Effective Date: January 15, 2025
Last Updated: January 15, 2025
Who We Are
IncomeFlow Financial Services operates the website incomeflow.net (the “Service”). We are committed to protecting your privacy and ensuring the security of your personal information.
Website: https://incomeflow.net
Company: IncomeFlow Financial Services
Contact Email: info@incomeflow.net
Address: 123 Financial District, New York, NY 10005, United States
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
What Personal Data We Collect and Why We Collect It
We collect information to provide better services to our users and to operate our financial education and advisory services effectively.
Information You Provide Directly
Contact Forms and Consultations:
- – Name and email address (to respond to your inquiries)
- – Phone number (for consultation scheduling)
- – Financial situation details (to provide personalized advice)
- – Message content (to understand your specific needs)
Newsletter Subscriptions:
- – Email address (to send financial education content)
- – Name (for personalization)
Legal Basis: Legitimate business interest in providing financial services and responding to client inquiries.
Information Collected Automatically
Website Analytics:
- – IP address and approximate location
- – Browser type and version
- – Pages visited and time spent
- – Referring websites
- – Device information
Purpose: To understand user behavior, improve our website performance, and enhance user experience.
Comments
When visitors leave comments on our website, we collect the data shown in the comments form, including the commenter’s IP address and browser user agent string for spam detection purposes.
Media
If you upload images or files to our website, you should avoid uploading images with embedded location data (EXIF GPS). Visitors to the website can download and extract any location data from images on the website.
Cookies
We use cookies to enhance your browsing experience and analyze website traffic.
Essential Cookies: Required for website functionality
Analytics Cookies: Google Analytics (anonymized data)
Performance Cookies: Website optimization and speed improvement
You can control cookies through your browser settings. However, disabling cookies may affect website functionality.
Third-Party Services
Google Analytics: We use Google Analytics to understand website usage patterns. Google’s privacy policy: https://policies.google.com/privacy
Email Marketing: We use professional email marketing services to send newsletters and financial education content.
Payment Processing: For paid services, we use secure third-party payment processors that comply with PCI DSS standards.
Who We Share Your Data With
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:
Service Providers: Trusted third-party companies that help us operate our website and provide services (email marketing, analytics, payment processing)
Legal Requirements: When required by law, regulation, or legal process
Business Protection: To protect our rights, property, or safety, or that of our users
Consent: When you have given explicit consent for specific purposes
All third-party service providers are contractually obligated to maintain the confidentiality and security of your personal information.
How Long We Retain Your Data
We retain your personal information only as long as necessary for the purposes outlined in this policy:
Contact Form Submissions: 2 years (for follow-up and service improvement)
Newsletter Subscriptions: Until you unsubscribe
Client Records: 7 years (for financial advisory compliance)
Website Analytics: 26 months (Google Analytics standard)
Comments: Indefinitely unless deletion is requested
You may request deletion of your personal data at any time, subject to legal and regulatory requirements.
What Rights You Have Over Your Data
Under applicable privacy laws, you have the following rights:
Access: Request a copy of the personal data we hold about you
Rectification: Request correction of inaccurate or incomplete data
Erasure: Request deletion of your personal data
Portability: Request transfer of your data to another service
Objection: Object to processing of your personal data
Restriction: Request limitation of processing your data
To exercise these rights, contact us at info@incomeflow.net with a clear description of your request.
Where Your Data Is Sent
Your data may be transferred to and processed in countries outside your home country, including the United States, where our servers are located.
We ensure that all international transfers of personal data meet applicable legal requirements and provide adequate protection through:
- – Standard contractual clauses approved by relevant authorities
- – Adequacy decisions by competent authorities
- – Other legally recognized transfer mechanisms
For European Union residents, we comply with GDPR requirements for international data transfers.
How We Protect Your Data
We implement appropriate technical and organizational security measures to protect your personal information:
Technical Measures:
- – SSL encryption for data transmission
- – Secure hosting infrastructure
- – Regular security updates and patches
- – Access controls and authentication
Organizational Measures:
- – Staff training on data protection
- – Confidentiality agreements
- – Regular security assessments
- – Incident response procedures
While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure.
Data Breach Procedures
In the event of a data breach, we have established procedures to:
- – Assess the breach within 24 hours
- – Notify relevant authorities within 72 hours (where required)
- – Inform affected individuals without undue delay
- – Take immediate steps to contain and remediate the breach
- – Conduct a thorough investigation and implement preventive measures
Automated Decision Making and Profiling
We do not engage in automated decision-making or profiling that produces legal effects or significantly affects individuals.
Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we discover that we have collected information from a child under 18, we will delete it immediately.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by:
- – Posting the updated policy on our website
- – Sending email notifications to registered users
- – Displaying a prominent notice on our website
Your continued use of our services after changes become effective constitutes acceptance of the updated policy.
Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Email: info@incomeflow.net
Address: IncomeFlow Financial Services, 123 Financial District, New York, NY 10005, United States
Phone: Available upon request
For privacy-specific concerns, please include “Privacy Policy” in your email subject line.
Regulatory Compliance
As a financial services provider, we comply with applicable financial privacy regulations, including:
- – Gramm-Leach-Bliley Act (GLBA)
- – Fair Credit Reporting Act (FCRA)
- – State privacy laws where applicable
We maintain appropriate licenses and registrations required for our financial advisory services.
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