Last Updated: July 4, 2025

At PulseFX, we value your trust and are committed to protecting your personal data. This Privacy Policy outlines how PulseFX Inc. (“PulseFX”, “we”, “our”, or “us”) collects, uses, discloses, and safeguards your personal information when you use our services or visit our website (www.pulsefx.com), including our digital platforms, payment interfaces, and customer portals (collectively, the “Services”).

We adhere to applicable data protection laws, including PIPEDA (Canada), GDPR (EU/UK), and other local regulations as required.

1. Scope

This policy applies to all individuals and businesses who use or interact with PulseFX Services, including website visitors, platform users, financial partners, and business clients. It does not extend to third-party websites or apps you may access via our links.

2. Information We Collect

a) Information You Provide to Us:

• Personal & Contact Data: Name, email, phone, address
  
  
• Business Information: Company name, registration details, beneficial ownership
  
  
• Verification Data: ID documents, proof of address, tax information (e.g., SIN/TIN)
  
  
• Transaction Data: Payment details, recipient info, amounts, currency preferences
  
  
• Communication Data: Emails, messages, feedback, forms
  
  

b) Information Collected Automatically:

• IP address, browser type, access time, referring pages
  
  
• Device identifiers, OS, screen size, language, location (if enabled)
  
  
• Clicks, pages visited, time spent on platform
  
  
• Cookies and similar technologies (see Cookie Policy)
  
  

c) Information from Third Parties:

• Identity and compliance screening providers (KYC/AML)
  
  
• Business partners, payment networks, banks
  
  
• Public records and sanction list databases
  
  

3. How We Use Your Information

We use your information to:

• Provide and maintain our Services
  
  
• Verify your identity and ensure compliance (e.g., anti-fraud, AML, sanctions)
  
  
• Facilitate payments, FX conversions, and account access
  
  
• Offer support, respond to inquiries, and send service updates
  
  
• Personalize your experience and improve platform functionality
  
  
• Send promotional offers, subject to your preferences
  
  
• Conduct analytics, reporting, and risk management
  
  
• Comply with legal obligations and regulatory audits
  
  

4. Legal Basis for Processing

Where applicable (e.g., under GDPR), we process your personal data based on:

• Your consent
  
  
• Contractual necessity (to provide services)
  
  
• Legal obligations (e.g., financial regulations)
  
  
• Our legitimate interests (e.g., fraud prevention, service enhancement)
  
  

5. How We Share Your Information

We only share your information when necessary:

• With Service Providers: For payment processing, verification, support, etc. (e.g., Currencycloud, banking partners)
  
  
• With Regulatory Bodies: As required to meet legal and compliance obligations
  
  
• With Business Partners: When facilitating services on your behalf (e.g., lending)
  
  
• In Business Transfers: In the event of a merger or acquisition
  
  
• To Prevent Fraud or Misuse: With authorities or fraud agencies if misuse is suspected
  
  
• With Your Consent: Where you've authorized a third-party integration or referral
  
  

6. Cookies and Tracking

PulseFX uses cookies and similar technologies to improve your experience, analyze usage, and support marketing efforts. You can manage your cookie preferences through your browser or device settings.

7. Your Rights and Choices

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

• Access, update, or correct your personal data
  
  
• Request deletion or restriction of your data
  
  
• Withdraw consent to processing
  
  
• Object to certain uses of your data
  
  
• Request a copy of your data in a portable format
  
  
• Lodge a complaint with a data protection authority
  
  

To exercise your rights, email us at [insert email address]. We may request verification to confirm your identity.

8. Data Retention

We retain personal data for as long as needed to:

• Deliver our services
  
  
• Meet regulatory and financial obligations
  
  
• Resolve disputes and prevent fraud
  Typically, data is retained for 7 years after the closure of an account or transaction, unless otherwise required by law.
  
  

9. International Transfers

Your information may be stored or processed in jurisdictions outside your country, including the U.S., where data protection laws may differ. We ensure adequate safeguards such as standard contractual clauses are in place for international transfers.

10. Data Security

We implement industry-standard safeguards including encryption, access control, and secure servers to protect your information. However, no method of transmission is 100% secure. We encourage you to use strong passwords and report any suspicious activity to us immediately.

11. Children’s Privacy

Our Services are intended for individuals and businesses over 18 years of age. We do not knowingly collect personal data from children. If we become aware of any such data, we will delete it promptly.

12. Policy Updates

We may update this Privacy Policy from time to time. If significant changes are made, we will notify you via email or platform message. The latest version will always be available at www.pulsefx.com/privacy.

13. Contact Us

If you have questions or concerns about this policy or your data, please contact: info@pulsefx.com

You may also contact your local data protection authority (e.g., Office of the Privacy Commissioner of Canada or ICO UK) if you feel your rights have not been upheld.

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