01Introduction
Welcome to FloStocks. We are committed to protecting your personal data and your privacy. This policy explains how we collect, use, and safeguard your information when you use our mobile application, website, and services.
02Information We Collect
To provide high-quality trading insights and account management, we collect:
- Personal Identifiers: CNIC/UIN, date of birth, name, email address, phone number, place of birth, nominee details, mother's maiden name, occupation.
- Financial Information: Bank account details, trading history (if linked to our platform), bank statements, salary slips, tax returns, and proof of income uploaded during account opening.
- KYC/Compliance: FATCA/CRS declarations, PEP status, tax numbers.
- Technical Data: IP address, device type, unique device identifiers, and operating system.
- Biometric Data: Fingerprint/Face ID enrollment status and timestamps (stored on device only).
- Push Notification Tokens: Device tokens for sending price and portfolio alerts.
- Usage Data: How you interact with our trading guides, which insights you view, and your preference settings.
- Professional Info: (If applicable) Your trading experience level and financial goals.
03Detailed Use of Your Information
We use your data to power the FloStocks ecosystem in the following ways:
- Algorithmic Insights & Personalization: We analyze your reading habits within our Guides and your simulated or actual trading patterns to suggest educational content that matches your skill level. If you are a beginner, our system prioritizes Foundational Trading content over Advanced Derivatives to prevent information overload.
- Predictive Analytics: We process aggregated, de-identified market data and user sentiment to generate Trading Insights. This helps us identify market trends which we then share as generalized guides. We do not use your specific private trades to signal other users without your explicit consent.
- Regulatory Compliance (KYC/AML): To prevent money laundering and identity theft, we may use your personal identifiers to verify your identity against global watchlists as required by financial authorities.
- Behavioral Monitoring: We track how long you spend on specific charts or guides to improve our UI/UX and ensure our most valuable insights are easily accessible.
04Data Sharing and Third-Party Integrations
FloStocks interacts with:
- Brokerage API Partners: If you choose to link your trading account (e.g., via Plaid or direct API), we receive read-only or trade-execution tokens. We never see or store your raw brokerage login credentials.
- Market Data Providers: We share anonymized traffic data with our liquidity and data partners to ensure the price feeds in our app remain accurate and low-latency.
- Advertising & Attribution: We use identifiers like IDFA (Apple) or AAID (Google) to understand which marketing campaigns led you to FloStocks. You can opt out at any time via your device's Limit Ad Tracking settings.
- Data Sharing Partners: We share data with the following partners:
- NCCPL (National Clearing Company of Pakistan): full KYC data required for trading account opening
- AWS S3: uploaded identity and financial documents
- Firebase (Google): push notification delivery
- Capital Stake: market data queries (no personal data)
- Google: authentication via Google Sign-In
05Data Retention and Deletion
How long we keep your information depends on its nature:
- Active Accounts: We retain your profile and trading insights data for as long as your account is active.
- Closed Accounts: If you close your FloStocks account, we generally delete your personal identifiers within 30 days. However, we are legally required to retain certain transaction logs and KYC data for up to 5 to 7 years to comply with financial record-keeping laws.
- Educational Data: Data regarding which Guides you have completed is kept in an anonymized, aggregated format to help us improve our curriculum.
- Data Deletion: You can delete your account from within the FloStocks app under Account → Manage Account → Delete Account. Upon confirmation, the account is deactivated immediately and all personal data is permanently anonymized within 30 days via an automated process. How to delete your account
06Automated Decision-Making Disclosure
As a modern trading application, FloStocks uses AI-driven models.
- Our Promise: While our AI provides Insights and Suggestions, the final Buy or Sell decision always rests with you. Our AI does not execute trades on your behalf without a specific, user-triggered Auto-Trade configuration (if available in your region).
- Logic Involved: Our models use historical price action, RSI indicators, and volume analysis to categorize market conditions.
07Contact Us
If you have any questions about this policy or your personal data, contact us:
- Email: info@floretcapitals.com
- Phone: +92 311 100 0183