Privacy policy.

Effective Date: November 25, 2025

Flote.com is operated by Ovanti US Inc. We provide a responsible, debit-first payment service for adult users in the United States. This Privacy Policy explains how we collect, use, and protect your information when you use Flote.com, the Flote mobile app, and any related services.

By using Flote, you agree to the practices described below.

1. Information We Collect

Information You Provide

We collect the information you choose to share when you create an account or interact with Flote. This includes:
• Name
• Email address
• Phone number
• Date of birth
• Mailing address
• Debit card or bank account details
• Identity verification information (such as a driver’s license or other ID)
• Communications you send to our team

Information Collected Automatically

When you visit our site or use our app, we automatically collect:
• Device information
• Browser type
• IP address
• Usage data, including pages viewed, links clicked, and session activity
• Transaction and checkout activity when you use Flote to make purchases

Information From Third Parties

We may receive information from:
• Merchants who offer Flote at checkout
• Payment partners, banks, and card networks
• Fraud detection and identity verification vendors
• Analytics and advertising partners

2. How We Use Your Information

We use your information to:
• Provide, operate, and improve the Flote service
• Verify your identity and eligibility
• Process transactions and maintain your account
• Detect and prevent fraud or misuse
• Comply with laws and regulatory requirements
• Communicate with you about your account, updates, and support
• Analyze how our service is used
• Personalize and optimize site and app experiences
• Send marketing communications if you choose to receive them

3. How We Share Information

We may share your information with:

Service Providers

Vendors who help us operate our platform. Examples include payment processors, banking partners, cloud hosting providers, analytics tools, and fraud prevention services.

Merchants

We share limited information with merchants when you use Flote at checkout, such as transaction details and status updates.

Corporate Partners

Partners that integrate Flote into their payment systems or technology stacks.

Compliance and Legal

We may share information if required by law, regulation, subpoena, legal process, or to protect our rights and users.

Business Transfers

If Flote or Ovanti US Inc. is involved in a merger, acquisition, financing, reorganization, or sale of assets, your information may be transferred as part of the transaction.

We do not sell your personal information.

4. Cookies and Tracking Technologies

Flote.com uses cookies and similar technologies to:
• Keep you signed in
• Understand site usage
• Improve performance and analytics
• Personalize content
• Support advertising and retargeting

You can manage cookie preferences through your browser settings.

5. Your Rights and Choices

You may:
• Access, update, or correct your account information
• Request deletion of your account and associated data, subject to legal retention requirements
• Opt out of marketing emails at any time
• Disable cookies through your browser
• Request a copy of your personal data

To exercise these rights, contact us at privacy@flote.com.

6. Data Security

We use administrative, technical, and physical safeguards to protect your information. No security system is perfect, but we work to protect your data from unauthorized access, loss, or misuse.

7. Data Retention

We retain your information only as long as needed to operate Flote, comply with legal obligations, resolve disputes, and enforce our agreements.

8. U.S.-Only Service

Flote is designed for adult users located in the United States. If you access Flote from outside the U.S., you do so at your own risk, and your information will be processed in the United States.

9. Children’s Privacy

Flote is not intended for anyone under 18. We do not knowingly collect data from minors. If we learn that we have collected information from a minor, we will delete it promptly.

10. Third-Party Links

Flote.com may contain links to third-party websites or services. We are not responsible for their privacy practices or content. Review their policies before interacting with them.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If changes are significant, we will notify you by email or through the Flote platform. The updated version will always include an effective date at the top of the page.

12. Contact Us

If you have questions or concerns about this Privacy Policy, contact us at:
privacy@flote.com
Ovanti US Inc.
2128 W 32nd Ave, Second Floor
Denver, CO 80211