Privacy Policy

Last Updated: 15th January 2026

Ultraflowix AG ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Data Controller Information

The data controller responsible for your personal data is:

Data We Collect

We collect various types of personal data to provide our retirement finance income structuring services effectively. The data we collect includes:

Personal Information

• Name, email address, phone number, and postal address
• Date of birth and identification information
• Professional information and employment details
• Financial information relevant to retirement planning services

Technical Information

• IP address, browser type, and operating system
• Website usage data and interaction patterns
• Cookie data and tracking preferences
• Device information and screen resolution

How We Use Your Information

We use the personal data we collect to provide, maintain, and improve our retirement planning services. Specifically, how we use your information includes:

• Providing retirement finance income structuring services and consultations
• Communicating with you about our services and your account
• Processing transactions and managing client relationships
• Improving our website functionality and user experience
• Complying with legal obligations and regulatory requirements
• Marketing our services to you (with your consent)
• Preventing fraud and ensuring security of our systems

Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we process your personal data based on the following legal bases:

• Contractual necessity: To perform our services under our agreement with you
• Legitimate interests: For business operations, fraud prevention, and service improvement
• Consent: For marketing communications and optional services
• Legal obligation: To comply with financial regulations and legal requirements

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner.

For detailed information about our use of cookies, please refer to our Cookie Policy.

Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share your information in the following circumstances:

• With professional service providers who assist in delivering our services
• With regulatory authorities when required by law
• With your explicit consent for specific purposes
• To protect our rights, property, or safety, or that of others
• In connection with a business transfer or merger

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we retain client data for seven years after the end of our business relationship, in accordance with German financial regulations. We will securely delete or anonymise your data when it is no longer required.

Your Rights

Under GDPR and applicable data protection laws, you have the following rights regarding your personal data:

• Right of access: Request copies of your personal data
• Right to rectification: Request correction of inaccurate data
• Right to erasure: Request deletion of your data in certain circumstances
• Right to restrict processing: Request limitation of data processing
• Right to data portability: Request transfer of your data
• Right to object: Object to processing based on legitimate interests
• Right to withdraw consent: Withdraw consent for processing based on consent

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

International Data Transfers

As we operate primarily within the European Union, your data is generally processed within the EU. If we transfer data outside the EU, we ensure appropriate safeguards are in place, such as adequacy decisions or standard contractual clauses approved by the European Commission.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us using the following information:

You also have the right to lodge a complaint with the relevant supervisory authority if you believe we have not complied with applicable data protection laws.