Privacy Policy

Last Updated: Dec 12, 2023

CogniVoice Technologies LLC (FinOpps, “we”, “us” and terms of similar meaning) provides this web sites [www.FinOpps.com and www.FinOpps.app] and the services provided by or through this web site to you subject to these terms and conditions of use. These terms and conditions of use together with the FinOpps Privacy Policy (collectively, the “Terms”) govern your use of this web site and the services provided.

This is the Privacy Policy of (i) the FinOpps websites: https://www.finopps.com and https://finopps.app (the “Site”), (ii) any other website where this Privacy Policy is hosted that is owned and operated by CogniVoice Technologies LLC (together with our affiliates and subsidiaries and any future affiliates or subsidiaries, (FinOpps, “we”, “us”, “our” and terms of similar meaning) (such other websites are, for purposes of this Privacy Policy included in the definitions of “Site”); and (iii) our related products and services. It describes the information that we collect from you as part of the normal operation of our Site, and how we disclose and secure this information. It also describes your choices regarding use, access and correction of your personal information.

By accepting the Privacy Policy in registration or by visiting and using the Site, you expressly consent to our collection, use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to our Terms of Service.

In this Privacy Policy, we use the following terms to describe different types of visitors to our Site. Our customers are called “Subscribers” and our Subscribers’ customers are called “Customers”. We use the word “staff” to describe persons to whom Subscribers give “staff” access on the Site. Together with registered users of our forum or other interactive areas of the Site, these people are collectively described in this Privacy Policy as “Users” of our Site.

FinOpps may also provide other web sites and software, including without limitation freeinvoicecreator.com, and the services provided by or through such web sites and software. These Terms also govern your use of such web sites, software and services which, for purposes of these Terms (and the FinOpps’ Privacy Policy referred to in Section 1 below) are included in the definitions of “Site”, “Application” and “Services”.

What Information Do We Collect?

Our primary purpose in collecting personal information from you is to provide you with a safe, smooth, efficient, and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our service to make your experience safer and easier. We only collect personal information about you that we consider necessary for achieving this purpose.

In general, you can browse the Site without telling us who you are or revealing personal information about yourself. Once you become a User, we may require you to provide various contact and identity information, billing information, and other personal information as indicated on the relevant forms on the Site (which vary, depending on what kind of User you are). Where possible, on these forms we indicate which fields are required and which fields are optional.

In addition, as you use the Site, you can from time to time enter or send to us personal information. For example, if you are a Subscriber, you can enter your own timesheet and other billing information, and if you are a Customer you can enter information about payment of any invoice submitted by a Subscriber. As you use the Site you can also from time to time enter personal information about third parties relevant to the services we provide. For example, if you are a Subscriber, you can (within the context of the services) enter personal information about your Customers or your staff.

You always have the option to not provide information by choosing not to become a User or by not using the particular feature of the Site for which the information is being collected.

If you are a Subscriber, we collect your credit card information for billing purposes. And if you are a Customer who wishes to pay amounts to a Subscriber on a recurring basis, we collect and store your credit card information for payment purposes.

Some of our pages where personal data is collected utilize framing techniques to serve content to you from our partners while preserving the look and feel of our site. Please be aware that you are providing your personal information to these third parties and not to staging-web-k8s.freshenv.com (in each case the relevant third party will be identified to you via that section of the website).

We also make use of third party companies to process personal information as needed for marketing or analytical purposes that enhance our existing services and programs.

Technologies such as: cookies and similar technologies are used by FinOpps and our partners (e.g., advertising, marketing and analytics), affiliates, or other service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies to remember users’ settings, store login addresses, authenticate users, run website experiments, and store analytics data. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may set your preferences by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

We, or our designated third party service provider, may from time to time contact you by telephone. Such calls may as indicated by us, and with your consent, be monitored, recorded, stored and used for the purposes specified in such calls.

How We Use Your Information

We use your personal information to provide to you the services offered by the Site; resolve service and billing disputes; troubleshoot problems; bill any amounts due from you; measure consumer interest in our products and services, inform you about online and offline offers, products, services, events and updates; deliver information to you that, in some cases, is relevant to your interests, such as product news; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our Terms of Service; provide you with system or administrative messages, and as otherwise described to you at the time of collection. On occasion we use email address or other contact information to contact our Users to ask them for their input on our services, to forward to them media opportunities, and even to invite them to dinner.

