Privacy Policy

Welcome to CFO Lifeline. At CFO Lifeline LLC, we value your privacy and are committed to protecting your personal information.

This notice describes the privacy policy (“Privacy Policy” or “Policy”) of https://cfolifeline.com/ (hereinafter referred to as the “website” or “Site”) which is operated by:

Company Name: CFO Lifeline LLC

Entity Type: Limited Liability Company

Registered Office: 777 Brickell Ave Ste 500 Miami Florida 33131

(here simply referred to as “CFO Lifeline” or “us” or “our” or “we”). In this Policy, you shall be referred as “you” or “your” or “user” or “users”.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, https://cfolifeline.com/, and use our services. By accessing our website and using our services, you agree to the terms outlined in this policy.

We provide various services including bookkeeping, tax services, CFO services, and tech consulting. We are dedicated to ensuring that your personal and business information remains confidential and secure. Please read this policy carefully to understand our practices regarding your information and how we will treat it. If you have any questions or concerns, don’t hesitate to contact us at info@cfolifeline.com.

1. What information about the users do we collect?

We collect various types of information from our clients and website visitors to provide and improve our services. The information we collect includes:

Information Collected from Clients

Contact Information: Names, phone numbers, email addresses, and mailing addresses.
Business Information: Business name, industry type, revenue, number of employees, business size, and details about the business structure.
Financial Information: Bank account details, credit card numbers, financial statements, payroll information, and tax IDs.
Transactional Data: Details of transactions and contracts that clients have entered into.
Employment Information: Information about employees, including salaries, job titles, and employment history.
Legal Documents: Contracts, agreements, and other legal documents relevant to financial advisory or compliance.
Communication Records: Emails, chat histories, and phone call logs related to the service provided.
Technical Data: IP addresses, login information, user IDs, passwords, and security questions.

Information Collected from Website Visitors

Contact Information: Name, email address, and telephone number, especially when they fill out contact forms or subscribe to newsletters.
Demographic Information: Age, profession, and possibly location data.
Behavioural Data: Pages visited, links clicked, time spent on pages, and the frequency of visits.
Device Information: Type of device, operating system, browser type, browser settings, and IP address.
Cookies and Tracking Technologies: Data collected via cookies, web beacons, and other tracking technologies to understand user preferences and improve user experience.
Interaction Data: Responses to surveys, feedback forms, and interactions with customer service.

2. Cookies and Tracking Technologies

Our website uses cookies and other tracking technologies to enhance your experience, understand user behavior, and improve our services. Here is how we use these technologies:

Cookies: Cookies are small text files placed on your device (computer, tablet, or mobile phone) when you visit our website. They help us recognize your device and store information about your preferences or past actions. You have the right to decide whether to accept or reject cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website. To learn more about cookies and how to manage them, you can visit allaboutcookies.org/ (third party website).
Web Beacons: Small graphic images or other web programming code called web beacons (also known as “clear GIFs” or “pixel tags”) may be included in our web pages and email messages. Web beacons are used to count the number of visitors to the web pages or to count how many emails were actually opened.
Analytics Services: We may use third-party analytics services (such as Google Analytics) that use cookies and other tracking technologies to collect data about your use of our website and to report on website activity and trends. These services help us understand how you interact with our website and improve our services.

If you have any questions or need further assistance regarding our use of cookies and other tracking technologies, please contact us at info@cfolifeline.com.

3. What is the lawful basis for which we use your information?

At CFO Lifeline, we process information based on the following lawful bases:

Contractual Necessity: We process your personal information to fulfill our contractual obligations to you, including providing our bookkeeping, tax services, CFO services, and tech consulting. This includes managing your account, processing transactions, and delivering the services you have requested.
Consent: In certain circumstances, we may rely on your consent to process your personal information. For example, when you subscribe to our newsletters or opt-in to receive marketing communications. You have the right to withdraw your consent at any time by contacting us at info@cfolifeline.com or by using the unsubscribe link in our emails.
Legal Obligations: We process your personal information to comply with our legal obligations. This includes retaining records for auditing purposes, responding to lawful requests from public authorities, and complying with applicable laws and regulations.
Legitimate Interests: We process your personal information for our legitimate business interests, which include:

Improving and personalizing our services and website experience.
Communicating with you about updates, promotions, and other relevant information.
Ensuring the security of our website and services.
Conducting analysis and research to improve our business operations and service offerings.

