PRIVACY POLICY

PRIVACY POLICY

Website: UltiCashFlowApp.com

Excel Workbook: UltiCashFlow and associated materials
Operated by ER Squared, Inc.
Effective Date: Jan 01, 2026

1. Overview

This Privacy Policy explains how ER Squared, Inc. collects, uses, and protects personal information.  As the workbook portion of Services, are Excel workbook(s) residing on your computer, you are in control and fully responsible for the access to and privacy of all data entered into the workbook(s).

2. Information We Collect
A. Information You Provide

  • Name
  • Email address
  • Business name
  • Billing information

C. Automatically Collected

    • IP address
    • Browser/device info
    • Usage data
    • Cookies

3. How We Use Information

We use information to:

    • Provide and improve the Service
    • Process payments
    • Provide customer support
    • Send service communications
    • Prevent fraud
    • Comply with legal obligations

    We do not sell personal information.

4. Legal Bases for Processing (GDPR)

For users in the EU/UK, we process personal data under:

  • Contractual necessity
  • Legitimate business interests
  • Legal obligations
  • Consent (where required)

We may suspend or terminate accounts that violate these Terms.

5. Data Sharing

We may share data with:

  • Payment processors
  • Cloud hosting providers
  • Analytics providers
  • Legal authorities if required

All vendors are contractually required to protect data

Failure to pay may result in suspension or termination.

CALIFORNIA PRIVACY RIGHTS (CCPA / CPRA)

If you are a California resident, you have the right to:

  • Know what personal information we collect
  • Access your personal information
  • Request deletion (subject to exceptions)
  • Correct inaccurate information
  • Opt out of sale or sharing (we do not sell data)
  • Limit use of sensitive personal information

To exercise rights, contact:  [email protected]

We will verify your identity before fulfilling requests.

We will not discriminate against you for exercising your rights.

GDPR RIGHTS (EU/UK)

If you are located in the European Union or United Kingdom, you have the right to:

  • Access your personal data
  • Rectify inaccurate data
  • Erase data (“right to be forgotten”)
  • Restrict processing
  • Data portability
  • Object to processing
  • Withdraw consent

Requests may be submitted to: [email protected]

You may also lodge a complaint with your local Data Protection Authority.

International Data Transfers

Data may be transferred to and processed in the United States.

Where required, we rely on:

  • Standard Contractual Clauses (SCCs)
  • Appropriate safeguards

Data Retention

We retain personal data:

  • As long as necessary to provide services
  • As required by law
  • For legitimate business purposes

As the workbook portion of Services, are Excel workbook(s) residing on your computer, you are in control and fully responsible for handling, backup, retention, and management of all data entered into the workbook(s).

Security

We implement reasonable security measures including encryption and access controls. As the workbook portion of Services, are Excel workbook(s) residing on your computer, you are in control and fully responsible for the security of your computer and all files residing on it.

Children's Privacy

Not intended for individuals under 18.

Updates to This Policy

We may update this policy periodically.

Contact

ER Squared, Inc.
[email protected]

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