Collex
Privacy Policy
Effective Date: [07/07/2026]
VIMANOTECH INDIA PRIVATE LIMITED ("VimanoTech", "Company", "we", "our", or "us") respects the privacy of individuals and is committed to protecting information processed through ColleX ("ColleX", "Application", "App", or "Platform").
ColleX is an enterprise field collection and visit management platform provided to organizations for managing authorized collection activities, customer visits, follow-ups, repayment communication, field operations, and related business activities.
This Privacy Policy explains what information may be collected through ColleX, how it is used, how it may be shared, how it is protected, and the choices and rights available to users.
By using ColleX, you acknowledge that you have read and understood this Privacy Policy.
1. About Collex
ColleX is a B2B enterprise application used by organizations and their authorized collection personnel.
Depending on the configuration of the subscribing organization, ColleX may provide functionality for:
Customer and loan case management​
Field visit management
Customer contact and interaction tracking
Route and navigation support
Location-based visit verification
Follow-up scheduling
Payment-link sharing
Payment-status tracking
Visit notes and outcomes
Collection history
Attendance and time tracking
Odometer and travel tracking
Field activity monitoring
ColleX does not itself provide loans, credit, investment products, or financial advice.
2. Information We Collect
The information processed through ColleX depends on the features enabled by the subscribing organization and the user's role.
2.1 Account and User Information
We may collect or receive:
Name
Business email address
Employee or user ID
Organization name
User role
Login credentials or authentication information
OTP-related information
Account status
Login and authentication records
This information is used to authenticate authorized users and provide access to the appropriate application functionality.
2.2 Customer and Loan Information
Because ColleX is a field collection application, authorized users may access customer and loan information provided by the subscribing organization.
Depending on the organization's configuration, this may include:
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Customer name
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Contact details
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Authorized address information
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Loan account information
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Loan amount
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Repayment information
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Due amount
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Overdue information
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Payment status
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Repayment history
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Customer reference information
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Visit and follow-up information
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Collection notes
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Interaction records
This information is generally provided by the subscribing organization or its integrated systems.
VimanoTech processes such information to provide the ColleX service to the organization.
3 Location Information
ColleX may collect or access device location information when location-based features are used or enabled.
Location information may be used for:
Customer visit navigation
Route planning
Visit arrival verification
Recording authorized visit locations
Field activity tracking
Travel distance calculation
Visit history
Operational reporting
Location access will depend on the permissions granted by the user, the functionality enabled by the organization, and applicable law.
Where location information is collected in the background or while the application is not actively displayed, such processing will be subject to applicable operating-system permissions and the application's disclosed functionality.
Users can manage location permissions through their device settings. Disabling location permission may affect features that depend on location services.
4. Camera and Photographs
Certain ColleX features may require access to the device camera.
Camera functionality may be used for authorized purposes such as:
Odometer capture
Visit documentation
Capturing permitted photographs related to a customer visit
Other organization-approved operational activities
Photographs captured through ColleX may be associated with the relevant visit or operational record.
Users should only capture photographs necessary for the authorized business purpose and must not use the camera functionality for unrelated or unlawful purposes.
5. Call and Communication Information
ColleX may provide functionality allowing authorized collection personnel to contact customers through an integrated dialer or device calling functionality.
Depending on the implementation, ColleX may process information such as:
Phone number used for an authorized call
Call date and time
Call outcome
Interaction status
Follow-up information
Notes entered by the authorized user
ColleX does not automatically record the content of telephone conversations unless a separate, legally permitted recording functionality is specifically implemented and appropriately disclosed.
Where call recording or monitoring is implemented, it will be subject to applicable law, required permissions, and the relevant organization's policies.
6. Payment and Repayment Information
ColleX may allow authorized users to share organization-approved repayment or payment links.
The Application may receive or display information such as:
Payment link status
Payment status
Payment completion status
Payment-related transaction reference information
Collection outcome
Payment information may be received from the subscribing organization or an integrated payment service.
