Last modified: 5th May 2021
This policy describes the types of information iCASHFLOW.bn (“iCASHFLOW.bn.”, “Company” or “We”) may collect from you or that you may provide when you visit and utilize the cashflow management software available through our app. This includes our practices for collecting, using, maintaining, protecting, and disclosing that information and the basis for doing so.
This policy applies to information we collect on the Mobile app, in e-mail, text and other electronic messages between you and this Mobile app and, through mobile and desktop applications you download from services such as the iOS App Store or Google Play Store, which provide dedicated non-browser-based interaction between you and this Mobile app.
We reserve the right to make changes to this privacy policy at any time by giving notice on this page and/or within this Application and/or sending a notice to you via any contact information available to us. It is strongly recommended to check this page often, referring to the date of the last modification listed at the top.
iCASHFLOW.bn relies on a number of legal bases to collect, use, share, and otherwise process the information we have about you for the purposes described in this Privacy Policy. Generally, this includes analytics, user database management, managing support and contact requests, transaction aggregation, hosting and backend infrastructure and infrastructure monitoring.
in order to provide the services and fulfill our obligations pursuant to the Terms of Service. For example, we cannot provide our services without an email address to sign into your account, conduct customer support, or send educational materials; we cannot provide the service without users providing financial information on which a budget is based;
where necessary to comply with a legal obligation, a court order, or to exercise and defend legal claims;
to protect your vital interests, or those of others, such as in the case of emergencies;
where you have made the information public;
where necessary in the public interest;
where necessary for the purposes of iCASHFLOW.bn’s or a third party’s legitimate interests, such as those of visitors, members or partners;
where you provide consent (for example, to join email mailing lists).
providing a quality service and in improving that service;
ensuring the services are secure;
protection against fraud, spam and abuse, etc.;
understanding how clients and visitors interact with our mobile app and services, so that we can continuously improve the experience and effectiveness of doing so.
We collect information about you, including information that directly or indirectly identifies you, through your use of iCASHFLOW.bn. We do so:
when you provide the information, through filling out forms or otherwise providing information on our mobile app;
when we connect to your financial institutions in order to retrieve transaction data on your behalf;
when you use location services to record transactions in our mobile apps;
when you correspond with us to receive customer support via email or chat.
This includes:
Your email address that you provide to us, or that is provided to us by your social media account(s) if you use those for sign-in.
Your IP address when you interact with our mobile app.
When you choose to directly link financial accounts to iCASHFLOW.bn, your login credentials (including usernames and passwords) for the accounts you link to our services, account security and/or challenge questions for those accounts, and other information from the financial accounts that you link to our service (including account balances, transactions and holdings).
Your location when you record a transaction in our mobile applications and have previously activated location services.
Records and copies of your correspondence (including e-mail addresses different than that used to establish your account), if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Mobile app and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Mobile app.
Information that you provide by filling in forms on our Mobile app. This includes information provided at the time of registering to use our Mobile app, subscribing to our service, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Mobile app.
To provide you with customer support or service offerings, including responding to and resolving your inquiries and requests via email or text-based chat. When you request assistance from our customer support team with respect to importing third-party financial account data, to allow a customer support representative to review a limited amount of data from recent transactions for the sole purpose of facilitating technical implementation of the account aggregation services. When asked to do so by you, our customer support representative may utilize that transaction data on your behalf in interactions with third-party financial account providers intended to facilitate implementation of requested account aggregation within our services.
iCASHFLOW.bn collects information as visitors and clients browse and interact with the mobile apps.
When you visit our mobile app, we may place a cookie on your browser so that our system can recognize you when you make a return visit. Third parties may also place cookies on your browser for targeted advertising purposes. That cookie allows us to recognize your browser on a return visit. We do not otherwise collect or process data when you are a Visitor.
To help analyze how you and other visitors navigate iCASHFLOW.bn software, and compile aggregate statistics about site usage and response rates, we, with assistance from third-party analytics service providers (described below), collect certain information when you visit our site. This information includes IP address, geographic location of the device, device type, device language, date and time of your request, time(s) of your use(s), page views and page elements (e.g., links) that you click, and other similar data. We may use cookies, pixel tags, and tracking scripts on our mobile app or in our email messages to assist us in collecting and analyzing such information. We use this information to provide better, more relevant content on our mobile app, to measure the effectiveness of advertisements, to identify and fix problems, and to improve your overall experience on our mobile app.
