Privacy & Cookies Policy

Type of website: Blog and Shop
Effective date: 1st day of February, 2025

www.CashFlowCents.com (the “Site”) is owned and operated by Lavella Owens – who is the data controller and can be contacted at:

privacy@cashflowcents.com
(619) 880-0569
1050 University Ave, Ste E107 #842, San Diego, CA 92103

Purpose
The purpose of this privacy & cookies policy (this “Privacy & Cookies Policy”) is to inform users of our Site of the following:

  1. The personal data we will collect;
  2. Use of collected data;
  3. Who has access to the data collected;
  4. The rights of Site users; and
  5. The Site’s privacy & cookies policy.

This Privacy & Cookies Policy applies in addition to the terms and conditions of our Site.

Consent
By using our Site, users agree that they consent to:

  1. The conditions set out in this Privacy & Cookies Policy.

Comments
When visitors leave comments on the Site, we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookie Policy
A cookie is a small file, stored on a user’s hard drive by a website. Its purpose is to collect data relating to the user’s browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

We use the following types of cookies on our Site:

  1. Functional Cookies
    Functional cookies are used to remember the selections you make on our Site, so that your selections are saved for your next visits;
  2. Analytical Cookies
    Analytical cookies allow us to improve the design and functionality of our Site by collecting data on how you access our Site – for example, data on the content you access, how long you stay on our Site, etc.;
  3. Targeting Cookies
    Targeting cookies collect data on how you use the Site and your preferences. This allows us to personalize the information you see on our Site for you; and
  4. Third-Party Cookies
    Third-party cookies are created by a website other than ours. We may use third-party cookies to achieve the following purposes:
    • Monitor user preferences to tailor content, products, services, advertisements, etc. around their interests.

Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Where Your Data is Sent
Visitor comments may be checked through an automated spam detection service.

Our Shop (Products)
We collect information about you during the checkout process on our store.

What We Collect and Store
While you visit our site, we’ll track:

  1. Products You’ve Viewed: We’ll use this to, for example, show you products you’ve recently viewed;
  2. Location, IP Address and Browser Type: We’ll use this for purposes like estimating taxes and shipping;
  3. Shipping Address: We’ll ask you to enter this so we can, for instance, estimate shipping before you place an order, and send you the order!

We’ll also use cookies to keep track of cart contents while you’re browsing our site.

When you purchase from us, we’ll ask you to provide information including your name, billing address, shipping address, email address, phone number, credit card/payment details and optional account information like username and password. We’ll use this information for purposes, such as, to:

  1. Send you information about your account and order;
  2. Respond to your requests, including refunds and complaints;
  3. Process payments and prevent fraud;
  4. Set up your account for our store;
  5. Comply with any legal obligations we have, such as calculating taxes;
  6. Improve our store offerings;
  7. Send you marketing messages, if you choose to receive them.

If you create an account, we will store your name, address, email and phone number, which will be used to populate the checkout for future orders.

We generally store information about you for as long as we need the information for the purposes for which we collect and use it, and we are not legally required to continue to keep it. For example, we will store order information for XXX years for tax and accounting purposes. This includes your name, email address and billing and shipping addresses.

We will also store comments or reviews, if you choose to leave them.

Who on Our Team has Access
Members of our team have access to the information you provide us. For example, both Administrators and Shop Managers can access:

  1. Order information like what was purchased, when it was purchased and where it should be sent;
  2. Customer information like your name, email address, and billing and shipping information.

Our team members have access to this information to help fulfill orders, process refunds and support you

What we share with others
We share information with third parties who help us provide our orders and store services to you; for example —

Payments
We accept payments through PayPal, Stripe, QuickBooks Payments, and/or other third-party payment processors. When processing payments, some of your data will be passed to PayPal, including information required to process or support the payment, such as the purchase total and billing information.

Please see the Third-Party Payment Processors Privacy Policy for more details.

Use of YITH Plugins
Our website utilizes various YITH Plugins to enhance functionality, improve user experience, and provide valuable services to our visitors. These plugins may include tools for e-commerce, customer interaction, or site optimization. As part of their functionality, YITH Plugins may collect and process certain data, such as:

  1. User preferences and settings;
  2. Information provided during transactions or account creation;
  3. Technical data, such as browser type, operating system, and website usage patterns.

We ensure that all data collected through these plugins is handled in compliance with our Privacy and Cookies Policy and applicable data protection laws. Additionally, we only use YITH Plugins that align with our commitment to maintaining the privacy and security of your information.

For more details about how specific YITH Plugins may collect and use data, please refer to the respective plugin’s privacy policy. Should you have any questions about our use of YITH Plugins or how they may affect your data, feel free to contact our privacy officer at:

Lavella Owens
privacy@cashflowcents.com
(619) 880-0569
1050 University Ave, Ste E107 #842, San Diego, CA 92103

Akismet
We collect information about visitors who comment on Sites that use our Akismet Anti-spam service. The information we collect depends on how the User sets up Akismet for the Site, but typically includes the commenter’s IP address, user agent, referrer, and Site URL (along with other information directly provided by the commenter such as their name, username, email address, and the comment itself).

