Your privacy is critically important to us. This Privacy Policy explains how Luxen Finance collects, uses, discloses, and safeguards your personal information.

Luxen Finance, Inc. ("we," "us," or "our") is committed to protecting your privacy and ensuring transparency about how we handle your personal data. This Privacy Policy applies to all users of our trading platform, website, mobile applications, and related services. By using our services, you consent to the data practices described in this policy. We comply with applicable European and French privacy laws, including the General Data Protection Regulation (GDPR) and French Data Protection Act.

We collect several types of information to provide, maintain, and improve our services:

Personal Identification Information:
- Full legal name, date of birth, Tax Identification Number (TIN)
- Government-issued identification documents (driver's license, passport, national ID)
- Residential address, mailing address, email address, phone number
- Employment information, income level, net worth, investment experience
- Photographs for identity verification purposes

Financial Information:
- Bank account information (account numbers, routing numbers, institution names)
- Payment card information (card numbers, expiration dates, CVV codes)
- Trading account balances, transaction history, positions held
- Deposit and withdrawal records
- Tax documentation and withholding information

Technical and Usage Data:
- IP addresses, device identifiers, browser type and version
- Operating system, screen resolution, time zone settings
- Pages visited, features used, time spent on platform
- Clickstream data, search queries, trading patterns
- Cookies, web beacons, and similar tracking technologies

Communications:
- Email correspondence, chat messages, customer support interactions
- Phone call recordings (with your consent as required by law)
- Survey responses, feedback, and user-generated content

Third-Party Information:
- Credit reports and credit scores from consumer reporting agencies
- Identity verification data from third-party verification services
- Public records and databases for compliance screening
- Information from social media platforms (if you connect accounts)

We use collected information for the following purposes:

Account Management and Service Delivery:
- Creating and maintaining your trading account
- Processing deposits, withdrawals, and trading transactions
- Executing trades and managing your investment portfolio
- Providing customer support and responding to inquiries
- Sending account statements, confirmations, and notifications

Legal and Regulatory Compliance:
- Verifying your identity (KYC - Know Your Customer)
- Preventing fraud, money laundering, and terrorist financing (AML)
- Complying with European and French regulatory requirements
- Reporting suspicious activities to authorities as required
- Maintaining records for regulatory examinations and audits
- Responding to legal process, court orders, and government requests

Platform Improvement and Analytics:
- Analyzing usage patterns to improve user experience
- Developing new features and services
- Conducting research and statistical analysis
- Testing platform performance and security

Marketing and Communications:
- Sending promotional emails about new features and services (with opt-out option)
- Providing personalized content and recommendations
- Conducting surveys and soliciting feedback
- Displaying targeted advertisements based on your interests

Security and Risk Management:
- Detecting and preventing unauthorized access and fraud
- Monitoring for suspicious trading activity
- Enforcing our Terms of Service and other policies
- Protecting the rights, property, and safety of our users

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers and Business Partners:
- Payment processors and banking institutions for transaction processing
- Identity verification services for KYC/AML compliance
- Cloud hosting providers for data storage and computing
- Customer support platforms and communication tools
- Analytics providers for usage analysis and reporting
- Marketing and advertising partners (with your consent)

Legal and Regulatory Authorities:
- European and French financial regulatory authorities for compliance
- Financial intelligence units for AML reporting
- Law enforcement agencies pursuant to valid legal process
- Courts and government authorities as required by law
- European securities regulators and self-regulatory organizations

Business Transfers:
- In connection with mergers, acquisitions, or asset sales
- During corporate restructuring or bankruptcy proceedings
- To successor entities following business transitions

Affiliates:
- Our parent company, subsidiaries, and affiliated entities
- For consolidated operations, compliance, and service delivery

With Your Consent:
- When you explicitly authorize us to share information
- When you connect third-party services to your account

We implement industry-leading security measures to protect your information:

Technical Safeguards:
- AES-256 bit encryption for data at rest
- TLS 1.3 encryption for data in transit
- Multi-factor authentication (MFA) for account access
- Secure Socket Layer (SSL) certificates for website security
- Tokenization of sensitive payment information
- Regular security audits and penetration testing

