Welcome to FlexSalary.com ("FlexSalary", "FlexPay", "FlexPay Loan""Website", "site"), an offering from Vivifi India Finance Pvt Ltd ("Company", "we", "us", "our"). Vivifi India Finance Pvt Ltd is a Non-Deposit Taking Non-Banking Financial Company licensed by the Reserve Bank of India. The Company offers short-term loans pursuant to a written agreement between us and a customer establishing an open-ended credit plan under which we contemplate repeated non-commercial loans for personal, family, or household purposes, that are unsecured, without fixed maturities or limitations as to the length of term and subjected to prepayment in whole or in part at any time without penalty.
These loans are intended to address short-term financial needs only and are governed by the terms of the Vivifi Loan Agreement and the applicable laws of India. Vivifi India Finance Pvt Ltd, in whole, is not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India. Vivifi provides website features and other products and services to you when you visit FlexSalary.com, use the Company's financial products, use Vivifi applications for mobile, or use software provided by Vivifi in connection with any of the foregoing (collectively, "Services"). Vivifi provides the Services subject to the following terms and conditions.
By using Vivifi Services, you agree to these conditions as listed out in this agreement. Please read them carefully.
The following is a legal agreement (the "Agreement") between you and Vivifi India Finance Pvt Ltd (interchangeably used as "Vivifi", "Company", "we", "us", "our", "Mobile Application", "Mobile App", "App", "FlexSalary.com", "Website", "Site" or "FlexSalary") that sets forth the terms and conditions of your use of FlexSalary.com. Use of the Website is conditioned on your acceptance, without modification, of the Agreement. Please carefully review the Agreement before using this Website. Your use of the Website constitutes your acceptance of all the terms, conditions, and notices contained in the Agreement. This Agreement supersedes any previous terms and conditions to which you and FlexSalary may have been bound. If you do not agree to these terms, please exit this Website immediately.
Your use of this Site and any Term and Conditions stated in this Agreement is subject to laws of India. In case of any disputes arising out of the use of the Website and Mobile Application, Courts of Telangana will have exclusive jurisdiction.
We offer a wide range of Services, and sometimes additional terms may apply. When you use a FlexSalary Service (for example, Your Profile, FlexSalary Loan, or applications for mobile) you will also be subject to the guidelines, terms and agreements applicable to that FlexSalary Service ("Service Terms") or the FlexSalary Loan Agreement Terms. If the Terms and Conditions of this agreement are inconsistent with the Service Terms or Vivifi Loan Agreement terms, those Terms will control.
Vivifi provides a service that allows you to apply for a financial loan and receive emails or calls pertaining to your application, its processing and through the term of your account with us. You understand and agree that if you request a product or service, such as a loan, or any other service relating to finances offered, FlexSalary.com will share your information with certain business partners and/or unrelated third-party companies to process and fulfil your request.
You further agree that by submitting information to FlexSalary.com, you consent to allow us to contact you by telephone, email or mail, even if you have opted into the National Do Not Call List or any other Do Not Call List.
This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. This Agreement shall be subject to any other agreements you have entered with Vivifi. All rights not expressly granted herein are hereby reserved.
No joint venture, partnership, employment, or agency relationship exists between you and Vivifi as a result of this Agreement or use of the Website. Vivifi's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Vivifi's right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Vivifi with respect to such use.
Refer here Rate & Fees
To avail certain services on the FlexSalary App, users are required to provide certain personally identifiable information for the registration process includes a) your name, b) email address, c) phone number, d) access to your phone's SMS inbox records d) bank details e) employer details f) income details and any other such information as required. The Information as supplied by the users enables us to improve the Vivifi App Services and provide you the most user-friendly experience. In some cases / provision of certain service(s) or utility(-ies), we may require your contact address as well.
Vivifi will request permission to capture the user's location for verification, risk analysis and operational purposes. The user's location will enable Vivifi to verify addresses, determine serviceability and expedite the KYC process.