In any case, we will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of personal data is a statutory or contractual requirement, or a requirement necessary to enter into a contract. Feel free to contact us for this purpose at info@cfolifeline.com.

4. How do we use this information?

At CFO Lifeline, the information collected serves the following purposes:

Client Services We use your information to provide personalized CFO, bookkeeping, tax consultancy, and tech consulting services tailored to your specific needs. This includes managing your account and processing transactions.
Communication We use your information to respond to your inquiries, requests, and complaints. We also use it to send important updates, service announcements, and administrative messages.
Legal Compliance We use your information to comply with legal obligations, including financial reporting, auditing, and compliance with tax laws. Additionally, we use it to manage and resolve any disputes or legal claims.
Marketing and Promotions We use your information to send newsletters, promotions, and other marketing materials that may interest you. We also use it to collect your feedback and conduct surveys to improve our services.
Website and Service Improvement We use your information to understand how our website is used and to optimize its functionality and user experience. We analyze website traffic and usage patterns to enhance the performance and effectiveness of our services.
Security We use your information to detect, prevent, and address fraud, security breaches, and other harmful activities. We also use it to protect the integrity and confidentiality of your personal information and ensure the security of our systems.
Business Operations We use your information to streamline our business operations and improve our service delivery processes. This includes conducting business planning, forecasting, and strategic decision-making.

5. Data Retention and Deleting your information

Data Retention: We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Generally, we retain personal information for a period of six (06) years. This retention period allows us to meet our legal obligations, resolve disputes, and enforce our agreements.
Deleting Personal Information: You have the right to request the deletion of your personal information at any time. To request deletion, please contact us at info@cfolifeline.com with your specific request. Upon receiving your request, we will take reasonable steps to delete your information from our records, unless retention is required or permitted by law.
User Verification: Prior to processing deletion requests, we may need to verify the identity of the user to ensure the security of personal information.
Exceptions: Certain information may be exempt from deletion if retention is necessary for legal compliance, dispute resolution, or other legitimate business purposes.
Effect on Services: Deleting certain information may impact the user’s ability to access and use specific services or features provided by CFO Lifeline.
Backup Copies: Information may continue to exist in backup copies for a limited period after deletion. These copies are retained for system restoration purposes and are not actively used.

6. Sharing of Information

At CFO Lifeline, transparency and user privacy are paramount. We may share collected information in specific circumstances outlined below:

Service Providers and Contractors: We may share your information with third-party service providers or independent contractors who assist us in providing our services. These service providers are bound by confidentiality agreements and are only permitted to use your information for the specific purposes for which they are engaged, such as:

- - Hosting services (e.g., HostGator)
  - Data storage and management (e.g., Microsoft SharePoint and OneDrive)
  - Payment processing
  - Technical support and maintenance

Our Employees: Information collected may be accessed by CFO Lifeline employees based on their job responsibilities, such as customer support or accountant. Access is restricted to those with a legitimate need for the information, and confidentiality obligations are in place.
Business Partners: We may share your contact details with other service providers who offer complementary services that may be of interest to you. This is only done if you have agreed in advance.
Legal Compliance and Protection: We may disclose your information when required by law, regulation, legal process, or governmental request. This includes responding to subpoenas, court orders, or other legal proceedings.
Business Transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred. Users will be notified of any such change in ownership or control of personal information.
With User Consent: We may share your information with third parties if you provide explicit consent for such sharing.
Aggregate and Anonymized Data: Aggregated and anonymized data may be shared for analytical purposes, providing insights into user trends and preferences without revealing personally identifiable information.

