XFlutter Privacy Policy

1. Information We Collect

We collect various categories of information to provide and improve our Services:

a. Information You Provide Directly

• Identification Information: Name, email address, phone number, date of birth, postal address, or other similar information provided when creating an account or using the Services.
• Financial Information: Bank account details, payment card numbers, or other information required to process money transfers, bill payments, or purchases through XFlutter Shop.
• Transaction Information: History of transfers, purchases, mobile top-ups, or other activities conducted through our Services.
• User Content: Messages sent through our customer support features, comments, or other direct communications.

b. Information Collected Automatically

• Usage Data: Pages visited, features used, time spent on our Services, and other information about your interaction with our platform.
• Technical Data: IP address, browser type, operating system, device identifiers, and other information about the device used to access our Services.
• Location Data: Approximate or precise location information, if you enable geolocation services.
• Cookies and Similar Technologies: We use cookies, web beacons, and other technologies to enhance your experience, analyze performance, and personalize content. See our cookies section below for more details.

c. Information from Third Parties

• Financial Partners: Information provided by banks, payment processors, or other partners to facilitate transactions.
• Authentication Services: If you log in via a third-party account (e.g., Google or Apple), we may collect information such as your name or email address from these services.
• Identity Verification: Data from identity verification services to comply with anti-money laundering or fraud prevention regulations.

2. How We Use Your Information

We use your information to:

• Provide Our Services: Process transactions, manage your account, issue virtual cards, or facilitate mobile top-ups and bill payments.
• Improve User Experience: Personalize content, offer recommendations, and optimize platform features.
• Ensure Security: Detect and prevent fraud, protect your data, and comply with legal requirements.
• Communicate with You: Send notifications about your transactions, updates about our Services, or responses to your support requests.
• Analyze and Develop: Conduct analytics to understand usage trends and improve our Services.
• Marketing: Send promotional offers or information about new features, if you have consented.

3. How We Share Your Information

We do not sell your personal data. However, we may share your information in the following cases:

• Service Providers: With trusted partners who assist us in providing our Services (e.g., payment processors, data hosting, or analytics services), subject to strict confidentiality clauses.
• Financial Partners: With banks or financial institutions to process transactions or comply with regulations.
• Legal Obligations: When required by law, a governmental authority, or to protect our rights, the safety of our users, or the public.
• Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred to another entity, with prior notification if required by law.
• With Your Consent: For any other sharing, we will obtain your prior consent.

4. Security of Your Data

We implement robust technical and organizational measures to protect your data, such as:

• Encryption: Encrypting sensitive data in transit and at rest.
• Access Controls: Restricting data access to authorized employees and partners.
• Monitoring: Proactive threat detection and regular security audits.

However, no system is infallible. If you suspect a security breach, contact us immediately at support@xflutter.com.

5. Data Retention

We retain your data for as long as necessary to:

• Provide the requested Services.
• Comply with legal obligations (e.g., retaining financial records for a period required by law).
• Resolve disputes or protect our rights.

When your data is no longer needed, we securely delete or anonymize it.

6. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you.
• Rectification: Correct inaccurate or incomplete information.
• Deletion: Request the deletion of your data, subject to legal obligations.
• Restriction: Limit the use of your data in certain cases.
• Portability: Receive your data in a structured, transferable format.
• Objection: Object to the processing of your data, particularly for marketing purposes.
• Withdrawal of Consent: Withdraw your consent at any time, if the processing relies on it.

To exercise these rights, contact us at privacy@xflutter.com. We will respond within the timeframes required by law (generally 30 days). Identity verification may be required.

7. Cookies and Similar Technologies

We use cookies and similar technologies to:

• Essential Features: Enable navigation and secure access.
• Performance: Analyze the use of our Services.
• Personalization: Tailor content to your preferences.
• Advertising: Display relevant ads, if applicable.

You can manage your cookie preferences through your browser settings or our cookie banner. Note that blocking certain cookies may affect the functionality of our Services.

8. International Transfers

XFlutter operates globally, which may involve transferring your data to countries other than your own. We ensure that such transfers comply with applicable laws, using mechanisms such as standard contractual clauses or recognized certifications.

9. Minors

Our Services are not intended for individuals under 18 years of age. If we discover that a minor’s data has been collected without parental consent, we will delete it immediately.

10. Changes to This Policy

We may update this policy to reflect changes in our practices or legal requirements. Any changes will be posted on this page with a new "last updated" date. We encourage you to review this page regularly.

11. Contact Us

For any questions or concerns about this policy or your personal data, contact us at:

XFlutter
Email: privacy@xflutter.com
Address: Apartment 1, 4 Oliver Avenue, Holly Court, London, United Kingdom, SE25 6TY

If you are not satisfied with our response, you may contact the data protection authority in your jurisdiction.