on this site is the exclusive property if Bank of Maharashtra and protected by Indian Copyright law. All software used in this site is the property of Bank of Maharashtra and is protected under the Indian Copyright law.

Trademarks:

  • Protected Marks:
    The website www.bankofmaharashtra.in, and other marks indicated on the website www.bankofmaharashtra.in are registered trademarks of Bank of Maharashtra.
  • Protected Graphics:
    All Bank of Maharashtra graphics, logos, page headers, button icons, scripts and service names are trademarks or trade dress of Bank of Maharashtra. Bank of Maharashtra trademarks and trade dress may not be used in connections with any product or service that is not of Bank of Maharashtra.

Governing Law and Jurisdiction
These terms and conditions will be construed only in accordance with the laws of India. In respect of all matters/disputes arising out of, in connection with or in relation to use of this website and/or these terms and conditions or any other conditions on this website, only the competent Courts at Pune, shall have jurisdiction, to the exclusion of all other courts.

Disclaimer of warranties and Limitation of Liability
THIS SITE IS PROVIDED BY BANK OF MAHARASHTRA ON AN "AS IS" AND "AS AVAILABLE" BASIS. BANK OF MAHARASHTRA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, BANK OF MAHARASHTRA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF BANK ABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BANK OF MAHARASHTRA DOES NOT WARRANT THAT THE SITE, ITS SERVERS, OR EMAIL SENT FROM www.bankofmaharashtra.in ARE FREE OF VIRUS OR OTHER HARMFUL COMPONENTS. BANK OF MAHARASHTRA WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES

PRIVACY POLICY

OBJECTIVE
The Objective of this Policy is to ensure privacy of the information about itsb customers received / obtained by the bank in any form b electronic and / or otherwise.

SCOPE
The policy covers information received / obtained by the bank about customers in electronic as well as any other forms like paper etc. The policy also covers information received/ obtained by the Bank through other sources like received from other Banks during the normal course of business such as Confidential Reports /Statement of account etc.

This policy covers information handling infrastructure like the Hardware, applications, Databases, Operating Systems, Network Assets, any electronic/non electronic device and oral information sharing.

This Policy sets out the basis on which information received / obtained by the bank is processed by the Bank Privacy policy.

DESCRIPTION
As a part of Bankbs commitment to the customers and regulatory requirements, it shall be ensured that privacy of the information received about the customers is maintained which means that it is used properly and kept securely.

Definitions

  • Customer b For the definition, please refer to the KYC Policy of the Bank.
  • bPersonal informationb means any information that relates to The Bankbs Customers, which either directly or indirectly, in combination with other information available or likely to be available with the Bank, and is capable of identifying such Customer. Personal Information may include Customerbs name, age, gender, contact details, email addresses, passport number, Income, PAN, details of nominees, account numbers, types of accounts, type of relationship with Bank, credit ratings, litigation, claims, financial information, physical, physiological and mental health condition, medical records and history, Biometric information, any detail relating to the above clauses as provided to Bank for providing service, and any of the information received by Bank for processing, stored or processed under lawful contract or otherwise and other information that may directly or indirectly identify a particular Customer.
  • Any information that is freely available or accessible in public domain or required to be furnished under the Right to Information Act, 2005 or under any other law for the time being in the force shall not be regarded as Personal information for the purpose of this policy.
  • bProcessing b means any operation or a set of operations whether carried out by automatic means or not that relates to
    • The organization , collation ,storage , updating , modification , alteration or use of personal data
    • The merging , linking , blocking , degradation , erasure or destruction of personal data
  • bPrivacyb means confidentiality of the Personal Information of the Customer of the Bank.
  • bSensitive Personal Informationb b As defined under the IT Act 2000 and rules made there under.

Collection of Personal Information

  • The Bank shall collect Personal Information, as may be required in the normal course of business and permitted by laws and regulations.
  • If the Bank collects other Personal Information, in order to provide better services, the same also shall be classified as bPersonal Informationb as defined in this policy.
  • The Bank shall obtain consent (express or implied) in writing through letter or fax or email from Customer, regarding his knowledge about the purpose of usage of and transfer of information by the bank before collecting such Information.
  • Personal Information shall not be collected unless it is necessary or collected for a lawful purpose or connected with a function or activity or business of the Bank.
  • The Bank may also collect information relating to b
    • Visits to bank website, but not limited to traffic data, location data, web logs, etc
    • Information from third parties such as employers , joint account holders , credit rating agencies , fraud prevention agencies , etc
    • Computer used by the Customer, including IP address, operating system and browser type, for system administration and share the same with third parties. This is statistical data and may not identify any individual.
    • The Customerbs general internet usage by using a bcookie fileb which is stored on the hard drive of the Customerbs computer. This data also may not identify any individual.
  • Following precautions shall be taken while collecting Personal Information to ensure that the Customer understands:
    • That Personal Information is being collected
    • The purpose for which the information is being collected.
    • Relevant details like the name of the person collecting information on behalf of the Bank and the manner in which this information shall be retained.
    • While collecting Personal Information, the Customers shall be given an option to decline providing Personal Information. However, in such cases the Customers shall be clearly informed that they shall not be entitled to certain services or products for which such Personal Information is required.
  • If the Customer provides Personal Information initially and later decides to withdraw the Personal Information, it shall be clearly informed to such Customer that though the Bank shall return the Personal Information, certain services or products for which such Personal Information was required shall be discontinued.
  • Personal Information shall not be retained for period which is longer than the required for the purpose for which it was collected.

