Privacy Policy

Last updated: March 27, 2026

1. Interpretation and Definitions

Interpretation

Words with capitalized first letters have meanings defined under the following conditions. These definitions apply whether the terms appear in singular or plural form.

Definitions

• Account: A unique account created for You to access Our Service.
• Company: Sathy Malar Saagupadi Vivasaigal Thlaimai Sangam, Sathyamangalam, Erode, Tamil Nadu, India.
• Personal Data: Any information that relates to an identified or identifiable individual.
• Service: Refers to the SMSVTS mobile application.
• Usage Data: Data collected automatically from the Service.
• Payment Service Provider (PSP): Third-party provider that processes payments securely.

2. Information We Collect

2.1 Personal Data

• Name
• Phone number
• Account details
• Transaction information
• Communication details
• Any other information You provide

2.2 Usage Data

• Device type and model
• IP address
• Operating system
• App version
• Pages/features accessed
• Date and time
• Diagnostic data

3. Payment Information

Phase-2 enables digital payments through secure third-party PSPs. We do not store sensitive banking details like card numbers, CVV, or UPI PIN.

• Transaction ID
• Amount
• Status
• Date and time

4. Refund Policy

Refunds are not automatic and must be requested. They are reviewed manually and may be approved or rejected based on validation.

5. How We Use Your Personal Data

• Provide and maintain Service
• Manage accounts
• Process payments
• Send notifications
• Prevent fraud
• Legal compliance

6. Sharing of Information

We may share data with PSPs, technical providers, or authorities when required. We do not sell or trade your data.

7. Data Retention

Data is retained only as long as necessary for service, legal compliance, and fraud prevention.

8. Data Security

We implement security measures but cannot guarantee 100% safety of data transmission.

9. Children's Privacy

We do not collect data from children under 13. If detected, it will be deleted.

10. Your Rights

• Access data
• Correct data
• Delete data
• Withdraw consent

11. Third-Party Links

We are not responsible for third-party privacy practices.

12. Changes to This Privacy Policy

Updates will be posted with revised dates. Please review periodically.

13. Contact Us

Sathy Malar Saagupadi Vivasaigal Thlaimai Sangam

Sathyamangalam, Erode, Tamil Nadu, India

Email: smsvtssathy@gmail.com