7. Storage and Security of Information

Ensuring the confidentiality and integrity of user information is a top priority at CFO Lifeline. Here’s how we handle the storage and security of the information we collect:

Data Storage: We store your personal information using secure methods and technologies to ensure its confidentiality and integrity. The information we collect from you is stored on secure servers provided by trusted third-party service providers, including:

- - HostGator: Our website hosting provider.
  - Microsoft SharePoint and OneDrive: Used for data storage and management.

Access Controls: Access to user information is restricted within CFO Lifeline. Only employees with a legitimate need, such as accountant, customer support or system administrators, have access based on their job responsibilities.
Employee Confidentiality: CFO Lifeline employees are bound by confidentiality obligations and are trained on the secure handling of user information. This includes understanding the importance of maintaining the privacy and security of the data they may access.
Regular Security Audits: CFO Lifeline conducts regular security audits and assessments to identify and address potential vulnerabilities. This proactive approach helps maintain a robust security posture.
Incident Response Plan: In the event of a data security incident, CFO Lifeline has an incident response plan in place to promptly assess, contain, and mitigate the impact of the incident. Users will be notified as required by applicable data protection laws.
Data Retention Policies: User information is retained only for as long as necessary to fulfill the purposes outlined in the Privacy Policy or as required by applicable laws and regulations. Once the retention period expires, data is securely deleted or anonymized.
Security: We employ reasonable security practices to ensure that the information is safe and secure with us. However, no information on the internet is 100% safe, and you accept and acknowledge such risk. Also, we will disclose the information so collected for limited purposes as mentioned in this Privacy Policy.

8. Links to other Sites

The Site may contain links to third-party websites and online services that are not owned or controlled by us. We have no control over, and assume no responsibility for such websites and online services. Be aware when you leave the website; we suggest you read the terms and privacy policy of each third-party website, and online service that you visit.

9. California Resident Rights

This privacy notice section for California residents supplements the information contained in our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

“Shine the Light” and “Eraser” Laws: Residents of the State of California may request a list of all third parties to which we have disclosed certain information during the preceding year for those third parties’ direct marketing purposes.

California Consumer Privacy Act (CCPA)/California Privacy Rights Act (CPRA): The CCPA, as amended by the CPRA, provides California residents and/or their authorized agents with specific rights regarding the collection and processing of their personal information.

Your Right to Know: California residents have the right to request that we disclose the following information to you about our collection and use of your personal information over the past twelve (12) months. We may ask you to provide certain information to identify yourself so that we may compare it with our records in order to verify your request. Upon verification, we will disclose to you:

The categories of personal information we have collected about you.
The categories of sources for the personal information we have collected about you.
The specific pieces of personal information we have collected about you.
Our business or commercial purpose for collecting or “selling” your personal information as defined by the CCPA.
The categories of third parties to whom we have sold or shared your personal information, if any, and the categories of personal information that we have shared with each third-party recipient.

Categories of Personal Information We Collect:

Sr. No.	CATEGORY OF PERSONAL INFORMATION	EXAMPLES
1)	Identifiers	Names, phone numbers, email addresses, mailing addresses, IP addresses, user IDs
2)	Personal Information Categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	Names, phone numbers, email addresses, mailing addresses, bank account details, credit card numbers, financial statements, payroll information, tax IDs
3)	Protected Classification Characteristics under California or Federal Law	Age, profession
4)	Commercial Information	Details of transactions and contracts that clients have entered into
5)	Biometric Information	Not collected
6)	Internet or Other Electronic Network Activity Information	Browsing history, search history, interaction with websites, technical data such as IP addresses, login information, user IDs, passwords, security questions
7)	Geolocation Data	Not collected
8)	Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information	Communication records such as emails, chat histories, and phone call logs
9)	Professional or Employment-Related Information	Information about employees including salaries, job titles, employment history
10)	Education Information	Not collected
11)	Inferences Drawn from Other Personal Information	Not collected

Your Right to Opt-Out of “Sale” or “Sharing” of Personal Information: California residents have the right to opt-out of the “sale” or “sharing” of their personal information as defined by the CCPA by contacting us at info@cfolifeline.com.

