Privacy Policy

Introduction

Atomic-FX Limited (the “Company”) collects, retains, and processes information about you to facilitate the normal conduct of its business.

In accordance with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018 (DPA), effective from 25th May 2018, you have certain rights relating to your personal data. This document outlines the types of data we hold, the reasons for collecting it, and the purposes for which it is used.

The Company collects and uses personal data to:

• Operate the business efficiently and manage our relationship with you lawfully and appropriately
• Process account onboarding and maintain accurate client records
• Comply with regulatory and statutory obligations
• Fulfil contractual commitments with clients
• Meet legal requirements and obligations

Your personal information will be handled securely and only for legitimate business purposes while you are a client, during the account onboarding process, and after the relationship with the Company has ended, where necessary to meet legal or regulatory requirements.

Lawful Basis for Collecting and Processing Client Data

Atomic-FX Limited collects and processes client data on the following lawful bases:

• Contractual obligations – to fulfil agreements with clients
• Legal and regulatory obligations – to comply with statutory requirements
• Legitimate interests – to manage risk, prevent fraud, protect legal rights, and ensure efficient business operations
• Consent – where applicable, for specific communications or services

As a foreign exchange and payment services provider, the Company may process personal data to pursue legitimate business interests, including:

• Fraud prevention and detection
• Administrative purposes and service management
• Reporting potential criminal activity
• Protecting the Company’s legal position in the event of disputes or legal proceedings

Types of Information Collected

The data held by Atomic FX may include, but is not limited to:

• Account application forms and supporting documents
• Correspondence with or about you (e.g., emails)
• Information required to execute payments
• Contact and account user details
• Transaction records
• Compliance monitoring data
• Audit trails, including login information
• Records of complaints or disputes
• Telephone activity records, which may be shared with strategic business partners who are regulated financial institutions and GDPR-compliant

Much of this information is provided directly by clients. Some data may be obtained from third-party sources, such as identity verification services or public records.

Consequences of Non-Disclosure

If a client does not provide the necessary data, Atomic FX may be unable, in certain circumstances, to:

• Comply with regulatory and legal obligations
• Execute transactions or provide requested services

Clients will be informed of any implications resulting from withholding data.

Record Keeping

• Most records are maintained in electronic format
• Some records are retained in paper form or other retrievable media as required for operational or regulatory purposes
• Clients may be referenced in documents and records created during the course of business operations

When and How Atomic FX Shares Personal Data & Locations of Processing

Atomic-FX Limited will only share personal data with third parties when it is legally permitted and necessary to provide our services.

When personal data is shared, the Company ensures that:

• Contractual agreements are in place with all third parties
• Security measures are implemented to protect data
• Compliance with our internal data protection, confidentiality, and security standards is maintained

Retention of Data

Atomic FX retains client data for a minimum of five (5) years in accordance with regulatory and legal obligations.

Use of Third Parties

In delivering our foreign exchange and payment services, Atomic FX may engage third-party service providers, including:

• Banks
• Currency providers
• Other regulated financial institutions

Some of these third parties may be located outside your country of residence, including in international jurisdictions, in order to facilitate the efficient execution of transactions and delivery of our services.

All international transfers of data are conducted in compliance with applicable data protection laws, including GDPR, ensuring the security and confidentiality of client information

Sharing Personal Data with Associates and Third Parties

Atomic-FX Limited may transfer personal data to other associated firms within the Atomic FX group where necessary for administrative purposes or to provide professional services to clients.

We may also share personal data with third-party service providers that support the delivery, management, and operation of our services and infrastructure. These may include:

• Providers of information technology and cloud-based software
• Identity verification and KYC service providers
• Website hosting and management services
• Data analysis, storage, back-up, and security services

The servers and cloud infrastructure supporting these services are located in secure data centres within Europe, and personal data may be stored within these systems.

Additionally, personal data may be shared with third-party organisations that assist Atomic FX in providing goods, services, or information necessary for business operations and service delivery.

All third-party access to personal data is subject to strict contractual obligations and security measures to ensure compliance with GDPR, confidentiality, and our internal data protection standards.

Disclosure to Auditors, Professional Advisers, and Regulatory Authorities

Atomic FX may disclose personal data to:

• Auditors and professional advisers for compliance, audit, or advisory purposes
• Law enforcement, government, and regulatory agencies, where required by applicable law or regulation

Occasionally, third parties with lawful authority may request access to personal data to:

• Verify compliance with legal or regulatory obligations
• Investigate suspected criminal activity
• Establish, exercise, or defend legal rights

Such requests are only fulfilled if permitted under applicable law or regulation.

Consent and Marketing Communications

Where personal data is processed based on your explicit consent (e.g., for marketing purposes), you have the right to withdraw consent at any time.

Please note:

• Certain data may need to be retained to comply with legal or regulatory obligations
• Opting out of marketing communications does not affect the processing of data required for legal, regulatory, or contractual purposes

Disclosure and Retention of Personal Data

Except as outlined in this Policy, Atomic-FX Limited will only disclose personal data to third parties when:

• Legally required to do so, or
• Necessary to fulfil our contractual obligations to you

Data Retention

Your personal data will be retained:

• Following your last transaction with Atomic FX, or
• Upon termination of your contract with the Company

Retention periods will comply with legal obligations and will be consistent with the purpose for which the data was originally collected.

Future Use of Personal Data

If Atomic FX intends to process your personal data for any purpose other than that for which it was originally collected, you will be provided with:

• Information regarding the new purpose of processing
• Any other relevant information necessary to ensure transparency and compliance with data protection laws.

YOUR RiGHTS

Under the General Data Protection Regulation (GDPR) and the Data Protection Act 2018 (DPA), you have several rights regarding your personal data. These include the right to access the information we hold about you, request corrections to inaccuracies, request erasure, restrict or object to processing, and, in certain circumstances, exercise data portability. Where processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of prior processing. If you believe Atomic FX has not complied with GDPR or DPA requirements, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO).

Identity and Contact Details of Data Controller and Data Protection Officer

Atomic-FX Limited is the data controller and processor for the purposes of the Data Protection Act 2018 (DPA) and the General Data Protection Regulation (GDPR). If you have any questions or concerns regarding the processing of your personal data, you may contact our Data Protection Officer, Scott Morrow, via email at info@atomic-fx.com or by writing to our registered office at 9 Union Court, Liverpool, England, L2 4SJ, United Kingdom.

Changes to this Privacy Statement

Atomic FX recognizes that transparency is an ongoing responsibility. This Privacy Statement is therefore reviewed regularly and may be updated from time to time to reflect changes in our practices, legal requirements, or services.

Data Controller and Contact Information:
The data controller is Atomic-FX Limited, registered at 9 Union Court, Liverpool, England, L2 4SJ, United Kingdom.
For any questions about this Privacy Statement or how and why we process personal data, please contact us at info@atomic-fx.com

Safeguarding of Client Funds

When funds are deposited into your Atomic FX account, they are safeguarded in accordance with regulatory requirements. Our regulated payment and e-money partners ensure that your funds are held securely at reputable banks or protected by insurance policies. This safeguarding means that your funds remain protected in the unlikely event of insolvency of either our partners or Atomic FX.

Funds are safeguarded until they are paid out from your account to your beneficiary’s account. If you require a detailed breakdown of the safeguarded amounts held with each of our payment or e-money partners at any specific time, please contact us, and we will provide the necessary information.