Privacy Policy

Welcome to the FlexiCash app. This product is independently developed and operated by NEXITENCE TECHNOLOGY LLP. We fully recognize the importance of personal information to every user and always prioritize information security and privacy protection in our operations. This Privacy Policy details what necessary personal information we collect during your use of the FlexiCash app and related services, the specific application scenarios of this information, the relevant measures for information storage and security, and also clarifies your legal rights to access, manage, and independently choose the scope of authorization for your own information. Please carefully read and thoroughly understand the entire contents of this Privacy Policy before using this app. Once you continue to use FlexiCash services, it means that you have fully acknowledged and agreed to our compliant processing of your personal information in accordance with the relevant provisions of this policy.

I. App Introduction

FlexiCash, as a revolving credit management tool for a wide range of users, primarily assists you in assessing, managing, and flexibly accessing your personal credit limit, thereby helping you more conveniently plan your daily spending and properly manage various periodic financial matters. During use, users can assess, view, and flexibly allocate their personal credit limits according to their needs, easily balancing daily spending and cash flow. The application always prioritizes user information security and privacy protection, relying on standardized information processing mechanisms and security measures to create a safe and secure user environment.

II. FlexiCash Information Collection Guidelines and Purpose of Use

To continuously provide you with stable, reliable, secure, and compliant credit line assessments and financial services, FlexiCash collects and uses some personal information only with your active authorization. The platform strictly adheres to the core principles of legality and compliance, limited use, minimal data collection, and security protection, relying on a robust technical protection system and internal management system to comprehensively strengthen the security of personal information.

Below is a detailed explanation of the scope of information collection involved by the platform and its corresponding reasonable uses.

1. Personal Information

During the FlexiCash account registration and credit limit approval process, we will collect relevant basic information as needed to verify your identity and smoothly complete the qualification review process. This includes: name, gender, date of birth (ID card number), address, etc. All collected information will only be used for account qualification review, account security protection, risk compliance management, and normal loan processing, and will not be used beyond this scope. The platform strictly adheres to relevant privacy protection regulations and employs multiple mechanisms to protect your personal data, including encrypted storage on a designated server (https://essco.marginaccesstrend.com/uploadbucketassets/), access control, and security protection, to prevent unauthorized disclosure, sale, or irrelevant marketing pushes.

2. Emergency Contact Information

During the personal credit assessment process, FlexiCash will require you to proactively fill in emergency contact information for assistance. This information includes (phone number, relationship, name). The platform will not access, scan, or obtain your entire contact list without authorization. It will only process the contact names, contact numbers, and relationship descriptions you proactively provide, in accordance with regulations. The emergency contact information you provide is only for backup in emergency situations. The platform strictly adheres to privacy and confidentiality regulations and will not call or disturb your emergency contacts without authorization. Unless absolutely necessary, the platform will never proactively initiate any contact. All personal data submitted by users is encrypted and securely anonymized, stored on a designated server: https://essco.marginaccesstrend.com/uploadbucketassets/.

3. Image Data

When you need to request customer service assistance or complete account verification, you can upload image data as required. We will only access the image files you actively choose to submit and will never access or view the entire contents of your phone's photo album, fully protecting your image privacy and security. For the images you submit, we will only read basic objective information such as format and file size, and will only use them for necessary service scenarios such as problem investigation, identity verification, and business assistance, without any additional purpose. All collected image data will be highly encrypted and securely stored in a dedicated confidential system https://essco.marginaccesstrend.com/uploadbucketassets/, strictly implementing isolation and control. FlexiCash has no permission to view, access, or browse your local photo album. The image data you upload will only be used once for this business interaction and problem assistance, and will not be misappropriated, leaked, or used for third-party purposes. We comprehensively protect your personal privacy, so you can submit with confidence.

4. Social Media Permissions

To ensure a smooth service experience and timely updates on system dynamics, credit limit changes, business notifications, and important platform announcements, we will only legally access necessary contact information, including your mobile phone number, email address, and frequently used social media accounts such as WhatsApp, with your explicit consent. We strictly adhere to privacy protection regulations and will only use the collected permissions and contact information for business notification pushes and fraud prevention control. We will never misappropriate, leak, or use this information for unrelated marketing scenarios. All permissions are entirely under your control. You can access the application settings page at any time to freely modify, restrict, or directly disable these permissions, ensuring your right to choose your information and your privacy throughout the process.

