Last Update: October 20th, 2020
- 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”).
If you have any questions regarding the processing of your personal information, you can e-mail us at email@example.com, or reach us by mail at the following address:
10601306 Canada Inc.
203-950 Notre-Dame West,
You can also call us directly: (438) 317-0443
- Key terms
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.
- What do we mean by “personal information”?
Personal information is information that relates to a natural person or allows for the identification of a natural person. Some information may not be personal on its own, but may become personal information if associated with personal information or if the sum of the information allows us to identify you. We include cookies in our definition of personal information.
We include cookies in our definition of personal information, although some laws may not consider cookies as personal information. Cookies are messages that web services pass to your web browser when you navigate the Internet. Your browser stores each of these messages in a small file. Cookies can track you across different websites, and serve different purposes. There are various types of cookies: (1) essential; (2) functional; (3) marketing and (4) analytics. Some stay installed only during your session on a website, others are installed for several months or years.
- What types of personal information does Cashflow.io collect, and why?
We collect personal information to provide you with our Services, for the purpose of obtaining analytics on your use of our Services, or in connection with our marketing activities. This section does not cover the cookies that we use.
|Electronic Data||IP address, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons and language.||This information is collected automatically from Users by our Services to function effectively, to fix bugs, or ensure the security of our Services. We also use this information for analytics purposes to help know more about your use of our Services. These may be collected as part of cookies.|
|Usage Data||Time spent on the Services, pages visited, links clicked, language preferences, pages that led or referred you to the Website.||This information is collected automatically from Users for analytics purposes.|
|Communication Data||Name, email address, phone number, employer or owned company,industry of employer or owned company, revenue of employer or owned company, identification data, publicly available information, emails content.||If Users communicate with us by email, through the “Contact” section of our Website, on social media or by any other means, we collect directly from you the personal information that such Users share with us and the content of their communication. If you communicate with us using social media, we will have access to your publicly available information.|
|Registration Data||First name, last name, title, email address, phone number, title, language preference, username and password.
We also ask the name of the company you own or the company you work for.
|We collect this information directly from Platform Users to create Platform Users’ accounts on our Platform.
We also use your Registration Data to conduct fraud prevention and due diligence, such as to validate your identity. We are required to do this because of applicable laws and to prevent money laundering.We also use your email address to communicate with you about the Platform, such as for updates or maintenance.
|Platform User Content||Notes
Comments on transactions
Feedback on the Platform.
|Platform Users can upload documents, notes and comments on the Platform as part of its management capabilities (such as comments they may attach to a specific transaction). To offer these functionalities, we collect the information that you decide to provide through the Platform.
To improve our Platform, we also collect the comments Platform Users voluntarily submit through the Platform.
|Support Data||Full name
Your company’s name
|As part of the Platform, we offer support to Platform Users and collect from them the personal information included in your inquiries, as well as the personal information required to identify you and help you resolve the issue.|
|Social Media||Publicly available information||If you follow us or interact with us on social media, we may process your personal information for marketing or advertising purposes, subject to applicable laws, including those on consent.|
|If you request a demo on our Website, we ask you to provide us with personal information. You also have the option to include additional information in your request, and we will collect that as well if you choose to do so.|
|Events, tradeshow and training seminars||Business contact information||If we interact with you as part of events or tradeshow, we may collect your business contact information. If you register to our training seminars, we will collect personal information to register you.|
- What cookies do you use and why?
We collect cookies that classify in each of these categories:
|Type of cookie||Description|
|Essential||Essential cookies are necessary to operate the core functions of our Services. These include login cookies, session ID cookies, language cookies as well as security cookies.|
|Functional||Functional cookies are used to provide you with some functionalities, such as a live chat, and to remember preferences, consents and configurations.|
|Analytics||Analytics cookies are used to generate aggregated statistical data about traffic and behavior of Users when using our Services. For instance, we can determine how much time Users spend on a page, and how successful our advertisings are. For instance, the cookie named _ga is used by Google Analytics to gather data about your behavior on our Services.|
- 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.
- To whom do you disclose my personal information to?
Let’s be clear, we do not sell your personal information to data brokers. However, we do share your personal information with certain types of third parties to provide you with the Services, conduct marketing and as required by the law. We can also share your personal information in the context of a merger and acquisition, as part of bankruptcy procedures or for other corporate requirements.
|Service Providers||Service providers are used to provide you with some functionalities that are outsourced to third parties.|
|Marketing Partners||We use marketing partners to (1) serve your relevant ads; (2) analyze our advertising campaigns performance; (3) manage our leads and (4) provide you with marketing content. All of these activities require the processing of your personal information, including through cookies.|
|Financial Aggregators and other Integration Partners||Our Platform can be integrated to many payment processing, accounting, financial planification software such as . If you decide to integrate our Platform with third-party application, this may require the sharing of personal information with these third parties.
|Law enforcement and other authorities||We may receive requests by authorities to access your personal information. We will validate that the request is licit before responding. When possible, we will advise you. We will only share what is strictly required.|
We may share your personal information with our financial and legal advisors or auditors if reasonably required, or in the event we would be required to do so to defend our rights and interests.
In the case of a merger or acquisition, sale of assets, corporate reorganization, bankruptcy filing, insolvency procedures or similar circumstances, your personal information would be considered our assets and property. In these circumstances, ownership of the personal information we collected may be transferred or we may have to share some of your personal information to conclude, negotiate or discuss with third parties. We will only share what we are required to share for these specific purposes.
- 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.
- 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.
- 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.
- 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
- Internet Explorer
- You can also use private/incognito mode with any of the above
- 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 firstname.lastname@example.org. You can also reach out to us by mail at the following address:
10601306 Canada Inc.
709-1010 William street
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:
9:00 am to 4:00 pm EST
Office of the Privacy Commissioner
30 Victoria Street
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 email@example.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.
- Can we change this Policy?