Please note that we do not knowingly “sell” the personal information of any individuals.

If and where we are “sharing” your personal information with third parties for the purposes of cross-context behavioral advertising or profiling, you may opt-out of such sharing at any time by submitting a request at info@cfolifeline.com.

Your Right to Limit Use of Sensitive Personal Information: California residents may have the right to request that businesses limit the use of any sensitive personal information to those uses which are necessary to perform the Services or for other specifically-enumerated business purposes under the CCPA, as amended by the CPRA. Please note that we do not use sensitive personal information other than as necessary to perform the Services or as specifically permitted under the CCPA.

Your Right to Delete: California residents have the right to request that we delete any of the personal information collected from you and retained by us, subject to certain exceptions. We may ask you to provide certain information to identify yourself so that we may compare it with our records in order to verify your request. Once your request is verified and we have determined that we are required to delete the requested personal information in accordance with the CCPA, we will delete, and direct our service providers to delete your personal information from their records. Your request to delete personal information that we have collected may be denied if we conclude it is necessary for us to retain such personal information under one or more of the exceptions listed in the CCPA.

Your Right to Correct: Under the CCPA, as amended by the CPRA, California residents have the right to request that we correct any inaccurate personal information we maintain about you, taking into account the nature of the personal information and the purposes for which we are processing such personal information. We will use commercially reasonable efforts to correct such inaccurate personal information about you.

Non-Discrimination: You will not receive any discriminatory treatment by us for the exercise of your privacy rights conferred by the CCPA.

To exercise any of your rights, please contact us at info@cfolifeline.com

10. Notice for Nevada Residents

Under Nevada law, certain Nevada residents may opt out of the sale of “personally identifiable information” for monetary consideration to a person for that person to license or sell such information to additional persons.

“Personally identifiable information” includes first and last name, address, email address, phone number, social security number, or an identifier that allows a specific person to be contacted either physically or online.

Please note, we do not sell your personal information to anyone.

11. Rights of users from Florida

At CFO Lifeline, we are committed to protecting your privacy and ensuring the security of your personal information. As part of our compliance with the Florida Information Protection Act (FIPA), this section outlines the rights you have under this data protection law – if and when such act applies to our company. FIPA grants you certain rights concerning the collection, use, and disclosure of your personal information by businesses operating in Florida. We recognize the importance of these rights and aim to provide you with transparency and control over your personal data. Please take a moment to familiarize yourself with the rights described below, which empower you to make informed decisions about your privacy.

Right to Be Informed: You have the right to be informed about how your personal information is collected, used, stored, and shared by businesses under the Florida Information Protection Act (FIPA). This includes receiving clear and concise privacy notices that disclose the types of personal information collected, the purposes for which it is used, and any third parties with whom it may be shared.
Right to Access: You have the right to request access to your personal information held by businesses subject to FIPA. Upon submitting a valid request, businesses must provide you with a copy of your personal information in a commonly used and machine-readable format. This allows you to review the accuracy and completeness of your personal information and understand how it is being processed.
Right to Rectification: If your personal information held by a business is inaccurate or incomplete, you have the right to request its rectification. Upon receiving a valid request, businesses must promptly update or correct your personal information, ensuring that it is accurate and up to date.
Right to Deletion: You have the right to request the deletion of your personal information held by businesses subject to FIPA. Upon submitting a valid deletion request, businesses must delete your personal information, unless retention of the data is required by law or for legitimate business purposes.
Right to Restrict Processing: FIPA grants you the right to request the restriction of processing of your personal information by businesses. This means that businesses must limit the ways in which they use or process your personal information upon receiving a valid request, while still retaining the data. Restrictions may include temporarily suspending processing activities or limiting the purposes for which the personal information is used.
Right to Data Portability: You have the right to request the portability of your personal information held by businesses subject to FIPA. This means that upon submitting a valid request, businesses must provide you with your personal information in a structured, commonly used, and machine-readable format, allowing you to transmit it to another entity if desired.
Right to Opt-Out of Sale: Under FIPA, you have the right to opt-out of the sale of your personal information to third parties. Businesses are required to provide a clear and conspicuous opt-out mechanism for you to exercise this right. Once your opt-out request is received, businesses must refrain from selling your personal information, unless an exception applies under the law.
Right to Non-Discrimination: FIPA prohibits businesses from discriminating against you based on your exercise of your rights under the Act. Businesses cannot deny goods, services, discounts, or any other benefits based on your exercise of your privacy rights, except, where permitted by law.