Organizational Safeguards:
- SOC 2 Type II certified operations
- ISO 27001 Information Security Management System
- Employee background checks and security clearances
- Mandatory security awareness training for all personnel
- Access controls limiting data access to authorized employees only
- 24/7 security operations center (SOC) monitoring
- Incident response plan and breach notification procedures

Physical Safeguards:
- Secure data centers with biometric access controls
- Redundant power supply and backup systems
- Fire suppression and environmental monitoring

While we implement robust security measures, no system is completely secure. We cannot guarantee absolute security but commit to promptly notifying affected users and authorities in the event of a data breach, as required by law.

Depending on your jurisdiction, you may have the following rights:

General Data Protection Regulation (GDPR) Rights:
- Right to Access: Request disclosure of personal information we've collected about you
- Right to Erasure: Request deletion of your personal information (subject to legal exceptions)
- Right to Data Portability: Receive your data in a structured, machine-readable format
- Right to Object: Object to certain processing activities
- Right to Rectification: Request correction of inaccurate personal information

General Privacy Rights:
- Access and review your account information
- Update or correct your personal data
- Opt out of marketing communications (while maintaining account notifications)
- Request a copy of your data in portable format
- Restrict or object to certain data processing activities
- Close your account (subject to regulatory record retention requirements)

Exercising Your Rights:
To exercise any privacy rights, contact us at:
Email: privacy@luxenfinance.com
Mailing Address: Privacy Officer, Luxen Finance, Inc., 83 Rue Berbisey, 21000 Dijon, France

We will respond to verified requests within 45 days as required by law. We may request additional information to verify your identity before processing requests.

We use cookies, web beacons, and similar technologies to enhance your experience:

Types of Cookies We Use:
- Essential Cookies: Required for platform functionality, authentication, and security
- Performance Cookies: Collect data about platform usage and performance
- Functional Cookies: Remember your preferences and settings
- Advertising Cookies: Deliver targeted advertisements based on your interests

Managing Cookies:
Most browsers allow you to control cookies through settings. However, disabling essential cookies may limit platform functionality. You can:
- Block all cookies through browser settings
- Delete existing cookies from your device
- Set preferences for third-party cookies
- Opt out of interest-based advertising through industry tools

Third-Party Analytics:
We use Google Analytics, Mixpanel, and similar services to analyze platform usage. These services may collect data across multiple websites and applications. Refer to their privacy policies for details.

We retain your information as long as necessary to fulfill purposes outlined in this policy:

Account Data: Retained while your account is active and for 7 years after closure for regulatory compliance
Transaction Records: Maintained for 7 years as required by European financial recordkeeping rules
Communications: Retained for 3-7 years depending on regulatory requirements
Marketing Data: Retained until you opt out or request deletion
Technical Logs: Generally retained for 90 days unless needed for security investigations

After retention periods expire, we securely delete or anonymize data. Legal obligations may require longer retention in certain circumstances.

Our services are primarily directed to users in France and the European Union. Your information is transferred, stored, and processed in accordance with European data protection standards. We ensure that any international data transfers comply with GDPR requirements through appropriate safeguards and legal mechanisms.

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover we have collected information from a child without proper parental consent, we will promptly delete that information. If you believe we have collected information from a child, please contact us immediately at privacy@luxenfinance.com.

Our platform may contain links to third-party websites, applications, and services not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information. This Privacy Policy applies only to information collected by Luxen Finance.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. Material changes will be communicated through:
- Email notification to registered users
- Prominent notice on our website and platform
- In-app notifications for mobile users

Your continued use of our services after changes take effect constitutes acceptance of the updated policy. We encourage you to review this policy periodically.

If you have questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

Privacy Officer
83 Rue Berbisey, 21000 Dijon, France

Email: privacy@luxenfinance.com
General Support: support@luxenfinance.com

We will respond to all inquiries within 30 days of receipt.

Effective Date: January 15, 2026
Last Updated: January 15, 2026
Version: 1.0

This Privacy Policy is incorporated by reference into our Terms of Service. By using Luxen Finance services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.