Privacy Policy
Introduction
When you use the services of FlowCFO (“FlowCFO”, “we”, “our”, or “us”), you trust us with information that supports your financial operations. We understand the importance of protecting that information and are committed to maintaining its privacy and security.
This Privacy Policy explains what information we collect, how we collect it, why we use it, how we protect it, and the choices available to you regarding your information. This Privacy Policy applies to the FlowCFO website, platform, applications, integrations, and related services (collectively, the “Services”).
FlowCFO is an accounts receivable intelligence platform that helps finance teams improve collections performance, assess customer risk, forecast cash flow, automate workflows, and manage receivables operations. In delivering these Services, FlowCFO may process customer, financial, operational, and business information on behalf of its users and customers.
By accessing or using our Services, you acknowledge that you have read and understood the practices described in this Privacy Policy.
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us at [Add Privacy Email Address].
What Information We Collect
We collect information to provide, maintain, secure, and improve our Services. The information we collect depends on how you interact with FlowCFO and the Services you use.
Information You Provide to Us
When you create an account, request a demonstration, contact our team, subscribe to communications, or use our Services, you may provide information including your name, business email address, company name, phone number, job title, billing information, support requests, and other information you choose to share with us.
Information We Collect Through Your Use of the Services
When you access or use FlowCFO, we may automatically collect information about your interaction with the platform. This information helps us maintain platform performance, improve functionality, support security monitoring, and provide a better user experience.
This information may include device information, browser type, operating system details, IP address, usage activity, session duration, access timestamps, error logs, referral URLs, and other technical information associated with your use of the Services.
We may also collect information regarding how users interact with workflows, reports, dashboards, forecasting tools, analytics modules, and other platform features to support product improvements and operational performance.
Financial and Operational Information
As part of providing accounts receivable intelligence and automation capabilities, FlowCFO may process business information uploaded directly by customers or synchronized through connected systems.
Depending on how the Services are configured, this information may include customer account records, invoice data, payment information, receivables aging details, collection activities, customer communication records, forecasting inputs, workflow configurations, risk assessments, account balances, and other financial or operational information necessary to provide the Services.
Information From Integrations
FlowCFO supports integrations with ERP systems, CRM platforms, HRIS solutions, accounting software, payment systems, and other business applications.
When customers authorize an integration, FlowCFO may receive information from those connected systems. This may include customer records, invoice information, payment history, transaction data, contact information, accounting records, workflow data, and other information made available through the authorized integration.
The information collected through integrations is used solely to provide platform functionality, forecasting capabilities, risk analysis, workflow automation, reporting, and related Services.
Cookies and Similar Technologies
FlowCFO uses cookies and similar technologies to improve website functionality, maintain user sessions, remember preferences, analyze website usage, and support platform security.
Cookies help us understand how visitors use our website and Services so that we can improve performance, usability, and overall user experience. Most web browsers automatically accept cookies, although users can modify browser settings to decline or remove cookies if preferred.
Certain features of the Services may not function properly if cookies are disabled.
What We Do With the Information We Gather
FlowCFO processes information only for legitimate business purposes related to the delivery, maintenance, security, and improvement of our Services. The way we use information depends on the nature of your relationship with FlowCFO, the Services you use, and the permissions granted by you or your organization.
Providing Our Services
We use information to operate and deliver the Services requested by our customers and users. This includes supporting accounts receivable management, collections operations, cash flow forecasting, risk analysis, workflow automation, reporting, integrations, and other platform functionality.
If you use our website to request information, schedule a demonstration, access resources, or contact our team, we use the information you provide to respond to your requests and provide the requested information or Services.
Managing User Accounts
When you register for a FlowCFO account, we use your information to create and maintain your account, authenticate users, manage permissions, administer access controls, and provide account-related communications.
We may also use account information to verify user identity, support login functionality, and maintain platform security.
Financial Intelligence and Forecasting
FlowCFO uses customer and financial data to generate forecasting models, cash position projections, receivables insights, payment trend analysis, and other financial intelligence outputs.