Unless expressly stated otherwise, VimanoTech does not itself hold customer funds or independently process customer payments through ColleX.
Payment processing may be performed by the organization's designated payment service provider and may be subject to that provider's privacy policy and terms.
7. Attendance, Time and Travel Information
ColleX may collect information related to field activity, including:
Clock-in and clock-out information
Attendance records
Time logs
Odometer readings
Travel distance
Visit start and end information
Field activity records
This information may be used by the subscribing organization for workforce management, field operations, attendance, travel monitoring, and operational reporting.
8. Device and Technical Information
When you use ColleX, we may automatically receive certain technical information, including:
Device type
Operating system
Application version
Device configuration
IP address
Network information
Crash reports
Error logs
Performance information
Authentication and security logs
This information may be used to:
Operate the Application
Maintain security
Detect unauthorized activity
Troubleshoot technical issues
Improve application performance
Diagnose crashes and errors
Maintain service reliability
We will not use device information for purposes unrelated to the operation of ColleX unless permitted by applicable law and appropriately disclosed.
9. Notifications
ColleX may use notifications to provide authorized operational information, such as:
Visit reminders
Follow-up reminders
Task updates
Application alerts
Account or security notifications
Users may manage notification permissions through their device settings.
10. How We Use Information
Information processed through ColleX may be used to:
Authenticate users
Provide access to authorized features
Manage customer visits
Display authorized customer and loan information
Support field navigation
Record visit activities
Manage follow-ups
Support repayment-link sharing
Display payment status
Maintain collection records
Track attendance and field activity
Maintain application security
Detect unauthorized access
Troubleshoot technical issues
Improve application performance
Provide customer support
Comply with legal and regulatory requirements
Meet contractual obligations with subscribing organizations
We do not sell personal information to third parties.
11. How Information Is Shared
Information may be shared or made accessible only where necessary for the operation of ColleX or the purposes described in this Policy.
Depending on the implementation, information may be shared with:
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1. Subscribing Organizations
Information may be accessible to the organization that has authorized your use of ColleX.
The organization may determine which users can access specific customer, loan, collection, visit, and operational information.
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2. Service Providers
We may use third-party service providers for:
​2.1. Cloud hosting
2.2. Infrastructure
2.3 Authentication
2.4 Application monitoring
2.5 Security
2.6 Communication
2.7 Mapping and navigation
2.8 Payment integration
2.9 Technical support
These providers may process information only as necessary to provide their contracted services.
3. Legal and Regulatory Authorities
We may disclose information where required by applicable law, legal process, court order, or regulatory requirement.
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4. Professional Advisers
Information may be disclosed to legal, accounting, audit, security, or other professional advisers where reasonably necessary and subject to appropriate confidentiality obligations.
12. Customer Data and Organizational Responsibility
Because ColleX is an enterprise platform, the subscribing organization generally determines:
Which customer information is provided to ColleX
Why the information is processed
Which employees can access it
How long information should be retained
Which collection activities are authorized
The organization is responsible for ensuring that it has an appropriate legal basis and necessary permissions or notices for processing customer information through ColleX.
Where ColleX processes information on behalf of an organization, VimanoTech acts in accordance with the applicable commercial or contractual arrangement.
13. Account Management and Data Deletion
ColleX is an enterprise application. User accounts are created and managed exclusively by the subscribing organization or its authorized administrators. End users cannot create accounts directly within the application.
If a user wishes to have their account or personal information removed, they should contact their organization's administrator or email lendvia@vimanotech.com.
We will process eligible requests in accordance with applicable laws, contractual obligations, and legitimate business or regulatory requirements.
Because ColleX is an enterprise application, certain information may be controlled or retained by the subscribing organization for legitimate business, contractual, legal, regulatory, audit, security, or record-keeping purposes. Accordingly, deletion requests may be subject to applicable retention requirements.
