Privacy Policy

Privacy PolicyEffective Date: 01/01/2025

Article 1 DEFINITIONS:

• APPLICABLE MOBILE APPLICATION: This Privacy Policy will refer to and be applicable to the Mobile App listed above, which shall hereinafter be referred to as Mobile App
• EFFECTIVE DATE: Effective Date means the date this Privacy Policy comes into force and effect.
• PARTIES: The parties to this privacy policy are the following data controller: The Bank (Data Controller ) and you, as the user of this Mobile App. Hereinafter, the parties will individually be referred to as Party and collectively as Parties
• DATA CONTROLLER: Data Controller is the Party responsible for the collection of information described herein. Data Controller shall be referred to either by Data Controller' name or a Controller
• OPERATOR: Operator is the publisher, owner, and operator of the Mobile App and is the Party responsible for the collection of information described herein, along with Data Controller. Operator shall be referred to either by Operator's name or Operator. If Operator or Operator's property shall be referred to through first-person pronouns, it shall be through the use of the following: us, we, our, ours, etc.
• YOU: Should you agree to this Privacy Policy and continue your use of the Mobile App, you will be referred to herein as either you, the user, or if any second-person pronouns are required and applicable, such pronouns as your, yours , etc.
• PERSONAL DATA: Personal DATA means personal data and information that we obtain from you in connection with your use of the Mobile App that is capable of identifying you in any manner.

Article 2 GENERAL INFORMATION:

This privacy policy (hereinafter Privacy Policy ) describes how we collect and use the Personal Data that we receive about you, as well as your rights in relation to that Personal Data, when you visit our Mobile App and interact with it in any way, including passively. This Privacy Policy does not cover any information that we may receive about you through sources other than the use of our Mobile App. The Mobile App may link out to other websites or mobile applications, but this Privacy Policy does not and will not apply to any of those linked websites or applications. We are committed to the protection of your privacy while you use our Mobile App. By continuing to use our Mobile App, you acknowledge that you have had the chance to review and consider this Privacy Policy, and you acknowledge that you agree to it. This means that you also consent to the use of your information and the method of disclosure as described in this Privacy Policy. If you do not understand the Privacy Policy or do not agree to it, then you agree to immediately cease your use of our Mobile App.

Article 3 CONTACT:

The Party responsible for the processing of your personal data is the Bank. The Bank will also be responsible for running the Mobile App.

Article 4 LOCATION:

The location where the data processing activities take place is as follows:

Vallikkunnu Service Co-operative Bank Ltd. No.M4
Head office Athanikkal, Vallikkunnu P.O, Malappuram Dt 673314
Email : vscbm4@gmail.com

Article 6 THE PERSONAL DATA WE RECEIVE FROM YOU:

• First-time users: You, as a First-time user of the Mobile App, may be asked to register in order to use the Mobile App in a legal manner. During the process of your registration, we will collect some of the following Personal Data from you through your voluntary disclosure: Account Number, Date of Birth / Date of Registration & Mobile number
• Registered User: You, as a registered user of the Mobile App. We will collect a 4 digit Mpin and mobile number for OTP verification.
• Personal Data may be asked for in relation to interaction with our representatives in any way By undergoing the registration process, you consent to us collecting your Personal Data, including the Personal Data described in this clause, as well as storing, using or disclosing your Personal Data in accordance with this Privacy Policy.

Article 7 HOW PERSONAL DATA IS STORED:

We use secure physical and digital systems to store your Personal Data when appropriate. We ensure that your Personal Data is protected against unauthorized access, disclosure, or destruction. Please note, however, that no system involving the transmission of information via the internet, or the electronic storage of data, is completely secure. However, we take the protection and storage of your Personal Data very seriously. We take all reasonable steps to protect your Personal Data. Personal Data is stored throughout your relationship with us. We delete your Personal Data upon request for cancellation of your account or other general request for the deletion of data. In the event of a breach of your Personal Data, you will be notified in a reasonable time frame, but in no event later than two weeks, and we will follow all applicable laws regarding such breach.

Article 8 PURPOSES OF PROCESSING OF PERSONAL DATA:

• Improving your personal user experience
• Communicating with you about your user account with us
• Providing customer service to you

Article 9 DISCLOSURE OF PERSONAL DATA:

• To satisfy any local, state, or Federal laws or regulations
• To respond to requests, such discovery, criminal, civil, or administrative process, subpoenas, court orders, or writs from law enforcement or other governmental or legal bodies
• To bring legal action against a user who has violated the law or violated the terms of use of our Mobile App
• As may be necessary for the operation of our Mobile App
• To generally cooperate with any lawful investigation about our users
• If we suspect any fraudulent activity on our Mobile App or if we have noticed any activity which may violate our terms or other applicable rules

Article 10 MODIFYING, DELETING, AND ACCESSING YOUR INFORMATION:

If you wish to modify or delete any information we may have about you, or you wish to simply access any information we have about you, you may have to contact the corresponding bank/branch.

Article 11 YOUR RIGHTS:

• The right to be informed about the processing of your Personal Data
• The right to have access to your Personal Data
• The right to update and/or correct your Personal Data

Article 12 CONTACT INFORMATION

If you have any questions about this Privacy Policy or the way we collect information from you, or if you would like to launch a complaint about anything related to this Privacy Policy, you may contact us at the following email address: vscbm4@gmail.com