Privacy Policy

Effective Date: July 19, 2023
Last Updated: Feb 19, 2026

This Privacy Policy describes how FLUENT FINANCE ABROAD SL (“we”, “us”, or “our”) collects, uses, processes, and protects your personal information when you use our website and any of our subdomains (the “Website”), or when you engage our services.

FLUENT FINANCE ABROAD SL
CIF: B93504918
Registered Office: Avenida Marqués del Duero, 76 3ºC, 29670 Marbella, Málaga, Spain

Sotogrande Office:
c/ Altamira 5, Edif. Ayala, Local 24
Pueblo Nuevo de Guadiaro, Cádiz 11311, Spain

Tel: +34 952 85 36 47
UK Tel: +44 (0) 2033939902
US Tel: 001 2023791946
Email: info@fluentfinanceabroad.com

1. Personal Information We Collect

When you visit the Website, we automatically collect certain information about your device (“Device Information”), including your web browser, IP address, time zone, cookies installed on your device, referring pages, exit pages, and date/time stamps. We also collect information about how you interact with the Website, including pages viewed, content accessed, and search terms used.

We collect Device Information using:

Cookies: Data files placed on your device that often include an anonymous unique identifier.
Log files: Tracking actions on the Website including IP address, browser type, ISP, referring/exit pages, and timestamps.
Web beacons, tags, and pixels: Electronic files used to record browsing behavior and interaction.

You can configure your browser to refuse cookies. Certain Website features may not function properly if cookies are disabled. We do not alter our data collection practices in response to “Do Not Track” signals.

We also collect information you provide directly to us (“Provided Information”) when you:

Request our services
Complete contact forms
Submit financial or application forms
Communicate with us via email or phone
Register for newsletters or marketing updates
Download resources
Participate in surveys

Provided Information may include:

Identification data (name, surname)
Postal and electronic addresses
Telephone numbers
Commercial information
Financial and billing information
Business-related information

When we refer to “Personal Information,” we mean both Device Information and Provided Information.

2. Purpose of Processing

We process your Personal Information for the following purposes:

Administrative, accounting, and fiscal management of requested services
Execution of contracts and provision of services
Processing payments and issuing invoices
Responding to inquiries and communications
Fraud prevention and risk management
Improving and optimizing the Website
Analyzing user behavior and marketing effectiveness
Sending commercial communications where consent has been granted
Managing affiliate tracking where applicable

3. Legal Basis for Processing

We process your data under the following legal bases:

Execution of a contract: To provide requested services
Consent: For sending commercial communications and marketing
Legal obligation: To comply with tax, accounting, and regulatory requirements
Legitimate interest: To improve our services, prevent fraud, and maintain security

4. Data Retention

We retain your Personal Information for as long as the commercial relationship is maintained and thereafter for the period necessary to comply with applicable legal obligations.

We will maintain your Personal Information unless and until you request its deletion, subject to legal retention requirements.

5. Sharing of Personal Information

We may share your Personal Information with trusted third parties strictly for operational purposes, including:

Payment processors (e.g., Stripe or equivalent providers)
Email distribution platforms
CRM systems
Analytics providers (e.g., Google Analytics)
Security and fraud prevention providers
Hosting providers
Affiliate tracking systems
IT service providers

We may also disclose Personal Information when required to comply with legal obligations, court orders, or lawful requests by public authorities.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors solely for support services such as customer service. Text messaging originator opt-in data and consent will not be shared with third parties.

6. International Transfers

Your data may be transferred outside the European Economic Area, including to the United States or other jurisdictions where our service providers operate. Where such transfers occur, we ensure appropriate safeguards are implemented in accordance with applicable data protection regulations.

7. Data Storage and Security

We process and store data using secure service providers, which may include hosting providers, CRM systems, payment processors, and email platforms.

We implement commercially reasonable technical and organizational measures to protect Personal Information against unauthorized access, alteration, disclosure, or destruction. However, no online transmission or storage system can be guaranteed to be completely secure.

8. Email Marketing

If you request services, download resources, or opt into communications, you may receive email communications from us, including newsletters, updates, and promotional content.

You may unsubscribe at any time using the unsubscribe link provided in our emails or by contacting us directly. Withdrawal of consent does not affect the legality of processing carried out prior to withdrawal.

9. Behavioral Advertising

We may use Personal Information to deliver targeted advertising based on your browsing behavior and interactions with our Website.

You may opt out of personalized advertising via relevant platform settings, including Google, Meta, Bing, and other advertising platforms.

10. Your Data Protection Rights

If you are located within the European Union or subject to GDPR, you have the right to:

Access your personal data
Rectify inaccurate data
Request deletion of your data
Request restriction of processing
Object to processing
Request data portability
Withdraw consent at any time

To exercise these rights, contact us at info@fluentfinanceabroad.com and attach a copy of your identification document.

If you believe your rights have been violated, you may file a complaint with the Spanish Data Protection Authority (Agencia Española de Protección de Datos) via www.aepd.es or with your local supervisory authority.

11. Third-Party Websites

Our Website may contain links to third-party websites. We are not responsible for their privacy practices. You are encouraged to review their privacy policies separately.

12. Changes to This Policy

We may update this Privacy Policy to reflect operational, legal, or regulatory changes. Updates become effective immediately upon publication on the Website. The latest revision date will always appear at the top of this document.

13. Contact Us

For any questions regarding this Privacy Policy or to exercise your rights, contact:

FLUENT FINANCE ABROAD SL
Avenida Marqués del Duero 76, 3º C
29670 Marbella, Málaga, Spain

Sotogrande Office
c/ Altamira 5, Edif. Ayala, Local 24
11311 Pueblo Nuevo de Guadiaro, Cádiz, Spain

Tel: +34 952 85 36 47
UK Tel: +44 (0) 2033939902
US Tel: 001 2023791946
Email: info@fluentfinanceabroad.com