Privacy Policy

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This Privacy Policy describes how FLUBBI FINTECH LLP (“we”, “us”, “our”) collects, uses, stores, and protects your information when you use the Flubbi mobile application (“App”).

By using our App, you agree to the practices described in this Policy.

1. Information We Collect

We collect the following types of personal and non-personal information:

1.1 Personal Information

• Name
• Mobile number
• Email address
• Date of Birth
• Residential address
• Gender
• Employment details
• Monthly income
• Bank account details (non-login sensitive)
• Existing loans and financial obligations
• Aadhaar number & PAN (for KYC)
• Document uploads (ID proof, address proof, salary slips, bank statement, etc.)

1.2 KYC & Verification Data

• Aadhaar details (via e-KYC, if applicable)
• PAN card details
• Photographs & Liveness verification
• Geolocation (optional)

1.3 Device & App Usage Data

• Device type, OS, IP address
• App logs and usage patterns
• Crash data and diagnostics
• Cookies (for website users)

2. How We Use Your Information

We use the collected information for:

• Loan consulting and eligibility assessment
• Matching you with suitable lenders
• Processing loan applications
• Performing KYC and identity verification
• Fraud detection and security checks
• Communicating updates, alerts, and loan offers
• Improving our services and user experience
• Customer support and dispute resolution
• Compliance with legal and regulatory requirements

We do not sell your information to any third party.

3. Sharing of Your Information

We share your data only with:

3.1 Lending Partners

Banks, NBFCs, and financial institutions for:

• Eligibility checks
• Credit assessment
• Loan processing

3.2 Verification Partners

For:

• Aadhaar/PAN verification
• Bank statement analysis
• Document verification

3.3 Service Providers

For:

• SMS/Email communications
• Cloud storage
• Analytics
• Customer support

All third parties are required to protect your information as per legal standards.

4. Data Storage & Security

We implement industry-standard safeguards, including:

• Encryption (AES/SSL)
• Secure servers
• Access-controlled environments
• Regular audits

Your data is stored on secure, compliant servers and retained only for legitimate business requirements.

5. Your Rights

You have the right to:

• Access your personal data
• Update or correct your information
• Request deletion of your account and data
• Withdraw consent
• Opt-out of marketing communications

To exercise these rights, contact: [Support Email]

6. Data Retention

We retain your information:

• As long as your account is active
• As required by law, including banking/financial regulations
• For audit, compliance, and fraud prevention

7. Use of Cookies

If using our website or web services, cookies may be used for:

• User experience improvements
• Analytics
• Session management

You can disable cookies in your browser settings.

8. Children’s Privacy

Our App is not intended for users under 18 years of age. We do not knowingly collect information from minors.

9. Third-Party Links

Our App may contain links to third-party websites or services. We are not responsible for their privacy practices.

10. Changes to This Privacy Policy

We may update this Policy occasionally. Changes will be posted within the App with the updated “Last Updated” date.

11. Contact Us

FLUBBI FINTECH LLP
Email: support@flubbi.in
Phone: +91 93283 53154
Address: B-202, Shivalik Plaza, Nr VIP Circle, Utran, Mota Varachha, Surat-394105