Privacy policy

Latest update: November 03, 2023

This Privacy Policy of VIZZVE (a company incorporated under the Companies Act, 2013  MFI Registered having its registered office at 1st Main 1st Cross, Off, Koramangala Ring Road, viveknagar post, Ashwini Layout, Ejipura, Bengaluru, Karnataka 560047 India (in any case, hereinafter referred to as “VIZZVE”, “we”, “our” or “us”), is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made there under and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, 2000. this privacy policy does not require any physical, electronic or digital signature.

This Privacy Policy is a legally binding document between you and Vizzve microseva. The terms of this Privacy Policy will be effective upon your acceptance of the same. This Privacy Policy specifies the terms related to the management and handling of personal information of users (hereinafter referred to as “the Users”) using the services of Vizzve platform accessible through Mobile/Smartphone application and website (hereinafter “Vizzve Application”), phone expense management services for mobile device and its related electronic wallet service (hereinafter “Service”) of Vizzve. We understand that you entrust us with certain Information to help us provide various Services. In exchange for your trust, you expect and deserve our commitment to treat your Information with respect and in accordance with the terms of this Privacy Policy (“Privacy Policy”). The Privacy Policy describes the policies and procedures followed by Vizzve with respect to collection, use and disclosure of your Information and other data that we gather when you register for using our Vizzve Application and Services by creating a user account (“Account”), interact with other Users and third party websites and services. 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 of information) Rules, 2011 under Information Technology Act, 2000; that require publishing of the Privacy Policy for collection, use, storage and transfer of sensitive personal data or information. Please read this Privacy Policy carefully. By using the website, you indicate that you understand, agree and consent to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Application or website. You hereby provide your unconditional consent or agreements to as provided under section 43a and section 72a of Information Technology Act, 2000.

When you use, download and access the Vizzve Application, you are consenting to the collection, transfer, storage, disclosure and other uses of your Information as described in this Privacy Policy.

Vizzve complies with all regulations on the protection of Personal Information specified in laws and regulations applicable to information and communication service providers. The Personal Information Policy of the services of Vizzve is as follows:

Commitment VIZZVE MICROSEVA FOUNDATION intends to protect the privacy of its users and members on its Website and the privacy of the data provided by them to VIZZVE MICROSEVA FOUNDATION from time to time. For the purpose of this Privacy Policy, Website means and includes the website ( and mobile application of VIZZVE MICROSEVA FOUNDATION.

The privacy of our Website users, whether you are our former or existing registered user or merely a visitor to our Website, is important to us and we are strongly committed to your right to privacy and to keeping your personal and other information secure. We encourage you to read our privacy statement to understand what types of personally identifiable information we collect and how we use this information. What type of information does collect from you?

Type of Personal Information collected and Purpose and Use of collection  Personal Information is information collected to uniquely identify or contact You. Vizzve collects and uses your minimum necessary Personal Information for the list of identified purposes below. The Personal Information will not be used for purposes other than listed below, and the prior approval of the Users would be required, in case of change in the purposes given below. Personal Information for the purposes of this Privacy Policy shall include, but not be limited to:

Phone Expense Management : Name, Data usage balance and Phone call balance of the User’s mobile device, Content of messages(to extract phone usage balance information), Phone number, Email address, Geographic position, List of Contact, Logs, IP address, Device ID, Country of origin.

Electronic Wallet Service: Photo, Name, Gender, Date of Birth, Email Address,  ID number of one of Officially Valid Documents specified in RBI guidelines (Driving License, Voter’s ID, NREGA Job Card, Passport), ID, Email address, Phone number, Credit and debit card number(last 4 digits), Deposit, charge and transaction information, Geographic position, Country of origin, and any other KYC(Know Your Customer) information required by law to provide Wallet Services

Enhanced functionality and improved Service: Data usage balance of the User’s mobile device, Phone call balance of the User’s mobile device, Access Log, Records of purchase for goods and service, Type and version of the internet browser and the operating system, Type and manufacturer of the mobile phone, Name and Version of system and application software; Other information collected at the time of installation: Installed applications on User’s device; Call logs(Date, callers and receivers information); SMS logs (Date, callers and receivers information); photo logs to find patterns of date and time of creation and contact list.

Vizzve will not deny providing service for Users’ not providing optional information. IP address, date of access, recommendation information, record of service usage, access log, terminal equipment information may be automatically generated and collected.

