Privacy Policy

Last updated: 15 March 2026

fluxwarden AS ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, process, and protect your information when you use our credit union services and visit our website.

Data Controller Information

fluxwarden AS is the data controller responsible for your personal data. Our company is registered in Denmark under registration number CVR49256178, with our registered office at Østerbrogade 108, 5047 Odense, Southern Denmark.

Data We Collect

The data we collect includes personal information that you provide directly to us and information automatically collected when you use our services. We collect the following types of personal data:

• Contact information (name, email address, phone number, postal address)
• Company information (business name, registration details, industry type)
• Financial information related to our credit union services
• Communication preferences and service requirements
• Website usage data and analytics information
• Device information and IP addresses
• Cookie data and tracking information

How We Use Your Information

We use the personal data we collect for legitimate business purposes in accordance with applicable data protection laws. Our use of your data includes:

• Providing credit union services and managing your account
• Processing service applications and membership requests
• Communicating with you about our services and responding to inquiries
• Ensuring compliance with regulatory requirements and legal obligations
• Improving our services and website functionality
• Conducting business analysis and market research
• Preventing fraud and ensuring security of our services
• Marketing our services where you have provided consent

Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we process your personal data based on the following legal grounds: contract performance, legitimate interests, legal compliance, and consent where explicitly obtained. We ensure that our processing activities are proportionate and necessary for the stated purposes.

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner. For detailed information about our use of cookies, please refer to our Cookie Policy.

Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share your information with trusted service providers, regulatory authorities when required by law, and business partners for legitimate purposes. All data sharing is conducted in accordance with applicable data protection laws and contractual obligations.

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods vary depending on the type of data and applicable regulatory requirements. We regularly review our data retention practices to ensure compliance with current regulations.

Your Rights

Under GDPR and applicable data protection laws, you have the following rights regarding your personal data:

• Right of access to your personal data
• Right to rectification of inaccurate or incomplete data
• Right to erasure ("right to be forgotten") in certain circumstances
• Right to restrict processing of your data
• Right to data portability
• Right to object to processing based on legitimate interests
• Right to withdraw consent where processing is based on consent
• Right to lodge a complaint with a supervisory authority

International Data Transfers

When we transfer your personal data outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as adequacy decisions, Standard Contractual Clauses, or other legally recognised mechanisms to protect your data.

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. Our security measures include encryption, access controls, regular security assessments, and staff training on data protection principles.

Children's Privacy

Our services are not directed to individuals under the age of 16, and we do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child without appropriate consent, we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. We will notify you of any material changes through our website or by direct communication. The updated policy will be effective from the date of publication.

Contact Us

If you have any questions about this Privacy Policy, wish to exercise your rights, or need to contact us regarding data protection matters, please reach out to us using the following contact information:

Supervisory Authority

If you believe that our processing of your personal data violates data protection laws, you have the right to lodge a complaint with the Danish Data Protection Agency (Datatilsynet) or your local supervisory authority.

This Privacy Policy is governed by Danish law and EU data protection regulations. For the most current version of this policy, please visit our website at fluxwarden.pro.