Effective Date: July 19, 2023 · Last Updated: February 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
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), and 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, or participate in surveys. Provided Information may include identification data (name, surname), postal and electronic addresses, telephone numbers, commercial information, financial and billing information, and business-related information.
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 optimising the Website; analysing user behavior and marketing effectiveness; sending commercial communications where consent has been granted; and managing affiliate tracking where applicable.
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); and legitimate interest (to improve our services, prevent fraud, and maintain security).
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.
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, and 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.
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.
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 organisational measures to protect Personal Information against unauthorised access, alteration, disclosure, or destruction. However, no online transmission or storage system can be guaranteed to be completely secure.
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.
We may use Personal Information to deliver targeted advertising based on your browsing behavior and interactions with our Website. You may opt out of personalised advertising via relevant platform settings, including Google, Meta, Bing, and other advertising platforms.
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, and 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.
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.
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.
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, or email info@fluentfinanceabroad.com.
