Privacy Policy

VIDYA BHARATI UCHCHA SHIKSHA SANATHAN (“VBUSS”) is a student organization committed to the goal of national reconstruction through an informed and educated citizenry with focus on the student community. It is a NGO registered under Society Registration Act-1860 with its registered offices at H 107a, Sector-12, Noida, Uttar Pradesh, Gautam Buddha Nagar 201301. We value the trust you place in us & respect your privacy. Hence, we maintain the highest standards for secure transactions and user information privacy. Please read the following statement to learn about our information gathering and dissemination practices.

You agree to use the VBUSS website and such Apps developed by VBUSS which may or may not be integrated with the website purely for your personal use. The only exception is provided to our service partners with whom we have or will have a separate agreement. By using/accessing the VBUSS application as defined for personal use, you (“User”) indicate that you understand, agree and consent to this privacy policy. You hereby provide your unconditional consent or agreements to the VBUSS Entities, as provided under the information technology act, 2000 and the rules and regulations made under therein for accessing any of the VBUSS platform.

This privacy policy is a legally binding contract between You (“User”) and the VBUSS Entities (VBUSS Entities - shall mean group, affiliates, associates and subsidiaries of VBUSS) (collectively referred as “VBUSS and” VBUSS Entities, “We”, “Us”). The terms of this privacy policy will be effective upon your registration on VBUSS Platform (as defined below) and will govern the relationship between you and the VBUSS Entities for your use of the VBUSS Platforms. This Privacy Policy shall be read together with the respective terms of use or other terms and conditions of the respective VBUSS’s product offering on VBUSS platform. This document is published and shall be construed in accordance with the provisions of the information technology (reasonable security practices and procedures and sensitive personal data or information) rules, 2011 under the information technology act, 2000; that require publishing of the privacy policy for collection, use, storage, transfer/ disclose of personal information including sensitive personal information. This privacy policy does not require any physical, electronic or digital signature.


By downloading this app you agree to be bound by the terms and conditions of this Privacy Policy. As this Privacy Policy enables us to provide you a secure and a wholesome experience and Privacy Policy forms part and parcel of the Terms of Use and other terms on the App (Terms of Use), we will not be able to register you, if you are not in agreement with these terms. Though every effort would be made to keep you aware of any changes to the Privacy Policy, you are kindly advised to review the policy periodically on the App to ensure that you are aware of the latest version.

By mere use of the website or having access to any VBUSS Platforms or VBUSS Services, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy.


"VBUSS platforms" - Refers to any platform owned/subscribed/used by VBUSS or any other VBUSS Entities not limited to websites, mobile applications, devices, URLs/links, notifications, chatbot, or any other communication medium used by by VBUSS Entities to provide its services to its Users.

"VBUSS Service" shall include all services extended / to be extended by VBUSS and VBUSS entity as a group including but not limited to PPI, PA, switch including others.

“Cookies” - “Cookies are small files placed on your device hard-drive/storage that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". "Session Cookies" - These are temporary files that are automatically deleted from your device hard-drive/storage at the end of a session.

"Service Partners" – Shall refer to any individual, group of individuals defined under law with whom VBUSS or VBUSS Entities have a contractual relationship not limited to Student Bodies, Social Institutions, Government or Semi- Government Agencies engaged and operating together for a defined purpose, Merchants, Advertisers, Deal partners, Financial institutions, switch interface partners.

“Business Partners”- VBUSS is a non-governmental organization committed to social service and hence does not engage in any business and there is no profit motive. However VBUSS may have to engage with certain business entities to deliver certain goods and services in pursuit of its objectives. Hence such of those business entities that are engaged with VBUSS in furtherance of these objectives are referred to as “Business Partners”

"Service Providers" – Refers to any individual, group of individuals defined under law whose services are used by VBUSS or VBUSS Entities in order to provide the intended services to You through VBUSS platforms.

Amendment of Privacy Policy:

Our Privacy Policy is subject to change at any time without notice and the same shall be updated and available within VBUSS App and on its website at from time to time. Though every effort would be made to keep you informed of the changes, if any, to the policy, you are kindly advised to review the policy periodically. Any changes to the Policy will become effective upon posting of the revised Policy on the Internet, accessible through VBUSS Platform.

