Privacy Policy

Fluxus Forge ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our lending infrastructure platform, our mobile applications, and related services.

This Privacy Policy applies to the Fluxus Forge website, our lending and collections platform, and the following mobile applications operated by Fluxus Forge:

• Quikkred Collect (Android) — An Android app for collection agents to track allocations, log customer visits, capture receipts, and update recovery status in real time — powered by Fluxus Forge's Collection Suite.
• Quikkred Connect (Android) — An Android app for end-customers to apply for retail loans, complete KYC, track applications, and manage EMIs — powered by Fluxus Forge's Lending Platform.

By installing or using either app, you agree to the data practices described in this policy. Where an app collects data unique to its purpose (e.g. location for field collections, KYC documents for loan applications), that processing is described in the relevant sections below and within the app at the point of collection.

3.1 Information You Provide

• Contact information (name, email, phone number, company name)
• Account credentials
• Business information related to your lending operations
• Identity & KYC documents submitted via Quikkred Connect (PAN, Aadhaar, address proof, selfie/liveness, bank details) when applying for a loan
• Loan and EMI details, payment receipts, and visit notes captured via Quikkred Collect
• Communications with our team

3.2 Automatically Collected Information

• Device and browser information (and, for our Android apps, device model, OS version, and app version)
• IP address and approximate location data
• Precise location (only in Quikkred Collect, with permission, to geo-tag agent visits)
• Usage patterns and platform analytics
• Cookies and similar tracking technologies (web only)

We use the collected information to:

• Provide and maintain our lending platform services
• Process transactions and send related notifications
• Respond to inquiries and provide customer support
• Send marketing communications (with your consent)
• Improve our platform and develop new features
• Ensure security and prevent fraud
• Comply with legal obligations

We may share your information with:

• Service Providers: Third-party vendors who assist in operating our platform
• Integration Partners: KYC providers, credit bureaus, and payment gateways as required for platform functionality
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We implement industry-standard security measures including:

• End-to-end encryption for data in transit and at rest
• Regular security audits and penetration testing
• Access controls and authentication mechanisms
• Compliance with RBI data localization requirements
• ISO 27001 certified infrastructure

We retain your data for as long as necessary to provide our services and comply with legal obligations. Financial records are retained as per RBI guidelines. You may request deletion of your data subject to our legal and regulatory requirements.

You have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete data
• Request deletion of your data (subject to legal requirements)
• Object to processing of your data
• Withdraw consent for marketing communications
• Data portability where applicable

We use cookies and similar technologies to enhance your experience. You can manage cookie preferences through your browser settings. Essential cookies are required for platform functionality.

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our platform. Continued use of our services after changes constitutes acceptance of the updated policy.

For privacy-related inquiries or to exercise your rights, contact us at:

Email: [email protected]
Address: Delhi NCR, India