Privacy Policy

Privacy Policy

Effective Date: 13 May 2026

Last Updated: 13 May 2026

1. Overview

Fluide Group SAS (hereinafter "Fluide," "we," "us," or "our") operates the website business.fluidegroup.com and the Fluide Business platform (collectively, the "Service"). Fluide Business is a unified business and financial management platform where organizations manage people, money, operations, records, workflows, reporting, and trust from one connected workspace.

Important: Fluide is a technology platform. Clients retain full ownership and control of their data. We do not claim ownership over any data, records, documents, or content that you or your organization upload, create, process, or manage through Fluide Business.

Your experience in Fluide Business may adapt based on your subscription level, organization type, team size, user roles, permissions, and operating needs. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our Service.

We are committed to protecting privacy and complying with applicable data protection laws, including the laws of the Republic of Cameroon, applicable OHADA-aligned requirements where adopted, and the General Data Protection Regulation (GDPR) where applicable.

2. Definitions

"Client" means any organization, including an SME, startup, NGO, fund, portfolio company, financial institution, cooperative, or other entity, that registers for a Fluide Business account.

"Client Data" means any data, information, records, files, documents, workflow activity, or content that a Client or its users upload, submit, create, process, or store using Fluide Business. This may include organization profiles, user permissions, employee records, payroll records, financial records, stock records, payment records, reports, documents, and operational records.

"User" means any individual, including an employee, administrator, contractor, Virtual Manager, or other authorized person, who is permitted by a Client to access and use the Service on behalf of that Client.

"Personal Data" means any information relating to an identified or identifiable natural person.

"Virtual Manager" means an independent Fluide Certified professional who may be granted permissioned access to a Client workspace when authorized by the Client.

3. Data Ownership

Clients own their Client Data. You retain all rights, title, and interest in and to your Client Data. Fluide does not claim ownership over Client Data.

This Privacy Policy does not grant Fluide any rights to Client Data except as necessary to provide, secure, maintain, support, and improve the Service, comply with legal obligations, and process information as instructed by the Client.

We process Client Data only:

To provide the Service as requested by the Client.

To maintain workspace access, role-based permissions, workflows, reporting, and security.

To comply with legal, regulatory, tax, accounting, or contractual obligations.

To improve security and performance, using aggregated or anonymized data where reasonably possible.

4. Information We Collect

We collect several types of information from and about users of our Service.

4.1 Information You Provide to Us

Account Information: When you create an account, we collect information such as your name, work email address, phone number, password, job title, organization name, country, and city.

Organization Profile Information: We may collect information about your organization type, industry, team size, subscription level, preferred operating mode, business profile, branches, departments, and administrative users.

User Roles and Permissions: We process role assignments, workspace permissions, approval levels, access history, invitations, and permission changes.

Employee and Workforce Data: Clients may upload or create staff records, departments, leave records, attendance records, job roles, contracts, documents, and workforce administration records.

Payroll Information: Clients may process salary cycles, salary amounts, allowances, deductions, payslips, tax identification numbers, statutory records, approvals, payroll reports, and salary-linked workflow activity.

Business and Financial Records: Clients may process income, expenses, invoices, receipts, receivables, payables, budgets, books, accounting records, financial reports, cash flow information, and management reports.

Stock and Operational Records: Clients may process inventory records, suppliers, customers, stock movements, product records, procurement records, operational tasks, and workflow documents.

Payment and Transaction Information: Clients may process payment links, mobile money collections, disbursements, settlement tracking, reconciliation data, transaction references, and related payment workflow information. Payment processing may involve duly licensed payment or financial partners where applicable.

Finance Readiness and Trust Signals: Fluide Business may process verified records, payroll consistency, payment history, workflow activity, reports, and other operational records to help Clients understand readiness for responsible finance opportunities. Fluide does not guarantee access to financing, credit approval, investment, insurance, or any financial outcome.

Reports and Workflow Activity: We process dashboards, approvals, maker-checker activity, tasks, requests, audit logs, reports, document activity, and operational history.

Uploaded Documents: Clients may upload contracts, invoices, staff documents, payroll files, grant documents, compliance files, investor reports, board packs, or other business documents.

Virtual Manager Access Information: If a Client authorizes a Virtual Manager, we process the relevant permission settings, access level, activity logs, submitted work, approvals, and revocation history.

Support Messages and Communications: When you contact us for support, sales, partnerships, investor relations, press, compliance, or other inquiries, we collect your contact information and the content of your message.

Billing Information: If you subscribe to a paid plan, we collect billing and invoice information. Payments may be processed through third-party processors or licensed partners. We do not store full card details.

4.2 Information Collected Automatically

Device and Usage Data: We collect information such as IP address, device type, browser type, operating system, pages visited, referring URLs, time and date of access, session events, feature usage, and error logs.

Security Data: We collect authentication events, login attempts, access logs, audit logs, device information, and other information needed to protect accounts and workspaces.

Cookie and Analytics Data: We use cookies and similar technologies to remember preferences, support secure sessions, store language settings, analyze usage, and improve performance. See our Cookie Policy for more information.

4.3 Information from Third Parties

We may receive information from employers, partners, service providers, authorized integrations, Virtual Managers, financial partners, payment processors, identity or compliance providers, or other third parties when you or your organization authorize that connection or when applicable law permits or requires it.

Where financial, payment, insurance, protection, capital, lending, or investment services are involved, those services may be provided through duly licensed partners where required and subject to applicable laws, verification, affordability, product rules, and partner requirements.

5. How We Use Your Information

We use the information we collect for the following purposes:

We do not sell Personal Data or Client Data to third parties for their own marketing purposes.

6. How We Share Your Information

We share information only in limited circumstances:

6.1 With Authorized Users in Your Workspace

Information may be visible to administrators, team members, or other Authorized Users within your organization workspace based on role-based access, permissions, and your organization's settings.

6.2 With Virtual Managers Authorized by You

If you hire or authorize a Fluide Certified Virtual Manager, you decide what they can access and what they can do. We do not grant Virtual Managers hidden or default access to Client Data. Every action is logged, and access can be revoked by the Client.

6.3 With Service Providers

We engage trusted service providers to help us operate, secure, host, support, analyze, and maintain the Service. These may include cloud infrastructure providers, payment processors, analytics providers, customer support systems, email providers, and security tools. They are required to process data only on our instructions and maintain appropriate safeguards.

6.4 With Licensed Partners Where Applicable

If you request or use financial, payment, insurance, protection, lending, capital, pension, investment, or regulated services through the Fluide ecosystem, information may be shared with duly licensed partners where required and only as needed to support the requested workflow, subject to applicable laws, product rules, eligibility checks, verification, affordability, and partner requirements.

6.5 With Integrations You Authorize

If your workspace connects to APIs, third-party systems, or partner services, we may share information as necessary to operate the authorized integration.

6.6 For Legal Reasons

We may disclose information if required by law, regulation, legal process, court order, governmental request, or to protect the rights, property, security, or safety of Fluide, our clients, users, partners, or others.

6.7 Business Transfers

If Fluide is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction. We will provide notice where required by law.

6.8 Aggregated or De-Identified Information

We may use and share aggregated or de-identified information that does not identify you or your organization for analytics, benchmarking, product improvement, ecosystem insights, or research.

7. International Data Transfers

Fluide Business may use secure cloud infrastructure and service providers in multiple jurisdictions. If information is transferred across borders, we use appropriate safeguards where required by applicable law, including contractual protections and standard data transfer terms where applicable.

8. Data Security

We implement administrative, technical, and organizational safeguards designed to protect information, including:

Encryption of data in transit and at rest where appropriate.

Role-based access controls and permission controls.

Secure authentication and account protection measures.

Audit logging for access and activity.

Monitoring, vulnerability management, and security reviews.

Client-controlled Virtual Manager permissions and revocation.

However, no internet-based service can be guaranteed to be 100% secure. You are responsible for keeping credentials confidential, configuring appropriate workspace permissions, and promptly revoking access when users should no longer access your workspace.

9. Data Retention

We retain Client Data for as long as the relevant account is active or as needed to provide the Service, comply with legal obligations, resolve disputes, enforce agreements, maintain backups, and support audit or accounting requirements.

Upon termination of an account, we will delete or anonymize Client Data within a commercially reasonable period, generally within 90 days, unless longer retention is required by law, contract, backup cycles, dispute resolution, regulatory obligations, or legitimate business needs.

10. Your Rights and Choices

Depending on your location, you may have rights to:

Access Personal Data we hold about you.

Request correction of inaccurate or incomplete data.

Request deletion of Personal Data, subject to legal and contractual obligations.

Restrict or object to certain processing.

Receive your data in a structured, commonly used format.

Withdraw consent where processing relies on consent.

To exercise these rights, contact privacy@fluidegroup.com. We will respond within the time required by applicable law.

For Clients: You control the Personal Data of your employees, workers, contractors, and Authorized Users within your workspace. You are responsible for responding to their data requests where you act as the controller. Fluide will assist as a processor where required.

11. Children's Privacy

The Service is not directed to children under 16. We do not knowingly collect Personal Data from children. If we learn that we have collected Personal Data from a child without appropriate consent, we will delete it promptly.

12. Third-Party Links and Ecosystem Services

The Service may link to or connect with third-party websites, Fluide ecosystem products, licensed partners, or integration providers. This Privacy Policy does not apply to services operated by third parties. Please review their privacy policies before using them.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We may notify you of material changes by posting the updated policy, sending an email, or displaying a notice within the Service. The "Last Updated" date shows when this policy was last revised.

14. Data Protection Officer

You may contact our data protection team at:

Email: dpo@fluidegroup.com

Postal Address: Fluide Group SAS, Douala, Cameroon

15. Complaints

If you believe our processing of Personal Data violates applicable law, you may lodge a complaint with a supervisory authority in your country. We encourage you to contact us first so we can address your concerns directly.

16. Contact Us

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

Email: privacy@fluidegroup.com

Legal inquiries: legal@fluidegroup.com

Support inquiries: support@fluidegroup.com

Postal Address: Fluide Group SAS, Douala, Cameroon

17. Summary of Key Commitments

Fluide Group SAS - Building trust through transparency.