We do not sell users’ data.
We share data to fulfill the purposes for which you provide it; to enforce or apply our Terms of Service. We may disclose or transfer personal information that we collect or you provide as described in this privacy policy:
To contractors, service providers, and other third parties we use to support our business, in particular providing infrastructure and analytics services, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
With respect to aggregating your banking and other financial accounts, you or we will transmit your account credentials to third-party aggregation partners, who will use them to link, gather and maintain your account balances, transactions, and holdings used to provide our services. By utilizing transaction aggregation services, you acknowledge and agree to the terms of the respective privacy policies of those partners, and you expressly grant aggregation partners the right, power, and authority to access and transmit your information as reasonably necessary to provide the Services to you.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about our Mobile app users is among the assets transferred.
To fulfill the purpose for which you provide it.
In aggregated form, and/or information that does not identify any individual.
For any other purpose disclosed by us when you provide the information with your consent.
We may also disclose your personal information:
To comply with any court order, law or legal process, including to respond to any government or regulatory request.
To enforce or apply our Terms of Service or terms of sale and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of iCASHFLOW.bn, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Categories of services used to process data include:
Infrastructure & Fulfillment
iCASHFLOW.bn partners with third-parties to provide storage and server access that acts as infrastructure for our app. In addition, we partner with third-parties to fulfill payments and transactions in fulfillment of our terms.
Aggregation
iCASHFLOW.bn partners with third-parties to aggregate financial information from your financial institutions when you request it.
Analytics
iCASHFLOW.bn partners with third-parties to help us monitor and analyze mobile app traffic and can be used to keep track of User behavior, helping us to improve the services and experience of using them.
Customer Support
iCASHFLOW.bn partners with third-parties to help us receive, process, and respond to customer support requests, as customer support and education are a core part of the services offered.
Performance and Logging
iCASHFLOW.bn partners with third-parties that assist us in monitoring the stability of the mobile app and resolving issues or errors with the service.
Marketing
iCASHFLOW.bn partners with third-parties to manage receipt of consent to send marketing emails and sending those same emails.
We retain account data for a period of time after an account expires, whether through trial expiration or subscription expiration, unless you delete your account as described below.
Once an account has become inactive beyond the period of time described below, we will delete its budget data – if you don’t need iCASHFLOW.bn, we don’t need your account data, and you probably don’t want us to have it. (Keep in mind that if you cancel your account, it remains active until the end of your subscription. The timeline below doesn’t start until that subscription expires.)
After deletion, we retain your email address in order to be able to confirm deletion of associated data.
In conjunction with a third-party payment processor, we use automated analysis to screen for suspicious or fraudulent transactions.
When we make solely automated decisions that affect you in a legal or a significant way, you have the right to provide your point of view and have those decisions reviewed by a member of our staff.
When you choose to use third party apps (such as Firebase or other OAuth apps based on our API), plug-ins, or websites that integrate with the Services, they may receive your information and content, including your personal information, photos, and your activity data (including private activities). Information collected by these third parties is subject to their terms and policies. iCASHFLOW.bn is not responsible for the terms or policies of third parties.
We have established a number of procedures to help you manage your personal data.
Deletion
You may delete your account by visiting your account settings. This will delete all personal data with the exception of email correspondence. Note that the process to delete all data associated with your account will take up to thirty (30) days, with log files retained for up to eighteen (18) months.
Adjust Notification and Email Preferences
iCASHFLOW.bn offers various ways to manage the communications you receive. You can choose to unsubscribe from emails and lists by following the instructions contained at the bottom of each type of email. Any administrative or service-related emails (to confirm a purchase, or an update to this Privacy Policy or the Terms of Service, etc.) generally do not offer an option to unsubscribe as they are necessary to provide the Services you requested.
Updating Account Information
You may correct, amend, or update your email and/or password at any time by adjusting that information in your account settings. You may cease aggregation of transactions from your financial institutions at any time through the individual account settings in the iCASHFLOW.bn app.
Portability
You can access information that you have shared with us by exporting your budget and transactions history.
Object, Restrict, or Withdraw Consent
You may withdraw consent for processing in the situations described above. Other data processing we conduct is necessary for the fulfillment of our Terms of Service and/or our legitimate interest and/or legal reasons, and deletion of your account and data is required to cease processing.
If you need further assistance, email enquire@livewirebrunei.com