Privacy Policy

1 Who We Are

Fluenx Inc. ("Fluenx," "we," "us," or "our") provides financial technology services, including multi-currency virtual accounts and money movement tools. Fluenx account services are provided in partnership with regulated financial institution partners. Fluenx operates as a technology provider and is not a bank.

2 Information We Collect

• Identity information: Full legal name, date of birth, government-issued identification, tax identification number where applicable, and a photograph for identity verification.
• Contact information: Email address, mailing address, and phone number.
• Financial information: Account balances, transaction history, linked payment methods, and currency conversion activity.
• Device and usage information: IP address, browser type, device identifiers, and log data collected automatically when you access our services.
• Verification data: Information collected during identity verification (KYC) and ongoing monitoring required by applicable law.

3 How We Use Your Information

• To open, verify, and maintain your account
• To process transactions and currency conversions you request
• To comply with legal and regulatory obligations, including anti-money-laundering (AML) and Know Your Customer (KYC) requirements
• To detect, investigate, and prevent fraud or unauthorized activity
• To communicate with you regarding your account, security alerts, and service updates
• To improve and maintain the reliability of our platform

4 How We Share Your Information

We do not sell your personal information. We share information only with:

• Our bank and payment processing partners, to the extent necessary to provide account and money movement services
• Identity verification and fraud prevention providers
• Regulators, law enforcement, or courts, when legally required
• Service providers who process data on our behalf under contractual confidentiality obligations

5 Data Security

We employ industry-standard safeguards to protect your information, including encryption in transit and at rest, strict access controls, and continuous monitoring. While no method of transmission or storage is completely secure, we are committed to maintaining the highest standards of data protection.

6 Data Retention

We retain account and transaction information for the duration of your account's active status and thereafter as required by applicable financial recordkeeping laws, which may require retention for several years following account closure.

7 Your Rights and Choices

Depending on your jurisdiction, you may have the right to access, correct, or request deletion of your personal information, subject to our legal recordkeeping obligations. Most account information can be updated directly through your dashboard or by contacting our support team.

8 Children's Privacy

Fluenx services are not directed to individuals under 18 years of age, and we do not knowingly collect personal information from minors.

9 Changes to This Policy

We may update this policy from time to time. Material changes will be communicated via email or an in-app notice prior to taking effect.

10 Contact Us

Questions regarding this policy may be directed to legal@fluenx.com.