The Privacy Policy of FINFLAREON, operated and managed by FLAREON INNOVATIONS PRIVATE LIMITED, explains how your personal data is collected, processed, and used whenever you interact with our platform or services. This Policy does not apply to third-party websites accessed through our platform or external entities associated with FINFLAREON.

Definitions

• “we,” “our,” “us” – refer to FINFLAREON.
• “you,” “your,” “user,” “users” – refer to individuals accessing or using the platform.

If you do not agree with any practices described in this Policy, please stop using the platform immediately. This Policy should be read alongside our Terms and Conditions, as both together govern the use of our services.

Information We Collect

To ensure smooth operations, compliance, and an improved user experience, we collect the following types of information:

Personal Information

• Name and contact details (phone, email, address)
• Government-issued identification (e.g., PAN, Aadhaar) for KYC verification when required

Financial Information

• Bank account details, UPI ID, debit/credit card information
• Invoices and billing records
• Transaction histories stored securely for compliance and customer support

Technical Information

• IP address, device type, browser version, operating system
• Activity logs, timestamps, referral sources, and clickstream data

Cookies & Tracking

• Used to manage sessions, store preferences, prevent fraud, enhance performance, and personalize user experiences

Purpose of Data Usage

We never sell, lease, or rent your personal information. Data may be shared only when necessary for legitimate purposes, such as:

• Processing and managing financial transactions
• Identity verification for users and merchants
• Meeting legal and regulatory obligations (including KYC)
• Detecting, preventing, and investigating fraudulent or suspicious activity
• Providing customer support and resolving disputes
• Maintaining, upgrading, and testing platform performance
• Sending service-related alerts and notifications
• Conducting audits, reviews, and internal analytics
• Personalizing user experiences and improving service quality
• Promoting services, only with explicit user consent

Information Disclosure

Although user data is not sold or leased, it may be shared in specific, legitimate scenarios:

• Payment Partners & Banks – To enable secure transaction processing
• Merchants – To confirm payment completion and provide related transaction details
• Service Providers – For KYC verification, IT support, cloud hosting, fraud prevention, and analytics
• Regulatory Authorities – When required by law, court orders, or regulatory authorities
• Corporate Restructuring – During mergers, acquisitions, or asset transfers, user information may be included as part of transferred business assets

Data Retention

• Personal and financial data is retained only as long as required for operational or legal purposes.
• KYC records and transaction data are typically stored for 8–12 months in line with regulatory obligations.
• After this period, information is securely deleted or anonymized.

Data Protection and Security

We implement multiple security measures to protect your information:

• SSL/TLS encryption for secure communication
• Routine vulnerability testing and independent security audits
• Restricted access for trained, authorized personnel
• Multi-factor authentication, fraud monitoring, and data loss prevention

Note: While we use industry-standard protections, no system can guarantee full security. Users should employ strong passwords and protect their login credentials.

Your Rights

Depending on applicable laws (including GDPR where relevant), users may exercise the following rights:

• Access – Request a copy of personal data we hold
• Correction – Update or correct inaccurate information
• Deletion – Request removal of personal data
• Withdraw Consent – Revoke previously given consent
• Restriction/Objection – Limit or object to specific processing activities
• Data Portability – Obtain personal data in a structured, machine-readable format

To exercise any of these rights, contact us at (mention email).

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to:

• Manage sessions and user preferences
• Enable login functionality and activity tracking
• Generate usage statistics and analytics
• Detect and prevent suspicious or fraudulent behavior

Users can disable cookies through browser settings, though some features may not function properly without them.

External Links and Integrations

• The platform may contain links or integrations with third-party services (e.g., banks, KYC providers, analytics tools).
• We do not control or assume responsibility for how these third parties handle your data.
• Users are advised to review the privacy policies of third parties before sharing information.

Protection of Minors’ Data

• Services are intended only for users aged 18 years and above.
• We do not knowingly collect personal data from minors.
• If such data is identified, it will be deleted promptly.

Policy Updates

• This Privacy Policy may be updated periodically due to legal, technical, or operational reasons.
• Changes will be reflected here with a “Last Updated” date.
• Users are encouraged to review this Policy periodically.

User Consent

By continuing to use our services, you confirm that you have read, understood, and agreed to this Privacy Policy. If you disagree with any part, please discontinue use of the platform.

Contact Details

For questions, feedback, or complaints regarding this Privacy Policy, please contact us at (mention email).