Vizzve collects Personal Information through the methods listed below: Vizzve  website enrollment, mobile app, written form, fax, telephone, e-mail, electronic board, promotional offer participation, customer support. Voluntary provision from the Users through service. We may receive Personal information about you from third parties, such as social media services, commercially available sources and business partners. If you access Website through a social media service or connect a service on Website to a social media service, the information we collect may include your user name associated with that social media service, any information or content the social media service has the right to share with us, such as your profile picture, email address or friends list, and any information you have made public in connection with that social media service. When you access the Website through social media services or when you connect any Website to social media services, you are authorizing Vizzve   to collect, store, and use and retain such information and content in accordance with this Privacy Policy.

Term of retaining and use of personal information  

Vizzve  is concerned regarding the Personal Information provided by you for the services of the company. By agreeing to the terms and conditions you have agreed to give us the information, according to the applicable law. Vizzve  retains Personal Information for a period of at least 10 (ten) years. After that, Personal Information will be promptly disposed when the purpose of collection and usage of the Personal Information is achieved. Vizzve  collects and also stores the information so that the user can view the details of transactions done by him, using the services of Vizzve  and to provide the customers with uninterrupted services. To improve the Services of the Company, we also require the log information, to determine the usage of our services and can bring to the customers better services with updates, according to the customer preference. We at Vizzve  , also use your correspondence information, in order to determine your preference and your feedback to improve onto our services. Vizzve  uses the information to complete your registration process and other services requested by you. Also the information is used to provide you with a detail account of your account and the statement of expenditure and also help us detect and protect users and ourselves against errors, fraud, or other criminal activity. The data that we collect using the cookies, assist us in understanding the user trends and to improve according to the customer preferences. Vizzve  at times collects the information in the form of profiles, in order to customise the services according to the usage. It is to be clarified that the information that is collected by Vizzve  , will be the property of the company and can be used at its own discretion, without any compensation to you

For the purpose of providing you services, we require you to enroll yourself on our Website and get yourself registered. 1.If you choose to become a registered member of our Website, you are required to share your name, e-mail address, gender, date of birth, postal address, phone number, a unique login name, password, password validation, income tax details, marital status, family details, business information and other details shared via application form or via email or via any other medium (Personally Identifiable Information). 2.VIZZVE MICROSEVA FOUNDATION may also collect other information specific to provide you service each time such as name, bank statements, KYC documents, personal details, business details, income tax details, marital status, family details and other information via application form or via email or via any other electronic medium or via printed form (Service Information). All Personally Identifiable Information and Service Information shall be collectively known as “Information”. 3.Additionally, VIZZVE MICROSEVA FOUNDATION collects your other details including but not limited to your feedback, suggestions, views, opinions, etc. shared on our Website (User Information) that may be shared/volunteered by you on our discussion forums or other pages of our Website. Such information being in the public domain is available for access to all our Website’s users and visitors. You are advised to exercise discretion before you make such details public, as such information is vulnerable to misuse and can be easily misused. VIZZVE MICROSEVA FOUNDATION in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of User Information shared by you, by any third party or any party not known to VIZZVE MICROSEVA FOUNDATION. 4.Information exchanged by you with VIZZVE MICROSEVA FOUNDATION in the form of written communication, responses to emails, feedback required from you, participation in discussions, etc. is handled with confidentiality. 5.Our application which collects the data and stored to our secured server (Https:// to perform a credit risk assessment. We ensure we takes security measures in order to protect your personal information against loss, misuse or alteration of the data. It is important to that you read the privacy policy carefully because anytime you use our Services, you consent to the practices that we have set out in this privacy policy page.

INFORMATION COLLECTED THROUGH MOBILE APPLICATIONS VIZZVE MICROSEVA FOUNDATION services are also provided through the Mobile Application. VIZZVE MICROSEVA FOUNDATION may collect and use technical data and related information, including but not limited to, technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications. When you use our Mobile Application, the Mobile Application may automatically collect and store some or all of the following information from your mobile device (“Mobile Device Information”), in addition to the Device Information, including without limitation:

