Privacy Policy

‍At Flow, it is important to us that you feel comfortable and trust us with your information when you use the Flow 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, and Vietnam (collectively, “Flow,” “we,” “us” or “our”) collect, use, and share information in connection with your access. It does not cover the privacy practices of third parties that we do not own or control.

Why we collect your data

We provide companies with the services and tools to maximise recovery 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 specialised contact centre business, with strong operational control, state-of-the-art technology, and application of advanced predictive analytics to achieve optimal outcomes for both clients and consumers. By applying for using our products or services, you agree to the collection, use, and sharing of your data in accordance with this Privacy Policy. Unless the specific product states otherwise, all Flow products and services are included under this Privacy Policy.

‍How we collect your data

We collect your data when you complete contact or request forms, order any of our products or services, request assistance from our customer support team or request any other information 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.

‍What data we collect

We collect your contact information that you submit on our website. This information may include your name, email address, and your company name.

‍How we use your data

We use your data to contact you to allow Flow to decide how to better address your needs with regard to our products or services.

We strongly believe in both minimising the data we collect and limiting its use and purpose to only that for which we have been given permission, as necessary to deliver the products or services you purchase or interact with, or as we might be required or permitted for legal compliance or other lawful purposes:

  1. 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).
  2. 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.
  3. Communicating with you, such as by way of email or survey delivery.
  4. 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 utilising, 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 authorised by law or necessary to comply with a valid legal process; when required to protect and defend the rights or property of Flow, including the security of our products and services; when necessary to protect the personal safety, property or other rights of the public, Flow 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 unless you request us to delete your data or unsubscribe to our mailing list.

‍What rights do you have over your data

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.You have the right to request that we update or delete (assuming that this does not impact the services we are providing to you) the data we have collected about you at any time. 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.You have the right to expect us to protect your data and keep it safe.

We work hard to protect Flow and our users from unauthorised access to or unauthorised 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. You have the right to lodge a complaint with the relevant data protection authorities for any violation of applicable data protection laws.

‍How we change this Privacy Policy

We reserve the right to change this Privacy Policy at any time. 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.

‍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: 60 Paya Lebar Road #08-06 Paya Lebar Square Singapore (409051).