Privacy Policy
This Privacy Policy describes the personal-information practices of Fluxion d.o.o. for Cash Advance & Money – Wrenzy, including its Reno Calculator home-renovation budget calculator and separate optional online financing inquiry. Liberty Bank is the independent lender and separately handles information it receives for credit review and banking activities. Privacy email: [email protected].
1. Controller, Contact and Lending Bank
- Controller of information processed by the App Fluxion d.o.o.
- Registered address Ulica prvoborcev 25 1000, Ljubljana, OSREDNJESLOVENSKA Slovenia
- D-U-N-S 765142292
- Website https://fluxiondoo.com/
- Privacy email [email protected].
- Independent lender Liberty Bank, Middletown, Connecticut.
Official regulatory profiles: FDIC Certificate 17943: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/17943; FFIEC RSSD 587800: https://www.ffiec.gov/npw/Institution/Profile/587800. Official bank website: https://www.liberty-bank.com/. Liberty Bank independently controls personal information it receives for its credit and banking activities.
2. Information Submitted in an Inquiry
Reno Calculator: the user enters expected costs for a home DIY renovation and chooses an experience level. The selected level affects the automatically calculated contingency allowance: the beginner setting provides a larger reserve for unexpected costs and mistakes than the experienced setting. Reno Calculator combines the entered costs and the allowance to display the final renovation budget estimate. These renovation-planning inputs are separate from an application for credit. Reno Calculator inputs and estimates are stored only on the user's device. Financing inquiry: when the user separately requests a loan, the online form handles the requested amount and the information submitted in that form. Liberty Bank independently processes an authorized financing inquiry under its own privacy notices. Ordinary App support does not request online-banking passwords, one-time authentication codes or payment-card security information.
3. Technical, Device and Website Information
The App and linked website process technical connection and service information necessary to provide the online form, such as IP addresses, device or app characteristics and website security signals. AppsFlyer handles app-install attribution data and OneSignal handles notification-related device or subscription data. Online-form sessions are processed by the receiving website. Additional provider details appear in Sections 8 and 11.
4. Why Information Is Processed
Reno Calculator uses the renovation costs and experience level entered in the calculator to calculate the contingency allowance and final home-renovation budget estimate. This planning function is separate from submitting a financing inquiry to Liberty Bank. Reno Calculator inputs and estimates are stored only on the user's device. Fluxion d.o.o. operates the App's optional financing-inquiry interface, responds to support and privacy requests, maintains service security, measures app installations and campaign performance through AppsFlyer, and supports optional notifications through OneSignal. Liberty Bank independently processes information referred to it for credit assessment and banking activities. Using Reno Calculator alone does not authorize submission of a financing inquiry.
5. Disclosure to Liberty Bank
Reno Calculator is a home-renovation planning feature and its calculations do not themselves constitute or submit a financing request. When the user separately authorizes submission of a completed online financing inquiry, the information supplied in that form is referred to Liberty Bank. Liberty Bank independently determines whether to make any credit offer and applies its own privacy disclosures to information under its control. Fluxion d.o.o. does not make lending decisions.
6. Short Financing Referral Disclosure
Financing referral disclosure:
Fluxion d.o.o. operates Cash Advance & Money – Wrenzy at Ulica prvoborcev 25 1000, Ljubljana, OSREDNJESLOVENSKA Slovenia. The App provides Reno Calculator, a home DIY renovation-budget calculator, and a separate optional financing inquiry. Reno Calculator calculates a renovation cost estimate from project expenses and an experience-level selection, including a contingency buffer for unexpected costs and errors. Using Reno Calculator alone does not authorize or submit a credit request. For financing, the user enters the requested amount and other required information into a separate online form. When the user authorizes submission, the completed inquiry is referred to Liberty Bank for its independent credit review. Liberty Bank alone decides whether to offer a loan and determines any APR, fees, repayment schedule, loan agreement, approval and funding. Submitting an inquiry does not guarantee approval or funding and does not require accepting a loan offer. Consent to submit financing information is separate from permissions for unrelated promotional communications and ATT-regulated advertising tracking. For privacy assistance about the App, contact [email protected].
