Last Updated: 1st October 2025
Fintechnology Asia Pacific Lanka (Pvt) Ltd ("FINAP," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal data when you use the CIXOR PayDay mobile application and related services ("Platform").
By using our Platform, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the Platform.
1. Information We Collect
We may collect the following categories of information when you use the Platform:
- Personal Identification Information: Full name, email, phone number, address, date of birth, identification documents (e.g., national ID or business registration), and payment account details.
- Employment and Account Data: Employer-provided information, account setup details, balance information, salary/transaction history, and related records.
- Technical Information: Device identifiers, IP address, browser type, operating system, and usage data collected via cookies or similar technologies.
- User Content: Information you upload or provide through the app (e.g., forms, documents, feedback).
2. How We Use Your Information
We process personal data for the following purposes:
- To provide, operate, and improve the Platform.
- To verify identity and comply with legal and regulatory obligations (KYC/AML).
- To process transactions, track balances, and enable app features.
- To provide customer support and respond to inquiries.
- To send important service updates or, where consent is given, promotional communications.
3. Data Sharing and Third-Party Services
We may share your data with third parties under the following circumstances:
- Service Providers: With trusted partners who provide services such as payment processing, data hosting, or technical support, under strict confidentiality agreements.
- Legal Requirements: Where disclosure is necessary to comply with applicable laws, regulations, legal processes, or government requests.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred in accordance with this Policy.
4. Data Retention
We retain personal data only as long as necessary to provide services, meet legal obligations, resolve disputes, and enforce agreements. When data is no longer required, it will be securely deleted or anonymised in compliance with applicable law.
5. Security
We implement reasonable technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no system is completely secure, and you are responsible for maintaining the confidentiality of your account credentials.
6. Your Rights
Depending on your jurisdiction, you may have rights such as:
- Access to your personal data.
- Request correction of inaccurate or incomplete information.
- Request deletion of your data, subject to legal or regulatory requirements.
- Object to or restrict certain data processing activities.
To exercise these rights, please contact us at the details below.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to improve user experience and analyze usage. You may manage cookie preferences through your browser settings, but disabling them may limit functionality.
8. International Data Transfers
Your data may be transferred to and processed in countries outside your home country. Where required, we implement safeguards (such as Standard Contractual Clauses) to ensure adequate protection of personal data.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Significant changes will be communicated through the Platform or by other appropriate means.
10. Contact Us
If you have any questions about this Privacy Policy or how we handle your personal data, please contact us at:
- Company name : Fintechnology Asia Pacific Lanka (Pvt) Ltd
- Address : 31A, Buthgamuwa Road, Kotuwegoda, 10107
- Phone: 076 824 7643
- Email: info@mycixor.com