Privacy Policy
Privacy Policy
Vision Co Operative Society Limited ("we", "our", or "us") provides the Mobile Banking Application ("App"). This Privacy Policy explains how we collect, use, store, and protect your information when you use our services. By accessing or using the App, you agree to the collection and use of information in accordance with this Privacy Policy.
Personal information refers to data that can directly or indirectly identify an individual. This may include:
Full Name
Mobile Number
Email Address
Telephone Number
Account-related Information
Other information provided during registration or service usage
The App may allow users to upload a profile photo or image to personalize their account experience. This information is collected only with the user's consent and is securely stored on our servers.
Anonymous information refers to data that cannot reasonably be used to identify an individual. This may include:
Browser type and version
Device information
IP address
Usage statistics
Aggregated and de-identified data
The App may collect location information from your device when required to provide location-based services, such as locating nearby banking facilities or ATMs.
We use the collected information for the following purposes:
To provide and maintain banking services requested by users.
To authenticate and authorize user access.
To personalize user experience.
To enable profile management features.
To improve our products and services.
To send service notifications, alerts, and updates.
To comply with legal, regulatory, and security requirements.
We are committed to protecting your personal and financial information.
All personal and sensitive information is transmitted securely using encrypted communication channels such as HTTPS.
Login PINs and Transaction PINs are generated and stored in encrypted form for authentication and authorization purposes.
Appropriate technical and organizational safeguards are implemented to prevent unauthorized access, disclosure, modification, or destruction of data.
To ensure user privacy and security, sensitive information such as names, account numbers, and other confidential data is not publicly exposed. Personalized content displayed within the App is generated dynamically and is accessible only to the respective user.
We retain personal information only for as long as necessary to:
Provide services to users.
Maintain user accounts.
Resolve complaints and disputes.
Meet legal and regulatory obligations.
Prevent fraud and financial crimes.
Respond to requests from regulatory authorities.
When personal information is no longer required, it may be securely deleted, destroyed, or anonymized.
The App may integrate with third-party service providers, including but not limited to:
Payment service providers
Authentication services
Cloud hosting providers
Analytics providers
App deployment and notification services
By using the App, you acknowledge that:
Third-party services may have their own privacy policies and terms of use.
We do not control or endorse third-party services.
Any interaction with third-party services is solely between you and the respective provider.
We are not responsible for losses, disputes, or liabilities arising from the use of third-party services.
Third-party integrations may be added, modified, or removed without prior notice.
Permissions: MAPS_RECEIVE, READ_GSERVICES
These permissions help users locate nearby bank ATMs and access location-based banking services.
Permissions: INTERNET, ACCESS_NETWORK_STATE
These permissions enable the App to connect to the internet and monitor network status to ensure uninterrupted banking services.
Permissions: CAMERA, Autofocus
Camera access is required to scan QR codes for payments and other banking-related services.
Permissions: READ_EXTERNAL_STORAGE, WRITE_EXTERNAL_STORAGE
These permissions allow users to download, save, and access PDF account statements on their devices.
Permission: POST_NOTIFICATIONS
This permission enables the App to send important alerts, transaction notifications, service updates, and promotional communications. Users may manage notification preferences through device settings.
Users may register using their mobile number to access accounts linked to that number. During registration, users may be required to provide personal information necessary for identity verification and compliance with applicable banking regulations.
Appropriate security measures are used to verify user identity and protect account access.
The App supports various financial services, including:
Fund Transfers
Mobile Recharges
Bill Payments
Insurance Premium Payments
Other Banking Transactions
To process transactions securely, users may be required to provide account information, authentication credentials, and transaction details. Industry-standard security measures are employed to protect financial information.
The App utilizes Firebase services to deliver:
App update notifications
Service-related alerts
Push notifications
Firebase processes such information securely in accordance with its applicable privacy and security standards.
Our services are not intended for children under the age of 13.
We do not knowingly collect personal information from children under 13 years of age. If we become aware that such information has been collected, we will take immediate steps to delete it. Parents or guardians who believe a child has provided personal information should contact us promptly.
We reserve the right to update this Privacy Policy at any time. Any modifications will be reflected by updating the effective date of this policy.
Users are encouraged to review this Privacy Policy periodically to stay informed about how their information is protected. Continued use of the App after any changes constitutes acceptance of the revised Privacy Policy.
By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
If you do not agree with any part of this Privacy Policy, please discontinue use of the App.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact us:
Email: ravindra.shinde.vcslk@gmail.com