Who We Are

Flruftex operates at Rue de Tournai 17, 7700 Mouscron, Belgium. We provide investment education and motivation resources designed to help individuals develop sustainable financial habits. You can reach us at [email protected] or +3243618585 for any privacy-related questions.

For the purposes of data protection law, Flruftex is the data controller responsible for your personal information.

Information We Collect

We collect different types of information depending on how you interact with our website and services. Here's what we typically gather:

We don't collect sensitive personal data like health information, political views, or religious beliefs. And we certainly don't ask for financial account credentials—that's something we'd never need.

How We Use Your Information

We use your data for specific, legitimate purposes. Nothing shady, nothing unexpected. Here's the breakdown:

• Providing our services: To deliver the educational content and programs you've signed up for, answer your questions, and support your learning journey.
• Communication: To send you information about upcoming programs, educational resources, and updates that might interest you. You can opt out anytime.
• Website improvement: To understand how people use our site so we can make it more helpful and easier to navigate.
• Legal compliance: To meet our legal obligations under Belgium and EU law, including maintaining records and responding to lawful requests.
• Security: To protect our website and users from fraud, abuse, or security threats.

Legal Basis for Processing

Under GDPR, we need a lawful reason to process your personal data. Here's what applies to us:

• Consent: When you've explicitly agreed to us using your data for specific purposes, like receiving newsletters.
• Contract performance: When processing is necessary to deliver the services you've requested from us.
• Legitimate interests: When we have a genuine business reason to use your data (like improving our website), and this doesn't override your privacy rights.
• Legal obligation: When we're required by law to process or retain certain information.

Sharing Your Information

We don't sell your data. Period. But we do share information with trusted partners who help us run our business:

Service Providers

We work with companies that provide hosting, email delivery, analytics, and payment processing. These providers only access your data to perform specific tasks on our behalf and are contractually required to keep it secure.

Legal Requirements

We may disclose your information if required by Belgium or EU law, in response to valid legal requests, or to protect our rights and the safety of others.

Business Transfers

If Flruftex is involved in a merger, acquisition, or sale of assets, your data may be transferred. We'll notify you before this happens and explain any changes to how your information is handled.

Data Retention

We keep your information only as long as we need it. Here's how long we typically retain different types of data:

After these periods, we securely delete or anonymize your data. If you request deletion sooner, we'll honor that request unless we have a legal obligation to keep certain records.

Your Privacy Rights

How to Exercise Your Rights

To exercise any of these rights, contact us at [email protected] or call +3243618585. We'll respond within 30 days. We may need to verify your identity before processing certain requests—this protects your data from unauthorized access.

Cookies and Tracking

Our website uses cookies—small text files stored on your device that help us understand how you use our site and improve your experience. We use:

• Essential cookies: Necessary for the website to function properly. These can't be disabled.
• Analytics cookies: Help us understand visitor behavior and improve our content. You can opt out of these.
• Preference cookies: Remember your settings and choices for a better experience.

We don't use advertising cookies or share data with ad networks. You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality.

Data Security

We take reasonable steps to protect your information from unauthorized access, loss, or misuse. This includes:

• Encryption of data during transmission using SSL/TLS technology
• Secure hosting with reputable providers who meet EU data protection standards
• Regular security assessments and updates to our systems
• Limited access to personal data—only employees who need it can access your information
• Secure deletion procedures when data reaches the end of its retention period

No system is completely secure, but we continuously work to keep your data safe. If we ever experience a data breach that affects you, we'll notify you and the appropriate authorities as required by law.

International Data Transfers

Your data is primarily stored and processed within the European Union. If we ever need to transfer data outside the EU (for example, to a service provider in another country), we'll ensure appropriate safeguards are in place, such as:

• Standard contractual clauses approved by the European Commission
• Transfers to countries recognized as providing adequate data protection
• Your explicit consent when required

We're selective about international partners and prioritize EU-based providers whenever possible.

Children's Privacy

Our services aren't designed for anyone under 16 years old. We don't knowingly collect personal data from children. If you're a parent or guardian and believe your child has provided us with information, please contact us immediately so we can delete it.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically to stay informed about how we're protecting your information.