Privacy Policy

At VaultCore OS, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our core banking platform.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when using our Service, including:

• Name, email address, and phone number
• Company/institution name and job title
• Billing and payment information
• Government-issued identification numbers (for KYC purposes)
• Any other information you choose to provide

Customer Data

As a core banking platform, we process data that our clients (MFIs and MFBs) input about their customers. This data is owned by our clients and processed according to their instructions and applicable data protection laws.

Automatically Collected Information

• Device and browser information
• IP address and location data
• Usage patterns and feature interactions
• Log data and error reports

2. How We Use Your Information

We use the collected information for:

• Providing and maintaining our Service
• Processing transactions and managing subscriptions
• Sending administrative information and updates
• Responding to inquiries and providing customer support
• Improving our Service and developing new features
• Ensuring security and preventing fraud
• Complying with legal obligations

3. Data Storage and Security

We implement robust security measures to protect your data:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Regular security audits and penetration testing
• Role-based access control (RBAC)
• Multi-factor authentication (MFA)
• 24/7 security monitoring

4. Data Sharing and Disclosure

We may share your information with:

• Service Providers: Third parties who assist us in operating our Service (hosting, payment processing, analytics)
• Regulatory Bodies: When required by law or to comply with regulatory requirements
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• With Your Consent: For any other purpose disclosed at the time of collection

We do not sell your personal information to third parties.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Customer banking data is retained according to regulatory requirements (typically 7-10 years) and your subscription agreement.

6. Your Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Request transfer of your data to another service
• Objection: Object to certain processing activities
• Withdrawal: Withdraw consent where processing is based on consent

7. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience. You can control cookie preferences through your browser settings. Essential cookies required for the Service to function cannot be disabled.

8. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers, including standard contractual clauses and adequacy decisions.

9. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact our Data Protection Officer: