VS Mart operates a grocery delivery app and VS Credit, a buy-now-pay-later facility settled by cash or digital repayment, in select towns in Andhra Pradesh. Because VS Credit extends credit, we — and the field agents who verify documents and collect dues — necessarily handle more than a typical shopping app: identity documents, a credit score, and sometimes your live location. This page sets out exactly what that involves.
1. Scope
This policy covers the VS Mart customer app, the VS Mart Partner (agent) app, and the thevsmart.com web properties. It does not cover third-party sites you may reach through links inside the app, such as your bank's own payment page.
2. What We Collect
What we ask for depends on what you use the app for — browsing groceries needs almost nothing; VS Credit needs identity and financial checks.
| Category | What we collect | When it's collected |
|---|---|---|
| Account | Mobile number, name, email (optional), password reset details. | At sign-up and login (OTP). |
| Identity (KYC) | Aadhaar card image & number, PAN card image & number, date of birth, a live selfie, a photo of your residence. | When applying for VS Credit. |
| Credit & financial | CIBIL credit score, bank account & IFSC (if you link one), repayment and purchase history on credit, outstanding balance. | During the VS Credit check and use, with your consent. |
| Location | GPS coordinates, saved delivery addresses, pincode. | When checking delivery availability or setting a delivery address. |
| Orders & activity | Cart, order and payment history, wishlist, reviews, support messages. | During ordinary use of the app. |
| Device | Push-notification token, app version, crash and performance logs. | Automatically, to run the app and send order updates. |
3. How It's Used
- Creating and securing your account, and sending one-time login codes.
- Verifying your identity and assessing eligibility before extending VS Credit.
- Working out whether we deliver to your address, and what that delivery costs.
- Processing orders, payments, refunds and — where a bill is overdue — recovering the amount actually due, never more.
- Preventing fraud, such as one credit account being opened against someone else's identity documents.
- Customer support, and service messages about your orders or account.
We do not use your KYC documents or credit data for advertising, and we do not sell personal data to data brokers.
4. Who We Share It With
We share the minimum needed with the partner that performs that specific step, under contract, and never as a data sale:
- SMS gateway — your mobile number, to deliver login OTPs.
- Payment gateway — order amount and payment method, to process a payment or repayment; we do not store full card numbers ourselves.
- Credit bureau — your mobile number and, for verification, your PAN, to retrieve your CIBIL score — only after you give consent for that specific check.
- Identity-verification providers — PAN, Aadhaar or bank details you submit, solely to confirm they're genuine.
- Delivery and collection agents — your name, address, order or due amount, and approximate location, so they can complete that one visit.
- Law enforcement or regulators — only where legally required.
5. Location & Field Agents
Tapping “use current location” reads a live GPS fix to confirm we deliver to you and to speed up address entry — it is not stored beyond resolving that address unless you save it. When an order or a cash-collection visit is assigned to a field agent, that agent's app shows them the delivery or collection address so they can find you; it does not track you outside that task.
6. Retention
We keep account and order data for as long as your account is active. KYC documents and credit records are kept for as long as applicable financial-record rules require after your VS Credit facility closes, then deleted or anonymised. If you delete your account, we remove what we're not otherwise required to retain.
7. Your Rights
Under India's Digital Personal Data Protection Act, 2023, you can:
- Ask what personal data we hold about you, and get a copy of it.
- Ask us to correct or complete inaccurate data.
- Withdraw consent for a specific use — for example, a fresh credit-score check — at any time, though this may mean we can no longer offer that feature.
- Ask us to erase data we're not legally required to keep.
- Nominate another person to exercise these rights on your behalf if you become unable to.
Write to our Grievance Officer below for any of these; we aim to respond within 30 days.
8. Security
Data in transit is encrypted (HTTPS/TLS). Identity documents and credit data sit in access-controlled storage, reachable only by the staff and systems that need them to verify you or your account. No method of transmission or storage is perfectly secure, but we treat identity and financial data as our highest-sensitivity category.
9. Children's Privacy
VS Mart, and VS Credit in particular, is intended for users aged 18 and over. We don't knowingly collect data from anyone under 18; if we learn we have, we'll delete it.
10. Changes to This Policy
If we make a material change — for example, adding a new category of data or a new partner we share it with — we'll notify you in the app before it takes effect, not just update this page silently. The version and effective date above always reflect the current text.
11. Contact & Grievance Officer
For privacy questions, a data request, or a grievance under the DPDP Act, 2023: