Welcome to Flip Bharat Credit ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (Flip Bharat Credit, package name com.openscore.flipcredit) and related website and services (the "Services").
Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access or use the application or services.
1. Information We Collect
To facilitate credit card applications, mandatory Know Your Customer (KYC) verification, and card limit management, we collect the following categories of information:
A. Personal Identifiable Information (PII)
- Basic Details: Full Legal Name, Date of Birth, Gender.
- Contact Information: Active Mobile Number, Email Address.
- Residential Address: Street, City, State, Postal/PIN Code.
B. Financial & Identity (KYC) Information
In accordance with Reserve Bank of India (RBI) regulations and Prevention of Money Laundering Act (PMLA) guidelines:
- Identity Documents: Permanent Account Number (PAN), Aadhaar details (only in compliant masked/verified form), Passport, Voter ID, or Driving License.
- Financial & Employment Details: Employment type (Salaried / Self-Employed), Company Name, Monthly Income, Work Experience, Salary Slips or Income Proof documents.
- Bank Account Details: Bank Name, Account Holder Name, Account Number, and IFSC Code (for card disbursement, limit assignment, and verification).
C. Transaction & Application Data
- Card application history, status, assigned limits, virtual and physical card requests.
- Fee payments, transaction references, and Unique Transaction Reference (UTR) numbers submitted for card order confirmations.
D. Device and Technical Information
- Device model, Operating System version, network carrier, IP address, and app usage logs to ensure session security and prevent account fraud.
2. Mobile App Permissions
To deliver a seamless and secure experience, our Android application (com.openscore.flipcredit) requests the following minimum required permissions:
📷 Camera (android.permission.CAMERA):
Used strictly to capture live photographs of your KYC documents (e.g., PAN card, Aadhaar card) and payment deposit receipts / UTR screenshots during the application or physical card booking process. We do not access your camera in the background or for any unrelated purpose.
🌐 Internet & Network State (android.permission.INTERNET, ACCESS_NETWORK_STATE):
Used to securely communicate with our encrypted API servers, verify connectivity status, and transmit application data safely.
🔒 Privacy Commitment: We DO NOT access, read, or upload your private SMS messages for credit scraping, nor do we access your personal contact lists, call logs, audio recordings, or precise background GPS location.
3. How We Use Your Information
We use the information collected for legitimate financial and operational purposes:
- Identity & KYC Verification: Verifying your identity against official records to fulfill statutory KYC requirements.
- Credit Assessment: Evaluating eligibility for credit products, calculating assigned card limits, and processing applications.
- Card Issuance & Dispatch: Issuing virtual credit card accounts and coordinating physical card printing and delivery with verified courier partners.
- Payment Processing: Reconciling joining fees, annual fees, and card maintenance charges.
- Fraud Prevention & Security: Detecting, preventing, and addressing fraudulent activities or unauthorized account access.
- Customer Support & Notifications: Communicating application updates, delivery tracking events, and resolving customer support tickets.
4. Sharing and Disclosure of Information
We respect your privacy and never sell or rent your personal information to third parties for marketing purposes. Your data may be shared only under the following strictly regulated circumstances:
- Regulated Financial Partners: Authorized Banks and Non-Banking Financial Companies (NBFCs) partnered with us to underwrite, issue, and manage credit cards and loans.
- Logistics & Courier Providers: Sharing your name and delivery address strictly for delivering the physical credit card to your doorstep.
- Legal & Regulatory Authorities: When required by applicable Indian law, court order, or governmental and law enforcement agencies.
5. Data Security & Storage
We implement industry-grade technical and organizational security measures to protect your personal and financial data:
- All data transmissions are encrypted using TLS/SSL (HTTPS) with 256-bit encryption.
- Sensitive information such as security PINs are hashed using irreversible cryptographic algorithms (bcrypt).
- Data is stored in secure database environments with strict role-based administrative access controls and comprehensive audit logging.
6. Data Retention and Deletion
We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy and to comply with statutory legal, accounting, and RBI regulatory obligations.
Right to Erasure / Deletion: You have the right to request deletion of your account and associated personal data. Upon receiving your verified deletion request via our support channels, we will delete or anonymize your data, unless retention is legally mandated under banking and AML regulations.
7. Children's Privacy
Our services and credit card products are strictly intended for individuals who are at least 18 years of age. We do not knowingly collect or solicit personal information from minors.
8. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically.
9. Grievance Officer & Contact Information
In accordance with the Information Technology Act, 2000 and rules made thereunder, as well as RBI guidelines, if you have any questions, feedback, or grievances regarding this Privacy Policy or data handling practices, please contact our Grievance Officer: