Privacy Policy

Last updated: May 16, 2026

This Privacy Policy describes how FlowVault collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. This policy outlines our practices for information collection, usage, storage, and protection across our cash flow management and liquidity planning services.

Information We Collect

We collect various types of information to provide and improve our services. When you register with us, we collect personal details such as your name, email address, company information, and contact numbers. We gather usage data when you browse our website and interact with our platform, including pages visited, time spent, and features accessed.

We also collect technical information through cookies and similar tracking technologies, including your IP address, browser type, operating system, and device information. Additionally, we may collect payment information when you subscribe to our premium services, processed securely through trusted payment providers. If you contact us with inquiries, we retain your messages and communications to respond effectively.

How We Use Your Information

We use your personal information to provide, maintain, and improve our cash flow management and liquidity planning services. Your data helps us deliver accurate forecasting, payment cycle management, and financial reserve guidance tailored to your needs in Hong Kong’s financial landscape.

We analyze usage patterns to enhance user experience, optimize platform features, and develop new tools for monitoring daily cash positions and managing inflows and outflows. We may use your email to send service updates, security alerts, and relevant educational content about liquidity planning. We also use your information to comply with legal obligations, prevent fraud, and maintain platform security.

Data Protection and Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our systems use encryption protocols, secure servers, and access controls to safeguard your data. We regularly review and update our security practices to maintain the highest standards of data protection.

Your information is stored on secure servers and is accessible only to authorized personnel who need it to perform their functions. We retain your data only as long as necessary to provide our services and comply with legal requirements. When you request deletion, we securely remove your information unless retention is required by law.

Your Rights and Choices

You have the right to access, correct, update, or delete your personal information. You can manage your account settings to control how we use your data. You may opt out of marketing communications at any time while maintaining your access to essential service notifications.

You have the right to request information about what personal data we hold and how we use it. You can also request data portability, asking us to provide your information in a structured, portable format. If you have concerns about our data handling practices, you may lodge a complaint with relevant data protection authorities in Hong Kong.

Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and understand how you interact with our platform. Essential cookies are necessary for core functionality, while preference cookies remember your settings and choices. Analytics cookies help us measure site performance and user behavior patterns.

You can control cookie settings through your browser preferences. Disabling certain cookies may limit some features of our platform. We do not use cookies for tracking across third-party websites and respect your privacy preferences regarding personalized advertising.

Third-Party Information Sharing

We do not sell your personal information to third parties. We may share limited information with service providers who assist us in delivering our services, such as payment processors, cloud hosting providers, and analytics platforms. These partners are contractually obligated to protect your information and use it only for specified purposes.

We may disclose information when required by law, regulation, or valid legal process. In the event of business merger, acquisition, or asset sale, your information may be transferred as part of that transaction. We will provide notice and seek consent where legally required before such transfers.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes by posting the updated policy on our website with a revised “Last updated” date. Your continued use of our services after such updates constitutes your acceptance of the revised Privacy Policy.