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Privacy Policy

‍At Flow, it is important to us that you feel comfortable and trust us with your information when you use Flow’s services. Please take a few minutes to read this Privacy Policy, so that you understand what information we collect, what we do with it and why.

What this policy covers

This Privacy Policy covers how AsiaCollect Holdings Pte. Ltd. and its affiliated companies in India, Indonesia, Vietnam and the Philippines (collectively, “Flow,” “we,” “us” or “our”) collect, use, and share information in connection with your access and use of our customer portal. It does not cover the privacy practices of third parties that we do not own or control. This Privacy Policy will explain how our organization uses the personal data we collect from you when you use our website.

What data we collect

We collect your name and contact information as well as other information you have submitted to your financial institution at the time of the loan application. This information may include your name, email address, phone number, birthdate, Tax-ID, passport number and your employer’s name, etc.

Why we collect your data

We provide financial institutions with the tools to maximize efficiency of consumer Non-Performing Loan management at all stages of delinquency. In line with global best practice, we view our services as a sophisticated and highly specialized contact center business, with strong operational control, state-of-the-art technology, and application of advanced technics to achieve optimal outcomes for both debtors and borrowers. By entering this customer portal, you agree to the collection, use, and sharing of your data in accordance with this Privacy Policy. Unless the specific product states otherwise, all FlowTech products and services are included under this Privacy Policy.

How we collect your data

‍We collect your data from your financial institution that you have submitted at the time of the loan application as well as other information that you submit when you complete contact or request forms, request assistance from our customer support team or request any other action from us at our web-site and consent to us obtaining your personal data. We will not and cannot extract your personal data without your consent (including the one you have provided to your financial institution.

How we use your data

We strongly believe in both minimizing the data we collect and limiting its use and purpose to only that for which we have been given permission, as we might be required or permitted for legal compliance or other lawful purposes:

  • Delivering, improving, updating and enhancing our products or services (providing you information on our products or services, conducting contests or surveys, performing analysis of our products or services).
  • We may also contact you with offers for additional services we think you’ll find valuable if you give us consent, or where allowed based upon legitimate interests.
  • Communicating with you, such as by way of email or survey delivery.
  • Customer relationship management and related services.

How we share your data

We may share your personal information with affiliated companies within our corporate family, with which we have partnered to allow you to integrate their services into your debt management processes, and with trusted third party service providers as necessary to perform services on our behalf.

We only share your personal information with third parties as necessary to provide the services as requested or as needed on our behalf. These third parties are subject to strict data processing terms and conditions and are prohibited from utilizing, sharing or retaining your personal information without your consent or for any purpose other than as they have been specifically contracted for.

‍We may also share your data: when authorized by law or necessary to comply with a valid legal process; when required to protect and defend the rights or property of FlowTech, including the security of our products and services; when necessary to protect the personal safety, property or other rights of the public, FlowTech or its customers or employees; or in connection with a sale of all or part of our business. If we are involved in a merger, acquisition or asset sale, we will abide by this Privacy Policy, and any affected users will be informed if we transfer any personal data to a third party or if personal data becomes subject to a different privacy policy as a result.

How long we keep your data

To implement and improve the functionality of our website and for delivering, improving, updating and enhancing our products or services, we will keep your data for up to three 3 years unless you request us to delete your data at an earlier date.

What rights do you have over your data

At FlowTech we would like to make sure you are fully aware of all of your data protection rights.

The right for information – You have the right to ask us about the data we process about you, the purpose and nature of the processing, and to provide information on who we share it with. 

The right to rectification – You have the right to request that we update the data we have collected about you at any time. You also have the right to request us to complete the information you believe is incomplete.

The right to restrict processing and data erasure – You have the right to request that we restrict the processing and/or erase your personal data, under certain conditions (assuming that this does not impact the services we are providing to you or your financial institution). Please note that we may reject requests which risk the privacy of others or are unreasonable or repetitive or would require a disproportionate effort. Unless you request us to delete your data, please note that we may keep your data after you stop being a user of our products or services. 

The right for protection of data – You have the right to expect us to protect your data and keep it safe. We work hard to protect our users from unauthorized access to or unauthorized alteration, disclosure or destruction of the information we hold. In particular: we abide by this Privacy Policy at all times with respect to all data that we collect from you; we limit the use and disclosure of your data, and work to ensure that anyone with whom we share such information treats that information with the privacy and security it deserves; and we have put in place industry-accepted physical, technical and administrative practices to safeguard and secure the information we collect.

The right to complain – You have the right to lodge a complaint with the relevant data protection authorities for any violation of applicable data protection laws.

How can you contact us

If you have any questions about this policy or any of the above, please email us at

You may also contact us by mail at: AsiaCollect Holdings Pte. Ltd, 60 Paya Lebar Road #08-06 Paya Lebar Square Singapore (409051).

How we change this Privacy Policy

We reserve the right to change this Privacy Policy at any time and will indicate the date the Privacy Policy was most recently updated. If there have been significant changes, we will highlight any such changes and will attempt to directly alert you when possible. We will also keep prior versions of this Privacy Policy in an archive for your review.