7. Authorization and Separate Permissions
Using Reno Calculator's calculator and choosing an experience setting do not authorize the submission of financing information. Sending a completed financing inquiry is a separate voluntary step. Permission for unrelated marketing and ATT-regulated advertising tracking is also distinct from financing submission. Optional iOS tracking and notification controls can be managed through device settings. Information about technical processing is described in Section 3.
8. AppsFlyer Attribution and Measurement
The App uses AppsFlyer for installation attribution, campaign performance and app analytics. AppsFlyer processes technical attribution and analytics information in connection with those services. Full provider information: AppsFlyer — Processing Customer Data: https://www.appsflyer.com/legal/processing-customer-data/.
9. Apple App Tracking Transparency
Advertising tracking that requires Apple's App Tracking Transparency authorization is subject to that permission. Users can manage ATT choices in iOS Settings > Privacy & Security > Tracking. Authorization to submit an inquiry is separate from advertising-tracking permission.
10. Web Services and Security
Opening the linked online financing form involves website and network connection processing, including the information necessary to load the form and protect it from misuse. These technical services do not make credit decisions. The information entered in the form is used for the separate financing inquiry.
11. OneSignal Push Notifications
The App uses OneSignal for optional push notifications. OneSignal processes push tokens, subscription or device identifiers, permission status and notification-delivery information. Users can decline or disable push notifications in iOS Settings. Provider information: OneSignal Privacy Policy: https://onesignal.com/privacy_policy.
12. Financial Data and Marketing
Information provided for financing is handled to process the requested inquiry and authorized referral. Attribution and notification services have separate technical purposes and do not act as lenders. Submission of an inquiry does not automatically authorize unrelated marketing messages. For the technical data categories used by the App, see Section 3.
13. International Processing and Transfers
Fluxion d.o.o. is based in Slovenia, within the European Union, and offers the App to eligible U.S. users. The financing inquiry can involve a transfer of information to Liberty Bank in the United States. Transfers of personal data protected under the EU GDPR are governed by its applicable requirements, including Chapter V concerning third-country transfers. Relevant legal sources are Regulation (EU) 2016/679 and Slovenian ZVOP-2. Liberty Bank handles information it receives under its own banking privacy requirements.
14. Retention and Data Removal
Reno Calculator inputs and estimates are stored only on the user's device. Reno Calculator data can be edited or deleted in the App, or removed by deleting the App. Fluxion d.o.o. does not hold these device-only renovation-planning records and cannot access or delete them remotely. Separately, information under Fluxion d.o.o.'s control for the financing-inquiry service, technical operations or support is retained for applicable service purposes and legal obligations, with erasure or anonymization as required. Requests concerning those operator-held records can be sent to [email protected]. Liberty Bank independently retains lending records under its applicable requirements; deleting the App does not delete records held separately by the bank.
15. Privacy Rights in the United States
Applicable U.S. state and federal law may provide rights of access, correction, deletion and certain choices regarding disclosure and advertising. For operator-controlled data, contact [email protected]. The relevant lending institution separately answers requests about records it holds.
16. GDPR Rights and Slovenian Supervisory Authority
For processing covered by the GDPR, applicable rights include access, rectification, erasure, restriction, objection and portability, as well as withdrawal of consent where consent is the legal basis. Requests may be sent to [email protected]. The Slovenian Information Commissioner supervises data protection within its jurisdiction.
17. Security and Protection of Children
The introductory loan-request service is intended for adults aged at least 18 and is not directed to children. Technical safeguards protect App and online services, although no electronic system eliminates every risk. Users should not send passwords or authentication codes to ordinary support contacts.
18. Policy Changes and Contact
Changes to this Privacy Policy are published through the App's legal resources. Questions and requests involving information under Fluxion d.o.o.'s control can be sent to [email protected]. Requests about data held independently by Liberty Bank should be directed to the bank using its official privacy channels.