Privacy Policy
Updated Date: Oct 17, 2025, 12:00 AM
RheoMinds Global Private Limited (“FLIP,” “we,” “our,” or “us”) is committed to protecting your privacy and maintaining the highest standards of data security. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our mobile app, website, and related services (collectively, the “Platform”).
By accessing or using FLIP, you consent to the practices described in this Policy and agree to our Terms and Conditions.
1. Scope and Application
This Privacy Policy applies to all users of the FLIP app, website, and related APIs or partner integrations. It governs how we collect, process, store, and share information across our ecosystem.
This Policy forms an integral part of the Terms and Conditions and applies to both current and former users.
2. Information We Collect
2.1 Personal Information
We may collect the following details when you use FLIP:
Identity Information: Full name, date of birth, and gender (if provided).
Contact Information: Email address, mobile number, and physical address.
Financial Information: Credit card issuer, masked card details, transaction history, card milestones, and reward redemptions.
Profile Information: Username, password, preferences, in-app activity, referrals, and feedback.
Behavioral Data: Interaction history, spending patterns, and reward engagement behavior to personalize insights.
2.2 Sensitive Personal Data
Payment Information: Bank account details, virtual payment identifiers (UPI IDs), and linked card credentials (tokenized where applicable).
Identification Data: Government-issued IDs (e.g., PAN, Aadhaar, or other KYC documents) as required by regulatory partners.
Transaction Data: Merchant details, timestamps, and transaction values used for generating insights or offers.
2.3 Technical Data
Device and Network Data: IP address, browser type, OS version, app version, and network information.
Usage Analytics: Log files, feature usage statistics, and diagnostic data for app performance.
2.4 Tracking and Cookies
We use tracking technologies to enhance user experience:
Cookies: Remember user preferences and login states.
Web Beacons and Pixels: Monitor engagement and measure campaign effectiveness.
SDKs: Integrated with analytics, fraud detection, and marketing partners (e.g., Firebase, AppsFlyer).
2.5 Location Data
FLIP may access geolocation (via GPS or IP address) to enable contextual offers or location-based recommendations.
You can disable location permissions through your device settings.
3. Method of Collection
Direct Collection: Data you provide during sign-up, referrals, or through in-app interactions.
Automated Collection: Data collected through analytics, cookies, and device sensors.
Third-Party Sources: Data received from financial institutions, offer partners, or affiliate platforms for transaction enrichment and reward validation.
4. How We Use Your Information
We use your data responsibly to deliver a personalized, AI-powered experience:
Purpose Description
Service Enablement Facilitate transactions, map offers, and process card-linked rewards.
AI Recommendations Analyze spend behavior to suggest the best card, UPI, or payment method.
Personalization Customize notifications, offers, and in-app experiences.
Product Improvement Enhance algorithms, fix bugs, and optimize user journeys.
Regulatory Compliance Meet legal and KYC requirements as mandated by Indian authorities.
Communication Send transactional alerts, reward updates, and promotional messages.
Security and Fraud Prevention Detect anomalies, prevent abuse, and ensure platform integrity.
You may opt out of promotional messages anytime via in-app settings or by contacting support@paybyflip.com
5. Sharing of Information
We do not sell your personal data. However, your data may be shared securely with:
Service Providers: Hosting, analytics, customer support, and AI infrastructure partners.
Financial Institutions: Banks, networks, or merchants to validate offers and process rewards.
Business Partners: Loyalty networks, affiliate partners, or advertisers (only anonymized data).
Legal Authorities: When required by law, regulation, or court order.
Corporate Affiliates: RheoMinds group companies or successors (in case of mergers/acquisitions).
All partners are contractually bound to comply with our privacy and data protection standards.
6. Cookies and Tracking Technologies
FLIP uses cookies and similar technologies to:
Remember your session and preferences.
Analyze app performance and crash diagnostics.
Deliver contextual advertising and personalized offers.
You can manage cookie preferences via your browser or app settings. Disabling cookies may affect functionality.
7. Security of Your Information
We implement industry-grade security protocols:
Data encryption (AES-256 and HTTPS).
Multi-factor authentication and access controls.
Regular audits and vulnerability assessments.
However, no digital platform is completely immune to risks. By using FLIP, you acknowledge these inherent limitations.
8. Your Rights and Choices
You have the right to:
Access your personal data.
Rectify inaccurate information.
Request Deletion of your account and data, unless required for compliance.
Restrict Processing for marketing or profiling.
Data Portability to another platform.
Withdraw Consent at any time, without affecting prior lawful processing.
To exercise these rights, email support@paybyflip.com. Verification may be required for security purposes.
9. Children’s Privacy
FLIP is intended for users aged 18 and above. We do not knowingly collect or process data from minors.
If such data is identified, it will be deleted immediately.
10. Data Retention
We retain data only as long as necessary for operational, legal, or analytical purposes:
Transaction data: up to 7 years (for compliance and auditing).
AI model training data: anonymized and non-identifiable.
Account data: deleted within 30 days of account closure (unless required by law).
11. International Data Transfers
If your data is processed outside India, we ensure compliance through:
Standard Contractual Clauses (SCCs), or
Equivalent safeguards under data protection laws.
Your data may be stored on servers located in India or other jurisdictions with adequate security measures.
12. Third-Party Links and Integrations
FLIP may include links or integrations with:
Third-party merchants, banks, or payment gateways.
Loyalty platforms and reward aggregators.
We are not responsible for their privacy policies or practices. Review those policies before engaging.
13. Updates to This Privacy Policy
We may periodically update this Privacy Policy.
Significant changes will be notified via email or in-app alert. Continued use of the platform implies acceptance of the revised policy.
14. Contact Information
RheoMinds Global Private Limited
4th Floor, Workpod, Sector 44–45, Gurgaon, Haryana – 122002, India
Email: support@paybyflip.com
Website: www.paybyflip.com