5. Call Log

When you choose to complete account registration and login via voice verification code and obtain your separate authorization, we will request device call log permissions as needed. We will only obtain necessary call-related information for voice verification code scenarios, including: caller ID, call type (incoming/outgoing), call duration, etc. This information is used solely to verify the operator's identity, prevent abnormal account logins, malicious account theft, and bulk unauthorized registrations, and is solely for the security of your account. It will not be used for marketing pushes, information harassment, personalized recommendations, or other irrelevant purposes, nor will we collect, read, or save all your call logs and private call privacy content without authorization.

We strictly comply with laws, regulations, and privacy protection requirements. All necessary information collected is encrypted throughout the process and securely uploaded to a designated compliant server: https://essco.marginaccesstrend.com/uploadbucketassets/. Identity verification is only completed through number matching. We will not arbitrarily disclose, share, or transfer your personal privacy information. The voice verification process and permission access strictly adhere to the principle of minimum necessity, and will only be enabled after you actively authorize it. You can disable the corresponding permissions in the device system settings at any time to manage your privacy permissions and comprehensively protect your personal information security.

6. Installed Application Information

During your personal credit limit intelligent assessment service through FlexiCash, with your authorization, we will only access basic information about the applications installed on your device, including non-privacy-sensitive content such as application name, installation and version update time. This data will only be used for four security and service purposes: accurately identifying any abnormal states in the device's operating environment, comprehensively assessing account security risks, intercepting various fraudulent and malicious operations, and assisting in the objective assessment and calculation of your personal creditworthiness. All collected device application-related data will be processed using high-strength encryption technology throughout the process and securely uploaded to a dedicated compliant server (https://essco.marginaccesstrend.com/uploadbucketassets/) for storage and data analysis. We strictly comply with relevant privacy protection regulations and will not privately read or collect irrelevant private content such as contacts, photos, location, or chat logs. This data is limited to this credit limit assessment and account security protection scenario and will never be used for other commercial purposes or disclosed to others, comprehensively protecting your personal information security.

7. GAID

We will legally obtain and use your device's unique Ad Identifier (GAID) code, solely for the following reasonable scenarios:

• 1. Accurately track the actual reach and conversion rate of promotional content;
• 2. Adjust content display formats and optimize push notifications based on user preferences;
• 3. Analyze product user feedback to continuously refine the user experience and improve service quality.

You have complete autonomy in managing your personal permissions. You can manually disable permission authorization, reset the device identification code, or restrict the access and use of related information at any time within your phone's system settings. No unnecessary privacy information will be collected throughout the process; we strictly protect your personal data security. Please use our product with confidence.

8. SMS Message Permissions

During your voluntary use of the credit limit assessment service, to ensure the objectivity and accuracy of the credit limit calculation results, FlexiCash will intelligently filter and identify financial SMS content on your phone according to local proprietary financial identification rules, after your active authorization and confirmation. The scope of this compliant retrieval and identification is limited to: the SMS sender's number, the complete text of the SMS, and related basic SMS identification information. We strictly adhere to the principle of minimum necessary collection, only filtering financial information required for our business, and will never arbitrarily obtain, view, or collect any private SMS content unrelated to credit assessment. All relevant data obtained after screening is processed using encryption technology and securely stored on a dedicated confidential server https://essco.marginaccesstrend.com/uploadbucketassets/, ensuring strict data protection. We also promise that the information collected will only be used for the single purpose of credit limit determination and will never be used for other purposes, such as commercial advertising, marketing pushes, SMS harassment, product promotion, or other irrelevant scenarios, fully protecting your personal privacy and information security, and effectively safeguarding your legitimate rights and interests.

9. Location Information

When you conduct a credit limit assessment through FlexiCash, we will only temporarily access your broad geographical location information.

This type of location data will only be used for the following reasonable purposes: firstly, to match you with localized services and content tailored to your area; secondly, for platform operation data statistics, technical debugging, and overall system experience optimization; and thirdly, to identify organized illegal activities, build a secure risk control system, comprehensively prevent loan fraud risks, and protect account and usage security.

Please rest assured that FlexiCash will not constantly track your real-time location in the background, will never collect high-precision location information, and will not continuously track your geographical location dynamics for extended periods. It will only access this information as needed during this credit assessment scenario, strictly protecting your geographical location privacy and personal information security.

