Privacy Policy for UAE Region

Axis Bank Limited and its affiliates, subsidiaries, group companies and representative offices (collectively, the Bank) recognize the expectations of its customers with regard to privacy, confidentiality and security of their personal information that resides with the Bank.

Keeping personal information of customers secure and using it solely for activities related to the Bank and preventing any misuse thereof is a top priority of the Bank.

The Bank has adopted the privacy policy aimed at protecting the personal information entrusted and disclosed by the customers [“the Policy”]. This policy explains the way in which the Bank collects, uses, discloses, stores, secures and disposes of personal information (as defined below), including sensitive personal information.

Definitions

”Personal Information” means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Bank, is capable of identifying such person.

The categories of Personal Information collected and used includes the following:

• Identity information such as name, date of birth, national ID details, passport details, photograph;
• contact details such as email address, contact number, postal address;
• socio-demographic details such as nationality, marital status, education and qualification;
• social Relationships details such as your father’s name, mother’s name, spouse’s name;
• occupation/ employment details such as your work, profession or occupation and salary or income;
• financial details such as your financial statements, tax return documents, credit score, credit/ debit card details, passbook, bank account details, etc;
• geographical or location details such as IP address, CCTV data, etc;
• device details such as IMEI number, make and model of your mobile phone, apps used and contacts;
• behavioural and usage details such as how you use certain products and services;
• communications details such as communication done through letters, emails, live chats, SMS, instant messages, conversations between us;
• sensitive personal data such as religion, bio-metric data, health related data; and
• username and password

To the extent the data protection law of India applies, any information that is freely available or accessible in public domain (shall not be regarded as sensitive personal data or information for the purposes of this policy. 

Applicability

This Policy is applicable to personal information and sensitive personal data or information collected by the Bank directly from the customer or through the Bank’s online portals, mobile apps and electronic communications as also any information collected by the Bank’s server from the customer’s browser.

Purpose of Collection and Processing of Personal Information

The Bank collects and uses the financial information and other personal information from its customers. This information is collected and used for specific business purposes or for other related purposes designated by the Bank or for a lawful purpose to comply with the applicable laws and regulations. The Bank shall not divulge any personal information collected from the customer, for cross selling or any other purposes.

All Information collected shall be used for the relevant lawful purposes connected with various functions or activities of the Bank related to services in which the User is interested, and/or to help determine the eligibility of the User for the product/services requested/ applied/ shown interest in and/or to enable Bank the User verification and/or process applications, requests, transactions and/or maintain records as per internal/legal/regulatory requirements and shall be used to provide the User with the best possible services/products as also to protect interests of Axis Bank.

Disclosure of Personal Information

The User acknowledges (and where required by applicable data protection law, authorises) that Axis Bank exchanges, shares, parts with all information related to the details and transaction history of the User including to its Affiliates / banks / financial institutions / credit bureaus / agencies/ service providers/ business partners/ advisors/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not (to the extent permitted by applicable data protection law) hold Axis Bank liable for use or disclosure of this information. The Bank may also share information with transferees and assignees (actual and potential) / joint account holders, trustees, beneficiaries or executors / anyone who provides instructions or operates any a User’s accounts on the User’s behalf/ any other person or organization after a restructure, sale or acquisition / and statutory and regulatory bodies and authorities (including central and local government) and law enforcement authorities, investigating agencies and entities or persons, to whom or before whom it is mandatory to disclose the personal data as per the applicable law, courts, judicial and quasi-judicial authorities and tribunals, arbitrators and arbitration tribunals.

The recipients of this information may be located outside the territory in which the Bank and/or the user are located. Where this is the case, the Bank shall put in place appropriate safeguards to ensure that information remains adequately protected as required by applicable data protection law.

The Bank

The customer shall provide accurate and complete information to the Bank. authenticity of the personal information provided by the customer shall not be the responsibility of the Bank.

 Automated decision making

The Bank may use automated decision-making processes in the following ways:

• Credit checks: If a User applies to the Bank for a product, the application may be processed by an automated decision-making process which may carry out credit and affordability assessment checks to determine whether the application will be accepted. Where these automated processes suggest that the application should be rejected, the Bank may manually review your application before making a final decision.
• Credit limits: the Bank may also use automated processes to decide credit limits.
• Anti-money laundering and sanctions checks: The Bank may also carry out automated anti-money laundering and sanctions checks. This means that the Bank may automatically decide that a User poses a fraud or money laundering risk if the processing reveals a User’s behavior to be consistent with that of known fraudsters or money launderers, is inconsistent with a User’s previous submissions, or a User appears to have deliberately hidden their true identity. If the Bank, or a fraud prevention agency, determine that a User poses a fraud or money laundering risk: (i) the Bank may refuse to provide the services the User has requested, or the Bank may stop providing existing services to the User; and (ii) a record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services or employment to the User.

Reasonable Security Practices and Procedures

The Bank shall take reasonable steps and measures to protect the security of the customer’s personal information from misuse and loss, un-authorized access, modification or disclosure.
The Bank maintains internal policies and processes in place to respond to incidents impacting the security of personal information, including notifying applicable authorities and Users as required by applicable data protection law.

Storage of Personal Information

The Bank will keep personal information on its systems or with third parties for as long as required for the purposes set out above based on the Bank’s retention policies. Information may be retained beyond the expiry of our transactional or account-based relationship with a User:

• as required to comply with any legal and regulatory obligations to which the Bank is subject; or
• ii. for the establishment, exercise or defence of legal claims

Rights in relation to Personal Information

Depending on where the Bank and/or a User is located, certain rights may be available under applicable data protection law including the rights to request access, rectification, erasure, restriction and objection to Personal Information. Users may also have the right to complain to their applicable data protection authority.
In order to exercise a right, Users should contact the Bank as per the “Contact Information” section below. The Bank will usually check a User’s entitlement to a right and shall respond accordingly.

Contact Information

In order to address any discrepancies or grievances related to the personal information residing with the Bank, the customer may
visit:  https://www.axisbank.com/contact-us/grievance-redressal

Notice of change

The Bank may, from time to time, change this Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Cookie policy

Axis Bank’s digital platforms use various third party services to promote bank's products and services. These third party services use cookies which are downloaded to your device when you visit a website in order to provide a personalized browsing experience. Cookies are used for lots of tasks like remembering your preferences & settings, provide personalized browsing experience and analyze site operations. These cookies collect information about how users use a website, for instance, how often visited pages. All information collected by third party cookies is aggregated and anonymous. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her device / browser settings. Axis Bank is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

Last Reviewed Date

05^th March 2026