1.Geolocation data: We collect the location data from you in two ways: (i) when you add the pin code as part of your Vizzve Microseva Account data; and (ii) from your mobile device when enabled by you to do so. We collect this data when our App is running in the background of your mobile device. You will not be able to use the App if you disable the location services. 2.User Personal Information: Our app collects user account data which includes email address, name to log in to the app. This information is required as part of the registration process to access our service and it is also used to auto populate relevant fields in the course of the interface of our app. Our app also collects mobile numbers for verification to check the active SIM status on the device, uniquely identify you and prevent fraud and unauthorized access.. 3.Financial SMS Data: When you grant us access to the SMSs on your mobile device, then we collect SMS data stored on your mobile device. You will not be able to use the App if you disable this access.(How we use this data: See, For Enabling the App and its Services; For KYC Authentication.) 4.Usage data: We collect data about how you interact with our Services. This includes data such as access dates and times, App features or pages viewed, App crashes and other system activity, type of browser, and third-party sites or services used before or in the course of interacting with our Services.(How we use this data: See, For Enabling the App and its Services; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For enabling Marketing and Outreach; For Automated Decisions; For Legal Compliance and Requirements.) 5.Transaction information: We collect transaction information related to the use of our Services, including the type of Services requested, date and time the Service was provided, loan availed, interest payable, EMI selected, and payment method. Additionally, if someone uses your Referral code, we may associate your name with that person and their usage of the App.(How we use this data: See, For Enabling the App and its Services; For KYC Authentication; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For Enabling Marketing and Outreach; For Automated Decisions; For Legal Compliance and Requirements.) 6.Device data: We collect data about the devices used to access our Services, including the hardware models, device IP address, operating systems and versions, software, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.(How we use this data: See, For Enabling the App and its Services; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For enabling Marketing and Outreach.)

Permission Required for mobile app:
Camera/Gallery Permission use to provide facility to upload digital information for KYC as a normal document for clarity of user identification purpose or we used this permission to facilitate user to upload KYC document for verification directly.
Push Notification permission used to notify loan instalment for repayment and important alert for repayment to Vizzve MicroSeva users.
Contact permission used to verify reference contact detail submitted by user to Vizzve MicroSeva.

Non-Personal Information VIZZVE MICROSEVA FOUNDATION also collects certain other information from you on your visit to our Website such as information about your operating system, browser type, the URL of the previous website you visited, list of third-party applications being used by you, your internet service provider and your IP Address (Non-personal Information). This information cannot be easily used to personally identify you. We use Non-personal Information for the purposes including but not limited to troubleshoot connection problems, administer the Website, analyze trends in the market, gather demographic information, to ascertain how our visitors use our Website, including information relating to the frequency of visits to our Website, average length of visits, pages viewed during a visit, ensuring compliance with the applicable law, co-operating with law enforcement activities, etc. This information is used to improve the Website content and performance. You also agree that VIZZVE MICROSEVA FOUNDATION may gather usage statistics and usage data from your use of our Website to evaluate your use of our products/services, to improve our products/services, Website content and to ensure that you are complying with the terms of the applicable agreements between you and VIZZVE MICROSEVA FOUNDATION. The statistics and data collected may or may not be aggregated. These statistics contain no information that can distinctly identify you.

We may in future also share this information with third party service providers or third party advertisers to measure the overall effectiveness of our online advertising, content, programming and for other bonafide purpose, as we may desire. By usage of our Website you expressly permit VIZZVE MICROSEVA FOUNDATION to access such information for one or more purposes deemed fit by VIZZVE MICROSEVA FOUNDATION.

Cookies Similar to other commercial web sites, our Website utilizes standard technology called “Cookies” and Web server logs to collect information about how our Website is used. Cookies are small pieces of information that are stored by your browser on your device’s hard drive. Cookies are only read by the server that places them, and are unable to inter alia run programs on your device, plant viruses or harvest your personal information. Cookies allow Web servers to recognize your device each time you return to our Website including the date and time of visits, the pages viewed, time spent at our Website, and the websites visited just before and just after our Website, verify your registration or password information (in case of registered users) during a particular session so that you do not have to input your password multiple times as you navigate the site and suggest products or services that may interest you. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

Most web browsers automatically accept cookies. By changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. VIZZVE MICROSEVA FOUNDATION understands and supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking VIZZVE MICROSEVA FOUNDATION cookies may disable certain features on our Website and may make it impossible for you to use certain services available on our Website.