We may also use personal information about you to improve our marketing and promotional efforts, to analyze Site usage, to improve our content and product offerings, and to customize the Site’s content, layout, and services. These processes include automated decision-making and profiling information. The intention of the usage is to improve the Site and the FinOpps application and better tailor it to meet your needs, so as to provide you with a smooth, efficient, safe and customized experience while using the Site.

Sharing of Your Information

We will share or disclose your personal information with third parties only in the ways that are described in this privacy policy, including as follows:

Subscribers and Customers Information: In the normal operation of the Site Subscriber timesheets (including information entered by “staff” members) and invoices are disclosed to the applicable Customers, and Customer information is disclosed to the applicable Subscriber. In general, information you enter on the Site is available to the other persons – whether they are Customers, Subscribers, staff members or others – to whom you give access to your account or to whom you give access to the information through the normal operation of the Site.

Payment Information: We use credit card and other personally identifiable information (such as payment processor email addresses) you submit to us on the Site, and other information that we collect, as required, to process payments you make through the Site through our payment processor intermediaries. We do not store credit card or other payment method information unless the Subscriber or their Customers choose to enter credit card information for use in the FinOpps recurring profiles module; in all other cases our payment processors have the sole and complete responsibility for the storage of credit card and payment information. We may also share personally identifiable information with our payment processor intermediaries for risk management and fraud prevention.

Related third party products and services: From time to time, we may offer you opportunities to receive related products and services that integrate with, or complement, the services we offer via the Site. For example, you may have the opportunity to request financial products or services, including loans, from third parties. We will only share your information with such third parties if you choose to request their products or services (or to be assessed for eligibility to receive such products or services). If you do choose to request such products or services, we will provide your information to the relevant third party on your behalf, as required to provide the products or services you have requested. We do not control the use, storage, retention, processing, or disclosure of your information by such third parties, and this Privacy Policy will not apply to them. Your relationship with these third parties will generally be subject to their separate terms and conditions as well as privacy policies or statements, and we recommend that you carefully review these documents before requesting their products or services.

Aggregated Data: We will create statistical, aggregated data relating to our users and the Service for analytical purposes. Aggregated data includes data derived from Personal Information and obtained by FinOpps from other sources in aggregated, anonymous form and does not identify any individual (such data is referred to as “Aggregate Information”). Subject to applicable laws and regulations, we use Aggregate Information to understand our customers and to develop, improve and/or market our Services. We may provide Aggregate Information to third parties.

Forum: If you post on our forum or blog your username and other information you include is displayed in your postings or comments, and is therefore available to the public. All of your activities in the public areas of the forum will be identifiable to your User ID, and other people can see your published content. If you disclose personal information in any posting in our forum or blog and wish to have it removed, please contact us at the support contact information listed below, and posted on the Site. Our blog commenting system is also managed by a third party application that may require you to register to post a comment. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party commenting application uses your information, please review their privacy policy.

Subsidiaries, Affiliates, and Service Providers: We may from time to time use the services of affiliates, subsidiaries and unrelated service providers in the operation of the Site, and may disclose personal information to them in the course of our use of their services. For example, we may use the services of third party hosting companies to host the operation of the Site. This may involve the hosting of data, including personal information, on servers operated by those hosting companies. We take care to use only service providers that we believe are reputable, have equivalent or better security safeguards in place than us, and able to live up to our and your expectations, including about the handling of confidential information. These companies are authorized to use your personal information only as necessary to provide these services to us.

Legal Requests and Business Transitions, Emergencies: In certain situations, FinOpps may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. FinOpps may disclose your personal information (a) to any governmental authority as part of an investigation to determine our compliance with any applicable law, rule, or regulation (including privacy laws, rules, and regulations), (b) in response to a court order, subpoena, discovery request, or other lawful judicial or administrative proceeding, (c) as otherwise required or permitted under any applicable law, rule, or regulation, and (d) in good faith, to protect or defend the rights or property of FinOpps and other users and (e) if FinOpps is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

FinOpps will not purchase consent, or sell, rent or share consent to opt-in to our mobile SMS/texting program.