These capabilities help finance teams better understand receivables performance, anticipate future cash inflows, identify potential payment delays, and support working capital planning.
Risk Analysis and Portfolio Assessment
Information processed through the platform may be used to evaluate customer payment behavior, outstanding exposure, collection performance, account activity, and other indicators associated with receivables management.
This analysis supports the identification of emerging payment risks, portfolio-level exposure trends, and collection priorities that help finance teams make more informed operational decisions.
Workflow Automation
FlowCFO uses information provided by customers and connected systems to automate financial workflows based on user-defined rules, triggers, conditions, and business processes.
This may include collection activities, payment reminders, escalation workflows, approval processes, task assignments, notifications, customer monitoring, and other operational actions configured by users within the platform.
AI and Automated Processing
FlowCFO incorporates artificial intelligence and automated processing capabilities to support financial operations and receivables management activities.
These capabilities may be used to generate risk scores, identify collection priorities, forecast cash flow, evaluate payment behavior, recommend operational actions, support workflow execution, and surface relevant financial insights.
AI-generated outputs are intended to support finance teams in their decision-making processes. Customers remain responsible for reviewing information and making business decisions based on their own judgment, policies, and requirements.
Maintaining Security and Platform Integrity
We use information to maintain the security, availability, and reliability of our Services.
This may include monitoring systems, networks, applications, user activity, authentication events, and platform performance to identify unusual activity, investigate potential security incidents, prevent unauthorized access, detect fraud, and protect our customers, users, and Services.
Product Development and Service Improvements
FlowCFO continually works to improve the functionality, performance, and usability of its Services.
We may analyze usage patterns, platform activity, user feedback, system performance, and operational trends to improve existing features, develop new functionality, enhance user experiences, and optimize platform performance.
Where possible, aggregated and de-identified information may be used for analytical and product improvement purposes.
Customer Support and Communications
If you contact us for support, submit an inquiry, request information, participate in surveys, or communicate with our team, we use your information to respond to your requests, resolve issues, provide assistance, and improve customer service experiences.
We may also send administrative communications related to your account, platform updates, service announcements, security notifications, billing matters, or other information necessary for the operation of the Services.
Marketing and Business Communications
Where permitted by applicable law, FlowCFO may use your information to send newsletters, product updates, event invitations, educational content, industry insights, and information about Services that may be relevant to your business.
You may opt out of marketing communications at any time by following the instructions included in those communications or by contacting us directly.
Compliance With Legal Obligations
We may process information where necessary to comply with legal obligations, regulatory requirements, contractual commitments, lawful requests from public authorities, court orders, or other applicable legal processes.
We may also process information where necessary to establish, exercise, or defend legal claims, protect our rights, enforce our agreements, and prevent misuse of our Services.
Customer Data Ownership
FlowCFO recognizes that customers retain ownership of the information they submit, upload, synchronize, or otherwise make available through the Services.
Customer data processed through FlowCFO remains the property of the customer or the party that legally controls such information. FlowCFO does not claim ownership of customer financial records, invoice data, payment information, customer account records, workflow configurations, forecasting data, collection activities, or other business information processed through the platform.
FlowCFO processes customer data solely for the purpose of providing the Services, supporting platform functionality, maintaining security, improving platform performance, and fulfilling contractual obligations with customers.
Data Controller and Data Processor Roles
FlowCFO may act as either a data controller or a data processor depending on the nature of the information being processed and the relationship between FlowCFO and the individual or organization providing the information.
When FlowCFO collects information directly from website visitors, prospective customers, account holders, event registrants, or individuals interacting with our Services, FlowCFO generally acts as the data controller and determines how and why such information is processed.
When customers upload, synchronize, store, or process information through the Services, FlowCFO generally acts as a data processor on behalf of the customer. In such cases, the customer remains responsible for determining the purpose, legal basis, and manner in which personal information is processed.
Customers are responsible for obtaining any required notices, consents, permissions, or legal authorizations necessary to collect, transfer, and process information through the Services in accordance with applicable laws and regulations.
