CIXOR Privacy Policy

Last Updated: 10th May 2025

Fintechnology Asia Pacific Lanka (Pvt) Ltd (“FINAP,” “we,” “our,” or “us”) is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal data when you use the CIXOR platform (“Platform”), including the web and mobile applications.

By visiting the CIXOR platform website, downloading the mobile app, making purchases, or using the services, the Client agrees to the terms outlined in this Privacy Policy. If the Client does not agree with the Privacy Policy, they should refrain from using the platform.

In the case of data transfers outside the European Economic Area (EEA), we ensure that appropriate safeguards are in place, such as Standard Contractual Clauses, to protect your personal data in accordance with the General Data Protection Regulation (GDPR).

Please read this Privacy Policy carefully to understand our views and practices regarding your personal data and how we will treat it.

Information We Collect

We collect and process the following types of personal information when you use the Platform:

  • Personal Identification Information: When you register as a Client (Lender), we may collect personal details such as your name, business name, contact information (email address, phone number), identification details (e.g., national ID, business registration), and payment details.
  • User Content: Any content that you upload, submit, or provide to the Platform, including loan management details, financial records, and other related documents.
  • Technical Information: Information about your use of the Platform, such as IP addresses, device types, browser types, usage logs, location data, and other technical data collected via cookies or similar tracking technologies.
  • CIXOR Payday Users: If you use the CIXOR Payday service, we collect information provided by employers who register with the system and their employees who access early wage withdrawal services. This may include employment details, salary data, withdrawal history, and related employment verification data.

How We Use Your Information

We use the collected data for the following purposes:

  • Providing and Improving the Platform: To operate and maintain the Platform, and to enhance its features, performance, and functionality.
  • Client Support: To offer customer service, support, and respond to your inquiries or requests.
  • Marketing and Communications: To send promotional emails or updates about new features, services, and products offered by FINAP, subject to your consent.

Data Sharing and Third-Party Services

We may share your data with third parties under the following circumstances:

  • Service Providers: We may engage third-party companies to provide services on our behalf, including payment processors, cloud hosting, and technical support. These third parties are required to handle your data in accordance with our instructions and applicable data protection laws.
  • Legal Obligations: We may disclose your information to comply with legal obligations or in response to lawful requests by government authorities or regulatory bodies.

FINAP does not sell or rent your personal data to third parties for marketing purposes.

Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for legal, regulatory, or contractual obligations. If you do not make payment within 14 days after the due date, your data will be retained for an additional 14-day period. After this period, we may restrict access to the Platform, and your data may be deleted unless otherwise required by law.

Security of Your Information

We take reasonable steps to protect your personal data from unauthorized access, use, alteration, or disclosure. However, no data transmission over the internet or storage system can be guaranteed 100% secure. You are responsible for maintaining the confidentiality of your login credentials, and we encourage you to use strong passwords and take appropriate security measures when accessing the Platform.

Your Rights

Depending on your jurisdiction, you may have the following rights in relation to your personal data:

  • Access: The right to request copies of your personal data.
  • Correction: The right to request correction of any inaccurate or incomplete data.
  • Deletion: The right to request the deletion of your data, subject to certain exceptions.
  • Objection: The right to object to the processing of your data in certain circumstances, such as direct marketing.
  • Restriction: The right to request the restriction of processing under specific conditions.

To exercise any of these rights, please contact us at the details provided below.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on the Platform, personalize content, and analyze usage patterns. You can control cookie preferences through your browser settings, but please note that disabling cookies may impact your ability to use certain features of the Platform.

International Data Transfers

As part of our operations, your personal data may be transferred to, and processed in, countries outside your home country. These countries may have different data protection laws. We will take appropriate measures to ensure your data is protected in accordance with this Privacy Policy and applicable laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify you by updating the “Effective Date” at the top of this policy and, where appropriate, providing additional notice through the Platform. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal data.

Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us at:

Fintechnology Asia Pacific Lanka (Pvt) Ltd
31A, Buthgamuwa Road, Kotuwegoda, 10107
Phone: +94 77 639 5135
Email: info@mycixor.com

Please also refer to our Terms & Conditions and Refund Policy for further details.