Privacy
Policy

VRC OF COMMERCE is committed to protecting your privacy. We have prepared this VRC OF COMMERCE Privacy Policy to describe to you our practices regarding the Personal Data  we collect from users of our VRC OF COMMERCE digital book site and participants in the Program. This VRC OF COMMERCE Privacy Policy is made part of the VRC OF COMMERCE Terms and Conditions. Unless otherwise defined in this VRC OF COMMERCE Privacy Policy, capitalized terms will have the meanings set forth in the VRC OF COMMERCE Terms and Conditions.

By registering for an Account, you agree to the terms of this Privacy Policy and you expressly consent to the processing of your Personal Data in accordance with this VRC OF COMMERCE Privacy Policy. Your Personal Data may be processed in the country where it was collected and in other countries, including the United States, where laws regarding processing of Personal Data may be less stringent than the laws in your country.


Registration Obligations

“VRC OF COMMERCE.com” respects your privacy. This Privacy Policy provides succinctly the manner your data is collected and used by us. You are advised to please read this Privacy Policy carefully. This Privacy Policy describes the information, as part of the normal operation of our services; we collect from you and what may happen to that information. Although this policy may seem long, we have prepared a detailed policy because we believe you should know as much as possible about our practices so that you can make informed decisions. By accepting the Privacy Policy during registration, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy.


We respect your privacy

At VRC OF COMMERCE.com, we are extremely proud of our commitment to protect your privacy. We value your trust in us. We will work hard to earn your confidence so that you can enthusiastically use our services and recommend us to friends and family. Please read the following policy to understand how your personal information will be treated as you make full use of our Site.

We want users to:

  • Feel comfortable using our Site.
  • Feel secure in submitting information to us.
  • Know that by using our Site you are consenting to the collection of certain data.
Privacy Guarantee

We promise that we will not sell or rent your personal information to third parties (except as provided in this Privacy Policy) without your consent. We and/or certain authorized third party service providers will use the personal information provided by you to provide you with the services, which are offered on our portal. From time to time we may reveal general statistical information about our Site and visitors, such as number of visitors, number and type of goods and services purchased, etc. Your trust and confidence are our highest priority.


Information Collected

We only collect the details provided by you on registration together with information we learn about you from your use of our service and your visits to our Site and other sites accessible from them. We may collect additional information in connection with your participation in any promotions or competitions offered by us and information you provide when giving us feedback or completing profile forms. We will collect only such information as is necessary and relevant to us to provide you with the services available on the Site.


Anonymous Information

We will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from “cookies” sent to your browser from:

  • web server cookie stored on your hard drive
  • an IP address, assigned to the computer which you use
  • the domain server through which you access our service

Personally Identifiable Information

We may collect the following personally identifiable information about you like:

  1. name including first and last name
  2. mobile phone number and contact details
  3. ZIP/Postal code
  4. Educational Preference
  5. Interest Area We use contact information internally to:
  • direct our efforts for product improvement
  • contact you as a survey respondent
  • send you promotional materials from our contest sponsors or advertisers
Our Disclosure of Your Information

We will not use your personal information for any purpose other than to complete a transaction with you. We do not rent, sell or share your personal information and we will not disclose any of your personally identifiable information to third parties unless:

  • we have your permission
  • to provide products or services you’ve requested
  • to help investigate, prevent or take action regarding unlawful and illegal activities, suspected fraud, potential threat to the safety or security of any person, violations of VRC OF COMMERCE.com terms of use or to defend against legal claims
  • special circumstances such as compliance with subpoenas, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure
Security

To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate procedures. We will endeavour to safeguard the confidentiality of your personal information; transmissions made by means of the Internet cannot be made absolutely secure. By using this Site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.


Privacy Policy Changes

Although most changes are likely to be minor, VRC OF COMMERCE may change its Privacy Policy from time to time, and in VRC OF COMMERCE’s sole discretion. VRC OF COMMERCE encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change. We reserve the right to change or update this policy at any time. Such changes shall be effective immediately upon posting to this Site.


Your Consent

By using the Site, you consent to the collection and use of the information you disclose on the Site. If we decide to change our Privacy Policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.