However, it is pertinent to note that the above rights also come with certain exceptions. For any questions, clarifications, or to exercise any of the rights described above, please contact our designated privacy contact – Abigail Nelson (info@cfolifeline.com). We will promptly review and respond to your requests in accordance with the requirements of FIPA if you are entitled to such right.

12. Rights of users from Illinois

If you are a resident of Illinois, you have certain rights under the Illinois Personal Information Protection Act (PIPA) regarding the collection, use, and disclosure of your personal information by CFO Lifeline. We are committed to upholding these rights, and this section outlines the specific rights granted to you under PIPA:

Right to Know: You have the right to know what categories of personal information we collect about you and the purposes for which we use it. CFO Lifeline is committed to providing transparency regarding the collection and use of your personal information. You can find detailed information about the types of personal information we collect and the purposes for which it is used in this Privacy Policy.
Right to Access: You have the right to request access to the personal information we hold about you. If you wish to exercise this right, please contact us through the methods provided in the “Contact Information” section of this Privacy Policy. We will respond to your request within a reasonable timeframe, as required by law.
Right to Correct: If you believe that any personal information we hold about you is inaccurate or incomplete, you have the right to request corrections. Please contact us with your request, and we will promptly review and update your personal information as needed.
Right to Delete: Under certain circumstances, you may have the right to request the deletion of your personal information. CFO Lifeline will comply with such requests to the extent required by applicable law. However, please note that we may retain certain information for legitimate business purposes or as required by law.
Right to Opt-Out: You have the right to opt-out of the sale of your personal information to third parties, as permitted by PIPA. CFO Lifeline does not sell personal information to third parties.
Right to Non-Discrimination: CFO Lifeline will not discriminate against you for exercising your rights under PIPA. This includes denying you goods or services, charging you different prices, or providing you with a lower quality of service.
Contact Information: If you have any questions, concerns, or wish to exercise your rights under PIPA, please contact us at Abigail Nelson (info@cfolifeline.com). Please include “PIPA Rights Request” in the subject line of your email.

13. Rights of users from other States

Your data controller with respect to the personal information collected on the website is:

Company Name: CFO Lifeline LLC

Entity Type: Limited Liability Company

Registered Office: 777 Brickell Ave Ste 500 Miami Florida 33131

Depending upon the laws of your jurisdiction, you may be eligible for some or all the following rights in respect of your personal information:

Right to obtain information: You may have a right to obtain information about how and on what basis your personal information is processed and to obtain a copy.
Right to rectification: You may have the right to have any incomplete or inaccurate information we hold about you rectified and corrected.
Right of Erasure: You may have the right to erase your personal information in limited circumstances where (a) you believe that it is no longer necessary for us to hold your personal information; (b) we are processing your personal information on the basis of legitimate interests and you object to such processing, and we cannot demonstrate an overriding legitimate ground for the processing; (c) where you have provided your personal information to us with your consent and you wish to withdraw your consent and there is no other ground under which we can process your personal information; and (d) where you believe the personal information we hold about you is being unlawfully processed by us.
Right of restriction: You may have the right to restrict processing of your personal information where: (a) the accuracy of the personal information is contested; (b) the processing is unlawful but you object to the erasure of the personal information; (c) we no longer require the personal information for the purposes for which it was collected, but it is required for the establishment, exercise or defense of a legal claim or (d) you have objected to us processing your personal information based on our legitimate interests and we are considering your objection.
Right to object: You may have the right to object to decisions which are based solely on automated processing or profiling.
Right to ask for a copy: Where you have provided your personal information to us with your consent, you may have the right to ask us for a copy of this data in a structured, machine-readable format and to ask us to share (port) this data to another data controller; or to obtain a copy of or access to safeguards under which your personal information is transferred outside of your jurisdiction.
Right to withdraw your consent. You may have the right to withdraw your consent on using your personal data. If you withdraw your consent, we may not be able to provide you with access to certain specific functionalities of our services.
Request the transfer of your Personal Data. If you so have this right, we will provide to you, or to a third-party you have chosen, your personal data in a structured, commonly used, machine-readable format. Please note that this right may only apply to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

