Privacy Policy
This Privacy Policy describes how FLEX PAY collects, uses, stores, processes, and protects personal information of users who access or use its platform and services.
Zarkar Fintech Private Limited, a company incorporated under the Companies Act, 2013 and having its registered office at BALAJI PARK, BANSIPAN STREET Kalavad Marg, Lodhika GIDC, District: Rajkot, Gujarat - 360021 Gujarat, India (hereinafter referred to as the “Company”, “we”, “us”, or “our”), owns and operates the website www.flexpays.in and related mobile applications (collectively, the “Platform”). The Company provides banking support services, financial technology solutions, utility payments, and digital services to individuals and businesses across India (the “Services”).
For the purpose of this Privacy Policy, “User”, “you”, or “your” refers to any person or entity accessing or using the Platform.
By accessing or using the Platform, you expressly consent to the collection, use, storage, and disclosure of information in accordance with this Privacy Policy.
1. Third-Party Links
The Platform may contain links to third-party websites or applications. This Privacy Policy applies solely to information collected through our Platform. We do not control and are not responsible for the privacy practices or content of external websites. Users are advised to review the privacy policies of such third parties before providing personal information.
2. Eligibility
By accepting this Privacy Policy, you represent and warrant that:
You are at least eighteen (18) years of age and legally competent to contract under applicable Indian law; or
You are duly authorized to act on behalf of a legal entity
Minors are not permitted to access the Platform or submit personal information.
3. Information We Collect
To provide the Services, we may collect the following categories of information (“User Information”):
3.1 Information provided by the User
This includes, without limitation:
Name, business name, and entity details
Contact information (address, email, phone number)
Identity and compliance documents (PAN, Aadhaar, GST, licenses)
Banking and financial information
Location data
Information required for regulatory compliance or service delivery
3.2 Information collected automatically
We may automatically collect technical and usage data such as:
IP address and device identifiers
Browser and operating system details
Login records and usage activity
Pages accessed and interaction metrics
Communication logs with customer support
3.3 Information from third parties
We may receive information from authorized partners, including payment processors, analytics providers, and service partners, in compliance with applicable laws.
4. Use of Information
User Information may be used for the following purposes:
Providing and managing Services
Processing transactions
Fraud prevention and risk monitoring
Customer support and dispute resolution
Legal and regulatory compliance
Internal audits and record maintenance
Research, analytics, and service enhancement
Marketing communications and service notifications
Personalization of user experience
You consent to receiving service-related and promotional communications through electronic channels, subject to applicable law.
5. Analytics and Improvement
We may use aggregated or anonymized data for analytics, benchmarking, and development of new features. Users may object to certain processing activities by contacting support@flexpays.in
6. Storage and Processing
User Information is stored and processed in accordance with applicable Indian laws. By using the Platform, you consent to such storage and processing.
7. Sharing of Information
We may disclose User Information to:
Government authorities or regulators when legally required
Affiliates and group companies
Payment partners and service providers
Professional advisors and auditors
Potential investors or acquirers in restructuring scenarios
Analytics providers (non-sensitive data)
8. Service Providers
Third-party vendors engaged by us may access User Information solely for the purpose of performing services on our behalf and are contractually obligated to maintain confidentiality and data protection standards.
9. Information Security
We implement commercially reasonable safeguards to protect User Information from unauthorized access, misuse, or loss. However, no electronic system is completely secure, and users acknowledge inherent risks associated with data transmission.
10. Retention
User Information is retained for as long as necessary to provide Services and comply with legal, regulatory, audit, and dispute resolution requirements.
11. Legal Disclosure
We may disclose information where required:
To comply with law or court orders
To investigate fraud or cyber incidents
To enforce our rights or protect users
Under lawful government directives
12. Cookies and Tracking Technologies
The Platform may use cookies and similar technologies to enhance functionality and performance. Disabling cookies may limit certain features.
13. Contact Information
For privacy-related inquiries:
Mr. Janak herbha
Zarkar Fintech Private Limited
BALAJI PARK, BANSIPAN STREET Kalavad Marg, Lodhika GIDC, District: Rajkot, Gujarat - 360021 Gujarat, India
Phone: +91
Email: support@flexpays.in
14. Grievance Officer
In compliance with the Information Technology Act, 2000:
Mr. Janak herbha
Email: janakherbha@flexpays.in
Phone: +91 9586627211
15. Scope of Policy
This Privacy Policy applies exclusively to the Platform and Services provided by the Company and does not extend to third-party services.
16. Updates
We reserve the right to amend this Privacy Policy at any time. Updates become effective upon posting on the Platform.
17. User Acknowledgment
By using the Platform, you acknowledge that:
You understand the collection and processing of your information
You are aware of its intended use
Refusal to provide information may limit Services
You have read and accepted this Privacy Policy
18. Disclaimer
The Company shall not be liable for unauthorized disclosure caused by events beyond its reasonable control, including cyberattacks or system failure