Privacy Policy

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Singapore

Maybright Asia Pacific PTE. LTD. (UEN: 202437847R), operating under the brand name FLIN, values your privacy and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, share, and safeguard your personal data when you use our website, www.flin.co.id (“Website”), and other services (“Services”). Please read this Privacy Policy in conjunction with our Terms and Conditions.

Introduction

This Privacy Policy explains how FLIN collects, uses, and protects your personal data. By accessing our Website or using our Services, you agree to the practices described in this policy.

Information and Data We Collect

FLIN collects personal and financial data to provide and enhance our Services. The types of data we collect include:

    1. Personal Identification Information: Name, date of birth, nationality, identification number, tax number.
    2. Contact Information: Email address, phone number.
    3. Financial Information: Employment details, income information, bank account details, transaction history.
    4. Outstanding Loan Balances: Credit history, types of loans, installment amount, purpose of loans, delinquency status   
    5. Technical Data: IP address, browser type, and version, operating system, device information.
    6. Usage Data: Information on how you interact with our Website and Services.
Methods of Data Collection

FLIN collects data through various methods, including:

  1. Direct and Indirect Interactions: You provide personal data when you fill out forms, register for our Services, or communicate with us.
  2. Automated Technologies: We collect data through cookies, server logs, and similar technologies as you interact with our Website.
  3. In-person meetings and Video Consultations: We collect data through video interviews or in-person meetings
  4. Third-Party Sources: We may receive personal data from public databases, credit bureaus, and other third-party sources.
Use of Personal Data

FLIN uses your personal data for the following purposes:

  1. Service Delivery: To process your applications, provide our Services, and manage our relationship with you.
  2. Compliance: To comply with legal obligations, including anti-money laundering regulations.
  3. Communication: To send you updates, notifications, and marketing communications.
  4. Improvement: To improve our Services through data analysis and research.
  5. Security: To protect against fraud and ensure the security of our systems.
Data Security

FLIN is committed to protecting your personal data. We implement various security measures, including:

  1. Encryption: Protecting data in transit and at rest.
  2. Access Controls: Limiting access to personal data to authorized personnel only.
  3. Regular Audits: Conduct regular security audits and assessments.
Data Retention
We retain your personal data only as long as necessary to fulfill the purposes for which it was collected or as required by law. Once the retention period expires, we will securely delete or anonymize your data.
Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Website. You can manage your cookie preferences through your browser settings.

Sharing of Personal Data

FLIN does not sell or rent your personal data. We may share your data in strict, confidential agreement with the following:

  1. Regulatory Authorities: To comply with legal requirements.
  2. Bureaus and Service Providers: To provide and enhance our Services.
  3. Business Partners: For joint marketing and promotional activities.
  4. Professional Advisors: Including lawyers, auditors, and insurers.
  5. Platform and Lenders: To arrange debt and loan as agreed on In-Principle Approval (IPA) or Terms and Conditions.
Your Rights

Depending on your location, you may have the following rights regarding your personal data:

  1. Access: Request access to your personal data.
  2. Correction: Request correction of inaccurate or incomplete data.
  3. Deletion: Request deletion of your personal data.
  4. Restriction: Request restriction of data processing.
  5. Portability: Request transfer of your data to another entity.
  6. Objection: Object to the processing of your data for specific purposes.
  7. Withdrawal of Consent: Withdraw your consent for data processing.

To exercise these rights, please contact us at care@flin.co.id or visit our office

Exercising Your Rights

We will verify your identity before processing your request to ensure the security of your data. We aim to respond to all requests within one month, but it may take longer for complex or multiple requests.

Use by Minors

Our Services are not directed at individuals under 18. We do not knowingly collect personal data from minors. If you are a minor, please do not use our Services or provide any personal data.

Updates to This Privacy Policy

We may update this Privacy Policy periodically. We encourage you to review this policy regularly. We will notify you of significant changes via our Website or email before they take effect.

Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us:

Email: care@flin.co.id

Phone: +62 818 077 42222

Office Address:

Maybright Asia Pacific PTE. LTD.
Address: 160 Robinson Road, #14-04, Singapore Business Federation Center, Singapore 068914

Jurisdiction-Specific Provisions

Indonesia

FLIN processes personal data in accordance with Law No 11 of 2008 on Electronic Information and Transactions, as amended by Law No 19 of 2016.