OwnlyX.

Privacy Policy

Last updated: 28 May 2026

Welcome to OwnlyX ("OwnlyX", "we", "our", or "us"). Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, mobile application, and related services (the "Services").

By using OwnlyX, you agree to the practices described in this Privacy Policy.

1. Who We Are

OwnlyX is a financial technology platform designed to provide users with access to financial tools, payment services, investment-related features, educational content, and AI-powered financial insights.

If you have any questions regarding this Privacy Policy, you can contact us at:

2. Information We Collect

We may collect the following types of information:

A. Information You Provide

When you create an account, contact us, or use our Services, we may collect:

  • Full name
  • Email address
  • Phone number
  • Date of birth
  • Residential address
  • Identification documents
  • Profile information
  • Payment and transaction information
  • Messages or communications sent to us

B. Financial & Open Banking Information

Where applicable and authorised by you, we may access:

  • Bank account information
  • Transaction history
  • Spending insights
  • Account balances
  • Payment data

This data may be obtained through regulated third-party providers and open banking integrations.

C. Automatically Collected Information

We may automatically collect:

  • IP address
  • Device information
  • Browser type
  • Operating system
  • Usage data
  • Cookies and analytics data
  • App interaction data

3. How We Use Your Information

We use your information to:

  • Provide and operate our Services
  • Verify your identity and comply with legal obligations
  • Process transactions and payments
  • Improve user experience and platform performance
  • Provide AI-powered financial insights and recommendations
  • Detect fraud, abuse, or security risks
  • Communicate with you regarding updates or support
  • Comply with regulatory and legal requirements
  • Develop new features and products

4. Legal Basis for Processing (UK GDPR)

We process personal data under one or more of the following legal bases:

  • Your consent
  • Performance of a contract
  • Compliance with legal obligations
  • Legitimate business interests
  • Fraud prevention and security purposes

5. Sharing Your Information

We may share your information with:

  • Banking, payment, and financial infrastructure partners
  • Identity verification providers
  • Open banking providers
  • Cloud hosting and technology providers
  • Regulatory authorities where legally required
  • Professional advisers, auditors, or legal counsel

We do not sell your personal information to third parties.

6. Data Security

We implement technical and organisational security measures designed to protect your data against unauthorised access, loss, misuse, or disclosure.

However, no online platform can guarantee absolute security.

7. Data Retention

We retain personal data only for as long as necessary to:

  • Provide our Services
  • Meet legal and regulatory obligations
  • Resolve disputes
  • Enforce our agreements

Retention periods may vary depending on applicable laws and regulatory requirements.

8. Your Rights

Under applicable data protection laws, you may have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Request deletion of your data
  • Restrict or object to processing
  • Withdraw consent
  • Request transfer of your data
  • Lodge a complaint with a supervisory authority

To exercise any of these rights, contact us at ownlyx8@gmail.com. To request account deletion, see our account deletion page.

9. Cookies & Analytics

We may use cookies and similar technologies to:

  • Improve website functionality
  • Analyse traffic and usage
  • Personalise content
  • Enhance security and performance

You can manage cookie preferences through your browser settings.

10. Third-Party Services

Our Services may contain links or integrations with third-party services. We are not responsible for the privacy practices or content of those third parties.

We encourage you to review their privacy policies separately.

11. International Transfers

Your information may be processed or stored outside of your country of residence. Where required, we implement appropriate safeguards for international data transfers.

12. Children's Privacy

OwnlyX is not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

Continued use of the Services after changes become effective constitutes acceptance of the updated policy.

14. Contact Us

If you have any questions regarding this Privacy Policy or your personal data, please contact:

OwnlyX