Disclaimer

VRC OF COMMERCE.com makes every effort to present accurate and timely information regarding the products we have for sale. However, it is possible that discrepancies or inaccuracies may arise if VRC OF COMMERCE.com receives inaccurate information from our suppliers or other outside sources. Should you encounter any information on our site that you deem inaccurate, please inform us at vrcofcommerce@gmail.com

 

Information Liability

In no event shall VRC OF COMMERCE.com or any of its sources be liable for any direct, special, incidental, indirect, or consequential damages whatsoever (including but not limited to: damages for loss of business profits, business interruption, loss of business information, or any other pecuniary loss) arising out of the use of the information made available on this web site. Information on the VRC OF COMMERCE.com web site may not be reproduced, copied, or altered without the express written consent of VRC OF COMMERCE.com and its affiliates.


Termination

VRC OF COMMERCE.com may terminate this Agreement and these terms and conditions and/or the provision of any of the services at any time for any reason, including any improper use of this portal or your failure to comply with these terms and conditions. Such termination shall not affect any right to relief to which VRC OF COMMERCE.com and its third party providers and distributors may be entitled, at law or in equity. Upon termination of this User Agreement and these terms and conditions, all rights granted to you will terminate and revert to VRC OF COMMERCE.com and its third party providers or distributors, as applicable.


No resale of service

You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.


Types of Data We Collect

We collect Personal Data and Anonymous Data from you when you visit or use the VRC OF COMMERCE Site and/or when you send us information or communications. “Personal Data” means data that allows someone to identify or contact you, including your name, age, gender, address, telephone number, e-mail address, and any other non-public information about you that is associated with or linked to any of the foregoing data. “Anonymous Data” means data that is not associated with or linked to your Personal Data; Anonymous Data does not permit the identification of individual persons. We collect Personal Data and Anonymous Data, as described below.


Data You Provide to Us.

We receive and store any information you enter on the VRC OF COMMERCE Site or otherwise provide to us:

We collect Personal Data from you, such as your user name, password, first and last name, e-mail address, country, zip, age, and gender when you create an Account.

We collect any Personal Data that you provide to us in connection with your participation in the Program, such as Personal Data you submit in surveys and Feedback forms.

If you contact us via e-mail, we may collect your name and e-mail address, as well as any other content included in the e-mail or that you submit to us.


Data Collected Through Technology.

We collect information about you based on your use of the VRC OF COMMERCE Site.

Our servers (which may be hosted by a third party service provider) collect information related to your visit to the VRC OF COMMERCE Site, such as browser type and version, operating system, platform, Internet Protocol (IP) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and a date/time stamp for your visit.

We may use cookies, Flash cookies, and navigational data like Uniform Resource Locators (URLs) on our VRC OF COMMERCE Site to gather information about your online activities relating to the VRC OF COMMERCE Site, such as the date and time of your visit, the information for which you searched and which you viewed, and the sites you visited before and after visiting our VRC OF COMMERCE Site.

We may also use a cookie and Flash cookie to save your settings and to provide customizable and personalized services (such as to hold your Account information). A “cookie” is a small data file placed on your hard drive when you visit certain websites. A “Flash cookie” is a small data file placed on your hard drive when you visit certain websites that use Adobe Flash. You may disable cookies by adjusting the preferences settings of your browser.

Consult the “Help” feature of your browser for specific instructions. To adjust Flash cookie settings, access your Flash management tools from Adobe’s web site directly. If you choose to disable cookies or Flash cookies, some areas of our VRC OF COMMERCE Site may not work properly. Our advertisers and partners may also use their own cookies. We do not control use of these cookies used by advertisers and partners and expressly disclaim responsibility for information collected through them.

We use software tools such as Flash or JavaScript on the VRC OF COMMERCE Site to collect page interaction information such as clicks, drags, and hover-overs, response times, errors, and length of visits to certain pages.

We may use clear gifs (otherwise VRC OF COMMERCE own as web bugs or web beacons) to gather information about your visit to the VRC OF COMMERCE Site, such as what you click on and pages and information you viewed. Additionally, be aware that advertisers and partners may also use their own clear gifs and we do not control use of these by advertisers and partners and expressly disclaim responsibility for information collected through them. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are placed on a user’s hard drive, clear gifs are embedded invisibly on web pages.


Sharing of Information.

