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Last updated: 30 September 2025

Privacy Policy

FluxPe Technologies Pvt. Ltd. ("Company," "we," "our," "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access or use our websites, mobile applications, products, and services.

Important Notice

By using our Services, you agree to the practices described in this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of our Services. This policy applies to all FluxPe services including our cross-border payment platform, merchant services, and related applications.

1. Information We Collect

Personal Information Provided by You

  • Name, email address, phone number, and contact details
  • Business or merchant details (company name, GSTIN, PAN, address, bank details)
  • KYC documents and identification numbers for compliance (Aadhaar, PAN, business registration documents)
  • Payment information (UPI IDs, bank account details, payment gateway credentials)
  • Login credentials and authentication data

Automatically Collected Information

  • Device details (IP address, browser type, operating system, device identifiers)
  • Usage data (pages visited, clicks, interactions, transaction history)
  • Geolocation data (if you enable location services)
  • Cookies, pixels, and similar tracking technologies

Third-Party Data

  • Information from payment gateways, financial institutions, fraud-prevention agencies, and verification partners
  • Data obtained through marketing partners, affiliates, and analytics providers

2. How We Use Your Information

Primary Uses

  • Providing, operating, and improving our Services
  • Processing payments, settlements, refunds, and generating invoices
  • Merchant and customer onboarding, verification (KYC/AML compliance)
  • Preventing fraud, unauthorized transactions, and ensuring security
  • Communicating with you (transaction alerts, updates, promotional content)
  • Providing analytics and reporting services to merchants
  • Complying with legal and regulatory obligations (RBI, NPCI, SEBI, IT Act, DPDP Act, GDPR, CCPA, etc.)
  • Marketing, remarketing, and personalization of services

3. Sharing of Information

We Share Information With

  • Payment partners and banks: To facilitate UPI, card, wallet, or other transactions
  • Service providers: Cloud hosting, IT infrastructure, fraud detection, analytics, customer support
  • Regulatory authorities: RBI, NPCI, enforcement agencies, or as required by law
  • Business transfers: In case of merger, acquisition, or restructuring
  • Legal obligations: To protect our rights, enforce agreements, or prevent unlawful activity

4. Data Security

Security Measures

  • End-to-end encryption of sensitive data (UPI IDs, bank details)
  • Secure data storage with limited access controls
  • Multi-factor authentication for account access
  • Regular security audits, penetration testing, and compliance certifications (ISO 27001, PCI-DSS)
  • Real-time fraud monitoring and prevention systems
  • Secure API endpoints with rate limiting and authentication
  • Regular security training for all employees handling data

5. Data Retention

Retention Policies

  • We retain personal and transactional data only as long as necessary to provide our Services
  • Data retention may extend for 7–10 years as mandated by Indian financial regulations and RBI guidelines
  • Transaction records are maintained as per tax law requirements
  • Upon expiry, data will be securely deleted or anonymized
  • Users can request data deletion subject to legal and regulatory obligations

6. Your Rights

Data Protection Rights

  • Access, correct, or update your personal data
  • Request deletion or anonymization of your data (subject to legal requirements)
  • Restrict or object to data processing for marketing purposes
  • Withdraw consent for marketing communications
  • Data portability (receive your data in a structured, machine-readable format)
  • File a complaint with the relevant data protection authority
  • Request information about data processing activities

7. Cookies and Tracking

We use cookies, web beacons, and tracking tools to improve user experience, remember login sessions, provide analytics, secure transactions, and deliver targeted advertising. You may disable cookies in your browser, but some features of the Services may not function properly.

8. International Data Transfers

Your data may be transferred and processed in other jurisdictions (including outside India) to facilitate cross-border payment services. We ensure appropriate safeguards such as standard contractual clauses and lawful bases under GDPR/DPDP Act to protect your information during such transfers.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover such data has been collected, it will be deleted immediately upon discovery.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. The revised version will be posted on our website with the "Last Updated" date. Continued use of our Services constitutes your acceptance of the revised policy.

Contact Us

For any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact our Data Protection Officer:

FluxPe Technologies Pvt. Ltd.
WeWork Galaxy, Bangalore, India
Email
info@fluxpe.com
Phone
+91-80-4242-4242
Website
www.fluxpe.com

Response Time: We typically respond to privacy-related inquiries within 5-7 business days. For urgent matters, please call our support line.

This Privacy Policy is comprehensive and legally aligned for fintech/payment platforms. It complies with Indian regulations including the Digital Personal Data Protection Act 2023, RBI guidelines, and international standards like GDPR and CCPA.