For further details on the specific third party usage of our data, including a list of the partner organizations with whom Aggregate Information may be shared, please reach out to our team at hello@FinOpps.com.

Your Use of Other Persons’ Information

In order to facilitate the services provided by the Site, the Site allows you in certain circumstances to give other Users limited access to the personal information of other persons. For example, if you are a Subscriber, you may use the Site to give access to a staff member to the personal information of your Customers. By entering into our Terms of Service, you agree that, with respect to the personal information of other persons that you collect, use and disclose on the Site, you have all necessary consents and rights to collect, use and disclose that information as described in this Privacy Policy from time to time, and you agree that the indemnity you give to us in the Terms of Service applies to any non-compliance by you with the foregoing.If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. FinOpps stores this information for the sole purpose of sending this one-time email, tracking the success of our referral program, and compliance with laws. Your friend may contact us at hello@FinOpps.com to request that we remove this information from our database.

Other Information Collectors

Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties through the Site, whether they are Subscribers or Customers or otherwise, different rules may apply to their use, collection and disclosure of the personal information you disclose to them. Since we do not control the information use, collection or disclosure policies of third parties, you are subject to their privacy policies. We encourage you to ask questions before you disclose your personal information to others.

Consent for Withdrawal

We provide you a way for you to withdraw your information being processed for individuals within the European Economic Area (EEA) and the State of California.

Contact us at hello@FinOpps.com to initiate the steps required. We will verify your information prior to processing and proceed with the steps necessary within the applicable laws and regulations.

If you are not a resident of the EEA or the State of California but wish to no longer be subscribed to emails or direct mail campaigns, please reach out to our support team at hello@FinOpps.com

Correcting, Updating, and Transferring Your Personal Information

Upon written request FinOpps will provide you with information about what personal information we have about you. To review, delete, and update your personal information to ensure it is accurate, you may login into your account to make the changes, or you may contact us at hello@FinOpps.com. We will respond to your request within a reasonable timeframe, and typically within one month of the request being made. We may ask you for further information from you to help us respond to your request, including asking for government-issued identification to verify your identity before we provide the personal data. If you are a EEA resident requesting the porting or an export of your information, you may reach out to us at hello@FinOpps.com and we will proceed with the steps necessary.

Account Deletion

FinOpps is a complex business network that connects millions of users. FinOpps manages a business eco system that brings together contractors, companies and customers. This network relies on the exchange and sharing of information that is important to others in your network. Tracked hours, sent invoices, paid invoices, contractor invoices are all vital to other people that work with you. These are the official history of work done and moneys paid. The complexity and connected nature of the system requires that this history exists for as long a time as necessary to accommodate proper function and accounting for the other systems that you have connected to via contracting hours, invoices, estimates. FinOpps will reasonably assure that information, where it is no longer required for the proper functioning of the service, will be deleted in a compliant manner and will consider any deletion request within the requirements of applicable law.

When a customer chooses to close an account we will remove your information from our marketing and billing systems. This will ensure that there are not further mailings or billings directed towards the canceled user.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services.

Our goal is to retain your information as necessary to comply with our legal obligations and accepted accounting principles, resolve disputes, and enforce our agreements; this retention period may extend past the point at which you close your account.

The criteria that will be for determining periods of retention will be based on the type of data. For example, data relevant to accounting information will be retained for at least 7 years, whereas temporary cookie data of a web visitor may not be retained at all.

Data Retention

International Transfer of Personal Information

Other than as specified within this Policy, we do not share your personal information with third parties. Where we do transfer your personal information to third parties or service providers, appropriate arrangements will be made in order to ensure correct and secure data processing in compliance with applicable data protection law.

We store personal information about Website Visitors and Subscribers within Canada, the United States and in other countries and territories. To facilitate our global operations, we may transfer and access such personal information from around the world, including from other countries in which FinOpps has operations. Therefore, your personal information may be processed outside of the UK, the EEA and in countries which are not subject to an adequacy decision by the UK Secretary of State or the European Commission and which may not provide for the same level of data protection as the UK or the EEA.