Data Integrations
FlowCFO supports integrations with ERP systems, CRM platforms, HRIS solutions, accounting software, payment platforms, and other business applications authorized by customers.
When customers connect third-party systems to FlowCFO, information may be synchronized between those systems and the platform to support forecasting, risk assessment, workflow automation, collections management, reporting, analytics, and operational visibility.
Customers control which integrations are enabled and the information made available through those integrations. FlowCFO only accesses information necessary to provide the requested Services and does not modify source system records unless specifically authorized through platform functionality.
Third-party platforms connected to FlowCFO remain subject to their own privacy policies, terms, and security practices.
Information Sharing and Disclosure
FlowCFO does not sell customer information, personal information, or business data to third parties.
We may share information only in the circumstances described in this Privacy Policy and only when necessary to operate the Services, comply with legal obligations, protect our rights, or support legitimate business operations.
Service Providers
FlowCFO may engage trusted third-party service providers to support the operation of the Services.
These service providers may assist with cloud infrastructure, hosting, data storage, payment processing, customer support, security monitoring, analytics, communications, software development, and other operational functions.
Service providers are permitted to access information only as necessary to perform services on our behalf and are required to maintain appropriate confidentiality and security measures.
Business Partners and Integrations
Where customers choose to connect third-party applications, software platforms, or integration partners, information may be exchanged between FlowCFO and those authorized systems to support platform functionality.
Such data exchanges occur only with customer authorization and are limited to the information required for the selected integration or service.
Company Affiliates
FlowCFO may share information with affiliated companies that assist in providing, supporting, operating, or improving the Services.
Any information shared with affiliates remains subject to the protections described in this Privacy Policy.
Business Transactions
If FlowCFO is involved in a merger, acquisition, financing, restructuring, asset sale, or other business transaction, information may be transferred as part of that transaction.
In such circumstances, information will remain subject to applicable confidentiality obligations and privacy commitments.
Legal Requirements and Protection of Rights
- FlowCFO may disclose information where required by law or where we reasonably believe disclosure is necessary to:
- Comply with legal obligations or regulatory requirements.
- Respond to lawful requests from government authorities.
- Protect the rights, property, or security of FlowCFO.
- Protect customers, users, or third parties.
- Investigate suspected fraud, security incidents, or unlawful activity.
- Enforce contractual agreements, policies, or legal rights.
Data Security
FlowCFO is committed to protecting the confidentiality, integrity, and availability of information processed through the Services.
We maintain administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, misuse, loss, or destruction.
These safeguards may include access controls, user authentication mechanisms, encryption technologies, activity monitoring, security assessments, audit logging, network protections, backup procedures, and other security practices designed to support the protection of customer information.
FlowCFO continuously evaluates and improves its security practices to address evolving threats, operational requirements, and industry expectations.
While we take reasonable steps to protect information, no system, network, or method of electronic transmission can provide absolute security. Users are responsible for maintaining the confidentiality of their account credentials and limiting access to authorized personnel.
Data Retention and Deletion
FlowCFO retains information for as long as necessary to provide the Services, fulfill contractual obligations, maintain business records, support platform security, resolve disputes, enforce agreements, and comply with applicable legal, regulatory, accounting, and compliance requirements.
The length of time information is retained depends on the nature of the information, the purpose for which it was collected, applicable legal obligations, and legitimate business requirements.
When information is no longer required, FlowCFO may delete, anonymize, aggregate, or securely archive the information in accordance with applicable retention policies and legal requirements.
Customers may request the deletion of information associated with their accounts, subject to contractual obligations, legal requirements, and operational retention periods.
International Data Transfers
FlowCFO may operate through infrastructure, service providers, affiliates, or business operations located in multiple countries.
As a result, information may be transferred to, processed in, or stored in jurisdictions outside the country in which it was originally collected.
Where required by applicable law, FlowCFO implements appropriate safeguards designed to protect information during international transfers. These safeguards may include contractual protections, data processing agreements, security controls, and other legally recognized transfer mechanisms.
By using the Services, you acknowledge that information may be transferred and processed as described in this Privacy Policy.
Your Privacy Rights
Depending on your location and applicable privacy laws, you may have certain rights regarding your personal information.
These rights may include the ability to:
- Request access to information we hold about you.
- Request correction of inaccurate or incomplete information.
- Request deletion of personal information.
- Request restriction of certain processing activities.
- Object to certain types of processing.
- Request portability of your information.
- Withdraw consent where processing is based on consent.
- Request additional information regarding how your information is processed.
FlowCFO will review and respond to privacy requests in accordance with applicable laws and regulatory requirements.
To exercise any privacy rights, please contact us at [Add Privacy Email Address].
Additional Privacy Rights for Certain Jurisdictions
For Individuals in the European Economic Area, United Kingdom, and Switzerland
If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you may have certain rights under applicable privacy and data protection laws. Subject to applicable legal requirements, these rights may include the ability to access personal information, request correction of inaccurate information, request deletion of personal information, restrict certain processing activities, object to processing, request data portability, and withdraw consent where processing is based on consent.
You may also have the right to lodge a complaint with the relevant supervisory authority responsible for data protection matters within your jurisdiction.
For California Residents
If you are a California resident, you may have certain rights under applicable California privacy laws. These rights may include the ability to request access to personal information collected about you, request deletion of personal information, request correction of inaccurate information, and obtain information regarding our privacy practices.
FlowCFO does not sell personal information to third parties for monetary compensation.
To exercise any privacy rights described in this section, please contact us at [Add Privacy Email Address].
Marketing Communications
You may opt out of receiving marketing communications from FlowCFO at any time by following the unsubscribe instructions included in those communications or by contacting us directly.
Please note that opting out of marketing communications does not prevent us from sending service-related communications, security notifications, billing information, account updates, or other administrative messages necessary for the operation of the Services.
Cookies and Tracking Technologies
FlowCFO uses cookies, pixels, local storage technologies, and similar tools to improve website functionality, analyze website usage, maintain user sessions, remember preferences, and support security.
These technologies help us understand how visitors interact with our website and Services so that we can improve performance, functionality, and user experience.
Most web browsers allow users to control cookie preferences through browser settings. Users may choose to accept, reject, or remove cookies; however, certain features of the website or Services may not function properly if cookies are disabled.
Additional information regarding our use of cookies may be provided through our cookie notice or cookie management tools where available.
Third-Party Websites and Services
The FlowCFO website and Services may contain links to third-party websites, platforms, applications, or services.
FlowCFO does not control and is not responsible for the privacy practices, content, security, or policies of third-party websites or services. Users are encouraged to review the privacy policies of any third-party services they access.
Children’s Privacy
FlowCFO is intended for business and professional use and is not directed toward children.
We do not knowingly collect personal information from children under the age required by applicable law. If we become aware that such information has been collected without appropriate authorization, we will take reasonable steps to delete the information.
Parents or guardians who believe a child may have provided personal information to FlowCFO should contact us at [Add Privacy Email Address].
Changes to This Privacy Policy
FlowCFO may update this Privacy Policy from time to time to reflect changes in our Services, technology, legal obligations, business operations, or privacy practices.
When updates are made, we will revise the effective date at the beginning of this Privacy Policy. Material changes may also be communicated through the website, platform notifications, email communications, or other appropriate channels.
We encourage users to periodically review this Privacy Policy to remain informed about how information is collected, used, and protected.
Contact Information
If you have questions regarding this Privacy Policy, our privacy practices, or the processing of your information, please contact us using the information below:
Company Name: [Add Company Name]
Privacy Contact Email: [Add Privacy Email Address]
Business Address: [Add Business Address]
Phone Number: [Add Contact Number]
Attention: Privacy Team
FlowCFO will make reasonable efforts to respond to privacy-related inquiries and requests within the timeframes required by applicable law.