Company Policy
Virtual Vortex Bank (VVB)

Last Updated: January 2025

Virtual Vortex Bank (“VVB”, “we”, “our”, “the company”) maintains strict policies to ensure security, fairness, transparency, and protection for all users.

1. Mission Statement

VVB provides a secure, modern digital banking environment where users can access Loans, DPS, FDS, savings programs, and member services with safety, reliability, and transparency.

2. Code of Conduct

All users must follow these principles:

• Honesty: Provide accurate personal information.
• Respect: Be respectful toward support staff and other users.
• Integrity: Refrain from fraudulent or deceptive actions.
• Compliance: Follow all rules and guidelines.

3. User Identity & Verification Policy

Users must register with their real name, email, phone number, country, address, and government ID. Email verification is required before accessing the dashboard.

Personal identification fields cannot be changed after verification. Suspicious accounts may require re-verification.

4. Privacy & Data Protection Policy

VVB is committed to protecting all user data. We do NOT:

• Sell user data
• Share personal data with third parties
• Use user data for advertising

We DO:

• Encrypt and secure all stored data
• Use data only for account protection and system operations
• Allow users to manage their password and profile picture

5. Financial Program Policy

Users must understand and accept the terms of any financial service before enrollment.

Loan Rules

Users must follow interest rates, installment intervals, repayment schedules, and plan-specific rules.

DPS Rules

Installments must be paid consistently to receive full maturity benefits.

FDS Rules

Lock-in periods must be respected. Early withdrawals may not be supported unless stated. Profit schedules must be followed.

No overlapping loans are permitted unless specifically allowed.

6. Account Security Policy

Users must keep their login credentials secure and private. VVB may freeze accounts if:

• Suspicious activity is detected
• Multiple failed login attempts occur
• Account sharing is suspected

7. Support Ticket Policy

Users may contact support for account issues, verification help, or system questions. Abuse, threats, or spam may result in ticket restrictions.

8. Payment & Transaction Policy

• Users must follow payment instructions carefully.
• Processing times may vary.
• Payment errors caused by the user are their responsibility.
• Refunds follow the official refund policy (if active).

9. Prohibited Activities

The following are strictly forbidden:

• Creating multiple accounts
• Providing false identity documents
• Manipulating system code or balances
• Abusing staff or other users
• Engaging in chargeback fraud
• Using VVB for illegal purposes

10. Compliance & Legal Use

All users must comply with laws in their country and report suspicious system behavior immediately.

11. System Update Policy

VVB may update features, interest rates, policies, and terms at any time. Major changes will be announced; continued use means acceptance.

12. Account Termination Policy

Accounts may be suspended or deleted for:

• Fraud or deception
• Violation of company policies
• Abuse of support staff
• Non-payment or loan defaults
• Security breaches or system manipulation

Users may submit an appeal through the support system.

13. Acceptance

By using Virtual Vortex Bank, you confirm that you understand and accept all company policies listed above.