Privacy Policy
Privacy Policy
The Mobile Application is provided by VISHWAVINAYAK MULTI STATE COOPERATIVE CREDIT SOCIETY LTD. This Privacy Policy explains how we collect, use, and protect your information. By accessing or using our services, you agree to the terms outlined in this policy.
“Personal Data” refers to any information that can directly or indirectly identify an individual. This may include, but is not limited to:
Name
Mobile number
Email address
Telephone number
Profile Photo/Image:
We may collect and store your profile photo with your permission to help personalize and manage your account.
Anonymous information refers to data that cannot be used to identify an individual. This may include:
Browser type
IP address
Device information
Aggregated or de-identified data
Demographic details
Our mobile application may collect your location data through your device (with your consent) to provide location-based services such as finding nearby bank ATMs.
We ensure that all personal and sensitive data is:
Stored securely
Encrypted during transmission using HTTPS
Protected using industry-standard security practices
Login PINs and transaction PINs are securely generated and stored in encrypted format for authentication and authorization purposes.
We use your information to:
Provide and improve our services
Personalize user experience
Verify user identity
Send important notifications and updates
Your profile image may be used for identification and enhancing your experience within the app.
We retain your Personal Data only for as long as necessary:
To provide services
To comply with legal or regulatory requirements
To resolve disputes and prevent fraud
Once the data is no longer required, it will be securely deleted, destroyed, or anonymized.
The app may use third-party services such as:
Payment gateways
Authentication providers
Analytics tools
Please note:
These services operate under their own privacy policies
We are not responsible for third-party practices or data handling
Your interactions with such services are at your own risk
The app may request the following permissions:
Location Services (MAPS_RECEIVE, READ_GSERVICES): To locate nearby bank ATMs
Internet Access (INTERNET, ACCESS_NETWORK_STATE): To enable online services
Camera (CAMERA): To scan QR codes for payments
Storage (READ/WRITE_EXTERNAL_STORAGE): To download and store PDF statements
Notifications (POST_NOTIFICATIONS): To send alerts and updates
Users can register using their mobile number. Required personal information is collected in compliance with banking regulations. Secure authentication mechanisms are used to protect user accounts.
The app supports services such as:
Fund transfers
Mobile recharges
Bill payments
Insurance payments
All transactions are secured using industry-standard protocols to protect financial information.
We use Firebase services to send notifications related to app updates. Firebase processes data securely in accordance with its privacy standards.
We implement strong security measures to safeguard your information against:
Unauthorized access
Data breaches
Alteration or disclosure
Sensitive data is encrypted and never exposed publicly.
Our services are not intended for children under the age of 13. We do not knowingly collect personal data from children. If such data is identified, it will be promptly deleted.
We may update this Privacy Policy from time to time. Users are encouraged to review this page periodically. Continued use of the app indicates acceptance of any updates.
By using this application, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the app.
If you have any questions or concerns regarding this Privacy Policy, please contact us at:
Email: vishwavinayakmultistate@gmail.com