PRIVACY POLICY

1. Introduction

This Privacy Policy explains how VIB (“VIB”, “we”, “our”, or “us”) collects, uses, stores, and protects information when users access our website, services, or digital platforms.

By using the Platform, you consent to the practices described in this Privacy Policy.

VIB is committed to handling user information responsibly and in accordance with applicable Indian data protection and digital commerce regulations.

2. Scope of This Policy

This Privacy Policy applies to:

  • Website visitors

  • Service requestors

  • Customers

  • Subscribers

  • Community participants

This policy governs information collected through:

  • Website forms

  • Service request submissions

  • Email communication

  • Digital interactions

  • Payment-related processes (processed through third-party gateways)

This policy does not apply to third-party platforms that users may access independently.

3. Categories of Information Collected

VIB may collect the following categories of information:

3.1 Personal Identification Information

  • Full name

  • Email address

  • Phone number

  • City / Country (if provided voluntarily)

This information is typically collected when a user:

  • Submits a service request

  • Contacts support

  • Subscribes to communications

3.2 Transaction-Related Information

When a payment is made through a third-party gateway, we may receive limited transactional data such as:

  • Transaction ID

  • Payment confirmation status

  • Date and amount of payment

VIB does not store or directly process sensitive payment details such as:

  • Full card numbers

  • CVV numbers

  • UPI PIN

  • Net banking credentials

Such sensitive financial data is processed securely by the respective payment gateway provider.

3.3 Technical and Usage Data

When users access the website, certain technical data may be automatically collected, including:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Pages visited

  • Time spent on pages

  • Referring URLs

This data is collected for analytics, security, and service optimization purposes.

3.4 Communication Data

We may retain records of:

  • Email correspondence

  • Support messages

  • Chat communications

  • Service confirmations

These records are maintained for operational, compliance, and dispute resolution purposes.

4. Voluntary Information Disclosure

Users may voluntarily provide additional information when:

  • Submitting detailed service requirements

  • Uploading documentation

  • Participating in promotional activities

  • Communicating specific technical needs

Users are responsible for ensuring that the information they provide is accurate and lawful.

5. Information We Do Not Intentionally Collect

VIB does not intentionally collect:

  • Biometric data

  • Government identification numbers (unless legally required)

  • Financial passwords

  • Sensitive authentication credentials

Users are advised not to share highly sensitive personal data unless specifically required for legitimate service processing.

6. Purpose of Data Collection

VIB collects and processes user information strictly for legitimate business and operational purposes, including but not limited to:

  • Processing service requests

  • Providing digital assistance and support

  • Communicating with users

  • Confirming transactions

  • Responding to inquiries

  • Maintaining service records

  • Improving platform functionality

Information is collected only to the extent reasonably necessary to provide services efficiently and securely.

7. Service Delivery & Operational Use

Personal and transactional information may be used to:

  • Verify service requests

  • Confirm payment status

  • Deliver digital services

  • Provide follow-up support

  • Resolve disputes

  • Maintain documentation for compliance purposes

Communication records may be retained as evidence of service delivery where required.

8. Legal Basis for Processing

VIB processes personal information on the basis of:

  1. User Consent
    When users voluntarily submit their information through forms or service requests.

  2. Contractual Necessity
    When processing is required to fulfill a service requested by the user.

  3. Legitimate Business Interest
    For maintaining service quality, preventing fraud, ensuring compliance, and improving platform performance.

  4. Legal Compliance
    Where required under applicable Indian laws, taxation rules, or regulatory obligations.

9. Payment-Related Processing

All payment transactions are processed through authorized third-party payment gateway providers.

VIB receives limited payment-related information necessary to:

  • Confirm transaction success

  • Reconcile service records

  • Respond to payment disputes

  • Maintain accounting compliance

Sensitive financial data is handled directly by the payment gateway provider and is subject to their independent privacy and security policies.

10. Marketing & Communication Use

VIB may use contact information to:

  • Respond to user inquiries

  • Provide service updates

  • Share important policy changes

  • Send relevant service-related announcements

VIB does not sell personal data to third parties for marketing purposes.

Users may opt out of non-essential communications where applicable.

11. Fraud Prevention & Risk Monitoring

Information may be used to:

  • Detect suspicious activity

  • Prevent misuse of services

  • Investigate fraudulent transactions

  • Respond to chargeback claims

  • Maintain operational security

In such cases, VIB may retain necessary records for compliance and dispute defense.

12. Data Storage & Retention

VIB stores user information only for as long as reasonably necessary to:

  • Provide requested services

  • Maintain service records

  • Comply with legal and tax obligations

  • Defend against disputes or claims

  • Prevent fraud or misuse

Retention periods may vary depending on:

  • Nature of the service

  • Transaction records

  • Legal compliance requirements

Where information is no longer required, it may be securely deleted or anonymized.

