Privacy & Policy

PRIVACY POLICY

Hybrid Finance

(A trademark of Hybrid International Group Ltd)

Last updated: 26/07/2026

1. INTRODUCTION AND DATA CONTROLLER

This Privacy Policy describes how Hybrid International Group Ltd collects, uses, retains, and protects the personal data of Users, in compliance with Regulation (EU) 2016/679 (GDPR) and other applicable data protection laws.

By using the website, landing pages, funnels, or by providing personal data (e.g., filling in forms, booking calls, accessing services), the User declares to have read this Policy.

The Data Controller is:

Hybrid International Group Ltd

Registered Office: Suite 3, 115 London Road, Morden, SM4 5HP, England (Company Number 14892072)

Administrative Office: Praça Marquês de Pombal 14, 1250-162 Lisbon, Portugal

Email: info@hybridfinanceinternational.com

A Data Protection Officer (DPO) has not currently been appointed.

2. TYPES OF DATA PROCESSED

2.1 Data provided directly by the User

- first and last name;

- email address;

- phone number;

- any information provided in forms, surveys, or during calls, including trading experience, services previously used, objectives, financial availability, and contact preferences;

- any content voluntarily provided by the User for publication (e.g., testimonials, interviews, feedback), where the User chooses to share it.

2.2 Browsing and usage data

- IP address;

- browser and device type;

- pages visited, time spent, and interactions;

- data collected via tracking tools (e.g., Meta Pixel, Google Analytics, Google Ads), as described in the Cookie Policy.

2.3 Data from third parties

Data may also be acquired through external platforms used to operate the Service (e.g., CRM systems, call booking systems, advertising platforms), in compliance with the applicable legal bases.

2.4 Payment data

Payments for subscription services are processed primarily by external payment providers (Stripe and, where the instalment option is selected, Klarna), which act as autonomous data controllers for the payment data they process, under their own privacy policies. Where the User pays by bank transfer, Hybrid processes the data shown on the transfer (such as the account holder's name and IBAN) solely for accounting and contract management purposes. Hybrid does not store full payment card details.

3. PURPOSES AND LEGAL BASES OF PROCESSING

Personal data is processed for the following purposes:

a) Managing requests and contacts

- responding to information requests;

- organizing introductory or commercial calls;

- providing support.

Legal basis: performance of pre-contractual measures taken at the User's request.

b) Service delivery and contract management

- managing access to platforms, communities, educational channels, and Hybrid services;

- managing the customer relationship, renewals, cancellations, and refund requests (including the 14-day money-back right set out in the Terms and Conditions).

Legal basis: performance of a contract.

c) Marketing activities and commercial communications

- sending communications via email, SMS, WhatsApp, and phone;

- sending informational and promotional content and offers;

- remarketing and personalized advertising activities.

Legal basis: the User's consent (expressed, for example, through the consent checkbox in the contact forms) and/or legitimate interest, within the limits permitted by applicable law.

d) Publication of testimonials and feedback

- publishing testimonials, interviews, or feedback voluntarily provided by clients on Hybrid's channels, including promotional and informational materials.

Legal basis: the User's consent, expressed through the voluntary provision or sharing of such content in the awareness that it may be published on Hybrid's channels. Such content reflects individual, non-typical experiences. The person concerned may request the removal of their content at any time by contacting Hybrid at the official contacts, and Hybrid will proceed with removal from its own channels within a reasonable time.

e) Analysis and improvement

- analysis of aggregated data to improve services, content, and marketing performance.

Legal basis: legitimate interest.

f) Legal compliance and protection of rights

- handling disputes, complaints, and litigation;

- preventing fraud and abuse;

- complying with legal, tax, and accounting obligations;

- protecting the Controller's rights.

Legal basis: legal obligations and legitimate interest.

4. METHODS OF PROCESSING

Data is processed using electronic and digital tools, adopting appropriate technical and organizational measures to ensure security, integrity, and confidentiality. Access to data is limited to authorized personnel and designated parties. Commercial calls are not recorded.

