Last Update: August 25, 2019
When you use any of the services provided by PayFlexi on this website, or on any portal provided by PayFlexi or on the website of any of PayFlexi's Merchant Partners, PayFlexi may seek and collect certain personal information (hereinafter referred to as "Information"). Accordingly, whenever You use this website, avail any of the services of PayFlexi directly or with partnership with a Merchant Partner of PayFlexi, You consent to the collection, use and disclosure of the Information in accordance with the terms and conditions of this Policy.
Personal information refers to any information that relates to a natural person, which is capable of identifying such a person. PayFlexi may collect Information such as your name, address, mobile number, date of birth, gender, qualifications, proof of identity, proof of address, bank account details, transaction history on its Merchant Partner's websites, data available on mobile phone and other electronic devices, etc.
The Information may be collected from you when you use the website payflexi.co, or when you use the mobile phone applications of PayFlexi, or when you fill in the information in any online application form provided by PayFlexi or when you make a transaction with any of the Merchant Partners of PayFlexi. The Information being collected may be categorized into mandatory and voluntary. In the event you do not provide the mandatory information, PayFlexi may not be able to provide You with its services including the PayFlexi Option.
PayFlexi only collects Information, which is relevant with the services being provided by PayFlexi. The Information is collected to analyse your transaction patters and to conduct credit worthiness checks.
We use data collection devices such as "cookies" on certain pages of our website and in our mobile applications to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits.
If you transact with us, we collect some additional information, such as a billing address, a credit/debit card number and credit/debit card expiration date and/ or other payment instrument details and tracking information from cheques or money orders.
Utilisation of the Information
The Information collected will be used for the following purposes:
- To verify your identity on PayFlexi's platform or the platform of any of its Merchant Partners
- To create the best, personalised experience for you
- For internal data analysis and marketing operations
- To reach out to potential customers and offer them the best customised services through the platform
- Ensure adherence to legal and regulatory requirements for prevention and detection of frauds and crimes amongst others
PayFlexi will keep your Information confidential to the maximum extent possible. PayFlexi may have partnership and/or collaboration arrangement with various financial institutions ("FI Partners") and merchants ("Merchant Partners"), and may share Your Information with them if required. The Information thus shared with the FI Partners and the Merchant Partners shall be processed and dealt by them in accordance with individual privacy polices. You hereby consent to your Information being shared by PayFlexi with its FI Partners and/or Merchant Partners. PayFlexi does not make any representation about the privacy policies of any third parties.
In the event PayFlexi receives any document on behalf of the FI Partner or the Merchant Partner, PayFlexi shall collect and retain such documents as an agent for the FI Partner and the Merchant Partner as the case may be.
PayFlexi does not sell or rent your Information. The Information is only used by PayFlexi to provide its services to its customers.
The security of your Personal Information is very important to us. We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. If you have any questions about security on the Site, you can contact us.