FlexMo Privacy Policy
Last Updated: 10/07/2025
1. Introduction
FlexMo (“we,” “our,” or “us”) is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. By accessing or using FlexMo, you agree to the practices described in this Policy.
2. Information We Collect
We collect personal and non-personal information necessary to provide and improve our services.
2.1 Personal Information:
- Full Name
- National Identity Card (NIC) Number
- Address and Contact Information
- Email and Phone Number
- Proof of Income (e.g., salary slips, bank statements)
- Loan details and payment history
- Device information (IMEI, model, serial number)
2.2 Automatically Collected Information:
- IP address
- Browser type and version
- Access times and referring URLs
- Device and usage data (for MDM enforcement)
- Cookies and tracking technology (see Section 7)
3. How We Use Your Information
Your information is used strictly for:
- Verifying your identity and eligibility
- Processing loan applications and repayments
- Communicating with you about your account
- Monitoring and enforcing loan terms (via MDM)
- Detecting fraud or unauthorized activity
- Fulfilling legal and regulatory obligations
- Improving our website, services, and security
We do not sell, rent, or trade your personal information to third parties.
4. Sharing Your Information
We may share your information with:
- Retail Partners who help process your application
- Device Management Providers (e.g., MDM services) for enforcement
- Debt Collection Agencies in the event of default
- Government or Legal Authorities when required by law
- Auditors, legal consultants, and regulators when necessary
All third parties are bound by confidentiality and data protection agreements.
5. Data Security
We use industry-standard administrative, technical, and physical safeguards to protect your personal data from loss, theft, misuse, unauthorized access, or disclosure.
However, no data transmission over the internet is 100% secure. We encourage you to safeguard your own information when interacting with our services.
6. Data Retention
We retain your personal information for as long as necessary to:
- Fulfill the purpose for which it was collected
- Comply with legal and regulatory requirements
- Enforce our agreements
Data related to loan contracts and NICs may be stored securely even after account closure for legal and audit purposes.
7. Cookies & Tracking
Our website uses cookies and similar tracking technologies to:
- Improve user experience
- Analyze web traffic
- Customize content and advertisements
You can manage or disable cookies in your browser settings, but some features of the site may not function properly.
8. User Rights
You have the right to:
- Request access to your personal data
- Request corrections to inaccurate data
- Request deletion of data (subject to legal obligations)
- Withdraw consent for optional processing (e.g., marketing)
To exercise these rights, please contact us at [Insert official email/contact form link].
9. Children’s Privacy
FlexMo services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we become aware of such collection, we will delete the data immediately.
10. International Transfers
FlexMo operates within Sri Lanka. However, some third-party service providers (e.g., cloud services) may be based in other countries. We ensure all transfers comply with relevant privacy protections.
11. Updates to This Policy
We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated revision date. Continued use of our services implies acceptance of the updated Policy.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or your data, please contact:
Email: support@flexmo.lk
By using our website and services, you agree to the terms of this Privacy Policy.