Last updated: May 2026
1. Who we are
NITYA VIKAS MUTUALLY AIDED COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED. (“the Society”, “we”, “us”) operates this website to share information about our co-operative deposit and secured loan schemes, branch contact details, and member-related updates. We respect your privacy and process personal data fairly and in line with applicable Indian law.
2. What information we may collect
(a) Website visitors
When you use our contact options, enquiry flows, or register for website access (if offered), we may collect: name, phone number, email address, message content, and topic of enquiry. We may also collect technical data such as browser type, approximate region from IP address, and cookies necessary for site operation or analytics.
(b) Members and applicants
If you become a member or apply for services at the branch, additional KYC and identity information is collected as required by law and our internal policies. That processing is explained at the branch and in relevant application forms; this Policy focuses on data collected through this website.
3. How we use information
- To respond to enquiries submitted via the website or email
- To operate and secure the website and member portals (if any)
- To meet legal, regulatory, and audit requirements
- To improve content and usability (aggregated statistics where possible)
We do not sell your personal data to third parties for marketing.
4. Legal basis and consent
Where required, we rely on your consent (for example when you submit a form) or on legitimate interests (for example network security and fraud prevention), always balanced against your rights. Co-operative membership and statutory obligations may require separate bases as explained at the branch.
5. Sharing of information
We may share data with:
- Regulators, government authorities, or law enforcement when required by law
- IT and hosting providers who process data on our instructions under appropriate safeguards
- Professional advisers (auditors, lawyers) where necessary
We require service providers to keep information confidential and use it only for the purpose we specify.
6. Data retention and security
We retain personal data only as long as needed for the purposes above or as required by law (including banking-related retention). We use reasonable technical and organisational measures to protect data against unauthorised access, loss, or alteration. No internet transmission is completely secure; please use official channels only.
7. Cookies
This site may use cookies or similar technologies for essential functionality, preferences, or analytics. You can control cookies through your browser settings; disabling some cookies may limit certain features.
8. Your rights
Under applicable Indian law (including the Digital Personal Data Protection Act, 2023, where it applies to us), you may have rights to access, correct, update, or erase certain personal data, or to withdraw consent where processing is consent-based. To exercise rights, contact us using the details below. We may need to verify your identity before acting on a request.
9. Grievances
If you have concerns about how we handle personal data, please write to us at the email below. We will endeavour to respond within a reasonable time.
10. Updates
We may update this Privacy Policy periodically. Changes will be posted on this page with a new “Last updated” date.
11. Contact
NITYA VIKAS MUTUALLY AIDED COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED.
Registered / head office: 15-19-46, 1st Floor, Opp. Kanyakaparameswari Temple, Main Road, Old Town, Repalle, Bapatla Dist., Andhra Pradesh — 522265
Phone: 08648-224522 / 08648224455
Email: info@nityavikas.com