Storing of Personal Information

  • Once Personal Information is collected from the Customers, it is the responsibility of The Bank to store it in a secure environment.
  • Personal information is stored on secure servers. Where the Customer has been given a user name, Password / Pin Number , which enables Customer to access some services of the bank , the Customer shall be responsible for keeping this user name, password/ Pin number confidential.
  • In the event of information security breach, The Bank shall be in a position to demonstrate that information security is implemented as per the documented information security policies. To meet this objective, appropriate record of the implementation of Information Security controls should be maintained in such a manner that it would be acceptable as evidence.
  • If the Personal Information is available in physical document form, it shall be kept in protected environment such as physical security system, cupboards, fireproof cabinets, file storing equipment and machines, etc.
  • If the Personal Information is available in electronic format it shall be stored within the Bankbs environment and software systems, which shall be protected with the help of appropriate access controls, passwords, encryption and/or other such reasonable security measures. Personal Information of Customers shall not to be copied, duplicated, or extracted for any purpose other than for the Bankbs operations/legal and/or regulatory requirement.

Modifications to the Personal Information

  • The Bank shall provide facility to Customers to review their Personal Information. In case any changes are required such as address, contact details etc., the Bank shall facilitate customers to make those changes, and ensure that necessary supporting documentation is obtained from the Customers for Bankbs record.
  • The Bank shall ensure that the Customers are clearly informed that the Bank shall not be responsible for the authenticity of the personal information or sensitive personal data or information supplied by the provider of information to The Bank or any other person acting on itsb behalf.
  • Before collecting Personal Information, the Bank shall ensure that the Customer is duly informed that it is purely in their interest to provide current, accurate, complete and valid Personal Information.
  • A copy of Customerbs Information shall be made available if requested by the Customer and the Customer is entitled to have any inaccuracies corrected.

Grievances / Complaints
The Nodal Officer for Public Grievances at Head Office shall be the Grievance Officer for Data Privacy related issues, whose name and contact details shall be provided on the Bankbs website.

The Complaints made to such Grievance Officer shall be redressed expeditiously, as per regulatory guidelines.

Sharing / Transfer of Personal Information

  • In pursuance of the Policy, it shall be the responsibility of The Bank, not to disclose Personal Information of Customers to any third party. However, the Bank may be required to share Personal Information to its Service Providers and Authorized Vendors in order to render service to Customers. In such cases, before sharing any such Personal Information, The Bank shall ensure that a proper Agreement is signed by the recipient Service Providers and Authorized Vendors and they are bound by confidentiality conditions.
  • The Bank shall ensure that such Personal Information shall be transferred / transmitted to other body, corporate or a person in India or abroad, as required in the normal course of business, only when the other entity ensures the same or higher level of data protection that is adhered to, by the Bank.
  • Transfer of Personal Information of customer to other entity shall only be allowed pursuant to a valid contract between the Bank and such other entity which clearly states the need to transfer such Personal Information of itsb Customers.
  • The Bank may disclose personal information to credit reference and fraud prevention and law enforcement agencies and identity and address verification agencies who may record and use Customer Information and disclose it to other organizations for debt tracing, fraud and money laundering prevention purposes.

