The information contained herein is the property of Royal Bank Pacific LTD, its Group companies, Royal Bank Pacific the financial institutions and may not be copied, used or disclosed in whole or in part, stored in a retrieval system or transmitted in any form or by any means (electronic, mechanical, reprographic, recording or otherwise) outside of Royal Bank Pacific LTD and Group companies Group without prior written permission.

OBJECTIVE :-
Royal Bank Pacific LTD and its Group companies (“Royal Bank Pacific”) recognize the importance of safeguarding nonpublic personal information of customers and other users of web resources of Royal Bank Pacific (“Users”). Royal Bank Pacific is committed to retaining the trust of Users by using such information responsibly. Safeguarding this information and using it in a lawful manner consistent with individuals’ expectations is a cornerstone of our customer relationships. This policy (“Policy”) states the Royal Bank Pacific principles and requirements governing the collection, usage, retention, disclosure and disposal of User’s information. The implementation of this Policy meets all applicable legal requirements as of the date of its last revision. New laws and regulations relating to privacy continue to be passed and adopted. Royal Bank Pacific entities will be required to comply with any obligations or standards these new laws and regulations may impose, in addition to those set forth in this Policy..

SCOPE :-
The Policy establishes a minimum level of protection for User’s information. User’s information is to be collected, used, retained, disclosed and disposed of by all Royal Bank Pacific entities in accordance with the Policy throughout the life-cycle of the information..

COMMITMENT TO PRIVACY :-
In using Royal Bank Pacific web resources, Users consent to the collection and use of their information by Royal Bank Pacific and consent to the terms of the Policy. Royal Bank Pacific respects the privacy of the Users of its websites and web resources and is committed to protect it in all respects. The information about the User collected by Royal Bank Pacific is: (a) information supplied by Users and (b) information automatically tracked while navigation.

– To avail certain products / services on Royal Bank Pacific websites, Users are required to provide certain information viz. name, address, email address, sex, age, PIN code, phone/mobile numbers, occupation, interests, etc.

-To improve the responsiveness of the websites for Users, Royal Bank Pacific may use “cookies”, or similar electronic tools to collect information by assigning each visitor a unique random number (User ID) to understand the User’s individual interests. Unless User’s voluntarily identify themselves (through data input on website, for example), Royal Bank Pacific will have no way of knowing the identity of the Users, even if cookies are assigned to User’s computer.

-The only personal information a cookie can contain is information supplied by Users. A cookie cannot read data off hard drive of Users.

WEB SERVERS :-
Web Servers of Royal Bank Pacific automatically collect limited information about User’s computer’s connection to the internet, including IP address. IP address is a number that lets computers attached to the internet know where to send data. IP addresses are not linked by Royal Bank Pacific to any personal information. In rare instances, IP addresses may be used to assist in deterring and/or preventing abusive or criminal activity on the Royal Bank Pacific website. This information is used to deliver Royal Bank Pacific web pages to Users upon request, to tailor our website to the interests of our Users, to measure traffic within our site and let us know the geographic locations from where Users access the web pages.

Royal Bank Pacific web resources may include links to other websites. Such sites are governed by their respective privacy policies, which are beyond control of Royal Bank Pacific. Once a User leaves Royal Bank Pacific servers, use of any information provided by User is governed by the privacy policy of the operator of the site User is visiting, which may differ from the Policy of Royal Bank Pacific. If you can’t find the privacy policy of any of these sites via a link from the site’s homepage, you should contact the site directly for more information. A provision of the link to third party web resources does not constitute an endorsement, approval, warranty or any form of association by or with Royal Bank Pacific or any of its affiliates. Royal Bank Pacific is not responsible for these third party web resources and accepts no liability whatsoever for them. Users should therefore remain alert when they leave Royal Bank Pacific site and read the privacy statements of other websites carefully. Royal Bank Pacific has no control over data that is submitted to these third parties and access to the data on such websites is at User’s own risk.

DISCLOSURE TO THIRD PARTIES:-
Royal Bank Pacific does not sell trade or rent personal information of Users to others.

When Royal Bank Pacific uses other agents, contractors, corporations or business partners to perform services on its behalf or as part of a joint promotion, Royal Bank Pacific will ensure that this entity protects the User’s personal information in a manner, which is consistent with this Policy. We never disclose information about a User to any other person or organization without consent unless there is an emergency that requires it or Royal Bank Pacific is legally compelled to do so.

The User authorizes Royal Bank Pacific to exchange, share, part with all information related to the details and transaction history of the Users to its affiliates / banks / financial institutions / credit bureaus / agencies / telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Royal Bank Pacific liable for use or disclosure of such information.

INFORMATION COLLECTION AND USE:-
Royal Bank Pacific may use the information provided by Users for one or more of the following purposes:

To process, confirm and fulfil requests of Users regarding our products and services or transactions made using Royal Bank Pacific Online Banking

To process, confirm and fulfil requests of Users regarding our products and services or transactions made using Royal Bank Pacific Online Banking

To contact Users regarding their enquiries and requests.

To identify Users for login.

For our own marketing purposes and partner promotions, such as sending you.

Updates on our latest offers and promotions, however, promotional communication is sent to User only if voluntarily agreed.

For identification and verification purposes.

For website customisation.

To conform to legal requirements or comply with legal processes.

To protect and defend Royal Bank Pacific’s or its affiliates’ rights, interests or property.

To enforce the terms and conditions of the products or services offered by Royal Bank Pacific or

Such other purposes expressly specified in the data entry forms or other relevant sections of the web resources of Royal Bank Pacific.

DATA SECURITY
Royal Bank Pacific endeavours to safeguard and ensure the security of the information provided by the Users. Royal Bank Pacific uses 128-bit digital certificate from Verisign for encryption of the Secure Sockets Layer (SSL) session. 128bit-SSL is the highest level of commercially available security for encrypted communication. Royal Bank Pacific uses Secure Socket Layer (SSL) protocol – an industry standard for encryption over the internet to protect the data of Users. When you type in sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the internet. Royal Bank Pacific permits only authorized employees, who are trained in the proper handling of User’s information, to have access to that information.

NOTIFICATION OF CHANGES IN POLICY:-
If there is any change or amendment to the Policy; we will post those changes on our web site so that Users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we would notify Users by suitable medium. We will use User’s information in accordance with the privacy policy under which the information was collected.