To make such requests, please contact us at info@cfolifeline.com. Please note, we reserve the right to reject the request if you are not entitled to the right that you request to enforce.

14. How do we respond to legal requests?

CFO Lifeline LLC complies with all applicable laws and legal processes. When we receive a legal request, such as a subpoena, court order, or request from law enforcement or other public authorities, we review it carefully and respond in accordance with the law. We may disclose your personal information if we believe it is necessary to comply with a legal obligation, protect our rights, prevent fraud, or ensure the safety and security of our clients and others. We strive to notify you of such disclosures, where permitted by law.

15. Children Privacy

CFO Lifeline LLC does not knowingly collect or solicit personal information from children under the age of 13. Our services and website are intended for use by adults and businesses. If we become aware that we have inadvertently collected personal information from a child under 13, we will take immediate steps to delete such information from our records. If you believe that we might have any information from or about a child under 13, please contact us at info@cfolifeline.com so we can take appropriate action.

16. How can I withdraw my consent? (OPT-OUT)

You have the right to withdraw your consent to the collection, use, and processing of your personal information at any time. To opt-out, you can follow the instructions provided in any promotional emails you receive from us by clicking the “unsubscribe” link at the bottom of the email. Additionally, you can contact us directly at info@cfolifeline.com with your request to withdraw consent. Please include “Opt-Out Request” in the subject line and provide sufficient information for us to identify you and process your request. Upon receipt of your request, we will promptly update our records and cease further use of your personal information as specified. Please note that withdrawing consent may affect our ability to provide you with certain services. If you have any questions or need further assistance, please contact us at info@cfolifeline.com.

17. Governing law and Dispute Resolution

This Privacy Policy and any disputes related to it or our services are governed by the laws of the State of Florida, without regard to its conflict of law principles. If you have any concerns or disputes regarding our handling of your personal information, we encourage you to bring them to our attention by contacting us at info@cfolifeline.com. We will make every effort to resolve your concerns amicably and to your satisfaction.

In the event that a dispute cannot be resolved informally, you agree that any legal action or proceeding relating to this Privacy Policy shall be brought exclusively in the appropriate courts located in Miami-Dade County, Florida. You consent to the jurisdiction of these courts and waive any objections to such jurisdiction or venue.

18. Do you have questions or concerns about this Privacy Policy?

In the event you have any grievance regarding anything related to this Privacy Policy, or with any content or service of CFO Lifeline, in that case you may freely write your concerns through your registered email to Grievance Officer/Designated Representative to below:

Name: Abigail Nelson
Email: info@cfolifeline.com
Postal: 777 Brickell Ave Ste 500 Miami Florida 33131

19. Updates to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make changes to this Privacy Policy, we will revise the “Last Updated” date at the top / bottom of this document. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information.

If we make significant changes to this Privacy Policy, we will notify you either through the email address you have provided or by prominently posting a notice on our website. Your continued use of our services after such modifications will constitute your acknowledgment of the updated policy and your consent to abide by and be bound by the updated terms.

If you have any questions or concerns about changes to this Privacy Policy, please contact us at info@cfolifeline.com.

20. Welcoming of Suggestions

We welcome your suggestions and feedback on how we can improve our Privacy Policy and our services. If you have any comments, questions, or suggestions, please do not hesitate to contact us. Your input is valuable in helping us enhance our privacy practices and better serve you. Please write to us at info@cfolifeline.com.

Last updated on June 14, 2024.