Vivifi will request permission to capture the user's phone / device information for authentication, monitoring and fraud prevention purposes. Vivifi will collect information regarding, but not limited to, device hardware model, OS version, unique device identifiers, Wi-Fi information, mobile network information etc. This will enable Vivifi to authenticate the user, prevent unauthorized usage and mitigate fraud.
Vivifi will require the storage information permission that allows the App to enable users to upload photos and / or documents required to complete the application form during their loan application journey. The users may be required to upload their photo ID, address proof and proof of employment.
Vivifi will require the camera information permission to provide the user with an easy / smooth experience and to enable users to click photos of their KYC documents along with other requisite documents and upload the same on the App during the loan application journey.
The Company may use the above said user information to, maintain, protect, and improve the Vivifi App Services and for developing new services. We may also use your phone number, email address or other personally identifiable information to send commercial or marketing messages without your consent [with an option to subscribe / unsubscribe (where feasible)]. We may, however, use your email address and phone number without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to Vivifi App Services, billing, transaction notifications etc.).
In case you choose to decline to submit personally identifiable information on the Vivifi App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you for lack of you providing the necessary personal information.
DEMOGRAPHIC & RELATED INFORMATION: We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track the user behavior on our website and our app. Google Analytics specifically has been enabled to support display advertising to help us gain an understanding of our users' Demographics and Interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that you may have shared with us. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings options provided by Google.
LOCATION AND DEVICE INFORMATION: Our Servers automatically collect limited information about your device's connection to the Internet, including your IP address, when you visit our Site or use the App. We automatically receive and log information from the App and/or your browser including but not limited to IP address, your device or computer's name, and your operating system.
We may also collect log information from your device, including but not limited to your location, IP address, your device's name, device's serial number or unique identification number (e.g., UDID on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc. Our app collects and monitors specific information about your device including hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information includes network operator, roaming state, MNC and MCC codes, WIFI information includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device act on your behalf to prevent frauds. This also helps us in assessing credit worthiness for credit profile enrichment.
COOKIES: To improve the responsiveness of the Site for our users, we may use "cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user's individual interests using the identified computer. Our partners may also assign their own cookies to your browser, a process that we do not control.
When you use the Vivifi App Services Site (or any of its sub sites), we make good faith efforts to provide you, as and when requested by you, with access to your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical, or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. 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 unauthorized access to systems where we store personal data. All information gathered on the Vivifi App is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited.
Vivifi reserves the right to change the Agreement under which the Website or any Vivifi Service is offered, including, but not limited to, the charges associated with the use of the Website, at any time for any reason. Vivifi will notify you of any such changes by posting the revised Agreement on the Website. You should check this Agreement periodically for changes.
All changes are effective upon posting. Your continued use of the Website after any change to this Agreement constitutes your agreement to be bound by any such changes. Vivifi may terminate, suspend, change, or restrict access to all or any part of this Website without notice or liability. Vivifi shall not be liable to you or any third-party should Vivifi exercise its right to modify or discontinue the Service. You acknowledge and accept that Vivifi does not guarantee continuous, uninterrupted or secure access to the site, services, or third-party companies, and operation of our site may be interfered with or adversely affected by numerous factors or circumstances outside of our control. Vivifi further retains the right to terminate access any accounts involved with botnets and related activities. If any hostnames are used as command-and-control points for botnets, Vivifi reserves the right to direct the involved hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion.
You agree that you will not use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of Vivifi. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You expressly absolve and release Vivifi from any claim of harm resulting from a cause Vivifi's control, including, but not limited to, the performance of third-party service providers, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labour problems, wars, or governmental restrictions.
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.
You agree to indemnify, defend, and hold harmless Vivifi India Finance Pvt Ltd, its officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all costs, claims, damages, demands, expenses, liabilities, or losses, including reasonable attorneys' fees and costs, incurred by Vivifi in connection with a third-party claim that occurs as a result of your violation of this Agreement. You further agree that you will cooperate fully in the defence of any such claims. The Company reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Vivifi.
