In these Terms and Conditions, “Bank” refers to The Vellore District Central Co-operative Bank. “Mobile Banking” refers to the Bank’s Mobile Banking service. “User” means a customer authorized to use the Mobile Banking service. “Account” includes Savings, Current, or any other eligible account maintained with the Bank. Minor accounts are not eligible for Mobile Banking services.

Mobile Banking services are offered at the discretion of the Bank. Customers must submit the prescribed application at the branch where the account is maintained. The Bank reserves the right to accept or reject applications without assigning reasons.

• Balance enquiry
• Transaction details
• View account statements
• Fund transfers within the Bank and to other banks
• Immediate Payment Service (IMPS)
• Other services introduced by the Bank from time to time

The Bank may add, modify, or discontinue any service at its sole discretion. The User shall not use Mobile Banking for any illegal or unauthorized purpose.

For joint accounts, Mobile Banking access will be provided to one authorized account holder with the consent of all joint holders. Transactions carried out shall be binding on all joint account holders.

The Bank will issue a User ID and password to the User. The User must change the initial password on first login and thereafter at regular intervals. The User shall ensure secure access to the Mobile Banking application at all times.

• Password must contain a minimum of 6 characters
• Must not be written down or shared
• User must prevent unauthorized access to the mobile device

The User shall be fully responsible for all transactions carried out using the User ID and password.

The Bank may levy service charges, minimum balance requirements, or penalties as applicable. The User authorizes the Bank to debit such charges from the account without prior notice.

The Bank shall authenticate transactions solely on the basis of the User ID and password. The Bank’s records shall be final and binding unless discrepancies are reported within seven days.

The User is responsible for the correctness of all information provided through Mobile Banking. The Bank shall not be liable for losses arising from incorrect or incomplete information.

The User shall be liable for losses caused due to negligence or breach of these terms. The Bank shall not be liable for losses caused by technical failures, network issues, natural disasters, or events beyond the Bank’s control.

The User agrees to indemnify and hold the Bank harmless against any loss, claim, or damage arising from misuse of Mobile Banking services.

The Bank may collect, store, and disclose the User’s personal information for service delivery, legal compliance, fraud prevention, and regulatory requirements.

The Bank shall have the right of lien and set-off on all accounts of the User for any outstanding dues arising from Mobile Banking services.

The User shall not modify, decompile, or reverse engineer the Mobile Banking application. All intellectual property rights remain with the Bank or its service providers.

The Bank reserves the right to amend these terms at any time. Continued use of Mobile Banking services shall constitute acceptance of the revised terms.

Mobile Banking services are personal to the User and are not transferable under any circumstances.

Mobile Banking services may be terminated by the User with prior notice or by the Bank in case of breach, death, insolvency, or account closure.

Notices may be sent electronically, by post, or published on the Bank’s website. The Bank shall not be responsible for non-receipt of notices.

These terms shall be governed by the laws of India. All disputes shall be subject to the exclusive jurisdiction of courts located in Tamil Nadu.

In case of loss or theft of mobile phone or SIM card, the User must immediately inform the Bank and lodge a police complaint. The Bank shall not be liable for transactions carried out before such intimation.

Mobile Banking transactions are instantaneous and irreversible. Stop-payment requests are not permitted. Refunds, if any, initiated by merchants will be credited to the User’s account.