Welcome to FluoPay.com ("FluoPay," "we," "us," or "our"). This document outlines the legal terms and privacy practices governing the use of our website and services. By accessing and using our services, you agree to the terms set forth in this policy.

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1. Legal Disclaimer

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1.1 Technology Provider Only
FluoPay is a technology company and does not provide any regulated financial services. We are not a bank, payment institution, e-money issuer, or financial services provider. Our platform facilitates transactions by partnering with licensed and regulated third-party financial institutions.

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1.2 No Financial Advice
The information provided on our website is for general informational purposes only and should not be construed as financial, legal, or investment advice. Users should seek advice from qualified professionals before making any financial decisions.

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1.3 Third-Party Partnerships
FluoPay collaborates with licensed financial service providers to offer payment and transaction-related services. Any regulated services are performed exclusively by our partners, who comply with applicable laws and regulations in their jurisdictions.

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2. Privacy Policy

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2.1 Information We Collect

We may collect the following categories of information:

• Personal Information: Name, email address, phone number, and other details required for account registration.

• Transaction Data: Payment details, transaction history, and associated metadata.

• Technical Data: IP address, device information, browser type, and cookies.

• Communication Data: Any correspondence you have with us via email, chat, or support channels.

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2.2 How We Use Your Information

We use your data for the following purposes:

• To provide and maintain our services.

• To enhance security and fraud prevention.

• To comply with legal obligations.

• To analyze and improve our platform.

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2.3 Data Sharing and Third Parties

We do not sell or rent your personal information. However, we may share your data with:

• Regulated financial partners for transaction processing.

• Compliance authorities when required by law.

• Third-party service providers that assist us with analytics, customer support, and security measures.

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2.4 Data Security

We implement industry-standard security measures to protect your data. However, no system is entirely secure, and we cannot guarantee absolute security.

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2.5 Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, update, or delete your personal data.

• Object to data processing.

• Request data portability.

To exercise these rights, contact us at support@fluopay.com

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3. Cookie Policy

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3.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help enhance user experience and improve website functionality.

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3.2 How We Use Cookies

We use cookies to:

• Remember user preferences.

• Track website analytics and performance.

• Enhance security and fraud prevention.

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3.3 Types of Cookies We Use

• Essential Cookies: Necessary for core functionality.

• Analytics Cookies: Track website usage to improve services.

• Marketing Cookies: Help deliver relevant advertisements.

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3.4 Managing Cookies

You can control cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of our website.

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4. Changes to This Policy

We may update this policy from time to time. Any significant changes will be communicated via email or a notice on our website.

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5. Contact Information

For any questions about this policy, please contact us at: Email: info@fluopay.com