Privacy Policy

1. Introduction

Flowmin Technology ("we," "us," or "our") is committed to protecting the privacy and security of personal information we collect from visitors to our website and clients who use our fintech infrastructure and payment solutions.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website at FlowminTechnology.in, submit inquiries through our contact forms, or interact with us as a client or prospective client.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with this policy, please do not use our website or services.

2. Information We Collect

We collect information in the following ways:

2.1 Information You Provide Directly

When you interact with us, you may voluntarily provide the following information:

• Contact Form Submissions: Name, email address, phone number, company name, website, requirement type, and messages you send through our contact forms.
• Email Communications: Information you provide when you email us directly at info@flowmintechnology.in or through other communication channels.
• Business Inquiries: Details about your business requirements, use cases, transaction volumes, and other information shared during consultation calls or meetings.
• Client Onboarding: If you become a client, we may collect additional business information, identification documents, bank account details, and other information necessary to provide our services.

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain technical information:

• Log Data: IP address, browser type and version, operating system, pages visited, time and date of visits, time spent on pages, and other diagnostic data.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to monitor activity on our website and store certain information. See Section 4 for more details.
• Device Information: Information about the device you use to access our website, including device type, unique device identifiers, and mobile network information.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Respond to Inquiries: To reply to your questions, requests for information, or consultation requests submitted through our website or via email.
• To Provide Services: To deliver, maintain, and improve our payment gateway, AEPS, white-label solutions, and API integration services to our clients.
• To Communicate: To send service-related updates, technical notifications, security alerts, support messages, and administrative communications.
• To Improve Our Website: To understand how visitors use our website, analyze trends, and improve user experience and functionality.
• For Business Operations: To process transactions, manage client relationships, maintain records, and fulfill our contractual obligations.
• For Compliance: To comply with legal obligations, enforce our terms and conditions, protect our rights and interests, and prevent fraud or misuse of our services.
• For Marketing (with consent): To send promotional materials, product updates, or relevant industry information only if you have opted in to receive such communications.

4. Cookies & Similar Technologies

We use cookies and similar tracking technologies to track activity on our website and collect certain information to improve your experience.

4.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and recognize you on return visits.

4.2 How We Use Cookies

• Essential Cookies: Required for the website to function properly, including session management and security features.
• Analytics Cookies: Help us understand how visitors interact with our website by collecting anonymous usage data.
• Functional Cookies: Remember your preferences and choices to provide a more personalized experience.

4.3 Your Cookie Choices

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or alert you when cookies are being sent. However, disabling cookies may affect the functionality of our website.

5. Data Sharing & Third Parties

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:

5.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, conducting business, or providing services to you, including:

• Hosting Providers: To host our website and store data securely.
• Analytics Services: To analyze website traffic and user behavior.
• Communication Tools: Email service providers and customer relationship management platforms.
• Payment Processors: To facilitate transactions and financial operations (for clients only).

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

5.2 Banking and Payment Partners

For clients using our payment infrastructure services, we may share necessary information with banks, payment networks, and regulatory authorities as required to provide services and maintain compliance.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests from public authorities, law enforcement, or regulatory bodies.

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Our security measures include:

• Encryption of data in transit using HTTPS/TLS protocols
• Encryption of sensitive data at rest
• Access controls and role-based permissions
• Regular security monitoring and vulnerability assessments
• Secure data centers with physical and network security

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

The retention period depends on:

• The nature of the information collected
• The purpose for which it was collected
• Legal, regulatory, or contractual obligations
• Whether you are an active client or have an ongoing inquiry

When information is no longer needed, we securely delete or anonymize it in accordance with our data retention policies.

8. Your Rights & Choices

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you.
• Correction: You can request correction of inaccurate or incomplete information.
• Deletion: You can request deletion of your personal information, subject to legal retention requirements.
• Opt-Out: You can opt out of receiving marketing communications by following the unsubscribe instructions in our emails or contacting us directly.
• Data Portability: In certain circumstances, you may request a copy of your data in a structured, commonly used format.
• Withdraw Consent: Where we process your information based on consent, you can withdraw consent at any time.

To exercise any of these rights, please contact us using the details provided in Section 11 below.

9. International Transfers

Flowmin Technology is based in India. If you are accessing our website or services from outside India, please be aware that your information may be transferred to, stored, and processed in India or other countries where we or our service providers operate.

By using our website or services, you consent to the transfer of your information to countries that may have different data protection laws than your jurisdiction. We take appropriate steps to ensure your information is protected in accordance with this Privacy Policy regardless of where it is processed.

10. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes, we will update the "Last Updated" date at the top of this policy.

We encourage you to review this Privacy Policy periodically. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

For significant changes that materially affect how we use your information, we will provide additional notice, such as through email notification or a prominent notice on our website.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us: