Updated: April 19, 2024
Privacy Policy
This Privacy Policy (the “Policy”) contains information about how 10601306 Canada Inc. dba Cashflow.io (referred to as “Cashflow”, “we”, or “us”) collects, uses and discloses your personal information when you are:
using our public website https://cashflow.io (the “Website”);
using our cash flow and transactions management platform named Cashflow, which is available as a web application at https://terminal.cashflow.io/, and the associated services (the “Platform”); and
exchanging with us by e-mails, or social media or otherwise.
(collectively, the “Services”).
This Privacy Policy also covers our use of cookies and other tracking technologies (together, the “cookies”). For the purpose of this Policy, we consider that your cookies are personal information, regardless of applicable laws. The definition of what constitutes personal information is subject to the laws applicable in your jurisdiction, and this Policy shall be interpreted in accordance with applicable laws.
If you have any questions regarding the processing of your personal information, you can e-mail us at privacy@cashflow.io, or reach us by mail at the following address:
Privacy Officer
10601306 Canada Inc.
203-950 Notre-Dame West,
Montréal, Québec
H3C 0K3
CANADA
You can also call us directly: (438) 317-0443
1
Key terms
In the Privacy Policy, the term “Platform User” refers to end users who are authorized to use our Platform by our customers with whom we have an agreement.
By comparison, the term “Website User” refers to someone who is navigating our website, or is interacting with us by e-mails, social media or otherwise.
The term “User” or “you” refers instinctively to a Platform User or a Website User. A User can be both a Platform User and a Website User.
1
Key terms
In the Privacy Policy, the term “Platform User” refers to end users who are authorized to use our Platform by our customers with whom we have an agreement.
By comparison, the term “Website User” refers to someone who is navigating our website, or is interacting with us by e-mails, social media or otherwise.
The term “User” or “you” refers instinctively to a Platform User or a Website User. A User can be both a Platform User and a Website User.
2
What do we mean by “personal information”?
In the Privacy Policy, the term “Platform User” refers to end users who are authorized to use our Platform by our customers with whom we have an agreement.
By comparison, the term “Website User” refers to someone who is navigating our website, or is interacting with us by e-mails, social media or otherwise.
The term “User” or “you” refers instinctively to a Platform User or a Website User. A User can be both a Platform User and a Website User.
2
What do we mean by “personal information”?
In the Privacy Policy, the term “Platform User” refers to end users who are authorized to use our Platform by our customers with whom we have an agreement.
By comparison, the term “Website User” refers to someone who is navigating our website, or is interacting with us by e-mails, social media or otherwise.
The term “User” or “you” refers instinctively to a Platform User or a Website User. A User can be both a Platform User and a Website User.
3
What types of personal information does Cashflow.io collect, and why?
Cashflow.io collects a range of personal information to provide and enhance their services, analyze user behavior, and support their marketing efforts. Here's how the data is categorized and the purposes for which it's used:
Electronic Data: Includes IP addresses, device types, operating systems, browser types, screen resolutions, and other technical details. This data is automatically collected to ensure the services function correctly, to fix technical issues, enhance security, and gather analytics to understand user interactions.
Usage Data: This encompasses the time you spend on the services, pages visited, links clicked, and language preferences. It's gathered to analyze user behavior and improve the overall service experience.
Communication Data: When you communicate with Cashflow.io via email, social media, or other channels, they collect your name, email address, phone number, and any other information you provide. This allows them to respond to inquiries and access any publicly available information you may share.
Registration Data: This includes your first and last name, title, email address, phone number, language preferences, and your company's name. Collected directly from you when you create an account, this data helps in user identification, fraud prevention, and regulatory compliance. It's also used for communicating platform-related updates or maintenance.
Platform User Content: When you upload documents, notes, messages, or comments within the platform, this content is collected to enable various functionalities like transaction management. Cashflow.io also uses this data to enhance their platform based on the feedback provided by users.
Support Data: Includes full name, email addresses, company name, and details provided in support inquiries. This data is essential for offering support and resolving any issues users may encounter while using the platform.
Social Media Data: If you interact with Cashflow.io on social media, they may process your publicly available information for marketing or advertising purposes, always adhering to relevant consent laws.
Demo Inquiries: When you request a demo, your name and email address are required. You may also provide additional information to tailor the demo to your needs.
Events, Tradeshow, and Training Data: During events, tradeshows, or training seminars, they collect business contact information to facilitate interaction and registration processes.
Each category of data serves specific functions that are crucial for operating the platform, enhancing user experience, complying with legal requirements, and engaging in effective communication and marketing strategies.
3
What types of personal information does Cashflow.io collect, and why?
Cashflow.io collects a range of personal information to provide and enhance their services, analyze user behavior, and support their marketing efforts. Here's how the data is categorized and the purposes for which it's used:
Electronic Data: Includes IP addresses, device types, operating systems, browser types, screen resolutions, and other technical details. This data is automatically collected to ensure the services function correctly, to fix technical issues, enhance security, and gather analytics to understand user interactions.
Usage Data: This encompasses the time you spend on the services, pages visited, links clicked, and language preferences. It's gathered to analyze user behavior and improve the overall service experience.
Communication Data: When you communicate with Cashflow.io via email, social media, or other channels, they collect your name, email address, phone number, and any other information you provide. This allows them to respond to inquiries and access any publicly available information you may share.
Registration Data: This includes your first and last name, title, email address, phone number, language preferences, and your company's name. Collected directly from you when you create an account, this data helps in user identification, fraud prevention, and regulatory compliance. It's also used for communicating platform-related updates or maintenance.
Platform User Content: When you upload documents, notes, messages, or comments within the platform, this content is collected to enable various functionalities like transaction management. Cashflow.io also uses this data to enhance their platform based on the feedback provided by users.
Support Data: Includes full name, email addresses, company name, and details provided in support inquiries. This data is essential for offering support and resolving any issues users may encounter while using the platform.
Social Media Data: If you interact with Cashflow.io on social media, they may process your publicly available information for marketing or advertising purposes, always adhering to relevant consent laws.
Demo Inquiries: When you request a demo, your name and email address are required. You may also provide additional information to tailor the demo to your needs.
Events, Tradeshow, and Training Data: During events, tradeshows, or training seminars, they collect business contact information to facilitate interaction and registration processes.
Each category of data serves specific functions that are crucial for operating the platform, enhancing user experience, complying with legal requirements, and engaging in effective communication and marketing strategies.
4
What cookies do you use and why?
Cashflow.io uses different types of cookies on their website to ensure the functionality, security, and performance of their services, as well as to enhance user experience and conduct marketing activities. Here's a breakdown of the types of cookies they use and their purposes:
Essential Cookies: These are crucial for the basic functioning of the website. They include cookies necessary for users to log in, maintain their session on the website, set language preferences, and ensure site security. Without these cookies, key aspects of the website wouldn't operate properly.
Functional Cookies: These cookies provide additional functionalities and enhance the user experience on the website. They are used for features like live chat support and to remember user settings, preferences, and consents. Functional cookies make the website more responsive and tailored to individual user needs.
Analytics Cookies: These are used to gather aggregated statistical data on user behavior, which helps in analyzing the performance of the website. For example, analytics cookies track how long users spend on specific pages, which parts of the site they visit most frequently, and how effective advertising campaigns are. A common analytics cookie is _ga, used by Google Analytics to monitor user interactions on the website, helping to improve the overall user experience and performance of the services.
By using these cookies, Cashflow.io aims to provide a seamless, efficient, and personalized user experience, while also identifying any issues or areas for improvement in their services.
4
What cookies do you use and why?
Cashflow.io uses different types of cookies on their website to ensure the functionality, security, and performance of their services, as well as to enhance user experience and conduct marketing activities. Here's a breakdown of the types of cookies they use and their purposes:
Essential Cookies: These are crucial for the basic functioning of the website. They include cookies necessary for users to log in, maintain their session on the website, set language preferences, and ensure site security. Without these cookies, key aspects of the website wouldn't operate properly.
Functional Cookies: These cookies provide additional functionalities and enhance the user experience on the website. They are used for features like live chat support and to remember user settings, preferences, and consents. Functional cookies make the website more responsive and tailored to individual user needs.
Analytics Cookies: These are used to gather aggregated statistical data on user behavior, which helps in analyzing the performance of the website. For example, analytics cookies track how long users spend on specific pages, which parts of the site they visit most frequently, and how effective advertising campaigns are. A common analytics cookie is _ga, used by Google Analytics to monitor user interactions on the website, helping to improve the overall user experience and performance of the services.
By using these cookies, Cashflow.io aims to provide a seamless, efficient, and personalized user experience, while also identifying any issues or areas for improvement in their services.
5
Do you use Google Analytics?
Yes we do. Google Analytics is Google’s analytical tool that helps us to understand how Users engage with our Services. It uses a set of cookies to collect information and report site usage statistics without allowing us to identify individual visitors.
5
Do you use Google Analytics?
Yes we do. Google Analytics is Google’s analytical tool that helps us to understand how Users engage with our Services. It uses a set of cookies to collect information and report site usage statistics without allowing us to identify individual visitors.
6
To whom do you disclose my personal information to?
Cashflow.io discloses your personal information to several types of third parties under specific circumstances while ensuring they do not sell your data to data brokers. Here’s a summary of the entities they share information with and why:
Service Providers: These include companies that offer functionalities that Cashflow.io outsources. For instance, some operational tasks like customer support might be handled by external providers to enhance efficiency.
IT Service Providers: Essential for hosting and maintaining the services, IT service providers like DigitalOcean are employed to ensure the reliability and performance of the platform.
Marketing Partners: These partners help Cashflow.io with various marketing efforts, such as serving targeted ads, analyzing advertising campaign performance, managing leads, and distributing marketing content. These activities involve processing your personal information, often utilizing cookies to track user interactions.
Financial Aggregators and Integration Partners: If you choose to integrate Cashflow.io’s platform with third-party applications like payment processors or financial planning software, it may necessitate sharing your personal information with these partners. Note that these partners operate under their own agreements and privacy policies, which you are encouraged to review.
Law Enforcement and Authorities: On occasion, authorities may request access to your personal information. Cashflow.io verifies the legality of these requests before compliance and will inform you when possible, sharing only the information that is strictly necessary.
Financial and Legal Advisors: In situations requiring financial or legal consultation, or where Cashflow.io needs to defend its rights and interests, your information may be shared with advisors or auditors.
Corporate Transactions: In the event of mergers, acquisitions, reorganizations, bankruptcy, or insolvency procedures, your personal information may be transferred or shared as part of the negotiation or transaction process.
In each case, Cashflow.io commits to sharing your information responsibly, prioritizing your privacy and adhering to applicable laws and regulations to protect your personal data.
6
To whom do you disclose my personal information to?
Cashflow.io discloses your personal information to several types of third parties under specific circumstances while ensuring they do not sell your data to data brokers. Here’s a summary of the entities they share information with and why:
Service Providers: These include companies that offer functionalities that Cashflow.io outsources. For instance, some operational tasks like customer support might be handled by external providers to enhance efficiency.
IT Service Providers: Essential for hosting and maintaining the services, IT service providers like DigitalOcean are employed to ensure the reliability and performance of the platform.
Marketing Partners: These partners help Cashflow.io with various marketing efforts, such as serving targeted ads, analyzing advertising campaign performance, managing leads, and distributing marketing content. These activities involve processing your personal information, often utilizing cookies to track user interactions.
Financial Aggregators and Integration Partners: If you choose to integrate Cashflow.io’s platform with third-party applications like payment processors or financial planning software, it may necessitate sharing your personal information with these partners. Note that these partners operate under their own agreements and privacy policies, which you are encouraged to review.
Law Enforcement and Authorities: On occasion, authorities may request access to your personal information. Cashflow.io verifies the legality of these requests before compliance and will inform you when possible, sharing only the information that is strictly necessary.
Financial and Legal Advisors: In situations requiring financial or legal consultation, or where Cashflow.io needs to defend its rights and interests, your information may be shared with advisors or auditors.
Corporate Transactions: In the event of mergers, acquisitions, reorganizations, bankruptcy, or insolvency procedures, your personal information may be transferred or shared as part of the negotiation or transaction process.
In each case, Cashflow.io commits to sharing your information responsibly, prioritizing your privacy and adhering to applicable laws and regulations to protect your personal data.
7
Where do you store my personal information?
We use Digital Ocean to host our Services and store your personal information. The servers are located in Canada. However, our suppliers and third parties may process your personal information internationally, including in the United States. Some countries may not offer the same level of protection than in Canada for personal information.
7
Where do you store my personal information?
We use Digital Ocean to host our Services and store your personal information. The servers are located in Canada. However, our suppliers and third parties may process your personal information internationally, including in the United States. Some countries may not offer the same level of protection than in Canada for personal information.
8
How long do you retain my personal information?
We retain personal information for as long as necessary to provide you with the Services, to perform our marketing campaigns effectively or as required by applicable laws, whichever is longer. We use both persistent and session cookies. Session cookies are deleted once you close your browser, whereas persistent cookies remain active on your device for some time. For instance, Google Analytics cookies remain installed on your device for 2 years. This allows Google Analytics to track you for analytic purposes, as well as for marketing purposes, and to provide us with aggregated data on your behavior.
8
How long do you retain my personal information?
We retain personal information for as long as necessary to provide you with the Services, to perform our marketing campaigns effectively or as required by applicable laws, whichever is longer. We use both persistent and session cookies. Session cookies are deleted once you close your browser, whereas persistent cookies remain active on your device for some time. For instance, Google Analytics cookies remain installed on your device for 2 years. This allows Google Analytics to track you for analytic purposes, as well as for marketing purposes, and to provide us with aggregated data on your behavior.
9
How do you keep my personal information secure?
We strive to implement physical, administrative and technological security features that are proportional to the risks, taking into consideration factors such as the sensitivity of the personal information that we collect.
However, it is important to understand that we cannot guarantee the security of personal information on the Internet, and that you must also take precautions, such as not sharing your credentials with anyone.
9
How do you keep my personal information secure?
We strive to implement physical, administrative and technological security features that are proportional to the risks, taking into consideration factors such as the sensitivity of the personal information that we collect.
However, it is important to understand that we cannot guarantee the security of personal information on the Internet, and that you must also take precautions, such as not sharing your credentials with anyone.
10
Can I manage my Cookie preferences?
You can always manage your cookie preferences. However, some functionalities may require cookies in order to perform as expected, or for security purposes. You can control your cookie preferences through your browser. Depending on the browser that you are using, different instructions are applicable. Click on your browser for more information:
Google Chrome
Firefox
Safari
Internet Explorer
Opera
You can also use private/incognito mode with any of the above
10
Can I manage my Cookie preferences?
You can always manage your cookie preferences. However, some functionalities may require cookies in order to perform as expected, or for security purposes. You can control your cookie preferences through your browser. Depending on the browser that you are using, different instructions are applicable. Click on your browser for more information:
Google Chrome
Firefox
Safari
Internet Explorer
Opera
You can also use private/incognito mode with any of the above
11
Do I have any rights over my personal information
Yes! These rights vary depending on where you are located.
You generally have the right to access your personal information and to correct your personal information if inaccurate, in certain circumstances.
If you want to exercise your rights, you can contact us at privacy@cashflow.io. You can also reach out to us by mail at the following address:
Privacy Officer
10601306 Canada Inc.
709-1010 William street
Montréal, Québec
H3C 0K8
CANADA
We will respond to your request within 30 days. If we can’t comply with your request, we will tell you why.
If you are located in Canada, note that the Office of the Privacy Commissioner of Canada drafted this FAQ to help you access your personal information when it is held by a business. You can also contact the Office of the Privacy Commissioner of Canada’s Information Center:
Telephone
9:00 am to 4:00 pm EST
Toll-free: 1-800-282-1376
Mailing address
Office of the Privacy Commissioner
30 Victoria Street
Gatineau, Québec
K1A 1H3
CANADA
You can also use this online form.
If you have any issue with how we collect, use or disclose your personal information, or how we responded to your request, please let us know at privacy@cashflow.com. We will do our best to improve our processes to make certain that it does not happen again. We will also provide you with additional information about our practices if you would like us to do so.
If you are still not satisfied, you can lodge a complaint to the Office of the Privacy Commissioner of Canada using this online form, or to your local privacy regulators.
11
Do I have any rights over my personal information
Yes! These rights vary depending on where you are located.
You generally have the right to access your personal information and to correct your personal information if inaccurate, in certain circumstances.
If you want to exercise your rights, you can contact us at privacy@cashflow.io. You can also reach out to us by mail at the following address:
Privacy Officer
10601306 Canada Inc.
709-1010 William street
Montréal, Québec
H3C 0K8
CANADA
We will respond to your request within 30 days. If we can’t comply with your request, we will tell you why.
If you are located in Canada, note that the Office of the Privacy Commissioner of Canada drafted this FAQ to help you access your personal information when it is held by a business. You can also contact the Office of the Privacy Commissioner of Canada’s Information Center:
Telephone
9:00 am to 4:00 pm EST
Toll-free: 1-800-282-1376
Mailing address
Office of the Privacy Commissioner
30 Victoria Street
Gatineau, Québec
K1A 1H3
CANADA
You can also use this online form.
If you have any issue with how we collect, use or disclose your personal information, or how we responded to your request, please let us know at privacy@cashflow.com. We will do our best to improve our processes to make certain that it does not happen again. We will also provide you with additional information about our practices if you would like us to do so.
If you are still not satisfied, you can lodge a complaint to the Office of the Privacy Commissioner of Canada using this online form, or to your local privacy regulators.
12
Can we change this Policy?
We may need to modify this Privacy Policy to reflect new processing activities, adapt to new laws and regulations or reflect technological changes or corporate changes, such as a result of a merger and acquisition. We may also change this Privacy Policy at our sole discretion. In case of material changes, we will send an email to Platform Users. You can view the date of the latest update at the top of this page, and you can always reach out to us at privacy@cashflow.io, should you have any questions. Your continued use of the Services is deemed an acceptance of this Privacy Policy.
12
Can we change this Policy?
We may need to modify this Privacy Policy to reflect new processing activities, adapt to new laws and regulations or reflect technological changes or corporate changes, such as a result of a merger and acquisition. We may also change this Privacy Policy at our sole discretion. In case of material changes, we will send an email to Platform Users. You can view the date of the latest update at the top of this page, and you can always reach out to us at privacy@cashflow.io, should you have any questions. Your continued use of the Services is deemed an acceptance of this Privacy Policy.
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