Privacy Policy

1. Information We Collect

Personal Information

We collect information that can identify you personally when you register, subscribe, or interact with our Service:

• Account Information: Name, email address, phone number, date of birth, gender, and profile picture
• Payment Information: Billing address, payment method details (processed securely through our payment partners)
• Identity Verification: Government ID information for verification when required
• Communication Data: Messages, feedback, and correspondence with our team or experts

Non-Personal Information

We automatically collect certain information when you use our Service:

• Device Information: Device type, operating system, unique device identifiers, browser type
• Usage Data: Pages viewed, courses accessed, watch time, learning progress, features used
• Location Data: General geographic location based on IP address
• Log Data: Access times, referring URLs, error logs, and diagnostic data

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide and improve our financial learning platform and expert consultation services
• Personalization: To customize your learning experience and recommend relevant courses
• Account Management: To manage your account, process subscriptions, and handle payments
• Communication: To send updates, respond to inquiries, and provide customer support
• Marketing: To send promotional content and offers (with your consent)
• Analytics: To understand usage patterns and develop new features
• Security: To detect, prevent, and address fraud and security issues
• Legal Compliance: To comply with applicable laws and regulations

3. Information Sharing & Disclosure

We do not sell, trade, or rent your personal information to third parties.

We may share your information only in the following circumstances:

• Service Providers: With trusted third-party providers who assist us in operating our Service (payment processors, cloud hosting, analytics)
• Expert Consultants: Limited information shared with financial experts to facilitate consultations
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

Third-Party Service Providers

• Payment Processing: Razorpay
• Cloud Infrastructure: Amazon Web Services, Google Cloud Platform
• Analytics: Google Analytics

4. Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption: All data transmitted is encrypted using SSL/TLS protocols
• Secure Storage: Personal data is stored on secure cloud infrastructure with encryption at rest
• Access Controls: Strict access controls and authentication measures
• Regular Audits: Regular security audits and vulnerability assessments
• Payment Security: All payments are processed through PCI-DSS compliant gateways

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide you with our Service and maintain your account
• Comply with legal obligations (tax and accounting requirements)
• Resolve disputes and enforce our agreements

If you delete your account, we will delete or anonymize your personal information within 180 days, except where retention is required by law.

6. Your Rights & Choices

You have the following rights regarding your personal information:

• Access: You can access and review your personal information through account settings
• Correction: You can update or correct inaccurate information
• Deletion: You can request deletion of your account and personal data
• Portability: You can request a copy of your data in a machine-readable format
• Opt-Out: You can opt out of marketing communications at any time
• Withdraw Consent: You can withdraw consent where we rely on it to process data

To exercise these rights, contact us at privacy@flexxmoney.in.

7. Cookies & Tracking

We use cookies and similar tracking technologies to enhance your experience:

• Essential Cookies: Required for the Service to function (authentication, security)
• Analytics Cookies: Help us understand how users interact with our Service
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

You can control cookies through your browser settings. Disabling certain cookies may affect functionality.

8. Third-Party Services

Our Service may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

9. Children's Privacy

Our Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe your child has provided us with personal information, please contact us at privacy@flexxmoney.in.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will update the “Last updated” date and notify you through the app or email. Your continued use of the Service indicates your acceptance of the updated Privacy Policy.

11. Grievance Redressal

If you have concerns about how we handle your personal information, contact our Grievance Officer:

• Grievance Officer: Data Protection Officer
• Email: grievance@flexxmoney.in

We will acknowledge your grievance within 24 hours and aim to resolve it within 30 days.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: privacy@flexxmoney.in
• General Support: support@flexxmoney.in
• Address: Kairos Labs Pvt Ltd, P.No. 928, Barkat Nagar, Kisan Marg, Tonk Phatak, Jaipur — 302015