Privacy Policy

To avail certain services on our OneCard Mobile Application / Website, you are required to provide some personally identifiable information for the registration process, which includes but is not limited to the following:
• Your name
• Email address
• Mobile number
• Permanent Account Number (PAN)
• Date of Birth
• Gender
• Address
FPL may require you to provide additional details, as and when required, in order to comply with any applicable regulatory requirement or for additional services/ products via the App / Website, as and when offered, and may also utilise data lawfully obtained from third party service providers authorized by the User, including but not limited to data pertaining to the User’s credit score, to provide the App services / Website services to the User, subject to the terms of this Privacy Policy.

While providing your details/documents via the App / Website, including but not limited to personal information as mentioned hereinabove, you expressly consent to FPL (including its marketing channels and business partners) to contact you through SMS, call and/or e-mail and to follow up calls in relation to the services provided through the App/Website, for imparting product knowledge, offering promotional offers running on the App/Website & various other offers offered by our business partners. The App/Website requires the User to provide consent for keying in or uploading your personal information, as may be necessary to process the User’s application. Any personal information which requires to be keyed in or uploaded is required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted/ availed by you. You hereby give your consent to OneCard to obtain your KYC details from CERSAI CKYC portal.

We obtain your Credit Information Aggregates from Experian Credit Information Company of India Private Limited (“Experian”) on your behalf. By consenting to use and avail your credit information report through us, you agree that FPL shall be entitled to rely on your authorization and consent granted by you to us. We may analyze and profile your credit information in order to assist you in being better informed about, understand and manage your credit score/rating, identify and inform you of credit products that are likely to be suited to your circumstances, to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score and credit history etc.

We strive to keep automatically tracked information to a minimum by obtaining little or no permissions from the App/ Website. However, We may collect information relating to your use of our App such as your IP address, browser type, mobile operating system, manufacturer and model of your mobile device, access time and time spent. We may also collect information about the screens you view within our App and other actions you take while using our App. We may use third party services for such automatic collection, however no personally identifiable information will be shared with such third parties, unless required under applicable laws.

We use your Credit Information Aggregates obtained from Experian to present to you an analysis of your credit profile including detailed information, where available. We shall use the Credit Information Aggregates for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the App/ Website. We shall not transmit, sell or rent the Credit Information Aggregates to any other person and the same cannot be copied or reproduced other than as agreed herein. Credit Information Aggregates provided to FPL is solely the property of you and Experian. We may use the information collected for offering some of our products and services. However, We do not share any information with third parties for soliciting products and services offered by them. Information automatically tracked while using the App or Website] allows us to collect statistics about our App usage and effectiveness, personalise your experience whilst you are on our App, as well as customize our interactions with you and also assisting in expanding the scope of our services.

We do not share any of your personal information with any third parties except when it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences.

We take appropriate security measures to protect against unauthorised access. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to systems where We store personal data. All information gathered on our App is securely stored within a controlled database. Access to the servers is password-protected and is strictly limited. The Credit Information Aggregates shared by you, or received on your behalf shall be destroyed, purged, erased or returned to Experian promptly either when you expressly seek to do so and/or seek to revoke the consent or if it is mandated or intimated by regulators.

If you are no longer interested in sharing your personal information, please e-mail your request at: score.privacy@fplabs.tech. Please note that it may take about up to 7 business days to process your request or disabling our services on the App or Website.

We will retain your information for as long as it is necessary for providing you the services available on the App or Website or your request for termination of your account with us, whichever is later. Post termination of your account, we may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling and research purposes. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defense of a legal claim or for providing evidence in legal proceeding(s).

This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or App/ Website functionality.

The User is solely responsible for maintaining the security of his/her account and must not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at score.privacy@fplabs.tech. We are not responsible if someone else accesses your account through the login credential they have obtained from you or through a violation by you of this Privacy Policy.

If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy Policy or any other privacy or security concern, send an e-mail to Anurag Sinha at grievance@fplabs.tech