Privacy Policy

1. INTRODUCTION

1.1 This Privacy Policy ("Policy") outlines how Fincobox ("Company," "We," "Us," "Our") collects, processes, uses, and protects personal and business data provided by merchants, clients, and users ("You," "Your," "User," "Merchant").

1.2 By accessing and using Our platform and services, You agree to the terms of this Policy. If You do not agree, please refrain from using Our services.

2. DATA COLLECTION

2.1 Fincobox collects data required for risk assessment, loan approval, and service enhancement, including but not limited to:

  • Business financial details such as revenue, invoices, and order history.
  • Transaction history and payment details.
  • Contact details, including name, email, and phone number.
  • Aggregator platform performance metrics such as customer reviews and sales data.

3. DATA USAGE

3.1 The collected data is used for:

  • Evaluating credit eligibility and risk assessment.
  • Facilitating invoice-based financing and loan disbursement.
  • Ensuring compliance with regulatory and legal obligations.
  • Improving user experience and platform functionality.
  • Communicating with Merchants regarding loan applications, repayments, and other relevant updates.

4. DATA SHARING

4.1 Fincobox may share Your data with:

  • Financial institutions and third-party service providers for credit assessment.
  • Regulatory authorities, if required by law.
  • Aggregator platforms, where necessary, to process loan repayments.
  • Business partners or affiliates for service improvement, subject to confidentiality obligations.

5. DATA SECURITY

5.1 We implement appropriate technical and organizational measures to safeguard Your personal and business data against unauthorized access, loss, or misuse.

5.2 While We take reasonable steps to protect data, We cannot guarantee absolute security, and You acknowledge the risks associated with internet-based data transmission.

6. USER RIGHTS AND CONSENT

6.1 You have the right to:

  • Access and review the personal data held by Fincobox.
  • Request corrections or updates to Your data.
  • Withdraw consent for data processing, subject to legal and contractual obligations.
  • Request deletion of personal data, where applicable.

6.2 By using Our services, You consent to the collection, processing, and storage of Your data as outlined in this Policy.

7. DATA RETENTION

7.1 Fincobox retains data as long as necessary to fulfill the purposes stated in this Policy, comply with legal obligations, resolve disputes, and enforce agreements.

7.2 Once data is no longer required, We ensure its secure deletion or anonymization.

8. COOKIES AND TRACKING TECHNOLOGIES

8.1 Our Platform may use cookies and similar tracking technologies to enhance user experience and analyze usage patterns.

8.2 You can manage cookie preferences through Your browser settings, but disabling cookies may impact Platform functionality.

9. THIRD-PARTY LINKS

9.1 Our Platform may contain links to third-party websites. We are not responsible for the privacy practices of such external sites and encourage You to review their policies before providing any data.

10. CHANGES TO THIS POLICY

10.1 Fincobox reserves the right to modify this Privacy Policy at any time. Changes will be effective upon notice to the Merchant.

10.2 Continued use of Our services after updates constitutes acceptance of the revised Policy.

11. GOVERNING LAW AND DISPUTE RESOLUTION

11.1 This Policy is governed by the laws of the jurisdiction where Fincobox operates.

11.2 Any disputes arising from this Policy shall first be resolved through good-faith negotiations. If unresolved, disputes shall be settled through arbitration as per the prevailing arbitration laws. In the event arbitration does not lead to a resolution, the parties agree to seek recourse through the courts of Dubai.

12. CONTACT INFORMATION

12.1 For inquiries regarding this Privacy Policy or Your data rights, please contact: info@fincobox.com

© 2025 Fincobox.com. All rights reserved.