Scope & Applicability:

This Privacy Policy is applicable to all users of VBUSS website including merchants, customers, service/business/ partners whether registered or non-registered accessing, offering, selling or purchasing products or services on the website, mobile applications, links, notifications, short messaging services, or any other communication medium used or owned by VBUSS (VBUSS platforms).

VBUSS has permitted its VBUSS entities to use the VBUSS websites, applications and other communication platforms (VBUSS platforms) for their VBUSS Services. This Privacy Policy is also applicable to VBUSS Entities who provide their products/ services on the VBUSS’s website and mobile applications as and when developed or control VBUSS directly or indirectly.


We collect, process, store, transfer and record Your data and information while You visit any of VBUSS platforms or avail VBUSS Services. This Privacy Policy is provided to familiarize You with;

  1. The type of information that is provided or shared by “You” for availing products and services provided on VBUSS platforms and the information that “VBUSS Entities” and “service providers” collect from you.
  2. The purpose of collection of such data and information from “You”. and how “We” intend to use the data provided and collected by “Us”.
  3. Our policy on sharing and transferring your data or information with/to “Service Providers”, “Service Partners”, and “VBUSS Entities”.
  4. The information security practices followed to secure your data and information including data/information retention and destruction policy.
  5. To make you aware of data/information handling disclosures, and “Your” rights.

Information Collection

By providing Us Your Information or by making use of the VBUSS website provided by the VBUSS App or VBUSS platforms, You hereby consent to the collection, storage, processing, disclosure and/or transfer of any or all of Your Personal Information (as defined below), Sensitive Personal Information (as defined below) and Non-Personal Information (as defined below) by VBUSS Entities, as specified under this Privacy Policy.

Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website/Application to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.

  1. Personal Information - any information that relates to You, which, either directly or indirectly, in combination with other information available is capable of identifying You as a person. Your personal information shall include but not limited to the following -,
  • Your name, parent’s name, address, telephone number, e-mail address and other demographic information.
  • Your date of birth, gender and marital status.
  • Any other information provided by you as part of “Know your customer” norms as required under applicable laws.
  • Information related to transactions processed on VBUSS platforms, excluding payment instrument details.
  1. Sensitive Personal Information - Data or information of a person means which consists of information relating to -
  • Password
  • Financial information such as Bank account or credit card or debit card or other payment instrument details
  • Physical, physiological and mental health condition
  • Sexual orientation
  • Medical records and history
  • Biometric information
  • Any information relating to the above points shared by You.
  • Any of the information received by VBUSS Entities for processing, stored or processed under lawful contract otherwise.

Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as Sensitive Personal Information and may be regarded as Personal Information.

  1. Non-Personal Information- We and our Service Providers may collect non-personal data while you access VBUSS platforms via url, smartphones or any other mobile devices. This information shall not identify “you” as a person.
  • The devices and identification numbers of devices used by you to access VBUSS platforms.
  • I.P address and information related to the I.P address.
  • Your geographic location, cookies stored on your browser/devices and behaviour on VBUSS platforms.
  • The operating system of your device, browser, browsing behaviour and any other data as permitted to be stored by mobile app stores.
  • OTP sent to you by your issuer bank or VBUSS platforms exclusively to carry out transactions on VBUSS platforms.
  • Your messages on message boards, chats or any other message/feedback areas shared on VBUSS Platforms and Social Media.
  • Information may be collected in various ways and formats during the course of your visit or access to VBUSS Platforms by way of -
  • Visiting VBUSS platforms.
  • Registering on VBUSS platforms as an “user” or “merchant” or any other relationship that may be governed by terms and conditions listed on VBUSS platforms.
  • Transacting or attempting to transact on VBUSS platforms.
  • Accessing, links, e-mails, notifications sent or owned by VBUSS platforms.
  • Otherwise dealing with any of the “VBUSS Entities”

We and our Service Providers or Business Partners may also collect information made publicly available through other third-party platforms, through online or offline databases that are otherwise legitimately obtained and are subject to the third party's terms of use and/or privacy statement.

We may automatically track certain information about you based upon your behaviour on our App. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users. This information is compiled and analysed on an aggregated basis.