We display your user name, badge level, points earned, and other public profile information (collectively, your “Public Profile”) when you post content through blogs, forums, comments, and other community features of the VRC OF COMMERCE Site (collectively, “Public Areas”). Your Public Profile is available on the VRC OF COMMERCE Site to other registered users. If you associate your name with your Public Profile, the people to whom you have revealed your name will be able to personally identify your activities on our VRC OF COMMERCE Site. If you use Public Areas or send emails or other messages to other users of our VRC OF COMMERCE Site, you should be aware that any Personal Data you provide can be read, collected or used by other users of the VRC OF COMMERCE Site and could be used to send you unsolicited messages. We are not responsible for the Personal Data you choose to submit in the Public Areas or send to other users.


Use of Your Data

In general, Personal Data you submit to us is used to provide you with a customized experience, aid us in serving you better, and to respond to your requests. We use your Personal Data to:

  • Facilitate the creation of and secure your Account on our network
  • Identify you as a user in our system
  • Provide the VRC OF COMMERCE Digital book Site and the Program
  • Conduct research relating to the Program
  • Improve our products and services
  • Analyze request and usage patterns, diagnose problems with our server and administer our VRC OF COMMERCE Digital book Site
  • Improve the quality of experience when you use the VRC OF COMMERCE Digital book Site
  • Provide you a personalized experience when you use the VRC OF COMMERCE Digital book Site
  • Send you administrative e-mail notifications, such as security or support and maintenance
  • Advisories (The e-mails we send may contain code that enables our database to track your    
  • Usage of the e-mail, such as whether the e-mail was opened and/or what links (if any) were  
  • clicked)
  • Respond to your inquiries related to employment opportunities or other requests
  • Send you e-mail messages or postal mail informing you of our products and services and third party products and services we believe may be of interest to you, such as new features and services, special offers, and updated information, and for other marketing purposes for us or other companies.
Disclosure of Your Data

Except as described below, we do not share your Personal Data with third parties:

We may share your Personal Data with third party service providers under contract to perform functions on our behalf. Examples include sending postal mail or e-mail, storing data, analyzing data, performing quality assurance, providing technical support, providing marketing assistance, verifying identity, and providing customer service. These third parties may have access to your Personal Data only as needed to perform their functions.

We may share your Personal Data with any companies that acquire our company or our assets. That company will possess the Personal Data collected by us and will assume the rights and obligations regarding your Personal Data as described in this VRC OF COMMERCE Privacy Policy. We will notify you through the VRC OF COMMERCE Site of any change of ownership or control of your Personal Data.

We may share some or all of your Personal Data with any subsidiaries, joint ventures, or other companies under common control (collectively, “Affiliates”), in which case we will require our Affiliates to honor this VRC OF COMMERCE Privacy Policy.

We may disclose your Personal Data if we have a good faith belief that disclosure is necessary to: (1) comply with the law or with legal process served on us; (2) protect and defend the rights or property of us or our users; (3) act in an emergency to protect someone’s safety; or (4) investigate any violation or potential violation of the law, this VRC OF COMMERCE Privacy Policy, or the VRC OF COMMERCE Terms.


Use and Disclosure of Anonymous Data.

We will have the right to use, and share with third parties, Anonymous Data for any purpose and in any manner. Anonymous Data includes non-personally identifiable data we create from Personal Data by excluding information that makes such data personally identifiable.


Your Choices Regarding Your Personal Data

Your Control of the Use of Your Personal Data.  We offer you choices regarding the collection, use, and disclosure of your Personal Data. We may periodically send you free newsletters and emails about new services, products, or other noteworthy news, or that may contain advertisements for third parties. When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email you receive, by changing your Account settings, or by contacting us at vrcofcommerce@gmail.com Should you opt-out of receiving future communications, we may share your email address with third parties to ensure that you do not receive further communications from third parties. Despite your indicated email preferences, we may send you notice of any updates to our VRC OF COMMERCE Terms, VRC OF COMMERCE Privacy Policy, or other terms for the VRC OF COMMERCE Site.


Children’s Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. VRC OF COMMERCE does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.


GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.


CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.


Changes to Personal Data.