GDPR
For users in the European Union, we adhere to the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, known as the General Data Protection Regulation (the “GDPR”). For users in the United Kingdom, we adhere to the GDPR as enshrined in the Data Protection Act 2018.

We have not appointed a Data Protection Officer as we do not fall within the categories of controllers and processors required to appoint a Data Protection Officer under Article 37 of the GDPR.

Legal Basis for Processing
We collect and process personal data about users in the EU only when we have a legal basis for doing so under Article 6 of the GDPR.

We rely on the following legal basis to collect and process the personal data of users in the EU:

  1. Processing of user personal data is necessary to a task carried out in the public interest or in the exercise of our official authority.

Personal Data We Collect
We only collect data that helps us achieve the purpose set out in this Privacy & Cookies Policy. We will not collect any additional data beyond the data listed below without notifying you first.

Data Collected Automatically
When you visit and use our Site, we may automatically collect and store the following information:

  1. IP address;
  2. Location;
  3. Clicked links; and
  4. Content viewed.

Data Collected in a Non-Automatic Way
We may also collect the following data when you perform certain functions on our Site:

  1. First and last name;
  2. Age;
  3. Date of birth;
  4. Sex;
  5. Email address;
  6. Phone number;
  7. Address;
  8. Payment information; and
  9. Auto fill data.

This data may be collected using the following methods:

  1. Creating an account;
  2. Filling out an email signup form;
  3. Participating in polls, etc.

How We Use Personal Data
Data collected on our Site will only be used for the purposes specified in this Privacy & Cookies Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy & Cookies Policy.

The data we collect automatically is used for the following purposes:

  1. Statistics – Improving the information we provide for the benefit of users.

The data we collect when the user performs certain functions may be used for the following purposes:

  1. Communication – Improving the information and products we provide to visitors.

Who We Share Personal Data With
Employees and/or Independent Contractors
We may disclose user data to any member of, or contractor for, our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy & Cookies Policy.

If you request a password reset, your IP address will be included in the reset email.

Other Disclosures
We will not sell or share your data with other third parties, except in the following cases:

  1. If the law requires it;
  2. If it is required for any legal proceeding;
  3. To prove or protect our legal rights; and
  4. To buyers or potential buyers of this company in the event that we seek to sell the company.

If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.

How Long We Store Personal Data
User data will be stored until the purpose the data was collected for has been achieved.

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

How We Protect Your Personal Data
In order to protect your security, we use the strongest available browser encryption and store all of our data on servers in secure facilities. All data is only accessible to our employees and/or independent contractors. Our internal and/or external teams are bound by strict confidentiality agreements and a breach of this agreement would result in the employee’s or contractor’s termination.

While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.

What Rights You Have Over Your Data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Under the GDPR (for users in the European Union), you have the following rights:

  1. Right to be informed;
  2. Right of access;
  3. Right to rectification;
  4. Right to erasure;
  5. Right to restrict processing;
  6. Right to data portability; and
  7. Right to object.

Children
We do not knowingly collect or use personal data from children under 16 years of age. If we learn that we have collected personal data from a child under 16 years of age, the personal data will be deleted as soon as possible. If a child under 16 years of age has provided us with personal data, their parent or guardian may contact our privacy officer.

How to Access, Modify, Delete, or Challenge the Data Collected (under GDPR)
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, if you would like your data to be deleted or modified in any way, or if you would like to exercise any of your other rights under the GDPR, please contact our privacy officer here:

Lavella Owens
privacy@cashflowcents.com
(619) 880-0569
1050 University Ave, Ste E107 #842, San Diego, CA 92103

Do Not Track Notice
Do Not Track (“DNT”) is a privacy preference that you can set in certain web browsers. We do not track the users of our Site over time and across third party websites and therefore do not respond to browser-initiated DNT signals.

How to Opt-Out of Data Collection, Use or Disclosure
In addition to the method(s) described in the How to Access, Modify, Delete, or Challenge the Data Collected section, we provide the following specific opt-out methods for the forms of collection, use, or disclosure of your personal data specified below:

  1. You can opt-out of the use of your personal data for marketing emails. You can opt-out by clicking “unsubscribe” on the bottom of any marketing email or updating your email preferences under “Your Account.”

Modifications
This Privacy & Cookies Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our processes. When we amend this policy, we will update the “Effective Date” at the top of this policy.

We recommend that our users periodically review this policy to ensure that they are notified of any updates. If necessary, we may also notify users of significant changes via email or through a notice on our Site.

Your continued use of our Site, products, and services after such modifications signifies your acceptance of the revised policy.

Complaints
If you have any complaints about how we process your personal data, please contact us through the contact methods listed in the Contact Information section so that we can, where possible, resolve the issue. If you feel we have not addressed your concern in a satisfactory manner you may contact a supervisory authority. You also have the right to directly make a complaint to a supervisory authority. You can lodge a complaint with a supervisory authority by contacting the Information Commissioner’s Office in the UK, Data Protection, or Commission in Ireland.

Contact Information
If you have any questions, concerns or complaints, you can contact our privacy officer, Lavella Owens, at:

privacy@cashflowcents.com
(619) 880-0569
1050 University Ave, Ste E107 #842, San Diego, CA 92103

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