Privacy Policy

1. Information We Collect

1.1 Information You Provide Directly

When you register for or use the Service, we may collect:

• Account information: full name, email address, phone number, job title, and company name
• Business information: business type, industry, size, and financial profile details
• Payment and billing information: credit/debit card numbers, bank account details, billing address, and transaction history (processed via secure third-party payment processors)
• Communications: messages, support requests, and feedback you send to us

1.2 Information Collected Automatically

When you access the Service, we automatically collect:

• Log data: IP address, browser type and version, operating system, referring URLs, and pages visited
• Device information: device identifiers, hardware model, and mobile network information
• Usage data: features used, actions taken, time spent, and interaction patterns within the Service
• Cookies and similar technologies: session cookies, persistent cookies, and web beacons (see Section 7 for more details)

1.3 Information from Third Parties

We may receive information about you from:

• Third-party integrations you connect to the Service (e.g., accounting software, banking APIs, payment processors)
• Identity verification and fraud prevention services
• Publicly available business directories and databases

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 To Provide and Maintain the Service

• Create and manage your account
• Process invoices, payments, and financial transactions
• Provide cash flow tracking, forecasting, and reporting features
• Enable team collaboration and enterprise user management
• Facilitate integrations with third-party services you authorize

2.2 To Communicate with You

• Send transactional emails (account confirmations, invoices, payment receipts)
• Provide customer support and respond to inquiries
• Send service updates, security alerts, and important notices
• Send marketing and promotional communications (where you have opted in; you may opt out at any time)

2.3 To Improve and Develop the Service

• Analyze usage patterns to improve features and user experience
• Conduct research, analytics, and product development
• Test new features and functionality

2.4 For Security and Compliance

• Detect, investigate, and prevent fraudulent transactions and abuse
• Comply with legal obligations, including financial regulations and tax reporting requirements
• Enforce our Terms of Service and other policies
• Respond to lawful requests from regulatory and law enforcement authorities

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

3.1 Service Providers

We share information with trusted third-party vendors who assist us in operating the Service, including cloud hosting providers, payment processors, email delivery services, analytics providers, and customer support platforms. These providers are contractually obligated to use your data only to perform services on our behalf.

3.2 Business Integrations

If you connect third-party services (e.g., QuickBooks, Xero, Stripe, banking APIs), we will share relevant financial data with those services as authorized by you. Your use of those services is governed by their respective privacy policies.

3.3 Enterprise Accounts

If you access the Service through an enterprise account, your account administrator may have access to your usage data and content within that account. Please review your organization's privacy practices.

3.4 Legal Requirements

We may disclose your information if required to do so by law, regulation, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of Flow Pulse, our users, or the public.

3.5 Business Transfers

In the event of a merger, acquisition, financing, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our website before your information is transferred and becomes subject to a different privacy policy.

3.6 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Specifically:

• Account data is retained for the life of your account and for a reasonable period after closure to comply with legal obligations.
• Financial and transaction data may be retained for up to seven (7) years to comply with applicable tax, accounting, and financial regulations.
• Usage and log data is typically retained for up to 24 months for security and analytics purposes.

Upon account termination, you may request deletion of your personal data by contacting us at privacy@flowpulse.com. Deletion requests are subject to our legal retention obligations.

5. Data Security

We take the security of your data seriously and implement industry-standard technical and organizational measures, including:

• Encryption of data in transit using TLS (Transport Layer Security)
• Encryption of sensitive data at rest using AES-256 or equivalent standards
• Role-based access controls limiting data access to authorized personnel only
• Regular security assessments, penetration testing, and vulnerability scanning
• Multi-factor authentication (MFA) options for user accounts
• Incident response procedures for detecting and responding to data breaches

While we use commercially reasonable measures to protect your data, no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security. In the event of a data breach affecting your rights and freedoms, we will notify you as required by applicable law.

6. Your Rights and Choices

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

6.1 Access and Portability

You have the right to request a copy of the personal information we hold about you and to receive it in a structured, machine-readable format.

6.2 Correction

You have the right to request correction of inaccurate or incomplete personal information. You may update most account information directly through your account settings.

6.3 Deletion

You have the right to request deletion of your personal information, subject to our legal obligations to retain certain data (e.g., financial records required by law).

6.4 Restriction and Objection

You may have the right to restrict or object to certain processing of your personal information, including for direct marketing purposes.

6.5 Opt-Out of Marketing

You may opt out of receiving marketing communications from us at any time by clicking the "unsubscribe" link in any marketing email or by contacting us at privacy@flowpulse.com. You will continue to receive transactional and service-related communications.

6.6 California Privacy Rights (CCPA)

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, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at privacy@flowpulse.com.

6.7 GDPR Rights (EEA/UK Users)

If you are located in the European Economic Area (EEA) or the United Kingdom, you have rights under the General Data Protection Regulation (GDPR) or UK GDPR, including the rights to access, rectification, erasure, restriction, portability, and objection. You also have the right to lodge a complaint with your local data protection authority. Our legal basis for processing your data includes contract performance, legitimate interests, legal obligations, and consent where applicable.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience with the Service. Specifically, we use:

• Essential cookies: required for the Service to function (e.g., session management, authentication)
• Analytics cookies: to understand how users interact with the Service (e.g., Google Analytics)
• Preference cookies: to remember your settings and preferences
• Marketing cookies: to deliver relevant content and measure campaign effectiveness (only where you have consented)

You can control cookie settings through your browser preferences. Note that disabling certain cookies may limit functionality of the Service.

8. International Data Transfers

Flow Pulse is based in the United States. If you access the Service from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. These countries may have different data protection laws than your country of residence.

For users in the EEA or UK, we ensure that international transfers are made in compliance with applicable data protection law, using mechanisms such as Standard Contractual Clauses (SCCs) or other lawful transfer mechanisms.

9. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately at privacy@flowpulse.com and we will take steps to delete such information.

10. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party platforms. This Privacy Policy does not apply to those third-party services. We encourage you to review the privacy policies of any third-party services you use in connection with Flow Pulse.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of material changes by:

• Sending an email to the address associated with your account
• Displaying a prominent notice within the Service
• Updating the "Last Updated" date at the top of this policy

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team at:

We aim to respond to all privacy-related inquiries within 30 days.