The purpose of this Privacy Policy (referred to as the "Policy") is to inform Users—whether they are registered members, unregistered visitors, or others (collectively referred to as "Users")—about how personal data and information are collected and safeguarded on both the "Website" and the mobile application known as Flexi Finance (referred to as the "Platform").
This Policy applies to all user-related information that Flexi Finance collects, receives, possesses, manages, controls, stores, handles, or processes.
By accessing the Platform, users explicitly acknowledge and agree that Flexi Finance will collect, maintain, use, process, and disclose user information, which may also include sensitive personal data, in accordance with the guidelines outlined in this policy.
Users also understand that the Platform may contain hyperlinks to other websites. When users click on a hyperlink leading to a third-party website, they will be redirected to that specific site. It's important to note that these external sites are not operated by Flexi Finance. Therefore, users are strongly advised to review the privacy policies associated with these external websites or links. Flexi Finance has no control over, and assumes no responsibility for, the content, privacy practices, or policies of any third-party websites or services.
We collect and securely store the details you provide on an occasional basis while using our platforms, whether it involves our website or applications.
Our primary goal in doing so is to ensure you have a secure, efficient, seamless, and personalized experience with our financial services. This approach empowers us to provide services and functionalities aligned with your needs, adapting our platform to enhance your safety and convenience, as well as improving the quality of services we offer. Furthermore, we collect personal information from you that we consider essential for achieving the aforementioned objectives.
In general, you can navigate the Flexi Finance website without disclosing any personal information or your identity. However, when you decide to create an account on either the App or the Website (depending on the context), you will need to provide specific essential information that is necessary for delivering personalized services.
Flexi Finance collects various types of information from users of the Platform, including but not limited to the following categories:
This category includes data related to the personal or situational attributes of an identified or identifiable individual. Such data can encompass, but is not limited to, elements such as name, email address, gender, birthdate, postal address, contact number, exclusive login credentials, password, password confirmation, marital status, family details, and supplementary information provided through the corresponding medium. Additionally, personal information may include aspects such as usernames, account identifiers, passwords, and other personally identifiable details. It also extends to particulars or correlated data derived from government-issued identity documents like Aadhaar cards, PAN cards, and biometric authentication. Personal information further encompasses historical credit records, income insights, details of loans availed or sought through the platform, transaction histories including payments and reimbursements, and specifications related to bank accounts and corresponding bank statements.
Browsing our website offers limited access without requiring membership registration. However, engaging in most activities, such as using loans and other financial services on both the website and app, necessitates registration and the provision of the aforementioned details.
Depending on the specific information required, we will distinguish between mandatory and optional fields. It's important to note that you have the option to withhold your personal information by refraining from using certain services or features accessible via the Platform.
The data conveyed by the app, as well as how that data is used, depends on the extent to which you control privacy settings on your device. Upon application installation, we retain data collected via a distinctive identifier associated with the device in use. When you install applications, we acquire data from your device and explicitly seek your consent to obtain the necessary information.
To enhance the security of your account and prevent unauthorized usage on other devices, we collect device-related data for fraud detection, while also facilitating automatic updates and additional security measures. Furthermore, this data helps us improve our services and provide you with an enhanced personalized user experience by providing us with valuable insights into your device's ownership and behavioral attributes. You have the flexibility to modify the extent of device access granted to us through your device settings, giving you control at any time.
In our efforts to enhance the quality of the Platform, we track data provided by your browser or mobile device while you interact with or use our Services. This tracking is carried out through cookies or their mobile equivalents, maintaining a stance of non-personal identification. By using our Services, you explicitly consent to our use of cookies.
Flexi Finance employs various methods to collect user information, including:
1. Information provided by users through the completion of registration forms on the platform and/or applications for financial products.
2. Information conveyed by users when communicating directly with Flexi Finance via email, letters, messages, etc.
3. Details provided by users during phone interactions with Flexi Finance, which may be recorded for reference.
4. Information voluntarily shared by users through participation in surveys, polls, sweepstakes, contests, or promotional initiatives.
