Privacy Policy

Last updated: 26/05/2026

This Privacy Policy explains how Factor0x (“Factor0x”, “we”, “us”, “our”) collects, uses, stores and protects personal data when you use our website, platform, forms, investor onboarding, borrower onboarding or related services.

Factor0x is a platform for financing verified B2B invoices. We process personal and business information to verify users, assess invoice financing opportunities, support compliance checks, manage platform access and provide transparency around transactions.

By using our website or platform, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

1.1 Account and contact information

• name;
• email address;
• phone number;
• company name;
• job title;
• country of residence or registration;
• communication preferences.

1.2 Business and borrower information

If you apply for invoice financing, we may collect:

• company registration details;
• trade license or incorporation documents;
• business activity;
• ownership and UBO information;
• director and authorized signatory information;
• invoice details;
• debtor / obligor details;
• contracts, purchase orders, delivery notes, acceptance documents and other supporting files;
• bank account or payment information where required.

1.3 Investor and compliance information

If you apply to participate as an investor, we may collect:

• KYC / KYB information;
• identity verification documents;
• source of funds / source of wealth information;
• wallet addresses;
• blockchain transaction data;
• sanctions, PEP and adverse media screening results;
• investor eligibility information;
• jurisdiction and compliance status.

1.4 Technical information

When you use our website or platform, we may collect:

• IP address;
• device type;
• browser type;
• operating system;
• pages visited;
• session data;
• referral source;
• cookies and similar tracking technologies.

1.5 Blockchain information

If you connect a wallet or interact with smart contracts, we may process:

• public wallet address;
• transaction hashes;
• token transfer data;
• smart contract interaction history;
• on-chain participation records.

Blockchain data may be public and cannot always be deleted or modified by Factor0x.

2. How We Use Your Information

We use personal data to:

• provide and operate the Factor0x website and platform;
• process borrower applications;
• process investor onboarding;
• verify businesses, invoices and counterparties;
• conduct KYC, KYB, AML, sanctions and wallet screening;
• assess risk and eligibility;
• manage platform access;
• support invoice financing transactions;
• track deal status, repayment and reporting;
• communicate with users;
• prevent fraud, misuse and illegal activity;
• comply with legal, regulatory and contractual obligations;
• improve our website, platform and user experience.

3. Legal Basis for Processing

Depending on the applicable law, we may process personal data based on:

• your consent;
• performance of a contract or pre-contractual steps;
• compliance with legal or regulatory obligations;
• legitimate business interests;
• fraud prevention, security and risk management;
• establishment, exercise or defense of legal claims.

Where required, we will request your consent before collecting or using certain categories of personal data.

4. KYC, KYB, AML and Wallet Screening

Because Factor0x operates in a financial, invoice financing and Web3-related environment, we may perform identity, business and wallet-related checks.

These checks may include:

• identity verification;
• company verification;
• beneficial ownership checks;
• sanctions screening;
• PEP screening;
• adverse media checks;
• source of funds / source of wealth review;
• wallet risk scoring;
• blockchain transaction monitoring.

We may use third-party compliance providers to perform these checks.

5. Sharing of Information

We may share information with:

• KYC / KYB providers;
• AML and sanctions screening providers;
• wallet screening providers;
• legal, regulatory and compliance advisors;
• technology, cloud and cybersecurity providers;
• payment, banking, custody, OTC or VASP partners;
• SPVs, financing partners or transaction counterparties where required;
• auditors, professional advisors and service providers;
• regulators, courts, law enforcement or government authorities where legally required.

We do not sell your personal data.

6. Cookies and Analytics

We may use cookies and similar technologies to:

• operate the website;
• remember user preferences;
• improve performance;
• understand website usage;
• support security and fraud prevention.

You may be able to disable cookies through your browser settings. Some website functions may not work properly without cookies.

7. Data Retention

We retain personal data only for as long as necessary for the purposes described in this Privacy Policy, including:

• providing our services;
• maintaining transaction records;
• satisfying legal, regulatory, AML and compliance obligations;
• resolving disputes;
• enforcing agreements;
• preventing fraud and misuse.

Certain KYC, KYB, AML and transaction records may need to be retained for a legally required period.

8. Data Security

We use reasonable technical and organizational measures to protect personal data, including where appropriate:

• access controls;
• encryption;
• secure storage;
• monitoring;
• audit logs;
• role-based permissions;
• secure cloud infrastructure;
• internal data handling procedures.

However, no system is completely secure. Users are responsible for protecting their own wallets, private keys, passwords and devices.

9. International Transfers

Your personal data may be processed in countries other than your country of residence or registration.

Where required, we will use appropriate safeguards for international transfers, such as contractual protections, approved transfer mechanisms or other measures required by applicable data protection laws.

10. Your Rights

Depending on applicable law, you may have rights to:

• access your personal data;
• correct inaccurate data;
• request deletion of data;
• restrict or object to processing;
• withdraw consent;
• request data portability;
• object to certain automated processing;
• file a complaint with a competent data protection authority.

Some rights may be limited where we need to retain data for legal, regulatory, AML, security or transaction record purposes.

11. Blockchain Data

Some data related to wallet addresses, transactions and smart contract interactions may be recorded on public or permissioned blockchain networks.

Blockchain records may be permanent, publicly visible and not controlled solely by Factor0x. We recommend that users avoid connecting wallets that reveal personal information they do not want associated with platform activity.

12. Third-Party Links and Services

Our website or platform may contain links to third-party websites, wallets, exchanges, analytics tools, service providers or partner platforms.

We are not responsible for the privacy practices, security or content of third-party services. Users should review the privacy policies of those third parties before using them.

13. Children

Factor0x is not intended for children or individuals under the legal age required to use financial or investment-related services in their jurisdiction.

We do not knowingly collect personal data from children.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If we make material changes, we may notify users through the website, platform or other appropriate means. The updated version will be effective from the date stated at the top of the policy.