Privacy Policy

1. Introduction

CashFlow SMB Consulting LLC ("Company," "we," "us," or "our") operates the OptipayX service ("Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

2.1 Personal Information

When you register for OptipayX Premium, we collect:

• Name (first and last name)
• Email address
• Password (encrypted)
• Business name and type
• Business size (number of employees)
• Business website (optional)
• Location information (city, state, country, zip code)

2.2 Payment Information

We collect payment information necessary to process your subscription, including:

• Credit card information (processed securely by third-party payment processors)
• Billing address
• Payment transaction records

2.3 Usage Information

We automatically collect information about how you use our Service:

• Login times and frequency
• Features accessed and calculations performed
• IP address and browser information
• Device information and operating system

3. How We Use Your Information

We use the collected information for the following purposes:

• Service Provision: To provide, maintain, and improve OptipayX services
• Account Management: To manage your account, process payments, and provide customer support
• Communication: To send account activation emails, service updates, and respond to inquiries
• Analytics: To understand usage patterns and improve our Service
• Legal Compliance: To comply with applicable laws and regulations

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Payment processing and fraud prevention
• Email delivery services
• Cloud hosting and data storage
• Analytics and performance monitoring

4.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes or government requests
• Protect our rights, property, or safety
• Prevent fraud or abuse of our Service
• Enforce our Terms and Conditions

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure payment processing through certified providers
• Regular security assessments and updates
• Access controls and authentication measures
• Employee training on data protection practices

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our Service to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records for legitimate purposes

Account information is typically retained for 7 years after account closure for business and legal purposes.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your data to another service
• Objection: Object to certain processing activities

To exercise these rights, please contact us at info@cashflowsmb.com.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain your login session
• Remember your preferences
• Analyze Service usage and performance
• Provide personalized experiences

You can control cookie settings through your browser preferences.

9. Children's Privacy

OptipayX is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect and how it's used
• The right to request deletion of personal information
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising privacy rights

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last Updated" date.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

CashFlow SMB Consulting LLC
Email: info@cashflowsmb.com
Website: www.cashflowsmb.com
Subject Line: "Privacy Policy Inquiry - OptipayX"