13. Data Security Measures

VIB implements reasonable technical and organizational safeguards designed to protect user information from:

  • Unauthorized access

  • Alteration

  • Disclosure

  • Misuse

  • Loss

Security measures may include:

  • Secure hosting infrastructure

  • Restricted administrative access

  • Encrypted communication channels (where applicable)

  • Password-protected internal systems

  • Monitoring of suspicious access attempts

While VIB takes reasonable precautions, no internet-based system can guarantee absolute security. Users acknowledge inherent digital risks associated with online platforms.

14. Access Control & Internal Handling

Access to user information is limited to authorized personnel strictly on a need-to-know basis.

VIB does not permit unauthorized sharing of user data within internal systems.

Administrative access credentials are controlled and regularly monitored.

15. Third-Party Service Providers

VIB may rely on third-party service providers for:

  • Website hosting

  • Payment processing

  • Analytics

  • Email communication

Such third parties may process limited information solely for the purpose of providing their services.

VIB does not authorize third-party service providers to use personal information for unrelated purposes.

Each third party operates under its own privacy and data protection obligations.

16. No Sale of Personal Data

VIB does not:

  • Sell user personal information

  • Trade personal data

  • Rent user data to third parties

Information is used strictly for operational, compliance, and service-related purposes.

17. Legal Disclosure

VIB may disclose information where required:

  • By law

  • By court order

  • By regulatory authority

  • To comply with lawful investigation

Such disclosures will be limited to what is legally required.

18. Cross-Border Data Considerations

If users access the Platform from outside India, they acknowledge that data may be processed and stored in India or in jurisdictions where service providers operate.

By using the Platform, users consent to such processing in accordance with this Privacy Policy.

19. User Rights Regarding Personal Information

Subject to applicable law, users may request:

  • Access to personal information held by VIB

  • Correction of inaccurate or outdated information

  • Clarification regarding how their information is used

Requests must be submitted through official contact channels and may require reasonable identity verification.

VIB reserves the right to decline requests that are:

  • Excessive

  • Repetitive

  • Legally restricted

  • Technically impractical

20. Correction & Update of Information

Users are responsible for ensuring that information submitted to VIB is accurate.

If any personal information changes, users may contact support to request correction.

VIB may update internal records upon reasonable verification.

21. Withdrawal of Consent

Where processing is based on user consent, users may withdraw consent by contacting VIB.

However, withdrawal of consent may result in:

  • Inability to complete service requests

  • Suspension of ongoing services

  • Inability to provide support

Certain information may still be retained where required for:

  • Legal compliance

  • Accounting obligations

  • Fraud prevention

  • Dispute defense

22. Cookies & Tracking Technologies

The Platform may use cookies or similar tracking technologies for:

  • Website functionality

  • User session management

  • Basic analytics

  • Performance optimization

Cookies help improve user experience and site performance.

Users may manage cookie preferences through their browser settings.

Disabling cookies may affect certain website functionalities.

23. Analytics & Performance Monitoring

VIB may use analytics tools to collect non-personal data such as:

  • Page visits

  • Traffic patterns

  • Device types

  • Interaction metrics

This information is used to improve website design, security, and service delivery.

Analytics data does not typically identify individual users unless voluntarily submitted.

24. Marketing Communication Preferences

Where applicable, users may opt out of receiving non-essential promotional communications.

Service-related communications (such as confirmations, updates, or dispute responses) may still be sent as necessary for operational purposes.

25. Children’s Privacy

VIB’s services are not intentionally directed toward individuals who are not legally capable of entering into binding agreements under applicable law.

VIB does not knowingly collect personal information from minors without appropriate authorization.

If it is brought to our attention that personal data has been submitted by a minor without lawful consent, VIB will take reasonable steps to delete such information from its records, subject to legal retention requirements.

Parents or legal guardians who believe a minor has provided information without authorization may contact us for review.

26. Data Breach Response

VIB implements reasonable security measures to protect user data. However, in the unlikely event of a data security incident, VIB may:

  • Assess the scope and impact of the incident

  • Take reasonable steps to contain and mitigate the issue

  • Notify affected users where required under applicable law

  • Cooperate with lawful authorities if necessary

Users acknowledge that no digital system can be guaranteed completely immune from cybersecurity risks.

27. Retention for Legal and Compliance Purposes

Even where users request deletion of personal information, VIB may retain certain records where necessary for:

  • Tax compliance

  • Accounting records

  • Fraud prevention

  • Dispute resolution

  • Legal defense

Retention will be limited to what is reasonably required under applicable law.

28. Policy Updates

VIB reserves the right to revise or update this Privacy Policy at any time to reflect:

  • Legal changes

  • Regulatory requirements

  • Operational modifications

  • Security improvements

Updated versions will be posted on the Platform.

Continued use of services following publication of changes constitutes acceptance of the revised Privacy Policy.

29. Governing Law

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.

Any disputes relating to privacy matters shall be subject to the jurisdiction of competent courts in India.

30. Contact for Privacy Concerns

Users who have questions, concerns, or requests regarding this Privacy Policy may contact VIB through the official contact information published on the Platform.

Requests should include sufficient detail to allow proper identification and review.

31. Effective Date

This Privacy Policy is effective from the date of publication on the Platform and remains in effect until replaced by a revised version.