Session Data We automatically log generic information about your device’s connection to the Internet, which we call “session data”, that is anonymous and not linked to any personal information. Session data consists of information such as the IP address, operating system, type of browser software being used by you and the activities conducted by you on our Website. An IP address is a number that lets device attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze things such as the items visitors are likely to click on most, the manner in which visitors click preferences on our Website, number of visitors surfing to various pages on the Website, time spent by the visitors on our Website and frequency of their visit. It also helps us diagnose problems with our servers and lets us better administer our systems. Although such information does not identify any visitor personally, it is possible to determine from an IP address a visitor’s Internet Service Provider (ISP), and the approximate geographic location of his or her point of connectivity. Sharing of Information

VIZZVE MICROSEVA FOUNDATION may share your Information, including the bureau reports, with its service providers, affiliate(s), agents, partners and such other third parties for the purposes of (i) providing the services and to perform the functions on your behalf or on behalf of VIZZVE MICROSEVA FOUNDATION; (ii) marketing new products and services by VIZZVE MICROSEVA FOUNDATION or by any of its affiliate(s), service partners and third parties; or (iii) marketing of services provided by such third parties, affiliates and service partners of VIZZVE MICROSEVA FOUNDATION. It is hereby expressly declared that VIZZVE MICROSEVA FOUNDATION shall not be responsible for use of your Information by such third parties and service partners and their privacy policies.

Payment Service Cashfree collects Customer Name, Customer Phone number Customer bank account details for Disbursing amount to customers and repayment purposes. Third Party Products and Services There are services and/or products offered by third parties on the Website. If you choose to apply for these third-party products and/or services, then their use of your Information shall be governed by their privacy policies and VIZZVE MICROSEVA FOUNDATION shall not be responsible for their use of your Information and their privacy policies.

VIZZVE MICROSEVA FOUNDATION shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

New Products and Services VIZZVE MICROSEVA FOUNDATION may use your Information to intimate you for any new products, services, offers and/or promotions being offered by VIZZVE MICROSEVA FOUNDATION or any of its affiliate(s), third partners or service partners.

Other We may from time to time add or enhance products/services available on our Website. To the extent these products/services are provided to and used by you, we will use the information you provide in this regard to facilitate the products/service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store and publish such information to assist us in making the Website better and easier to use. Promotional Initiatives

VIZZVE MICROSEVA FOUNDATION may have presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to our Website or request your participation by way of feedback, suggestions. VIZZVE MICROSEVA FOUNDATION in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to VIZZVE MICROSEVA FOUNDATION.

Links to Other Sites Our Website may contain links to other websites. If you click on a third-party link, you will be directed to that website. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the privacy policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Does VIZZVE MICROSEVA FOUNDATION protect my Personal Information?
VIZZVE MICROSEVA FOUNDATION is committed to protecting the privacy and the confidentiality of your Personal Information. Whenever VIZZVE MICROSEVA FOUNDATION obtains Information from you, our Website uses commercially reasonable efforts and general industry standards to protect it from any unauthorized access or disclosure. VIZZVE MICROSEVA FOUNDATION uses its best endeavors to maintain physical, electronic and procedural safeguards that aim to protect your information against loss, misuse, damage, modification, and unauthorized access or disclosure. However, VIZZVE MICROSEVA FOUNDATION assumes no liability whatsoever for any disclosure of Information  to any third party(ies) and/ or service partners for providing any services to you by such third parties and/ or service partners. VIZZVE MICROSEVA FOUNDATION disclaims any liability for the use of your Information by such third party(ies) and/or service partners and their privacy policies.

Does VIZZVE MICROSEVA FOUNDATION secure the content its users post from other users?
The content that you store, post, or transmit on or through our Website, may be accessed by other users (registered or unregistered), including people that you do not know. The content/images that you post/share on our Website may be prone to misuse by a party not known to you. VIZZVE MICROSEVA FOUNDATION in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of such content, by any third party or any party not known to VIZZVE MICROSEVA FOUNDATION. We suggest that you exercise care and caution in communicating with other users and only disclose your information to other users that you know to be trustworthy. You should not assume that your content will be kept private.

