Privacy Policy

Effective Date: 16/06/2025

 

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: Vallapuzha Service Co-operative Bank Ltd. (referred to as “Data Controller” or “Controller”)

• You, the User: As the user of this Mobile App.

Collectively, these shall be referred to as the “Parties” and individually as “Party.”

DATA CONTROLLER:
The entity responsible for the collection and processing of information under this Privacy Policy is Vallapuzha Service Co-operative Bank Ltd.

OPERATOR:
The publisher, owner, and operator of the Mobile App, who along with the Data Controller, is responsible for the information collected herein, shall be referred to as “Operator,” “we,” “us,” or “our.”

YOU:
The user of the Mobile App, referred to as “you,” “the user,” or similar second-person pronouns.

PERSONAL DATA:
Any information obtained from you via the Mobile App that can identify you in any manner.

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Article 2 – GENERAL INFORMATION:

This Privacy Policy describes how we collect and use your Personal Data when you interact with our Mobile App, including any passive use. It does not cover data obtained from other sources. The Mobile App may contain links to third-party sites or applications, which are not governed by this Privacy Policy.

By using our Mobile App, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree, you must immediately cease using the Mobile App.

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Article 3 – CONTACT:

The Party responsible for processing your Personal Data is:
Vallapuzha Service Co-operative Bank Ltd.

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Article 4 – LOCATION:

Data processing activities take place at the following location:

Vallapuzha Service Co-operative Bank Ltd.
Vallapuzha P.O, Palakkad Dt., Kerala 679336
Email: vallapuzhascb@gmail.com

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Article 6 – THE PERSONAL DATA WE RECEIVE FROM YOU:

Depending on your use of the Mobile App, the following Personal Data may be collected:

• First-time Users: Account Number, Date of Birth/Date of Registration & Mobile Number.

• Registered Users: 4-digit MPIN & Mobile Number for OTP verification.

By registering or interacting with our representatives, you consent to the collection, storage, use, and disclosure of your Personal Data as outlined in this policy.

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Article 7 – HOW PERSONAL DATA IS STORED:

We use secure digital and physical systems to store your Personal Data. While no online system is 100% secure, we take all reasonable steps to protect your data from unauthorized access, disclosure, or destruction.

Data is stored for the duration of your relationship with us and deleted upon account cancellation or request. In the event of a breach, you will be notified within two weeks or as required by law.

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Article 8 – PURPOSES OF PROCESSING PERSONAL DATA:

Your Personal Data may be used for:

• Improving user experience

• Communicating about your account

• Providing customer support

• Market research or marketing (with non-identifiable data)

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Article 9 – DISCLOSURE OF PERSONAL DATA:

Your Personal Data may be disclosed under these circumstances:

• Compliance with laws or regulations

• Response to legal processes (court orders, subpoenas, etc.)

• Protection of our rights or enforcement of our Terms

• Prevention of fraud or unlawful activity

• Cooperation with lawful investigations

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Article 10 – MODIFYING, DELETING, AND ACCESSING YOUR INFORMATION:

To modify, delete, or access your Personal Data, please contact your corresponding bank/branch.

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Article 11 – YOUR RIGHTS:

You have the following rights regarding your Personal Data:

• To be informed about processing

• To access your data

• To update/correct your data

These rights can be exercised by contacting us at the details provided below.

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Article 12 – CONTACT INFORMATION:

For any questions, concerns, or complaints regarding this Privacy Policy, please contact:

Email: vallapuzhascb@gmail.com