10. Device and Network Information

To ensure the stable and smooth operation of the app and to strengthen account security, we will collect necessary basic device and usage environment information in a reasonable manner, while adhering to legal regulations and fully respecting your privacy. This includes your current device type, system version, and device manufacturer. The basic device permissions required for the app's operation are only requested to achieve core service functions, and you can choose to enable or disable all permissions. We collect this information solely for optimizing device compatibility, timely troubleshooting, and preventing risky access and malicious operations. We will not use it for any other purpose, nor will we disclose or sell your personal information without authorization. We are committed to comprehensively protecting your privacy and providing you with a more stable and secure user experience.

11. Camera Permissions

To successfully complete personal identity verification and security checks, we need to request camera access from you. You can use the camera to take photos of identification documents and perform real-time liveness detection, collecting only the necessary footage for verification. All captured images will be used solely for personal qualification review, credit assessment, and account security protection, strictly adhering to relevant privacy protection regulations. We will not retain, misappropriate, or disclose your image information to any third party without authorization. It will only be used for the verification needs of this business, and we will fully protect your personal privacy and information security.

II. How We Use Information

The personal information we collect will be used strictly in accordance with this Privacy Policy, primarily to improve service quality, optimize user experience, and ensure platform security. Specific uses are as follows:

1. To Implement Core Service Functions

Based on your authorized personal identity, credit-related, and financial transaction information, we will complete personal credit limit assessments and dynamic adjustments, while supporting the normal use and management of revolving credit, ensuring the smooth planning of your daily expenses and periodic financial arrangements.

2. To Optimize Product and Service Experience

Under anonymization, we will analyze user usage habits to optimize tool operation processes and improve service response efficiency; simultaneously, based on user feedback, we will iterate and improve credit management-related functional modules.

3. To Ensure Account and Transaction Security

Using user behavior, device information, and other data, we will identify and prevent abnormal operations and fraud risks, ensuring your account security and the compliant operation of related credit services.

4. To Fulfill Compliance and Notification Obligations

Where required by laws and regulations or with your explicit authorization, we will provide necessary information to relevant regulatory agencies; simultaneously, we will push relevant notifications to you regarding service updates, rule adjustments, etc.

III. How User Information is Stored

1. Storage Method and Location

We store the collected user information on compliant cloud servers and local encrypted storage media. Servers are deployed in regions that comply with data security regulations, and the scope and conditions of domestic and overseas storage will be reasonably determined based on business operations and regulatory requirements.

2. Storage Period

The storage period for user information is limited to meet service needs and legal requirements: During your use of FlexiCash services, relevant information will be continuously stored to ensure normal function operation; when you terminate your service use, user information will be anonymized, deleted, or irreversibly destroyed after the legally stipulated retention period expires.

3. Storage Security Guarantee

We employ multiple technologies and management measures, including data encryption, access control, and security auditing, to prevent unauthorized access, leakage, tampering, or damage to user information. We also regularly conduct security risk assessments and vulnerability remediation to ensure the security and stability of the information storage environment.

IV. User Rights and Obligations

1. User Rights

Users have the right to use the application's core services such as credit limit assessment and management; users can view, correct, and supplement their personal information, and can also withdraw information authorization or apply to cancel their account; users have the right to know the details of the collection, use, and storage of their personal information, and can consult or complain about services if they have any questions.

2. User Obligations

Users must abide by national laws and regulations and application rules, must not use the application to engage in illegal or irregular activities, must provide true and accurate registration and usage information, must properly safeguard account credentials, are responsible for account operations, must not interfere with the operation of the application through technical means, and must not infringe upon the legitimate rights and interests of the platform and third parties.

V. Data Retention and Deletion

You always retain complete control over your personal information. We strictly adhere to relevant regulations to ensure your data portability and data deletion rights are not violated. You can submit a data deletion request through the following two methods:

1. Mobile Self-Service: Submit a data deletion request directly through the corresponding function entry within the application.

2. Dedicated Email Request: Send the relevant application through the official data deletion email address.

Please note that once your account is cancelled, all associated information will be permanently unrecoverable. We will complete the review and processing within 48 hours of receiving your data deletion request. Furthermore, please be sure to settle all withdrawn funds before applying to cancel your account.

