Privacy Policy

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

By accessing or using our services, you agree to the practices described in this Privacy Policy.

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1. Information We Collect

We collect the following types of information:

1.1 Personal Information

• Name
• Mobile number
• Email address
• Date of birth
• Residential address
• Gender
• Employment details
• Income details
• Bank account details (non-sensitive, read-only where applicable)
• Existing loans and financial obligations
• PAN and Aadhaar details (for KYC purposes)
• Uploaded documents (ID proof, address proof, salary slips, bank statements, etc.)

1.2 KYC & Verification Data

• Aadhaar/PAN verification details
• Photographs and liveness verification
• Geolocation data (only with your consent)

1.3 Device & Usage Data

• Device type, operating system, IP address
• App usage logs and interaction data
• Crash reports and diagnostics
• Cookies (for website users)

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2. How We Use Your Information

• Provide loan consultancy and eligibility assessment
• Match you with suitable lending partners
• Assist in loan application processing
• Perform KYC and identity verification
• Detect fraud and enhance security
• Send service-related communications and updates
• Improve our services and user experience
• Provide customer support
• Comply with legal and regulatory obligations

We do NOT sell your personal data to any third party.

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3. Sharing of Information

3.1 Lending Partners

• Banks and NBFCs for eligibility, credit checks, and loan processing

3.2 Verification & Service Providers

• KYC and identity verification agencies
• Cloud storage providers
• Analytics and communication service providers

All third parties are contractually obligated to protect your data in accordance with applicable laws.

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4. Data Security

We implement industry-standard safeguards including:

• Encryption (SSL/TLS)
• Secure servers and firewalls
• Restricted access controls
• Periodic security audits

Despite our efforts, no system is completely secure. Use of the App is at your own risk.

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5. Data Retention

• Data is retained as long as your account is active
• Retention may continue as required by law or regulatory obligations
• Documents related to loan applications may be deleted within a reasonable period after processing

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6. Your Rights

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

To exercise your rights, contact us at:

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7. Cookies & Tracking

• Improve user experience
• Analytics and performance tracking
• Session management

You can control cookies through your browser settings.

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8. Children’s Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

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9. Third-Party Links

We are not responsible for the privacy practices of third-party websites or services.

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10. Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of the App constitutes acceptance of updates.

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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