5. Information disclosed by users solely through access or browsing of the Platform.
6. Information obtained by Flexi Finance from independent third-party sources.
7. Information Captured via Mobile/Handheld Devices.
Upon submission of user information to Flexi Finance, the user explicitly acknowledges and accepts the utilization of said information as stipulated within this policy.
User information serves various purposes, including but not limited to the following:
- Validation of user identity.
- Enhancement of Platform usability.
- Acquisition of credit reports and evaluation of creditworthiness for loan/credit accessibility through Flexi Finance.
- Provision of loans and financial services, facilitated by regulated entities like banks, NBFCs, NBFC-P2P, and other financial collaborators.
- Adherence to legal responsibilities of Lending Partners, including know-your-customer protocols, anti-money laundering measures, CKYRC requisites, etc., to facilitate lending and financial provisions.
- Prevention and detection of fraudulent activities.
- Dispatch of user surveys and marketing communications deemed of interest by Flexi Finance.
- Diagnosis of technical complications, provision of support, and resolution of user issues.
- Facilitation of communications, display of advertisements, issuance of notifications, and presentation of promotional offers.
- Generation of reports, compliance assessments, and filing adherent to pertinent laws.
- Communication with users about lenders, assorted financial services, third-party offerings, and opportunities facilitated via Flexi Finance.
- Understanding of user preferences and necessities.
- Enablement of user participation in interactive features available on the Platform.
- Refinement of Platform functionality and safeguarding of its integrity.
- Augmentation and enhancement of products/services accessible on the Platform.
- Assurance of adherence to all applicable legal statutes.
Flexi Finance is committed to safeguarding users' sensitive personal information and data in accordance with applicable Indian laws.
It is important to note that upon repayment of the loan/financial facility, the consent granted to us through the Privacy Policy will not be automatically revoked, and your account on the Platform will not be deleted.
We will retain your information and/or data for the duration mandated by Flexi Finance/Financial Partners to (a) enforce legal rights and obligations towards you; (b) ensure adherence to obligations under applicable laws as outlined by the Reserve Bank of India and responsibility.
The storage of your personal information takes place on secure cloud servers. We implement firewalls, SSL data encryption, and access authorization controls. Reasonable precautions are employed to protect the integrity and security of your personal information against loss, unauthorized access, disclosure, theft, copying, use, or modification. We use appropriate security measures and procedures as required by law to protect your information. The data you provide to us might be stored on secure servers situated within or outside of India.
Users are responsible for keeping their information accurate and up to date on Flexi Finance. Users have the right to review their provided information and request corrections to any inaccuracies in personal information or sensitive data, where feasible.
All content featured on the Platform, including graphics, text, icons, interfaces, audio clips, logos, images, reviews, comments, and software, is the property of Flexi Finance and/or its content suppliers. This content is protected by both Indian and international copyright laws and other pertinent laws governing intellectual property. The usage of Platform content, including reproduction, modification, distribution, transmission, republication, display, or performance, requires express written consent from Flexi Finance. Except for properties belonging to Flexi Finance, all other trademarks, brands, and copyrights belong to their respective owners. Modifying paper or digital copies of any materials obtained from the Platform is prohibited, and users may not separate illustrations, photographs, video or audio sequences, or graphics from accompanying text.
Using any portion of Platform content for commercial purposes is strictly prohibited without written authorization from Flexi Finance or its licensors. If a user prints, copies, or downloads any part of the Platform in violation of this Agreement's terms, their right to use the Platform shall be immediately terminated, and they must either return or destroy any copied materials.
In the event that Flexi Finance revises this Privacy Policy, the updated version will be made available on the Platform. Users are encouraged to periodically revisit this page to stay informed about the latest privacy practices implemented by Flexi Finance.
Flexi Finance outlines a dedicated procedure for addressing appeals. Should users have any grievances or reservations concerning the handling, retention, and disclosure of their information, they are encouraged to reach out to us.
For all matters related to inquiries, disputes, and inquiries about the Privacy Policy, users can submit complaints and provide feedback through written communication or via email. The contact details are as follows:
Address: U-12/13,DLF PHASE-3,GURGAON HARYANA, HARYANA, Gurgaon, Haryana, India, 122002
Email: server@prinkarsh.in