5. PROVISION OF DATA

Providing the data marked as required is necessary to access services and receive the requested information. Failure to provide such data may prevent the management of the request or the delivery of services.

Providing consent for marketing purposes is optional; however, where the contact form serves to request information and be recontacted, the relevant consent may be requested as part of the submission process.

6. DATA RECIPIENTS AND TRANSFERS OUTSIDE THE EEA

6.1 Recipients

Data may be communicated to:

- authorized internal personnel;

- collaborators, consultants, and the operational team;

- technical service providers acting as processors (CRM and funnel platforms, hosting providers, email and messaging providers, analytics and advertising platforms, payment providers — without prejudice to the autonomous controller role of the payment providers referred to in Section 2.4);

- competent authorities, when required by law.

Data is not sold to third parties.

6.2 Transfers outside the EEA

Data may be transferred to countries outside the European Economic Area (for example, through platforms such as Meta, Google, or CRM providers established in the United States, and in connection with the Controller's registered office in the United Kingdom). Such transfers take place in compliance with Chapter V of the GDPR through:

- adequacy decisions of the European Commission (including, where applicable, for the United Kingdom);

- Standard Contractual Clauses (SCCs);

- other safeguards provided by law.

7. DATA RETENTION PERIOD

Personal data is retained for the time necessary for the purposes for which it was collected and, in particular:

- contact and marketing data: until withdrawal of consent or a deletion request;

- service-related data: for the entire duration of the contractual relationship and subsequently for the period required by legal, tax, and accounting obligations;

- data and documentation relevant for legal purposes: for the time necessary to establish, exercise, or defend the Controller's rights.

At the end of the applicable retention period, data is deleted or anonymized.

8. RIGHTS OF THE DATA SUBJECT

The User may exercise the following rights at any time:

- access to their data;

- rectification of inaccurate data;

- erasure (within the limits provided by law);

- restriction of processing;

- objection to processing based on legitimate interest;

- data portability;

- withdrawal of any consent given, without affecting the lawfulness of processing carried out before withdrawal.

Requests may be sent to: info@hybridfinanceinternational.com. The Controller will respond within the terms provided by the GDPR.

The User also has the right to lodge a complaint with the competent supervisory authority of their country of residence (for example, the Garante per la Protezione dei Dati Personali in Italy or the Comissão Nacional de Proteção de Dados in Portugal).

9. COMMUNICATIONS AND MARKETING

The User may at any time:

- withdraw consent to email communications via the unsubscribe link included in each message;

- request the cessation of communications via WhatsApp, SMS, or phone by contacting Hybrid directly at the official contacts.

Withdrawal does not affect the lawfulness of previous processing, nor the sending of service communications necessary for the management of the contractual relationship.

10. MINORS

Hybrid services are intended exclusively for adult users (18+). Should data of minors be collected, it will be deleted as soon as possible. The User declares to be of legal age and is responsible for the truthfulness of the data provided.

11. COOKIES AND SIMILAR TECHNOLOGIES

The site uses cookies and tracking tools for technical functioning, analysis, and marketing purposes. For more information, please refer to the dedicated Cookie Policy.

12. DATA SECURITY

Hybrid adopts appropriate technical and organizational measures to protect personal data against unauthorized access, loss, or disclosure. However, no system can guarantee absolute security: the User acknowledges the risks inherent in the use of the Internet.

13. CHANGES TO THIS PRIVACY POLICY

Hybrid may update this Privacy Policy at any time. Changes will be published on the site with a new update date. The User is encouraged to review this page periodically.

14. CONTACT

For any question regarding this Privacy Policy or the processing of personal data:

Email: info@hybridfinanceinternational.com

Hybrid International Group Ltd

Registered Office: Suite 3, 115 London Road, Morden, SM4 5HP, England (Company Number 14892072)

Administrative Office: Praça Marquês de Pombal 14, 1250-162 Lisbon, Portugal

Last updated: 26/07/2026