Failure by Vivifi to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
This Agreement will take effect at the time you begin installing, accessing, or using this Website, whichever is earliest. This Agreement is effective until terminated by Vivifi. Vivifi may terminate this Agreement at any time without notice, or suspend, or terminate your access and use of the Website at any time, with or without cause, in Vivifi's absolute discretion and without notice. The following provisions of the Agreement shall survive termination of your use or access to the Website: the sections concerning Indemnification, Disclaimer of Warranties, Liability Disclaimer, Waiver, Applicable Law and Dispute Resolution, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Website.
When you use the Website or any Vivifi Service, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site or through the other Services. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You understand that Vivifi may maintain the information you submitted on Vivifi whether you elect to use our services or not. In the event you no longer want to receive communications from us, you agree to notify us directly.
All content included in or made available through the Website or any Vivifi Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, and data compilations is the property of Vivifi or its content suppliers and protected by India and international copyright laws. The compilation of all content included in or made available through the Website, or any Vivifi Service is the exclusive property of Vivifi India Finance Pvt Ltd and protected by India and international copyright laws.
Vivifi (including the Vivifi logo), Vivifi, and all related logos are trademarks, service marks, or licensed brands of Vivifi India Finance Pvt Ltd. Other company, product, and service names and logos used and displayed on this Website may be trademarks or service marks owned by Vivifi India Finance Pvt Ltd or others. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. Nothing on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the trademarks displayed on this Website, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website unless in accordance with written authorization by us. We prohibit use of any of the Vivifi trademarks, service marks or licensed brands as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance. Any questions concerning any Vivifi trademarks, or whether any mark or logo is a Vivifi trademark, should be referred to Vivifi India Finance Pvt Ltd.
If you use the Website or any Vivifi Service, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. By installing, accessing, and using this Website, you represent that you are at least eighteen (18) years of age and is legally allowed to enter into a contract in India, and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Website, including, without limitation, when you use Services provided. If you provide any false, inaccurate, untrue, or incomplete information, Vivifi reserves the right to terminate your access and use of this Website. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Website and agree not to interfere with the use and enjoyment of this Website by other users and Vivifi's operation or management of this Website. Moreover, you agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of Vivifi, when using this Website. Vivifi, further reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in its sole discretion.
Visitors may post reviews, comments, photos, and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content.
Vivifi reserves the right (but not the obligation) to remove or edit such content but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant the Company a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
You grant the Company the right to use the name that you submit in connection with such content. You represent and warrant that you own or otherwise control all the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify the Company for all claims resulting from content you supply. The Company has the right but not the obligation to monitor and edit or remove any activity or content. The Company takes no responsibility and assumes no liability for any content posted by you or any third party. Notwithstanding this right and license, it is understood that by merely permitting your information, content, and materials to appear on this Web site, Vivifi has not become and is not a publisher of such information, content, and materials.
Vivifi assumes no responsibility for the deletion of or failure to store any message.
You must use your best judgment and reasonable caution in evaluating all third-party postings or other content on the Web site. Vivifi does not endorse, oppose, or edit any opinion or information provided by a user or third party, with the exception of removing temporarily or deleting what appears to be potentially unlawful content or content otherwise prohibited under this policy. Vivifi does not make any representation with respect to, nor does it endorse the accuracy, completeness, timeliness, or reliability of any advice, opinion, statement, or other material displayed, uploaded, distributed by any user of, or third-party contributing materials to, this Web site. Vivifi expressly disclaims all responsibility and liability for such postings, information, and material.
Vivifi welcomes your feedback and suggestions about how to improve this site. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to Vivifi, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to Vivifi. In addition, any feedback received through this site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for Vivifi to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.
