Privacy Policy

Last Updated: February 10, 2026

At Flowcard, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and card services (collectively, the "Services").

1. Information We Collect

We collect information that identifies, relates to, or could reasonably be linked to you ("Personal Data").

• Identity Data: Full name, date of birth, and government-issued identification (for KYC/AML compliance).
• Contact Data: Email address, phone number, and billing/mailing address.
• Financial Data: Bank account details, partial card numbers, and transaction history.
• Technical Data: IP address, device type, browser information, and usage patterns collected via cookies and similar technologies.
• KYC Information: Photos or videos of your ID and "selfie" data for identity verification purposes.

2. How We Use Your Information

We use your data for the following purposes:

• To Provide Services: Managing your account, processing transactions, and issuing Flowcard.
• Compliance: Verifying your identity to comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) laws.
• Security: Detecting and preventing fraud, unauthorized access, and other illegal activities.
• Communication: Sending technical notices, updates, and marketing communications (with your consent).
• Improvement: Analyzing usage trends to improve the Flowcard user experience.

3. Sharing Your Information

We do not sell your personal data.

We share your information only as follows:

• Banking Partners: To provide financial services and card issuance, we share data with our partner financial institutions.
• Service Providers: Third-party vendors who assist with identity verification (KYC), payment processing, data hosting, and customer support.
• Legal Requirements: When required by law, subpoena, or to protect the safety and rights of Flowcard or our users.
• Business Transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business.

4. Data Security

We implement industry-standard security measures, including:

• Encryption: Data is encrypted in transit (TLS) and at rest (AES-256).
• Access Control: Access to sensitive data is restricted to authorized personnel only.
• PCI-DSS Compliance: Our card processing environments adhere to strict Payment Card Industry Data Security Standards.

5. Data Retention

We retain your personal information 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 (often 5–10 years for financial records).

6. Your Privacy Rights

Depending on your location (e.g., GDPR in Europe, CCPA in California), you may have the following rights:

• Access: The right to request a copy of the data we hold about you.
• Correction: The right to fix inaccurate or incomplete data.
• Deletion: The right to request we erase your data (subject to legal retention requirements).
• Opt-out: The right to unsubscribe from marketing emails at any time.

7. Cookies and Tracking

We use cookies to enhance your experience and gather analytics. You can manage your cookie preferences through your browser settings; however, disabling cookies may limit your ability to use some features of the Flowcard platform.

8. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

9. Children’s Privacy

Flowcard is not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

10. Contact Us

If you have any questions or wish to exercise your data rights, please contact our Privacy Team:

• Email: support@velvexpay.com
• Address:

  NORDGATE FINANCIAL INC.

  Incorporated under number 1001036413

  6d – 7398 Yonge St Pmb 889, Thornhill, Ontario, L4J8J2, Canada

  Money Service Business license number C100000791