You may change any of your Personal Data in your Account by editing your profile through the VRC OF COMMERCE Site or by sending us e-mail or postal mail at the address below. You may request deletion of your Personal Data by us by sending us an e-mail with the subject line “Account Deletion Requested” to vrcofcommerce@gmail.com or by sending us postal mail at the address below, but please note that we may be required (by law or otherwise) to keep this information and not delete it (or to keep this information for a certain time, in which case we will comply with your deletion request only after we have fulfilled such requirements). When we delete any information, it will be deleted from the active database, but may remain in our archives.


Third Party Privacy Policies

VRC OF COMMERCE’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.


Google Double Click DART Cookie

Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads.


Our Advertising Partners

Some of advertisers on our site may use cookies and web beacons. Our advertising partners are listed below. Each of our advertising partners has their own Privacy Policy for their policies on user data. For easier access, we hyperlinked to their Privacy Policies below.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of VRC OF COMMERCE.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on VRC OF COMMERCE, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that VRC OF COMMERCE has no access to or control over these cookies that are used by third-party advertisers.


Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.


Security

We have commercially reasonable security measures in place to help protect against loss, misuse and alteration of your Personal Data in our possession. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while VRC OF COMMERCE uses reasonable efforts to protect your Personal Data, VRC OF COMMERCE cannot guarantee its absolute security.


Contacting VRC OF COMMERCE

We welcome your comments or questions regarding this VRC OF COMMERCE Privacy Policy. Please e-mail us at support@vrcofcommerce.com

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1. Bank Reconciliation Statement is prepared:

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2. Passbook is a copy of:

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3. Unfavourable bank balances means:

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4. A bank reconciliation statement is prepared by

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5. Find out the Bank Balance as per Cash Book from the following particulars :
(i) Overdraft as per Pass Book = Rs. 5,000.
(ii) Cheques deposited into the bank but not credited = Rs.2,000

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6. Bank statement also called?

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7. Ravi’s bank reconciliation statement shows cheques deposited but not credited by bank of Rs. 3,800 and cheques issued but not presented by suppliers of Rs. 3,500. His bank balance as per Cash Book is Rs. 25,000. Balance as per pass book statement is

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8. Bank charges Rs.5,000 debited twice in pass book. What should be done in BRS if overdraft as per cash book is starting point?

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9. Overdraft as per Cash Book is Rs. 10,000. Cheques deposited but not credited Rs.2,500. Cheques issued but not encashed Rs.3,500. What is the balance as per Pass Book?

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10. A bank reconciliation statement is mainly prepared for:

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11. A Bank Reconciliation Statement is:

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12. Customer’s copy of the account provided by the bank to the depositor to record deposits and withdrawals is called:

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13. Pass Book of the account holder is a copy of

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14. Following details are related to a firm’s banking transactions at 31st March, 2019. Balance as per bank statement Rs. 22,650; uncleared lodgements Rs. 3,110; unpresented cheques Rs. 6,290. Bank credit recorded twice by bank in error as Rs. 650.
Which balance for cash at bank should appear in the Balance Sheet as at 31st March, 2019?

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15. If balance in the bank statement shows Rs. 3,000 (Dr.) and there are deposits of Rs. 800 not yet credited and unpresented cheques totalling Rs. 500, the balance in the Cash Book should be:

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16. When check is not paid by the bank, it is called?

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17. VRC Ltd. receives a check for Rs. 100 records it in cash book and deposits it on the same day. A statement sent by the bank that day does not show this Rs. 100. How is this shown on the bank reconciliation statement?

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18. Payment done by the account holder through issuing a cheque is entered in

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19. ‘NSF’ marked in cheque sent back by the bank indicates

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20. Cash book balance was Rs. 1,790 (Dr.). When compared with the bank statement, it was identified that unpresented cheques were Rs. 1,040 and deposits not credited were Rs. 820. Balance of the bank statement will

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21. Uncollected checks are also known as?

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22. Unfavourable bank balance means

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23. A business receives its bank statement showing the closing balance as Rs. 8,500 overdrawn. It is found that there were unpresented cheques amounting to Rs. 2,000 and uncredited deposits amounted to Rs. 1,500. Overdraft as per Cash Book is:

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24. The cheque which is issued to creditor but is not presented for payment is called?

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25. Current account shows Rs. 1,000 as overdrawn. When bank statement is received, it was identified that one of debtors has deposited Rs. 400 into the account and bank charges of Rs. 20 had been debited to the account. Bank Statement balance is

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26. The balance on the debit side of the bank column of cash book indicates?

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