Data: This refers to all personal data, sensitive personal data or information, transactional data, Derivative Data, any other information, etc., in relation to you/us, including the following (including in relation to past Products):
- Know Your Customer (KYC)/Anti-Money Laundering (AML) data
- Information submitted while making any application or request to the Bank for any Product
- Any transactional data generated during the relationship or as a result of any transaction, statements, entries, logs, related thereto
- Any information obtained/received by the Bank from any other source
- Any Derivative Data
Derivative Data: This includes any credit scores, credit information, behavioral projections, profiling, analytical results, reports (prepared by the Bank internally or other persons) including through any algorithms, analytics, software, automations, profiling, etc., and whether such derivative is from the information collected from you/us or in combination with any other information sourced from any other person, database, or source, whether by the Bank or other persons. The process of arriving at and generation of such Derivative Data involving or through any of the above sub-processes/methods, shall be referred to as "Derivation."
Specified Purposes: This collectively refers to credit assessment, risk assessment, risk analysis, obtaining credit information reports, scores, scrubs, fraud checks, fraud detections, fraud prevention, detecting and preventing crime including crime/terror funding, detecting malpractices or discrepant documents or information, prevention of misuse, assessment of creditworthiness, financial standing, due diligence, background check, physical and other inspections, verifications, obtaining any reports for any of the above, KYC/AML checks, customer service, monitoring, collections, default detection, default prevention, default investigation, recovery, any legal proceedings, actions, inquiries, investigations, pursuing any remedies, enforcing rights, reporting including credit reporting, KYC reporting, default reporting, filing, perfections, etc., whether any of these are undertaken internally or through any credit information company, bureau, service provider, consultant, vendor, agent, fintech entity, co-brand entity/partner, distributor, selling/marketing agent, any partner, other player/intermediary in any ecosystem of which the Bank is a part, TPAP (for whom the Bank acts as PSP bank), collaborator, co-lender, co-originator, merchant, aggregator, lead generator, sourcing entity, client, customer, or other person with whom the Bank has a tie-up or contract for any products or services, person, or through a combination of multiple options. Each of such credit information company, bureau, service provider, consultant, vendor, agent, fintech entity, co-brand entity/partner, person, and their respective service providers, consultants, vendors, etc., is referred to as a "Processing Entity."
Products: These refer to products, services, and/or businesses of the Bank/of subsidiaries/affiliates, or where the Bank/its subsidiaries/affiliates distribute, refer, or act as an agent or act as a sponsor bank or a PSP bank, etc., in relation to any products or services (including where the initiation of any transaction is not directly with the Bank but is with a relevant Processing Entity like in case of a UPI transfer through a TPAP where the account is not with the Bank but it is a PSP bank), whether the Bank is in a direct relationship or indirect relationship through any other intermediary/entity, vis-à-vis you/us, as also if you/we are an authorized signatory or authorized person or representative of a non-individual applicant/customer/user of any services, whether direct or indirect. The Products, which have been applied for/requested by or availed by you/us (including where the initiation of any transaction is not directly with the Bank but is with a relevant Processing Entity like in case of a UPI transfer through a TPAP where your/our account is not with the Bank but the Bank is a PSP bank), shall be referred to as "Requested Products," and the Products (including any future products or services) other than the Requested Products, shall be referred to as "Other Products."
Authorization for Data ProcessingIn connection with assessment or processing of the application/request for any Requested Product, or in connection with execution or furtherance of a contract/transaction, performance by Bank or you/us or any connected persons like guarantors, security providers, other intermediaries, of any contract or part thereof or any regulatory or legal obligations in relation to any Requested Product availed or in pursuance thereof.
For Derivation and sharing any Derivative Data (between Bank and any Processing Entity) in connection with the aforesaid purposes.
Contacting, establishing contact, whereabouts, including through email, postal address, telephone, social media, banners on applications/ electronic platforms, notifications, website, premises of third parties/ other persons.
Deploying any analytics, automated processing, algorithms, robotics, profiling, encryptions, coding, anonymizations, etc., for any of the aforesaid purposes.
Products 
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