Privacy Policy

Cash Flow Mapping, LLC (referred to as "Cash Flow Mapping", "us", "we", or "our" as the context may require) respects your privacy and is committed to protecting your personal data. The website www.cashflowmapping.com (the "Site"), is owned by Cash Flow Mapping. This Privacy Policy (the "Privacy Policy") describes our information and privacy practices for the Site. Please note that this Privacy Policy applies only to information collected through the Site or offline by Cash Flow Mapping and does not cover any information collected at any other Site or offline by another company (unless specifically stated). Please note further, as described in this Privacy Policy, that some components of our website are operated by third parties and are therefore subject to additional terms found in the policies of those third parties. In such cases, there generally will be a link to the privacy policies of the third party, as described later in this Privacy Policy. By accessing or using the Site, you are accepting the terms described in this Privacy Policy. This Privacy Policy may change from time to time, as set forth below. Your continued use of the Site after we make changes is deemed to be acceptance of those changes, so please check the Privacy Policy periodically for updates.

  1. IMPORTANT INFORMATION AND WHO WE ARE

    PURPOSE OF THIS PRIVACY POLICY

    This Privacy Policy aims to give you information on how Cash Flow Mapping collects and processes your personal data through your use of the Site, including any data you may provide through the Site when you purchase a product or service.

    If you are in the European Union, or if your personal data otherwise may be subject to the requirements of the General Data Protection Regulation, (Regulation (EU) 2016/679, or the "GDPR"), this Privacy Policy aims to give you information on how Cash Flow Mapping collects and processes your personal data in accordance with the GDPR.

    The Site is offered and available to users who have reached the age of majority in the applicable jurisdiction, and Cash Flow Mapping does not knowingly collect personal information from users who have not reached the age of majority in the applicable jurisdiction. If we learn that we have collected personal data of a person under the age of majority, depending on jurisdiction, we will take steps to delete the data as soon as possible.

    It is important that you read this Privacy Policy so that you are fully aware of how and why we are using your data. This Privacy Policy supplements other notices and privacy policies and is not intended to override them.

    CHANGES TO THE PRIVACY POLICY AND YOUR DUTY TO INFORM US OF CHANGES

    We keep our Privacy Policy under regular review. This version was last updated in July 2019. We reserve the right to alter, modify, update, add to, subtract from or otherwise change this Privacy Policy at any time. We will use your personal data in a manner consistent with the Privacy Policy in effect at the time. You are responsible for periodically visiting the Site and this Privacy Policy to check for any changes.

    It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

    RESPONSIBILITY FOR EXTERNAL SITES

    The Site may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We are not responsible for these third-party websites or their privacy statements. When you leave the Site, we encourage you to review the privacy policies of such third parties by visiting the links included within those separate websites, since their policies may differ from this Privacy Policy, and they may use information consistent with their own policies.

  2. THE DATA WE COLLECT ABOUT YOU

    "Personal data" or "personal information" means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

    We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

    • Identity Data includes first name, middle name and last name.
    • Contact Data includes billing address, delivery address, email address and telephone numbers.
    • Financial/Transaction Data includes details about payments to and from you. We do not collect your payment card details beyond truncated credit card numbers and expiration dates, as all payments are by personal or business checks or processed through Authorize.Net.
    • Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access the Site.
    • Usage Data includes information about how you use the Site.
    • Personal Cash Flow Data information comprising the categorical income and expense information that you provide for analysis by the Site.

    We may also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific Site feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this Privacy Policy.

    We do not collect any data about you identified under the GDPR as "Special Categories of Personal Data" (this includes details about your race or ethnicity, religious or philosophical beliefs, sexual orientation, personal or political opinions, trade union membership, information about your health, and genetic and biometric data). We do not collect any information about criminal convictions and offenses. If we learn that we have collected any data about you identified under the GDPR as "Special Categories of Personal Data," other than health data related to a special accommodation request, we will take steps to delete the data as soon as possible.

    The CCPA provides California residents with specific rights regarding their personal information. You have the right to request that Cash Flow Mapping disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we can disclose:

    • The categories of personal information we collected about you.
    • The categories of sources for the personal information we collected about you.
    • Our business or commercial purpose for collecting or selling that personal information.
    • The categories of third parties with whom we share that personal information.
    • The specific pieces of personal information we collected about you (also called a data portability request).
    • If we sold or disclosed your personal information for a business purpose:
      • sales, identifying the personal information categories that each category of recipient purchased; and
      • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained

    You have the right to request that Cash Flow Mapping delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Please send any and all requests to hello@cashflowmapping.com.

    IF YOU FAIL TO PROVIDE PERSONAL DATA

    Where we need to collect personal data by law, under the terms of a contract we have with you, or otherwise, and you fail to provide that data when requested, we may not be able to sell products to you. In this case, we may have to cancel a product contract you have with us, but we will notify you if this is the case.

  3. HOW IS YOUR PERSONAL DATA COLLECTED?

    If the personal data we are collecting from you is subject to the GDPR, we will use our best efforts to collect your personal data pursuant to GDPR required standards. We use different methods to collect data from and about you including through:

    • Direct interactions. You may give us your Identity, Contact, Financial and Personal Cash Flow Data by filling in forms in person or online or by communicating with us by mail, phone, email or otherwise. This includes personal data you provide when you:
      • purchase products or services from us; or
      • give us feedback or contact us.

