Revised: December 2018
What Information We Collect
CashFlow GPS (CFGPS) and its authorized CashFlowAdvisor.com counselors are committed to protecting the confidentiality and security of information we collect about our existing and prospective CFGPS. We will not share nonpublic information about you (the “Information”) with third parties outside of CFGPS domain without your consent, except for the specific purposes described below. This notice describes the Information we may gather and the circumstances under which we may share it.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications, tax organizers, worksheets and other documents;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from a consumer-reporting agency.
We restrict access to nonpublic personal information about you to those members of our firm who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information
Why We Collect and How We Use Information
We limit the collection and use of Information to the minimum we require to deliver superior service to you but also for your protection. Such service includes processing various requests by you, assessing qualifications and capabilities, inventory and due diligence analysis, providing advice to you and administering our services.
How We Gather Information
We get most Information directly from you, when you apply for, access and use products, services and/or research offered through CFGPS – whether in person, by telephone or electronically. We may verify this Information or get additional Information from consumer reporting agencies or public sources. This Information may relate to your finances, employment, avocations or other personal characteristics, as well as transactions and interactions with CFGPS Subscribers, or others.
How We Protect Information
The CFGPS are required to protect the confidentiality of Information and to comply with our established policies. They may access Information only when there is an appropriate reason to do so, such as to administer various services and/or distribute resources. We also maintain physical, electronic and procedural safeguards to protect Information. Those that violate our Privacy Policy are subject to disciplinary process and/or termination.
Disclosure of Information
We do not disclose any nonpublic Information about our CFGPS Subscribers or former CFGPS Subscribers to anyone unaffiliated with CFGPS and/or without cause. We may disclose any Information to or as directed by a CFGPS Subscriber or when we believe it necessary for the conduct of our CFGPS Family affairs, or where disclosure is required or permitted by law. Information may be disclosed for audit or research purposes, to attorneys or other professionals, or to law enforcement and regulatory agencies, for example, to help us prevent fraud. In addition, we may disclose Information to affiliated and non-affiliated third party service providers (i) to enable them to provide business services for us, such as performing computer related or data maintenance or processing services, (ii) to facilitate the processing of transactions requested by you, (iii), to assist us in offering products and services to you or to assist our CFGPS Subscribers in offering products and services to you, or (iv) for credit review and reporting purposes. Except in those specific, limited situations, without your consent, we will not make any disclosures of Information to any unaffiliated companies who may want to sell their products or services to you. For example, we do not sell client lists and we will not sell your name to a catalogue company. It is CFGPS policy to require all third parties, including our CFGPS Subscribers that are to receive any Information acknowledge this CFGPS Privacy Policy and related written policies and supervisory procedures.
Important Note: CFGPS has one foundational agreement and a series of voluntary supplements for all prospective CFGPS Subscribers without partiality (i.e. house rules): they are non-negotiable and available for review upon receiving CFGPS Subscriber status. We do not ordinarily acknowledge third-party confidentiality agreements and similar documents.
Former Relationships
Even if you are no longer affiliated with CFGPS, our Privacy Policy will continue to apply to you according to the covenants of your former relationship with CFGPS.
To Whom This Policy Applies
This CFGPS Privacy Policy applies to products or services provided by CFGPS Subscribers through the CFGPS platform.
Access to and Correction of Information
If you desire to review any file we may maintain of your personal Information, please contact us. If you notify us with any Information that is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which we will include in future disclosures of the disputed Information. Information collected in connection with, or in anticipation of, any conflict resolution proceeding will not be made available.
Further Information
We reserve the right to change this CFGPS Privacy Policy. The examples contained within this CFGPS Privacy Policy are illustrations and they are not intended to be exclusive. This privacy notice does NOT comply with enacted federal law and related governmental regulations regarding privacy (i.e. CFGPS will not disclose your personal Information to any government, or agency thereof, just because they asked for it) as this would cause CFGPS to breach its own covenants with you. You may have additional rights under other foreign or domestic laws that may apply to you.