Linking to/ from the Website and Social Media Features:
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
You must not
Use of the Website or any Vivifi Service is unauthorized in any jurisdiction that does not give effect to all provisions of the Agreement. This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. The offer of this Website or any Vivifi service is not a distribution or solicitation by Vivifi to any person to use the Website or any Vivifi service in jurisdictions where the provision of the Website and its contents is prohibited by law.
Actual or attempted unauthorized use of the Web site may result in criminal and/or civil prosecution. Vivifi reserves the right to view, monitor, and record activity on the Web site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Web site. Vivifi will also comply with all court orders
You acknowledge, consent and agree that Vivifi may access, preserve, and disclose the information we collect about you if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to :
The Website may contain links to other websites owned by third party nonaffiliates ("Linked Sites"). Vivifi hereby disclaims any liability for the contents of any Linked Site including, without limitation, any information, links, materials, products, or services posted or offered at a Linked Site or any changes or updates to a Linked Site. Vivifi is not responsible for webcasting or any other form of transmission received from a Linked Site. Creating a link to a Linked Site does not imply Vivifi's:
You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other websites, and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You are permitted to use content delivered to you through the service only on the service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the service. You are licensing to the Company and its service providers, including Yodlee any information, data, passwords,materials or other content (collectively "Content") you provide through or to the service. Company and Linked Site may use, modify, display, distribute and create new material using such Content to provide the service to you. Company and Linked Site may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of the Service. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and Linked Site may use the Content for the purposes set out above. As between Company and Linked Site, Company owns your confidential account information. By using the service, you authorize Company and Linked Site to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant Company and Linked Site a limited power of attorney, and you hereby appoint Company and Linked Site as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. You acknowledge and agree that when Company or Linked Site accesses and retrieves information from third party sites, Company and Linked Site are acting as your agent.
Vivifi, in its sole discretion, may post the advertisements of third parties on this Web site and/or feature materials, programs, products, and services provided by third parties. Vivifi makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third-party materials, programs, products, and services or any other materials, programs, products, and services which such third-party materials, products, and services may access. Your correspondence or any other dealings with third parties found on this Web site are solely between you and such third party. Vivifi expressly disclaims responsibility and liability for all third party provided materials, programs, products, and services contained on or accessed through this Web site, and you agree that Vivifi shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such third parties on this Website.
The information, software, products, and services included in or available through the website may include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. Vivifi may make improvements and changes to the website at any time. Advice received via the website should not be relied upon for personal, legal, or financial decisions. You should consult an appropriate professional for specific advice tailored to your situation.
To the maximum extent permitted by applicable law, in no event shall Vivifi be liable for any direct, indirect, punitive, incidental, special, or consequential damages, or any damages whatsoever, including, without limitation, damages for loss of use, data, or profits arising out of or in any way connected with the use or performance of the website, with the delay or inability to use the website or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the website, or otherwise arising out of the use of the website, whether based on contract, negligence, strict liability or otherwise, even if Vivifi has been advised of the possibility of damages. If you are dissatisfied with any portion of the website or the agreement, your sole and exclusive remedy is to discontinue using the website.
Vivifi makes no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the website for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided "as is" without warranty or condition of any kind. Vivifi hereby disclaims all warranties and conditions with regards to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.
Additionally, there are no warranties as to the results of your use of the content. Vivifi does not warrant that the site is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction, or modification under the laws applicable to this agreement. Use of this site is at your own risk.
You irrevocably agree and allow and give your express consent to Vivifi either directly or through its authorized representative / agent to procure and access your information such as PAN number and Bank account details and obtain / generate your CIBIL and Experian report for credit assessment purposes and such other purpose as Vivifi may in its discretion deem fit. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Vivifi with respect to the Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between the user and Vivifi with respect to the Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that this agreement and all related documents are drawn up in English.
If you have questions regarding this Web site or if you are interested in obtaining more information concerning Vivifi please contact us at [email protected].
In accordance with Integrated Ombudsman Scheme for Non-Banking Financial Companies, 2021 and rules made there under, the name and contact details of the Grievance/Nodal Officer are provided below: