Reference

Our Terms, Your Rights, One Clear Policy

At flnalank, our legal framework sets out exactly what you can expect from us and what we ask of you in return — covering account conditions, data handling…

Account TermsPrivacy PolicyJurisdiction ScopeDispute ProcessData Rights

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How Our Legal Terms Apply to Your Account

flnalank Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms govern every interaction between you and flnalank — from the moment you open an account through every transaction you make using UPI, Paytm or PhonePe. Our policies are written to comply with applicable Indian law, and we update them when regulations change. You will

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always find the current version on this page, with a revision date so you know what has changed. Where a provision conflicts with local law in your region of India, the local law takes precedence. If you have questions about how a specific clause applies to
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your account, our compliance team is reachable through the support channels listed below. Continued use of your account after a policy update constitutes acceptance of the revised terms. We recommend reviewing this page periodically.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

LEGAL CONTACT PATHS

Reach Us on Policy or Account Queries

If any clause in our legal terms is unclear, or if you need to raise a formal concern about your account or data, our support team handles legal queries through three dedicated…

Email Support Send your legal or policy query to our compliance address and receive a written response within 2 business days; keep this for your records as confirmation of your request.

Live Chat Our chat agents are available daily and can escalate account-level legal queries to the compliance team in real time; responses on escalated matters follow within 48 hours.

Help Centre Our Help Centre hosts the current version of every policy document, including past revision summaries, so you can track what changed and when without waiting for a reply.

HOW WE HANDLE THIS

Data, Security and Account Practices at flnalank

Our legal commitments are backed by concrete practices around data storage, cookie management, account security and retention schedules.

Data Storage

Your personal data is stored on encrypted servers. We do not share identifiable information with third parties except where required…

Cookie Policy

We use session cookies for login security and analytics cookies to understand page performance.

Account Security

Two-step verification is available on every account. We log all login attempts and flag unusual access patterns; you receive an…

Data Retention

Account data is retained for as long as your account remains active and for 5 years after closure, in line…

Who to Contact

For data access, correction or deletion requests, write to our Data Officer via the email address in our Help Centre.

Requesting Changes

You may request a correction to your stored personal data at any time.

Common Questions About Our Policy and Your Rights

The questions below cover what our users most often ask about their legal rights, data access and how our terms work in practice. If your question is not covered here, our compliance team can address it directly through Live Chat or email.

Your account agreement is governed by applicable Indian law. Where local regulations in your specific region of India impose additional requirements, those take precedence over our general terms for accounts in that region.

Email our Data Officer with your registered account ID and a clear description of what data you want. We acknowledge all data-access requests within 48 hours and deliver the information within 15 business days.

Yes. Submit a deletion request via email or Live Chat. We will remove your identifiable data subject to any retention obligations under Indian financial law, and confirm completion in writing once done.

Every version of our legal terms carries a revision date at the top of this page. When we make material changes, we notify you by email to your registered address at least 7 days before the update takes effect.

We share only the transaction data required to process your payment — your name and account reference. We do not share browsing behaviour, session data or account history with UPI, Paytm or PhonePe.

Your personal data is retained for 5 years after account closure to meet Indian financial-record requirements. After that retention period, identifiable data is permanently deleted from our systems.

Email our compliance team with your account ID and a clear description of the dispute. We log every formal complaint, issue a reference number within 24 hours, and aim to resolve it within 14 business days.

Our Terms, Your Rights, One Clear Policy

Reach Us on Policy or Account Queries

Data, Security and Account Practices at flnalank

Data Storage

Cookie Policy

Account Security

Data Retention

Who to Contact

Requesting Changes

Common Questions About Our Policy and Your Rights

01 What law governs my account agreement with flnalank?

02 How do I request a copy of the personal data flnalank holds about me?

03 Can I ask flnalank to delete my personal data?

04 How will I know when the legal terms have been updated?

05 Does flnalank share my data with payment providers like UPI, Paytm or PhonePe?

06 What happens to my account data if I close my account?

07 How do I raise a formal dispute about a decision made on my account?

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