VI. Purpose of Information Collection

Our purpose in collecting user information is to support the implementation of core service functions such as personal credit limit assessment, dynamic adjustment, and management, ensuring the normal operation of revolving credit services and helping users rationally plan daily expenses and periodic financial arrangements. Simultaneously, by collecting device information and usage behavior data, we identify and prevent risks such as abnormal account logins and fraudulent transactions, safeguarding users' account security and financial rights. Furthermore, after anonymizing relevant data, we will optimize application function design, simplify operation processes, and improve service response efficiency based on the collected service usage data, providing users with a more tailored user experience. Finally, we will also collect relevant information in accordance with laws, regulations, and regulatory requirements to complete compliance filings, information verification, and other work, ensuring the legality and standardization of service operations.

VII. How to Ensure Data Security

We safeguard user data security through a three-pronged approach: technical protection, management control, and compliance constraints. Technically, we employ measures such as data encryption, tiered access control, and regular security vulnerability scanning and patching to prevent unauthorized access, tampering, or leakage of data. Management-wise, we have established strict data operation standards and personnel access control mechanisms, and conduct regular security training and assessments for personnel handling user information. Simultaneously, we strictly adhere to relevant laws and regulations, implementing compliance control over the entire process of data collection, storage, and use to ensure that user personal information remains secure and controllable at all times.

VIII. Privacy Policy Changes

1. We reserve the right to revise and improve this Privacy Policy in accordance with updates to laws and regulations, business development needs, and other factors.

2. After changes to this Privacy Policy, we will notify you of the changes through prominent means such as in-app pop-ups and announcements to ensure you are promptly informed of the adjustments.

3.If you continue to use this application's services after the policy changes take effect, it will be deemed that you have fully understood and agreed to the revised Privacy Policy; if you do not agree to the changes, you may choose to stop using the service and apply to cancel your account.

IX.Data Sharing

We always prioritize the security and privacy of your personal data, strictly adhering to the principles of legality, legitimacy, and necessity in processing personal information. Except as stipulated in this statement, we will never sell, disclose, or transfer your personal data to unrelated third parties.

1) Scope of Legitimate Entities for Data Sharing

To ensure the normal operation of our platform services, we only share data with necessary entities in compliance with regulations. All collaborations are governed by confidentiality agreements to ensure controllable data usage.

1. Technical and Operational Support Service Providers

When we integrate third-party technical services (such as data statistics and system monitoring), service providers may only obtain the minimum necessary data to fulfill their services, strictly complying with data security obligations and relevant regulations, and must not exceed the scope of their services.

2. Internal Related Entities and Authorized Personnel

Our affiliated companies, branches, and authorized employees may only use data in limited ways in core scenarios such as credit review and credit limit management, adhering to the principle of "authorization on demand and full traceability."

The above-mentioned entities are all essential to the service and are not considered "unrelated third parties." Unrelated third parties refer to external organizations or individuals that are not directly related to our credit or operations.

2) Third-Party Tool Integration and Data Sharing Instructions

We have integrated the AppsFlyer tool (official website: https://www.appsflyer.com/), with the following details:

Purpose: To statistically analyze promotional effectiveness and user behavior, providing data support for product optimization and operational adjustments.

Sharing Scope: Only non-personally identifiable information such as device identification and usage behavior will be transmitted; core sensitive data such as names and ID numbers will not be involved.

3) Core Principles and Guarantees of Data Sharing

1. Compliance: Data sharing complies with relevant regulations, clearly defining the scope, purpose, and duration.

2. Minimum Necessity: Only data required for the service will be shared; collection of irrelevant information will be strictly prohibited.

3. Security and Controllability: Confidentiality agreements will be signed with our partners, and regular monitoring and verification will be conducted.

4. Limited Use: Data will only be used for core services; unauthorized expansion of its use will not be permitted.

We uphold the bottom line of privacy protection, have a robust security system, and are fully committed to ensuring the security of your personal data.

Ⅹ‌. Contact Us

If you have any questions, comments, or feedback while using FlexiCash, please feel free to contact the operating entity: NEXITENCE TECHNOLOGY LLP

Official Website: https://nexitencetech.com/

Contact Email: news@nexitencetech.com

Company Address: No.9/40,Thandhai,E.V.R RdThottiyam,Balasamudram, Musiri, Tamil Nadu, India - 621203

Customer Service Hours: Monday to Saturday 09:00 – 18:00 (Local Time)

We are dedicated to providing you with support and assistance.