Permitted Disclosure

  • The Bank shall take prior permission of Customers before disclosing, publishing any Personal Information provided by Customers, unless the bank is required to make such disclosers under compliance of legal obligations.
  • The Bank, shall share Personal Information without obtaining prior consent of Customer to Government agencies mandated under the law to obtain such Information for the purpose of:
    • verification of identity or
    • prevention, detection, investigation of crimes or
    • prosecution and punishment of offences or
    • in national interest
  • The Bank shall disclose Personal Information of Customers, after due verification of the requirement from Government agencies, stating the purpose of seeking such Personal Information and that such information is required for some legal purpose. Moreover, the Bank shall also obtain commitment that the Personal Information so shared shall be used for the purpose for which it is obtained and shall not be published or shared with any other person.
  • Personal Information shall be shared with a third party only as per an order received by the Bank under the prevailing law. Such disclosure of Personal Information shall be done by the Bank, only after receiving a commitment from the third party that it shall not make further disclosures.
  • Personal information shall not be shared with third parties for the purpose of direct marketing unless express consent is obtained from the Customer for the same

Retrieval of Personal Information

  • The Bank shall ensure that the Personal Information retrieved in physical or electronic format, is returned to the secure environment or securely destroyed after the required usage.
  • In case any copy of Personal Information needs to be created for the purpose of the Bankbs operations, it shall be the responsibility of the Bank to store the copies in a secured environment and restore such copies also to the secure environment or destroy securely.

Access of Personal Information
Only the Bank Employees, and employees of the Business Correspondents, Agents, Service Providers who are authorized by the Bank shall be allowed to access the Personal Information; provided a lawful contract is made and their operational duty demands access to such Personal Information on a need-to-know basis.

Prevention of Unauthorized disclosure
Bank shall maintain the following policies and procedures to prevent unauthorized disclosure of information

  1. Policy and procedure to secure the confidentiality of the data, information
  2. Policy and procedure to ensure that access to the data, information is permitted only to such of their managers or employees or designated officers, who are duly authorized for the purpose on a need to know basis;
  3. Policy and procedure to ensure and control, access to the data, information by means of physical barriers including biometric access control and logical barriers by way of passwords;
  4. Policy and procedure to ensure that the passwords used in this behalf is not shared by anyone else than who is authorized in this behalf and the passwords are changed frequently, but on irregular intervals;
  5. Policy and procedure to ensure that the best practices in relation to the deletion and disposal of data, especially where records or discs are to be disposed of off-site or by external contractors, are followed;
  6. Policy and procedure to ensure that the system adopted for the purpose shall provide for protection against an unauthorized modification or deletion of the data, information
  7. Policy and procedure to ensure maintenance of log of all accesses to data, including the following namely:-
    1. The identity of the person seeking access to the data
    2. The date and time of such access;
    3. The identity of the Customer whose data were so accessed; and
    4. The records and entries pertaining to such log is preserved for minimum period as per backup policy/electronic record management policy/guidelines and the same could be available for examination by auditors / or by the Reserve Bank, as the case may be;
    5. Policy and procedure to ensure that the records and entries pertaining to maintenance of log of all unsuccessful attempts to access data end, all incidents involving a proven or suspected breach of security in respect thereof including therein ;
    6. The requisite particulars the records affected, if any and action taken in respect of such access;
    7. Procedure for security incidence reporting and response
    8. Maintenance and review of records and entries of log, on a regular and frequent basis to detect and investigate any unusual or irregular patterns of use of or access to data including creation of the audit trails and verification thereof;

Accidental / Unauthorized Disclosure

  • In case any Bank Employee or Service Provider or Authorized Agent identifies that Personal Information of any Customer is erroneously disclosed in contravention of this Policy, then the entity shall immediately inform such incident through the reporting channel to the Grievance Officer.
  • Depending upon the criticality of the information and itsb impact, the Bank shall take suitable actions in such matters.

Protection under Whistle Blower Policy
If any of the Bankbs Employee, Agent, Service Provider, Authorized Agent, etc, observes that Personal Information of a Customer is being disclosed in contravention of this policy, such person/entity shall be encouraged to inform such incident pursuant to the Whistle Blower Policy of the Bank.
Disposal of Personal Information
The Bank shall destroy Personal Information in its possession, when it is concluded that such information is no longer needed and the bank is not under a legal obligation to retain the information anymore. Due precaution shall be taken prior to destruction of such information.

Payments, Refunds & Cancellation

Payments:

  1. Online Payments can be done using BillDesk
    Online Payment: Card payment and Net Banking Payment via BillDesk Payment Gateway can be done at Online Payment link on Make Payment page.

  2. Problem with any payment: Please talk to us on -

    Toll free Numbers - 1800 233 4526 / 1800 102 2636
    Landline Numbers - 020 24480797
    Helpdesk Timing : Helpdesk is available 24 x 7 x 365
    eMail us @ : mahaconnect@mahabank.co.in

Refunds & Cancellation:
Refunds / Cancellation initiated will be credited to the account/card from where the transaction had initiated.

 
 
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IMPORTANT: Bank of Maharashtra never ask for Bank account details for any purpose through phone call/email/SMS.

Bank appeals to all the customers not to respond to such phone call/email/SMS and not to share their bank account detail with any one for any purpose. Never share your CVV/ PIN No. of Debit/Credit card to anyone.