    • Automated technologies or interactions. As you interact with the Site, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies.

      We may use third party analytics services like Google Analytics to provide us with a clearer picture of how you use the Site, including when you view specific pages or take specific actions on the Site. For more information about Google Analytics or to opt-out of Google Analytics, please go to Google Analytics Opt-Out Settings page here: https://tools.google.com/dlpage/gaoptout.

      If you wish to learn more about our data collection process, please contact our DPO (contact information provided below).

  4. HOW WE USE YOUR PERSONAL DATA

    We will only use your personal data when the law allows us to. If you are in the European Union, or if your personal data otherwise may be subject to the GDPR, you should understand that we will use our technical infrastructure in the United States in order to deliver various services to you. Similarly, if you are browsing the Site, we may collect certain personal data about you in order to enhance the Site, and your experience on the Site. Processing of your personal data as you browse the Site is necessary for our legitimate interests, and we believe these interests will not interfere with your fundamental rights or freedoms. Most commonly, we will use your personal data in the following circumstances:

    • Where we need to sell products or services to you for the performance of our contract with you.
    • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
    • Where we need to comply with a legal obligation.
    • To enforce or apply our Terms and Conditions and/or any other agreements, including for billing and collection purposes.

    If the personal data we collect from you is subject to the GDPR, we will attempt to process your data pursuant to the lawful bases of the GDPR.

    If your personal data is subject to the GDPR, please note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details regarding the GDPR specific legal ground we are relying on to process your personal data.

    MARKETING

    We will not use your personal data for marketing purposes. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

    COOKIES

    The Site and any e-mails sent from the Site may utilize cookies, web beacons or similar technologies. A cookie is a small text file that is sent to your browser from a web server and is stored on your computer’s hard drive. A web beacon is a small, often invisible, graphic image included in a web page or e-mail. We may use web beacons for many purposes, such as to count visitors to the Site or to monitor how visitors navigate the Site. These technologies help us better understand user behavior and facilitate and measure effectiveness of the Site and its associated technologies. To the extent personal data may be collected, we will secure such data in accordance with this Privacy Policy.

    You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of the Site may become inaccessible or not function properly.

    CHANGE OF PURPOSE

    We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

    If your personal data is subject to the GDPR, and we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

    Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

  5. DATA SECURITY

    We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. However, no transmission of data via the internet or electronic storage of information can be completely secure, so any transmission of personal data or other data is at your own risk.

    Credit card transactions for purchases of products ordered by customers through the Site are processed via Authorize.Net. Authorize.Net's privacy policy is available at: https://www.authorize.net/about-us/privacy.html

    In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

  6. DATA RETENTION

    HOW LONG WILL YOU USE MY PERSONAL DATA FOR?

    We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period, if required by law, in the event of a complaint, or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

    >To determine the appropriate retention period for personal data, we may consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

  7. YOUR LEGAL RIGHTS

    If your personal data is subject to the GDPR, you have certain rights in relation to your personal data. Such rights may include the right, under certain circumstances, to: (1) request access to your personal data, (2) request rectification of the personal data that we hold about you, (3) request erasure of your personal data, (4) object to processing of your personal data, (5) request restriction of processing of your personal data,(6) request the transfer of your personal data or (7) withdraw your consent at any time where we are relying on consent to process your personal data. If your personal data is subject to the GDPR and you wish to make a complaint regarding our processing of your personal data, you may do so to the relevant Supervisory Authority in the European Union.

    We have appointed Carl Lutz as our Data Protection Officer (DPO) who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions about this Privacy Policy, including your legal rights, please contact the DPO using the details set out below.

    CONTACT DETAILS
    If you have any questions or complaints about this Privacy Policy or our privacy practices, please contact our DPO in the following ways: Mailing Address:

    Cash Flow Mapping
    2425 Vance Ave
    Chattanooga, TN 37404

    Email Address: privacy@cashflowmapping.com

  8. GLOSSARY

    LAWFUL BASIS

    Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.

    Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.

    Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.

Red Reef Advisors, LLC ("RIA Firm") is a registered investment adviser located in Boca Raton FL and Research Triangle Park, NC. Red Reef Advisors, LLC may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Red Reef Advisors, LLC's Cash Flow Mapping site is limited to the dissemination of general information pertaining to its Cash Flow Mapping offering. Accordingly, the publication of Red Reef Advisors, LLC's Cash Flow Mapping site on the Internet should not be construed by any consumer and/or prospective client as a Red Reef Advisors, LLC solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Red Reef Advisors, LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Red Reef Advisors, LLC, please contact the state securities regulators for those states in which Red Reef Advisors, LLC maintains a registration filing. A copy of Red Reef Advisors, LLC's current written disclosure statement discussing Red Reef Advisors, LLC business operations, services, and fees is available at the SEC's investment adviser public information website – www.adviserinfo.sec.gov or from Red Reef Advisors, LLC upon written request. Red Reef Advisors, LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party including Cash Flow Mapping, whether linked to Red Reef Advisors, LLC's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.
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