How do we use your information:
We use the information we collect to help us personalise and continually improve your experience on the Site. We may also use that information in the following ways:
* Support Vizzve MicroSeva legal compliance obligations.
* Provide customer to upload KYC document to connect with Vizzve MicroSeva for communication regarding financial help.
* Provide you with access to the Vizzve website and Vizzve MicroSeva mobile application.
* Communicate with you about your loan repayment with us and send you information.
* Provide notification or tracking of your repayment of loan installments.
* Provide payment gateway support using CASHFREE in this application also give you other feature to transaction of repayment of loan installment also to track your history.
* Provide notification support to track admin action on your request ticket using customer support or issue to be solved as soon as possible.
* Communicate with you about changes to our policies, terms & condition, return & refund and loan aggrements.
* Administer promotions and surveys.
* Optimise or improve our products, services, and operations.
* Detect, investigate, and prevent activities that may violate our policies or be illegal.
Information shared by you is used by us and/or authorized third parties/service partners/affiliate(s) to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we and/or authorized third parties/service partners/affiliate(s) offer and also to clear the NPA’s (Non Performing Assets). By submitting your Information to VIZZVE MICROSEVA FOUNDATION, you expressly acknowledge and consent to VIZZVE MICROSEVA FOUNDATION to use such Information and to process the same in a manner deemed fit by VIZZVE MICROSEVA FOUNDATION. This may involve conducting data analysis, research based on reviews about deals, transfer of your Information to third party experts for the purpose of outsourcing services, reach your contact list if in case you’re not responding to calls and don’t pay your loan amount offered to you by VIZZVE MICROSEVA FOUNDATION, transfer your Information to third parties/ service partners for providing you services offered by such third parties and service partners etc.

What security precautions are in place to protect against the loss, misuse, or alteration of your information?
Security of Personal Information
The security of your Personal Information is very crucial to us. We at Vizzve  focus at protecting your Personal Information against any type of unauthorized usage. To do this Vizzve  has adopted measures like internal reviews of the data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized system access where your personal information is stored. Vizzve  has taken every measure applicable under law to protect your information and in case of any damage you have the right to claim any form of statutory damage limited under the Information Technology Act, 2000 and according to the same you, hereby waive and release all Vizzve  entities from any claim of damages under contract or under tort.
We take the following security procedure and technical and organisational measures to safeguard your Personal Information: firewalls, browser certification technology, and encryption, and limited access, use of passwords, for better safety of the information given by you.
If you take the payment gateway to make payments then the credit/debit card being used by you will be stored in compliance with industry standards/ recommended data security standard for security of financial information such as the Payment Card Industry Data Security Standard (PCI-DSS). Vizzve  may share information with other third parties under strict confidential agreement, but won’t be liable for the security breach of the third party. The Vizzve  cannot also be held responsible for the loss or damage to you, as a result of you providing the information to third parties.
Notwithstanding anything contained in the policy, Vizzve  won’t be responsible for any loss or damage to you in case of any Force Majeure Event, which is unforeseeable or not within the control of Vizzve  .
A Force Majeure Event shall mean any event that is beyond the reasonable control of Vizzve  and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond reasonable control of Vizzve  ), power or electricity failure or unavailability of adequate power or electricity.
You agree that no transmission on the internet can be said to be fully secured, hence, Vizzve  cannot ensure the security of all the information provided by you and you do it on your own accord.
Vizzve  may entrust a third person with the management affairs of personal information for successful service operation and contract performance to following entities, and will manage trustee to protect Personal Information from theft, leak, loss, falsification, harm in accordance with applicable laws and regulations.
To operate website and servers of Vizzve  : Hosting Raja
I have more questions about privacy policy If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us at
Will VIZZVE MICROSEVA FOUNDATION change privacy policy in the future?
This policy provides a general statement of the ways in which VIZZVE MICROSEVA FOUNDATION aims to protect your information. You may, however, in connection with specific products or services offered by VIZZVE MICROSEVA FOUNDATION, be provided with privacy policies or statements that substitute or supplement this policy. The terms and conditions of this Privacy Policy may be changed from time to time, without your consent (express or implied) to reflect changes in our practices concerning the collection and use of your information. The revised Privacy Policy will be effective immediately upon posting to our Website unless otherwise mentioned. This version of the policy is effective from 1/02/2021. The revised Privacy Policy shall bind you and it is your sole responsibility to check the same from time to time. You acknowledge that no knowledge of the revised Privacy Policy shall be a defense in any proceedings with regard to the Privacy Policy.

Your Consent
By accessing our Website and using it on a continued basis, you expressly consent and confirm to VIZZVE MICROSEVA FOUNDATION collecting, maintaining, using, processing and disclosing your Personal Information and other information in accordance with this Privacy Policy.

I have a complaint/concern
In accordance with the relevant provisions of the Information Technology Act, 2000 and Rules made there under, contact details of the Grievance Officer who can be contacted with respect to any complaints or concerns including those pertaining to breach of VIZZVE MICROSEVA FOUNDATION’s Terms of Use, Privacy Policy and other polices or questions are published as under:

Email address:

The Grievance Officer can be contacted between 10:30 a.m. to 6:00 p.m. from Monday to Friday except on public holidays.