Introduction
Welcome to Flowt. Flowt Intelligence Inc. ("Flowt," "we," "our," or "us") is Africa's premier business loans marketplace, connecting businesses with lenders through our innovative financial health check assessment platform.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at flowt.africa, use our mobile applications, or engage with our services.
By using Flowt, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
Information We Collect
Personal Information
- Full name, email address, and phone number
- Business name, registration details, and tax identification numbers
- Job title, role, and professional information
- Physical address and country of operation
- Government-issued identification for verification purposes
Financial Information
- Bank statements and financial records (with your explicit consent)
- Revenue, expenses, and cash flow data from connected ERP/accounting systems
- Credit history and existing debt obligations
- Business performance metrics and financial ratios
Technical Information
- IP address, browser type, and device information
- Operating system and platform
- Usage data, page views, and navigation patterns
- Cookies and similar tracking technologies
ERP / Accounting Integration Data
- Data from connected systems like QuickBooks, Sage, Odoo, and others
- Historical transaction records and financial reports
- Customer and vendor information as relevant to financial analysis
How We Use Your Information
We use your information to provide, maintain, and improve our services:
Financial Health Check Assessment
Generate comprehensive financial health check scores and reports
Lender Matching
Connect you with appropriate lenders based on your profile
Account Management
Create, maintain, and secure your Flowt account
Communication
Send service updates, alerts, and promotional materials
Analytics
Improve our platform through usage analysis and research
Compliance
Meet legal, regulatory, and fraud prevention requirements
Support
Provide customer service and technical assistance
Personalization
Tailor your experience and recommendations
Data Sharing & Disclosure
We may share your information in the following circumstances:
With Lenders (With Your Consent)
When you apply for financing, we share your financial health check report and relevant business information with lenders you've selected or matched with.
Service Providers
We work with trusted third-party providers for hosting, analytics, payment processing, and customer support who are bound by confidentiality agreements.
Legal Requirements
We may disclose information when required by law, court order, or government request, or to protect our rights and the safety of users.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Important: We never sell your personal information to third parties for marketing purposes.
Data Security
We implement industry-leading security measures to protect your data:
Encryption
AES-256 encryption for data at rest and TLS 1.3 for data in transit
Access Controls
Role-based access with multi-factor authentication
Monitoring
24/7 security monitoring and intrusion detection systems
Backups
Regular encrypted backups with disaster recovery procedures
Compliance
SOC 2 Type II and ISO 27001 security standards
Testing
Regular penetration testing and vulnerability assessments
AI & Machine Learning
Flowt uses AI and machine learning to enhance our services responsibly:
How We Use AI
- Analyze financial data to generate financial health check scores
- Match businesses with suitable lenders
- Detect anomalies and potential fraud
- Provide personalized insights and recommendations
Your AI Data Rights
- Your data is never used to train third-party AI models
- You can request human review of automated decisions
- AI scoring methodologies are transparent and explainable
- You can opt out of certain AI features while maintaining core services
AI Model Security
- AI models are hosted in secure, isolated environments
- No individual user data is exposed in model outputs
- Regular bias audits ensure fair treatment across demographics
- Models are versioned and auditable
Data Retention
We retain your information for as long as necessary to provide our services and fulfill legal obligations:
| Data Type | Retention Period |
|---|---|
| Account Information | Duration of account + 7 years |
| Financial Data | 7 years (regulatory requirement) |
| Financial Health Check Reports | 5 years from generation |
| Communication Records | 3 years |
| Technical Logs | 90 days |
Your Rights
Depending on your location, you may have the following rights regarding your personal data:
Access
Request a copy of your personal data
Rectification
Correct inaccurate or incomplete data
Erasure
Request deletion of your data ('right to be forgotten')
Portability
Receive your data in a portable format
Restriction
Limit how we process your data
Objection
Object to certain types of processing
Withdraw Consent
Revoke previously given consent
Complaint
Lodge a complaint with supervisory authorities
To exercise any of these rights, please contact us at handel@flowt.africa
International Data Transfers
As a pan-African platform, we may transfer your data across borders:
- Data is primarily processed within African data centers where available
- For cloud services, we use providers with data residency in Europe or the US
- All international transfers are protected by appropriate safeguards (Standard Contractual Clauses)
- We comply with local data protection laws including Kenya's Data Protection Act, Nigeria's NDPR, and South Africa's POPIA
Children's Privacy
Flowt is a B2B platform designed for business owners and professionals. Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected data from a child without verification of parental consent, we will delete that information promptly.
Policy Updates
We may update this Privacy Policy from time to time. When we make material changes:
- We will notify you via email and/or a prominent notice on our platform
- The "Last updated" date at the top will be revised
- For significant changes, we may require renewed consent
- Previous versions will be archived and available upon request
Contact Us
If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us:
Flowt Intelligence Inc., 16192 Coastal Highway, Lewes, Delaware 19958
Within 30 days
Privacy at a Glance
AES Encryption (bit)
Response Guarantee
Data Sold to Third Parties