Welcome to RupeeFlow (hereinafter referred to as "the Application"). This Application is developed and operated by ROBOSONIC TECH SERVICES LLP (hereinafter referred to as "we" or "the Credit Agency"), dedicated to providing users with credit limit assessment and management services. We deeply understand the core value of personal data and always regard "privacy protection" as the cornerstone of the company's sustainable development. To build a secure and trustworthy credit management ecosystem, we have introduced industry-leading encryption technology and a strict data governance system to fully protect your digital assets.
This Privacy Policy aims to explain to you how we collect, use, store, share, and protect your personal information. When you register, log in, or use any function of this Application, it indicates that you have read and agreed to all the terms of this Privacy Policy. We are committed to strictly complying with applicable data protection laws and regulations, and to protecting every piece of your data with a prudent and responsible attitude.
1. Specific Information Collected
To provide you with complete credit limit assessment and management services, we will collect the following categories of information:
Personally Identifiable Information: Including but not limited to your name, date of birth, ID number, mobile phone number, email address, linked bank card information, gender, residential address, and current occupation. This data can directly or indirectly identify you and forms the basis for account security verification and credit system construction. All collected data is encrypted during transmission and stored in a designated secure center (https://ictiveli.flowcreditoffcial.com/). We will never disclose, sell, or leak your data to any third party other than credit agencies without your explicit permission.
Contact list information: When you initiate a credit application through this application, you need to manually select an emergency contact (including name, phone number, and relationship) from your device's address book. We do not actively obtain address book permissions; you are only allowed to select manually. This information is used to assist in identity verification and risk prevention. All collected data is encrypted during transmission and stored in a designated secure center (https://ictiveli.flowcreditoffcial.com/). We will never disclose, sell, or leak your data to any third party other than credit agencies without your explicit permission.
Financial information: Including bank card account details, used for credit withdrawals and fund transfers.
Camera permission: When obtaining credit limits, you need to upload identity information and complete biometric authentication to prevent fraud. This process requires you to grant camera permission.
Image information: When you use the in-app "Upload Image" function (such as customer service communication, uploading repayment vouchers, etc.), we collect information about the images you upload (including content, size, type, etc.). You must actively select photos from your album; the application cannot access your album on its own. All image information is encrypted before being uploaded to the security center (https://ictiveli.flowcreditoffcial.com/).
GAID (Google Ads ID): We may obtain your Google Ads ID, primarily for analyzing ad performance and providing you with more personalized recommendations tailored to your interests.
Device Information: Includes device model, operating system version, IP address, network type, carrier information, and device manufacturer, mainly for technical compatibility, troubleshooting, and security protection.
2. Purpose of Information Collection
Our core purposes for collecting information include: providing you with secure and convenient credit limit management and credit withdrawal services; conducting real-time credit assessments through big data risk control models to ensure transaction security; optimizing product functions and improving your user experience; fulfilling data reporting and anti-money laundering obligations as required by laws and regulations; and, with your separate consent, using it for personalized recommendations and marketing activities.
3. How the Information is Used
We will use the collected information in the following scenarios:
Enhancing Account Security: By building a robust identity authentication and anti-fraud mechanism, we can effectively identify abnormal behavior, comprehensively prevent various online risks, and ensure the safe transfer of your account assets.
Optimizing Customer Service Experience: Through in-depth analysis of the collected information, we assist our customer service team in accurately identifying the problems you encounter during use and providing more efficient and targeted solutions.
Driving Product Iteration: Collecting usage data related to applications and services helps the R&D team gain a deeper understanding of user behavior and core needs, continuously optimizing product functions, and improving overall service performance and stability.
Compliance and Risk Control Operations: We may use your information for necessary risk assessment processes to ensure that the credit services we provide strictly comply with relevant laws, regulations, and industry regulatory requirements, achieving compliant and stable operations.
Providing Personalized Services: Based on your personal profile and usage preferences, we may use the collected information to filter content that better matches your interests, creating a more personalized service journey for you.
System Maintenance and Customer Support: Used for detecting, preventing, and repairing system failures, handling user feedback and inquiries, and providing you with continuous, stable, and professional customer support.
Supporting Credit Limit Usage and Settlement Management: When you actually use your credit limit or have related settlement needs, we ensure the standardized management of credit limit usage records, settlement processes, and related rights and responsibilities. When necessary, we may legally entrust compliant third parties to assist in handling related matters.
4. How Information is Stored
Your personal information will be stored on servers in a compliant data center. We adhere to the principle of data minimization and retain your information only for the period necessary to achieve the purpose for which it was collected. During the account's existence, relevant data will be continuously retained. After account cancellation, we will complete data erasure within the legally required period (usually no more than 30 days), after which all information will be permanently deleted and unrecoverable. Completed transaction records will be retained for 5 years in accordance with financial regulatory requirements. Anonymized statistical data may be retained for product optimization but will not be linked to your personal identity.
5. How to Protect Data Security
We employ a multi-layered defense system to protect your data security. At the transmission level, all data is encrypted using the TLS 1.3 protocol to prevent man-in-the-middle attacks and data interception. At the storage level, the server uses the AES-256 encryption standard, ensuring that data cannot be directly read even in the event of physical access. At the access control level, we implement role-based access control (RBAC), allowing only authorized internal personnel to access user data within the minimum necessary scope, and all operations are audited. At the risk control level, an AI-driven anti-fraud engine runs 24/7, intercepting abnormal behavior in real time. Furthermore, we regularly commission third-party security agencies to conduct penetration testing and compliance audits to continuously strengthen our security defenses.
6. User Rights and Obligations
Your Rights:
Right of Access: You have the right to access a copy of your personal information held by us at any time.
Right of Correction: If the information is incorrect, you have the right to request that we correct it promptly.
Right of Deletion: You have the right to request the deletion of your account and related data (unless otherwise stipulated by law).
Right of Withdrawal of Consent: You may withdraw your previously granted consent to data processing at any time. Withdrawal will not affect the legality of the previous processing.
Right of Manual Review: If your credit limit assessment is made by an automated model, you have the right to request a manual review.
Your Obligations:
Please provide true and accurate personal information. False information may lead to a failed credit assessment.
Please keep your account password safe. We are not responsible for information leaks caused by personal reasons.
Please do not engage in any illegal or irregular activities through this application.
7. Account and Data Deletion
You can apply to cancel your account at any time through the application settings or by contacting customer service.
Method 1: Self-service operation within the application. You can directly submit a "Delete Account Information" application within the application, and we will delete all related data according to your instructions.
Method 2: Contact Customer Service You can also contact our in-app customer service or email our official email address. Our customer service team will assist you with the data deletion process within 7 business days.
Important Note: Once you decide to cancel your account, your account and all registration data (including personal information, settings preferences, history, etc.) will be permanently deleted and cannot be recovered. If you wish to use our services again in the future, you will need to re-register an account, and the original data will be irretrievable. Therefore, please back up and save all important information before canceling your account.
8. Privacy Policy Changes
To continuously improve service quality and adapt to business development needs, we reserve the right to update this Privacy Policy from time to time. When the policy content changes, we will notify you through in-app pop-up prompts, prominent display on the application page, application push notifications, email or SMS notifications, official website announcements, etc. We promise that any policy update will not weaken your rights under this policy without your explicit consent.
9. Cookies
This application uses cookies and similar technologies (such as local storage, SDKs) to improve your user experience. Cookies are small data files stored on your device. Their main functions include: helping us analyze your usage habits and identify users; providing you with more personalized services and content based on the collected data; and recording your in-app actions (such as page visits, function usage, and frequency) to provide data support for service optimization.
You can manage the use and deletion of cookies at any time through your browser or mobile system settings. Most browsers support viewing stored cookies, blocking cookies, or deleting existing cookies. However, please note that disabling cookies may cause some application functions to malfunction, affecting your user experience. Therefore, we recommend that you keep cookies enabled when using this application to obtain the best service experience.
10. Developer Company Introduction
ROBOSONIC TECH SERVICES LLP is a computer system design technology company specializing in digital credit services. Its core product, RupeeFlow, provides users with functions such as credit limit calculation, credit withdrawal application, and account management. We are committed to creating a safe, transparent, and efficient credit service experience for global users, with compliance as our bottom line and technology as our driving force.
11. Protection of Minors
This application does not provide services to minors under the age of 18. We will not proactively collect, retain, or use the personal information of minors. If you discover that your child has provided us with personal information without your consent, please contact us immediately through the contact methods listed in this policy. Upon receiving your notification, we will immediately activate our emergency response mechanism, take necessary measures to delete the relevant information, and ensure that we no longer collect the minor's data. We will respond to your request as soon as possible and do our utmost to protect the privacy and rights of minors.
12. Information Sharing Guidelines
Regarding data sharing: We only share data with the aforementioned partners to the extent necessary to optimize user experience, improve service quality, generate personalized solutions, or complete credit application processes. Unless we obtain your explicit authorization, we will not provide your personal data to any other unrelated third parties. We are committed to strictly complying with relevant laws and regulations, adopting effective management measures and technical means, and making every effort to protect your personal information from being leaked or misused. All third-party collaborations have signed Data Processing Agreements (DPAs).
13. Contact Us
If you have any questions, suggestions, or need to exercise your data subject rights regarding this Privacy Policy, please contact us through the following methods:
Company Name: ROBOSONIC TECH SERVICES LLP
Working Hours: Monday to Sunday 08:00 - 18:00
Contact Email: work@robosonictech.com
Company Address: Flat Noa/703 Housing Complex At Imperal Square Next To Lodha Splendora Nagar Bunder Gbr Oad Thane, Maharashtra, 400615 India
We will respond to your request as soon as possible and provide you with full support.