We and our Service Providers use data collection tools such as cookies/similar,etc on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. We offer certain features that are only available through the use of a "cookie"

We and our Service Providers also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are session cookies, You are always free to decline our cookies if your device permits, although in that case you may not be able to use certain features on the app and you may be required to re-enter your password more frequently during a session

Purpose and Use of Information:

VBUSS aspires to deliver a safe, efficient, smooth and customized experience. We aspire to provide services and features that most likely meet your needs, and to customize our Website/Application to make your experience safer and easier. VBUSS may collect, use, store and transfer your Personal Information including Sensitive Personal Information and Non-personal information for the following purposes

  • Verification of your identity, access, privileges assigned in order to provide the services you request, or we intend to offer.
  • To resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services,
  • To inform you about online and offline offers, products, services, and updates; customize your experience and Improving your experience while using the application by presenting advertising, products and offers tailored to you.
  • To detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.
  • To analyse demographic and profile data about our users' activity on our app.
  • To help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.
  • Responding to the judicial process and providing information to law enforcement agencies or any government agency in connection with a query/investigation on matters as permitted by law.
  • Allow third parties to contact with You for products and services availed/requested by You on VBUSS platforms or third party links.
  • To identify security breaches and attacks, investigating, preventing and taking action on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by any of the VBUSS Entities or government agencies located within India or outside Indian Jurisdictions.
  • Sharing, disclosing and transfer of data in case of any major event such as merger, acquisition, sale or transfer of assets in case of any Force Majeure event to any other VBUSS Entity or third party.
  • For data processing, statistical or risk analysis and for analytics and review for improvement of the product/services.
  • For designing and marketing, VBUSS products/services and its affiliates products/services.
  • For conducting risk management.

To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses.

We identify and use your IP address to help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our app, providing you with content that we think you might be interested in and to display content according to your preferences.

Information Storage and Sharing:

Your Personal Information and Sensitive Personal Information shall be stored in electronic form with exceptions, wherein the data is required to be maintained in physical form in information and data centers located within Indian Jurisdictions.

Your data may be collected, stored and processed in countries other than Indian Jurisdictions by Us or our Service Providers as permitted under applicable laws.

  • We shall share personal information with our Business Partners/Service Providers and VBUSS Entities for purposes defined under this Privacy Policy.
  • We shall share personally identifiable information / Sensitive Personal Information provided by you to Business Partners/Service Providers and VBUSS Entities in the course of making transactions.
  • Your data shall be shared with Service Providers that VBUSS work with for services not limited to communication, marketing, data and information storage, transmission, security, analytics, fraud detection, risk assessment, academics.
  • Your data may be shared with the internal investigation department within VBUSS Entities or agencies appointed by VBUSS Entities for investigation purposes located within or outside Indian Jurisdictions.
  • We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.
  • We and our affiliates will share some or all of your personal information with another business entity should we engage with them for the delivery of certain goods or services in furtherance of our stated objectives. Should such a transaction occur that another business entity (or the new combined entity) will be required to follow this privacy policy with respect to Your personal information.

Retention period - We retain your information for as long as needed or permitted considering the purpose(s) for which it was obtained and will retain this information till such period as prescribed under applicable law.

Safeguarding your information:

VBUSS has deployed technical and physical security measures to safeguard user’s Personal Information and Sensitive Personal Information and undergo strict internal and external reviews to ensure appropriate information security encryption or controls are placed for both data in motion and data at rest within our network and servers respectively.

We have provided multiple levels of security to safeguard your App by the Login/Logout option and Application Lock feature (“Enable Screen Lock”) that can be enabled by you. We have preventive controls implemented to ensure you use VBUSS App on your device and same login cannot be used on different devices without any additional authentication/OTP. Please do not share your VBUSS login, password and OTP details with anybody.

When you choose to make payment on VBUSS platforms via cards, some part of your card information is stored in compliance with Payment Card Industry Data Security Standard.

All Sensitive Personal Information and some part of your Personal Information shall be retained under applicable laws. Personal Information/Non-Personal Information may be retained even after termination of relationship between you and VBUSS Entities.

Information Disclosures:

Links to Other Platforms - Our app links to other platforms may collect personally identifiable information about you. VBUSS or VBUSS Entities are not responsible for the privacy practices or the content of those linked platforms. Links to third-party advertisements, websites or any other electronic communication service may be provided on VBUSS platforms, which are operated by third parties and are not controlled by, or affiliated to, or associated with, the VBUSS Entities. VBUSS Entities shall not control the data shared by you on such links and shall be governed by respective third party’s Privacy Policy. You are required to review the third party’s Privacy Policy for handling of your data before sharing your data on such links/websites/apps.

Information Breach - While We shall take all reasonable and appropriate processes and precautions to secure any Personal Information//Sensitive Personal Information which We hold about You, You acknowledge that no data transmission over the internet is fully secure, so we cannot provide any assurance or warrant the security of any information you submit to us.

Review your Personal Information & Sensitive Personal Information - You may review your Personal Information and Sensitive Personal Information shared by You by logging info VBUSS platforms using your secure login credentials and may notify Us in case of any change.

Indemnity - You shall indemnify and hold harmless the VBUSS Entities, their officers, directors, contractors or agents and any third parties relying on the Information provided by You for any losses, including all claims, damages, liabilities, deficiencies, assessments, interest, awards, settlements, penalties, fines, costs or expenses, suffered, incurred, sustained by, or imposed on the VBUSS Entities, as a result of, arising out of, with respect to, in connection with or by reason of a breach or non-performance of any of the terms, conditions, representations or warranties contained in this Privacy Policy by You.

Force Majeure - A Force Majeure Event shall mean any event that is beyond the reasonable control of the VBUSS and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes ,acts of state or governmental action prohibiting or impeding VBUSS Entities from performing its respective obligations under the contract.

Jurisdiction - This Privacy Policy is governed by and shall be construed in accordance with the laws of Republic of India and any disputes arising out of or in connection with this Agreement shall be subject to jurisdiction of the Courts of Pune, Maharashtra India.

You further agree that such collection, use, storage, disclosure and/or transfer of Your Information shall not cause any loss to any other person. The information so provided by You may be shared to VBUSS Entities and the third-party service provided on a need to know basis.

This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes

User Discretion and Choice/Opt-Out:

You agree and acknowledge that your Personal Information, Personal Sensitive Information and Non-Personal Information out of your free will. You further agree to all the provisions of this Privacy Policy and authorise us to manage the data shared by you or collected by us to be used according to this Privacy Policy.

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account. If you want to remove your contact information from all VBUSS lists and newsletters, please click on the unsubscribe button on the emailers.

By using the VBUSS platforms and/ or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this Privacy Policy, including but not limited to Your consent for sharing your information as per this privacy policy. You also grant permission to obtain information from your mobile device by way of using our app including contacts on your device in order to provide a better payment experience.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Grievance Policy:

VBUSS application developed by Saaranga Infotech LLP, a limited liability partnership incorporated under the Companies Act, 1956 with its registered office at H 107a, Sector-12, Noida, Uttar Pradesh, Gautam Buddha Nagar 201301.

We at VBUSS value the trust placed upon us and strive to offer the best experience to You. Our Grievance policy has been designed to resolve customer grievances in a timely and efficient manner, while treating our customers fairly and courteously.

Our endeavour is to provide You with a seamless experience while transacting via VBUSS App and when required, our in-app customer redressal support process, is able to address all Your concerns. In rare circumstances where, owing to various human, network or system errors, some issues arise requiring a more focused and customised redressal, You may refer to the following redressal mechanism in the sequential order.

Grievance Redressal:

We have formulated an escalation matrix to ensure that Your concerns are routed and addressed by the right team. You are requested to read and understand the below escalation matrix to ensure a timely redressal of Your concern.

We recommend You to carefully go through our help pages that provide self-help to our customers. For queries and concerns that are not addressed through the help pages, You can contact our customer support team through phone, email or through contact details provided at the VBUSS website or the App as and when developed.

Our in-app support channel is able to resolve a vast majority of customer complaints. In any uncommon scenario, where You wish to escalate the concern to the next level, You need to ensure that You have already exhausted the previous level(s) and Your concern remains un-resolved or not resolved to Your satisfaction.


Contact Name: Abhishek Saxena
Phone: 9999694251
Address: H 107a, Sector-12, Noida, Uttar Pradesh, Gautam Buddha Nagar 201301.
Working hours: Mon-Fri 9.30 am to 5.30 pm

Limitation of Liability
Our liability shall be limited as per the T&C.