Privacy Policy
Privacy Policy
This Mobile App is provided by Vruddheshwar Multistate Co-Operative Credit Society. This Privacy Policy explains how we collect, use, and protect your information. Please read it carefully. By accessing or using the services provided by Vruddheshwar Multistate Co-Operative Credit Society, you agree to the collection and use of your information in accordance with this Privacy Policy.
“Personal Data” refers to any information that identifies you directly or indirectly. This includes information you provide during registration. Examples include your mobile number, name, email address, telephone number, and similar details.
“Profile Photo/Image” refers to data you upload to personalize or manage your profile. We collect this with your permission and store it securely in our backend systems.
“Anonymous Information” refers to data that does not identify you personally. This may include your browser type, IP address, information gathered through tracking technologies, demographic data, and aggregated or de-identified information.
“Location Information” refers to data collected by mobile applications that determine your physical location. When required, location information is collected through your device’s location features to provide location-based services.
We securely handle all personal and sensitive user data using encryption, including secure transmission methods such as HTTPS.
Login PIN and Transaction PIN are generated and stored in encrypted form for authentication and authorization.
We take strict measures to ensure sensitive personal information such as names or account numbers is not exposed.
Personalized content is generated dynamically to ensure privacy and uniqueness for each user.
We use your personal information for the following purposes:
To provide and manage the services you request.
To use your profile photo/image for identification, personalization, and improved user experience.
To use your contact information internally for:
Product enhancement and service improvements
Sending product-related notifications and updates
We retain your Personal Data as long as necessary to provide services such as account management or addressing concerns. We may also retain information longer if required for legal, regulatory, or legitimate business purposes—such as resolving disputes, combating fraud, or responding to regulator inquiries.
If your information is no longer needed for these purposes, we will delete, anonymize, or securely destroy it.
The App may integrate with third-party services such as payment providers, authentication services, deployment tools, or analytics platforms.
By using the App, you acknowledge that:
Each third-party service may have its own terms and privacy policies. You are responsible for reviewing and complying with them.
We do not control or endorse third-party services and are not liable for any consequences resulting from their use.
Any interactions, including sharing personal or payment information with third-party providers, are solely between you and the provider.
We may add, modify, or remove third-party services at any time without prior notice.
Your use of third-party services is at your own risk, and you agree to indemnify and hold us harmless from any liabilities arising from their usage.
1. To Detect Bank ATMs (MAPS_RECEIVE, READ_GSERVICES)
Allows the App to identify nearby bank ATMs using location-based features.
2. To Detect Internet Connection (INTERNET, ACCESS_NETWORK_STATE)
Required for accessing the internet and verifying network connectivity to ensure proper functioning of online features.
3. To Scan QR Codes (CAMERA, autofocus)
Enables scanning of QR codes for payments and other banking operations.
4. To Download PDF Statements (READ/WRITE_EXTERNAL_STORAGE)
Allows storing and retrieving PDF account statements on the device.
5. To Receive Push Notifications (POST_NOTIFICATIONS)
Enables important updates, alerts, and promotional messages. Users may opt in or out.
Users can register using their mobile number to retrieve associated accounts. This may require submitting personal information as per regulatory guidelines. The App securely verifies and authenticates each user to protect account access.
The App supports fund transfers, bill payments, recharges, insurance payments, and other services. Users may need to provide banking details and authentication to complete these transactions. Industry-standard security measures are used to protect all financial information.
The App uses Firebase services to send update notifications to users. Firebase processes this data securely and ensures timely delivery of updates.
We are committed to maintaining the confidentiality, integrity, and security of your information. Robust safeguards are implemented to prevent unauthorized access, disclosure, or alteration. All sensitive data exchanged between the App and servers is encrypted.
We do not expose sensitive information such as account numbers or personal data. All account-related content is generated securely and uniquely.
This App is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that such information has been provided, we will promptly delete it. Parents or guardians who become aware of such data being shared are encouraged to contact us immediately.
We may update this Privacy Policy at any time. Changes will be reflected with an updated date at the bottom of this page. We encourage users to review this Policy periodically to stay informed about how we protect your information.
By continuing to use the App after updates are posted, you accept the revised policy.
By using this App, you confirm your acceptance of this Privacy Policy. If you do not agree with any part of it, please discontinue using the App. Continued use after changes signifies your acceptance of the updated terms.
If you have any questions about this Privacy Policy or your interactions with this App, please contact us at:
vru.headoffice@gmail.com