14. Data Retention
Information may be retained for as long as necessary to:
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Provide ColleX services
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Maintain business and operational records
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Meet contractual obligations
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Resolve disputes
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Maintain security
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Comply with legal or regulatory requirements
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Retention periods may vary depending on:
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The type of information
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The purpose for which it is processed
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The requirements of the subscribing organization
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Applicable legal or regulatory requirements
After the applicable retention period, information may be deleted, anonymized, or securely archived in accordance with applicable requirements.
15. Data Security
We implement reasonable technical and organizational measures designed to protect information from unauthorized access, alteration, disclosure, loss, or destruction.
Security measures may include:
Authentication controls
Role-based access controls
Secure data transmission
Access restrictions
Security monitoring
Logging and audit controls
Infrastructure security measures
Security updates
However, no electronic storage or transmission system can be guaranteed to be completely secure.
Users are responsible for protecting their login credentials and the devices through which they access ColleX.
16. Your Privacy Rights
Depending on applicable law, you may have rights relating to your personal information, including:
Right to access information
Right to correction of inaccurate information
Right to request deletion
Right to request restriction of processing
Right to object to certain processing
Right to withdraw consent where processing is based on consent
Right to raise a privacy-related complaint
Because ColleX is primarily an enterprise application, certain requests may need to be submitted to your employer, organization, or other subscribing entity.
You may also contact VimanoTech using the details provided below.
17. Children's Privacy
ColleX is an enterprise application intended for authorized business users.
It is not directed toward children and is not intended for use by individuals under the age required under applicable law to independently use such services.
We do not knowingly collect information from children for purposes unrelated to the authorized enterprise use of ColleX.
18. Third-Party Services
ColleX may integrate with third-party services, including mapping providers, payment providers, communication services, cloud infrastructure providers, authentication services, and other enterprise systems.
When you interact with a third-party service through ColleX, that service may process information under its own privacy policy and terms.
Users and organizations should review the applicable third-party policies where relevant.
19. International Data Processing
Depending on the infrastructure and service providers used by VimanoTech or the subscribing organization, information may be processed or stored in locations outside the user's country or jurisdiction.
Where applicable, appropriate safeguards will be implemented in accordance with applicable data protection requirements.
19. International Data Processing
Depending on the infrastructure and service providers used by VimanoTech or the subscribing organization, information may be processed or stored in locations outside the user's country or jurisdiction.
Where applicable, appropriate safeguards will be implemented in accordance with applicable data protection requirements.
20. Cookies and Similar Technologies
The web version of ColleX may use cookies, session technologies, or similar technologies where required for:
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Authentication
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Session management
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Security
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Application functionality
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Performance monitoring
The use of cookies may vary depending on the configuration of the web application.
21. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
Changes to ColleX
Changes in data processing practices
Changes in applicable laws
Regulatory requirements
Security or operational requirements
The updated Privacy Policy will be made available through the Application, website, or other appropriate channels.
Where required by law, we will provide appropriate notice of material changes.
22. Google Play and Apple App Store
ColleX may be distributed through Google Play and/or the Apple App Store.
Our privacy disclosures are intended to accurately describe the information collected and processed by the Application.
The Application may request access to permissions such as location, camera, notifications, calling functionality, or storage where required for specific features.
Users can manage permissions through their device settings.
The actual data practices, permissions, third-party SDKs, and information flows implemented in the Application will determine the applicable disclosures on the relevant app store.
23. Contact Us
For privacy-related questions, requests, or concerns, please contact:
Website: https://www.vimanotech.com
Email: lendvia@vimanotech.com
24. Consent and Acknowledgement
By accessing and using ColleX, you acknowledge that you have read and understood this Privacy Policy.
Where consent is required under applicable law, the relevant consent will be obtained through an appropriate mechanism before processing information based on that consent.
Nothing in this Privacy Policy limits any rights available to you under applicable data protection or privacy laws.