Privacy Policy

Fund Flexo Privacy Policy

1. Introduction

Fund Flexo, Inc. (together with our subsidiaries and affiliates, “Fund Flexo,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your Personal Information when you access or use our websites, mobile applications, APIs, software, products, and services (collectively, the “Services”).

This Privacy Policy forms part of our Terms of Use. Capitalized terms not otherwise defined herein have the meanings assigned to them in the Terms of Use.

“Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual or business.

This Privacy Policy applies only to Personal Information processed by Fund Flexo in its capacity as a business or controller under applicable privacy laws. It does not apply to Personal Information processed by third parties on their own behalf.

The Services may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing any information.

2. Personal Information We Collect

To use certain Services, you may be required to create an account (“Account”). The categories of Personal Information we collect depend on your interactions with Fund Flexo and applicable legal requirements.

2.1 Information You Provide Directly

We may collect:

  • Full name

  • Email address

  • Phone number

  • Business name

  • Business address

  • Financial information

  • Billing information

  • Government-issued identification

  • Employment information

  • Transaction details

  • Customer support communications

When applying for financing or other financial products, you may be required to provide additional information about yourself, your business, beneficial owners, employees, or authorized representatives.

If you provide Personal Information relating to another individual, you represent that you have obtained any required consent and authorization.

2.2 Information From Third-Party Sources

You may choose to connect third-party services to your Fund Flexo Account, including accounting software, banking platforms, payment processors, and financial service providers.

When authorized by you, we may receive information from such third-party services, including:

  • Account balances

  • Transaction history

  • Revenue information

  • Business performance data

  • Identity verification data

We may use third-party data providers, including Plaid, Yodlee, or similar service providers, to verify financial information and facilitate account connections.

By linking third-party accounts, you authorize Fund Flexo to access and use information available from those accounts as permitted by applicable law and the provider’s terms.

2.3 Information Collected Automatically

We may automatically collect:

  • IP address

  • Browser type

  • Device identifiers

  • Operating system

  • Mobile carrier information

  • Website usage information

  • Referral URLs

  • Date and time of access

  • Session information

  • Clickstream data

  • Geolocation information where permitted

We may use cookies, pixels, SDKs, and similar technologies to collect this information.

3. How We Use Personal Information

We may use Personal Information for the following purposes:

3.1 Providing Services

To:

  • Create and manage accounts

  • Process applications

  • Verify identities

  • Evaluate eligibility for products and services

  • Facilitate transactions

  • Process payments

  • Provide customer support

  • Prevent fraud

3.2 Business Operations

To:

  • Operate and maintain our Services

  • Improve products and services

  • Perform analytics

  • Conduct audits

  • Manage security

  • Enforce agreements

  • Comply with legal obligations

3.3 Marketing and Communications

To:

  • Send service-related notices

  • Deliver promotional communications

  • Provide product updates

  • Offer relevant products and services

  • Conduct surveys and research

You may opt out of marketing communications at any time.

3.4 Analytics and Aggregated Data

We may create aggregated, anonymized, or de-identified information that cannot reasonably identify an individual. We may use such information for research, analytics, reporting, product development, and other lawful business purposes.

4. How We Share Information

4.1 Service Providers

We may share Personal Information with vendors and service providers that help us operate our business, including providers of:

  • Cloud hosting

  • Technology infrastructure

  • Payment processing

  • Identity verification

  • Customer support

  • Analytics

  • Security services

  • Collections services

4.2 Affiliates and Business Partners

We may share information with our affiliates and authorized business partners where necessary to provide Services, fulfill contractual obligations, or support business operations.

All recipients are required to maintain appropriate confidentiality and security measures.

4.3 Legal Compliance and Protection

We may disclose information when we believe disclosure is necessary to:

  • Comply with legal obligations

  • Respond to lawful requests

  • Enforce agreements

  • Protect rights and property

  • Prevent fraud

  • Protect users and the public

4.4 Business Transfers

If Fund Flexo is involved in a merger, acquisition, financing transaction, restructuring, bankruptcy, sale of assets, or similar transaction, Personal Information may be transferred as part of that transaction.

4.5 International Transfers

Personal Information may be transferred to and processed in countries other than the country where you reside. By using the Services, you consent to such transfers where permitted by law.

5. Your Privacy Choices and Rights

5.1 Marketing Preferences

You may opt out of promotional emails by following the unsubscribe instructions included in such communications.

We may still send transactional or service-related communications.

5.2 Cookies and Online Tracking

We and our partners may use cookies and similar technologies for analytics, advertising, and service functionality.

You may manage cookie preferences through your browser settings.

5.3 Privacy Rights

Subject to applicable law, you may have rights to:

  • Access Personal Information

  • Correct inaccurate information

  • Delete Personal Information

  • Restrict processing

  • Object to processing

  • Withdraw consent

  • Request data portability

To exercise these rights, contact us using the information provided below.

We may verify your identity before processing requests.

6. Data Retention and Security

6.1 Retention

We retain Personal Information for as long as necessary to:

  • Provide Services

  • Maintain accounts

  • Comply with legal obligations

  • Resolve disputes

  • Enforce agreements

  • Protect our business interests

6.2 Data Accuracy

You are responsible for maintaining accurate account information.

You may update certain information through your account settings or by contacting us.

6.3 Security

We implement reasonable administrative, technical, and physical safeguards designed to protect Personal Information.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Children’s Privacy

The Services are not intended for individuals under the age of 16.

We do not knowingly collect Personal Information from children under 16. If we become aware that such information has been collected, we will take appropriate steps to delete it.

8. Health Information

Fund Flexo is not a covered entity under the Health Insurance Portability and Accountability Act (HIPAA).

Please do not submit protected health information through the Services.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Any updates will be posted on this page with a revised effective date.

Your continued use of the Services after changes become effective constitutes acceptance of the revised Privacy Policy.

10. State Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable law.

Where required, Fund Flexo will provide state-specific privacy notices and disclosures.

11. California Privacy Rights

California residents may have rights under applicable California privacy laws, including rights relating to access, deletion, correction, and information-sharing disclosures.

Requests may be submitted using the contact information below.

12. Vermont Residents

If you are a Vermont resident, we will share information only as permitted by applicable law.

We will not disclose your personal information to nonaffiliated third parties for marketing purposes without appropriate authorization where required.

13. Contact Us

If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact:

Fund Flexo Privacy Team

Email: contact@fundflexo.com

Website: https://www.fundflexo.com

You may be required to provide information necessary to verify your identity before we process your request.