Privacy Policy
Last updated June 2026
This policy explains what data Flo Money LLC collects, how we use it, and who we share it with so we can move your money safely and meet our legal obligations. It operates alongside our providers’ policies (Cybrid, Plaid, Persona).
1. Information we collect
Identity & KYC data (name, date of birth, address, phone, email, government ID, verification selfie, and tax ID — via Persona/Cybrid); financial data (linked bank account via Plaid, transfer amounts, recipient details, transaction history); device and usage data (device identifiers, IP, app interactions); and data from Cybrid, Plaid, and Persona (verification results, risk signals, settlement data). We do NOT store full bank/recipient account numbers or raw government-ID/tax-ID data on our own servers — we keep only display-safe details such as last 4 digits, IFSC, and institution name.
2. How we use it
To create and verify your account; comply with KYC/AML and other legal obligations; process, fund, and settle transfers; detect and prevent fraud and manage risk; provide support; send transactional and security notifications; run referral/promotional programs; improve the service; and enforce our Terms. We do not sell your personal information.
3. How we share it
With providers who deliver the service — Cybrid (money movement, KYC, settlement), Plaid (bank linking), Persona (identity), plus infrastructure providers (hosting, analytics, communications). Data processed by Cybrid is also subject to the Cybrid Privacy Policy (cybrid.xyz), incorporated by reference. We also share for legal and compliance reasons (regulators, law enforcement, sanctions/AML) and in a business transfer (merger/acquisition).
4. Data retention
We retain information as long as needed to provide the service and to meet legal, regulatory, tax, and recordkeeping obligations — money-services records are typically kept for at least five years — after which it is deleted or de-identified.
5. Security
We use administrative, technical, and physical safeguards: encryption in transit, access controls, provider tokenization, and no storage of full account/ID numbers or bank login credentials. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
6. Your rights
Depending on your state (e.g., California/CCPA) you may have rights to access, correct, delete, or obtain a copy of your personal information, and to appeal a decision. Contact us to exercise them; we will verify your identity first and will not discriminate against you for doing so. Some data must be retained to meet legal obligations and cannot be deleted on request.
7. Cookies, children, and international use
Our website and app may use cookies and similar technologies for functionality, security, and analytics, which you can control in your device settings. The service is not directed to anyone under 18, and we do not knowingly collect their data. The service is intended for US residents; information is processed in the United States, and recipient information in India is used solely to complete transfers.
8. Contact us
Flo Money LLC (Texas). For privacy questions or to exercise your rights, contact privacy@flomoney.app or in-app support. This policy also operates alongside any Gramm-Leach-Bliley Act (GLBA) privacy notice we provide.
Flo Money LLC · Questions? support@flomoney.app