Privacy Policy for Flux Core Advisors
At Flux Core Advisors, we are committed to protecting the privacy and security of your personal data. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our online platform and use our AI-powered investment advisory, automated portfolio management, and robo-advisory services. We operate in compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR) where relevant, and Singapore's Personal Data Protection Act (PDPA).
Information We Collect
We collect various types of information to provide and improve our services to you.
1. Personal Data You Provide Directly To Us:
- Identification and Contact Information: Name, address, email address, phone number, date of birth, nationality, and government-issued identification details (e.g., passport or national ID number) required for regulatory compliance (KYC/AML).
- Financial Information: Income, assets, liabilities, investment goals, risk tolerance, investment experience, existing investment portfolio details, bank account details for funding and withdrawals, and tax-related information.
- Communication Data: Records of your correspondence with us through email, chat, or phone.
- Account Credentials: Username and password used to access our online platform.
2. Information Collected Automatically:
When you visit our site or use our services, we may automatically collect certain information about your device and usage.
- Log Data: IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, access times, and dates.
- Device Information: Unique device identifiers, device type, and mobile network information.
- Cookies and Tracking Technologies: Usage data collected via cookies, web beacons, and similar technologies to enhance your experience, analyze trends, administer our site, track users' movements around our site, and gather demographic information.
How We Use Your Information
We use the information we collect for various purposes, primarily to provide our FinTech services and improve your experience.
- To Provide and Maintain Our Services: This includes enabling AI-driven financial planning, automated portfolio construction, rebalancing, personalized risk assessment, digital financial coaching, and facilitating cryptocurrency and ESG investment guidance.
- To Personalize Your Experience: Tailoring our services and content to your individual financial goals, risk tolerance, and preferences.
- For Account Management: Processing transactions, managing your investment accounts, and communicating with you regarding your accounts and services.
- For Security and Verification: Implementing security measures, verifying your identity, detecting and preventing fraud, ensuring network security, and complying with anti-money laundering (AML) and know-your-customer (KYC) regulations.
- For Communication: Sending you service-related announcements, updates, security alerts, and support messages.
- For Research and Development: Analyzing usage trends to improve our AI algorithms, enhance existing services, and develop new features.
- For Legal and Regulatory Compliance: Fulfilling our legal and regulatory obligations, including tax reporting and responding to lawful requests from public authorities.
- For Marketing and Promotional Purposes: With your consent, sending you information about our new products, services, and offers that may be of interest to you. You can opt out of these communications at any time.
How We Share Your Information
We do not sell your personal data. We may share your information with third parties only in specific circumstances, as described below:
- Service Providers: We engage trusted third-party service providers (e.g., cloud hosting, payment processors, identity verification services, analytics providers) to perform functions on our behalf. These providers are contractually obligated to protect your data and only use it for the purposes for which it was disclosed.
- Affiliates and Group Companies: We may share information with our affiliated entities for internal business purposes, such as providing integrated services.
- Legal and Regulatory Requirements: We may disclose your information to comply with legal obligations, respond to lawful requests from public authorities, enforce our terms of service, or protect our rights, privacy, safety, or property, and that of our users or the public.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal data may be transferred as part of that transaction. We will notify you of any such change of ownership or control of your personal data.
- With Your Consent: We may share your information with other third parties when you give us explicit consent to do so.
International Data Transfers
As a global FinTech company, your information may be stored and processed in any country where we have facilities or where we engage service providers. By using our services, you understand that your information may be transferred to countries outside of your country of residence, which may have different data protection laws than those in your country. We take all necessary steps to ensure that any international transfers of personal data comply with applicable legal requirements, including using standard contractual clauses approved by relevant authorities or relying on other lawful transfer mechanisms.
Data Security
We implement robust technical and organizational security measures to protect your personal data from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, firewalls, and secure access controls. We regularly review our security procedures and update them as necessary to ensure the ongoing protection of your information. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
Your Data Protection Rights
Depending on your location and applicable law, you may have the following rights regarding your personal data:
- Right to Access: You have the right to request copies of your personal data we hold.
- Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
- Right to Erasure (Right to Be Forgotten): In certain circumstances, you have the right to request that we erase your personal data.
- Right to Restrict Processing: In certain circumstances, you have the right to request that we restrict the processing of your personal data.
- Right to Object to Processing: In certain circumstances, you have the right to object to our processing of your personal data.
- Right to Data Portability: In certain circumstances, you have the right to request that we transfer the data that we have collected to another organization, or directly to you.
- Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.
To exercise any of these rights, please contact us using the details provided below. We may ask you to verify your identity before responding to your request.
Third-Party Links
Our online platform may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of any third-party sites you visit.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of any significant changes by posting the new Privacy Policy on our site and updating the "last updated" date. We encourage you to review this Privacy Policy periodically.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
- Flux Core Advisors
- 138 Cecil Street, #14-01,
- Keck Seng Tower,
- Singapore, Singapore, 069538
- Singapore