Privacy Policy
Last updated: 11-07-2023
Axis Bank Limited ("us", "we", or "our") operates Kochi1 App (the “App”). This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.
We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.
Information Collection and Use
We may collect information about you in a variety of ways. The information we may collect on the App includes:
Personal Data
Personally identifiable information, such as your name, email address, and mobile number, and demographic information, such as your age, gender, and occupation. You are under no obligation to provide us with personal information of any
kind, however your refusal to do so may prevent you from using certain features of the Site and the App.
Derivative Data
Our servers automatically collect information when you access the App, such as your device name and type, your operating system, your phone number, your country, and other interactions with the server log files, as well as any other information
you choose to provide.
Mobile Device Data
Device information, such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access the Site from a mobile device.
Financial Data
Financial information, such as data related to your payment method (e.g. valid credit card number, card brand, expiration date) that we may collect when you purchase, top-up, return, or request information about our services from the App.
We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor and you are encouraged to review their privacy policy and contact them directly for
responses to your questions.
Mobile Application Information
If you connect using our mobile application:
- Geo-Location Information. We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using our mobile application, to provide location-based services. If
you wish to change our access or permissions, you may do so in your device’s settings.
- Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device’s [bluetooth, location, storage, calendar, camera, contacts, microphone, reminders, sensors,
SMS messages, social media accounts, storage,] and other features. If you wish to change our access or permissions, you may do so in your device’s settings.
- Mobile Device Data. We may collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
- Push Notifications. We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.
USE OF YOUR INFORMATION
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the App to:
- Create and manage your account.
- Administer promotions and offers.
- Compile anonymous statistical data and analysis for use internally or with third parties.
- Deliver targeted advertising, offers, coupons, and other information regarding promotions and the App to you.
- Email you regarding your transactions when requested by you.
- Fulfill and manage ticket purchases, top-up, payments, and other transactions related to the App.
- Increase the efficiency and operation of the App.
- Monitor and analyze usage and trends to improve your experience with the App.
- Notify you of updates to the App.
- Offer new products, services, updates, and/or recommendations to you.
- Perform other business activities as needed.
- Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
- Process payments and refunds.
- Request feedback and contact you about your use of the App.
- Resolve disputes and troubleshoot problems.
- Respond to product and customer service requests.
- Solicit support for the Site.
- Make suggestions about nearby metro stations, bus stops, offer outlets, etc. using geo-location services.
Disclosure of Your Information
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information
as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.
Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance or ticket or ride
booking through Kochi1 app.
Marketing Communications
With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.
Affiliates
We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that
we control or that are under common control with us.
Business Partners
We may share your information with our business partners to offer you certain products, services, or promotions.
Social Media Contacts
If you share content to Social Media using the App/Site, your contacts on the social network will see your name, profile photo, and descriptions of your activity.
Other Third Parties
We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with such third parties for marketing purposes, as permitted by law.
We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails, or
other communications from third parties, you are responsible forcontacting the third party directly.
Website Analytics
We may also partner with selected third-party vendors, such as Google Analytics, to allow tracking technologies and remarketing services on the App through the use of first-party cookies and third-party cookies, to, among other things,
analyze and track users' use of the App, determine the popularity of certain content, and better understand online activity. By accessing the App, you consent to the collection and use of your information by these third-party vendors.
You are encouraged to review their privacy policy and contact them directly for responses to your questions. We do not transfer personal information to these third-party vendors.
Third-Party Websites
The Site [and our mobile application] may contain links to third-party websites and applications of interest, including advertisements and external services that are not affiliated with us. Once you have used these links to leave the App,
any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites,
you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website and should take those steps necessary to, in your discretion, protect the privacy of your information. We are
not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services, or applications that may be linked to or from the App.
Security of Your Information
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts,
no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized
parties. Therefore, we cannot guarantee complete security if you provide personal information.
Policy for Children
We do not knowingly solicit information from or market to children under the age of 12. If you become aware of any data we have collected from children under age 12, please contact us using the contact information provided below.
Contact Us
If you have questions or comments about this Privacy Policy, please contact us at Transitapp.support@axisbank.com.
Safe Banking
Axis Bank is steadfast about protecting your finances and privacy and preserving your trust. We also request you to do your part in safeguarding your information. Whenever you’re using internet banking services, keep certain precautions
for online banking in mind for a secure banking experience. For safe banking, install firewall and antivirus services on your PC, log-off your account after use, change your passwords regularly, and never write down your passwords
or provide your information to telemarketers.
Precautions for Online Banking
Keep these tips in mind while banking online:
- Avoid using internet banking on shared computers and public places like cafés and libraries.
- Always remember to log-off on internet banking and close your browser when you have finished your online banking.
- Disable the 'AutoComplete' function within your browser.
- Install firewall and anti-virus software and keep it up to date to help detect and disable malicious software.
Guidelines to Create a Strong Password
A strong password is the key to secure your bank account and protect your personal details from hackers, and a good password is the one that is extremely difficult to guess by any human or machine. This password strength can only be achieved
by making it complicated by incorporating the following characteristics:
Characteristics of Strong Passwords
- Make your passwords long. Have at least 8 characters.
- Use a mixture of characters including both uppercase and lowercase letters.
- A mixture of letters and numbers will make the password even stronger.
- Add at least one special character, like ., !, @, #, ?.
While everyone tries their best to create a strong password, there are always some loopholes that can make such passwords weak and susceptible to risk. Following are some examples:
Examples of Weak Passwords
- If the password is a word that can be found in any dictionary, in any language (e.g., cylinder or cilindro).
- A series of characters on a keyboard (e.g., qwerty or poiuy).
- A series of characters or in a repeated manner (e.g., CCCC or 12345).
- Personal information like birthdays, Aadhaar number, names of pets, friends, addresses).
Creating a strong password is not the only thing to keep your bank account secure forever; the next step is to maintain a strong password for a long period of time. Here are some important tips to do that:
Tips for Keeping Your Password Secure
- Keep changing your password once every three to six months.
- Immediately change your password if you have the slightest suspicion that the password is being accessed by someone else.
- Never save passwords or use them on unofficial websites.
- Avoid typing it on computers that you do not trust; for example, in an Internet café.
- Never save it for a web form on a computer that you do not control or that is used by more than one person.
- Never tell it to anyone.
- Never write it down.
Make Sure Your Account Information is Safe
- Change your internet banking password regularly and never disclose it to anyone.
- Always use strong passwords with alphanumeric characters that cannot be easily guessed, and for multiple accounts, use different passwords.
- Do not write them down.
- Do not give your account information to telemarketers or to callers claiming to confirm or verify your account information.