In this event, we will ensure that the recipient of your personal information offers an adequate level of protection, for instance by entering into standard contractual clauses for the transfer of data as approved by the European Commission (Art. 46 GDPR), or we will ask you for your prior and explicit consent to such international data transfers.We have implemented safeguards to ensure an adequate level of data protection where your personal information is transferred to countries outside the EEA. For further details on the transfer of your personal information, including a list of the organizations with whom said information may be shared, please reach out to our team at hello@FinOpps.com.

Security Safeguards

For more details on how we protect your data, please see ourhttps://www.FinOpps.com/security page.

Supplemental Policy Information

Invitations:

You have the opportunity to invite others to work with you through your FinOpps account. To do that, FinOpps asks you to import or to manually enter your contacts’ email addresses. As you direct, we then send them an invitation on your behalf or other notices reflecting changes you make to their status in your account.

If you click on a link to a third party site, you will leave the FinOpps site and go to the site you selected. If you elect to use a third party product or service in conjunction with FinOpps, you yourself enter into a license agreement with the third party for use of their product or service and their use of your data. This will be notified to you at the relevant time. Because we cannot control the activities of third parties, we cannot accept responsibility for any use of your personal information by such third parties, and we cannot guarantee that they will adhere to the same privacy practices as FinOpps. We encourage you to review the privacy policies of any other service provider from whom you request services. If you visit a third party website that is linked to a FinOpps site, you should read that site’s privacy policy before providing any personal information.

With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at hello@FinOpps.com.

Our Web site includes Social Media Features, such as the Facebook and Twitter buttons and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Residents of Canada

Personal information (as the term is defined in the Personal Information Protection and Electronic Documents Act of Canada (“PIPEDA”)) will be collected, stored, used and/or processed by the FinOpps in compliance with the FinOpps’s obligations under PIPEDA.

California Residents

The California Consumer Privacy Act (“CCPA”), which is effective as of January 1, 2020, regulates how we handle personal information of California residents and gives California residents certain rights with respect to their personal information.

FinOpps is both a “business” and a “service provider” under the CCPA. The following supplemental privacy policy applies to information we collect in our role as a business—this is when we interact directly with you.

When we act as a service provider (for example, by providing our services to another company that you interact with), we follow the instructions of the business that engaged us with respect to how we process your personal information. If you would like more information about how your personal information is processed by other companies, including companies that engage us as a service provider, please contact those companies directly.

This supplemental privacy policy is effective as of January 1, 2020, shall apply only to residents of California, and may be subject to change. The general privacy policy shall continue to apply to the extent that it applies to you as a resident of California. If you are a resident of California, we are required to disclose certain uses and disclosures in a certain format, as well as to inform you of certain rights you may have. Any capitalized terms used in this supplemental privacy policy shall have the same meaning as in the general privacy policy.

European Economic Area (EEA) and United Kingdom (UK) Visitors

If you are a visitor from the European Economic Area (“EEA”) or the United Kingdom (“UK), our legal basis for collecting and using the personal information described above will depend on the personal information concerned and the specific context in which we collect it.

However, we will normally collect personal information from you only where we need the personal information to perform a contract with you (e.g. to provide you with our Services), where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or where we have your consent. In some cases, we may also have a legal obligation to collect personal information from you.

If we ask you to provide personal information to comply with a legal requirement or to perform a contact with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time why we need to use your personal information. If we process personal information in reliance on your consent, you may withdraw your consent at any time.

If you have questions about, or need further information concerning, the legal basis on which we collect and use your personal information in any specific instance, please contact us using the contact details provided under the “Contact Us” section below.

In the UK, FinOpps provides you with regulated account information services as an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Registration Number: 804718) for the provision of payment services, including account information services.

Notification of Privacy Statement Changes

We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Complaint Process with Supervisory Authority

If you are dissatisfied with our handling of a complaint or do not agree with the resolution proposed by us, you may make a complaint to the Dutch Data Protection Authority (“Dutch DPA”) by contacting the Dutch DPA using the methods listed on their website at https://www.autoriteitpersoonsgegevens.nl/. Alternatively, you may request that we pass on the details of your complaint to the Dutch DPA directly.If you are based in the UK, you can contact the UK Information Commissioner’s Office (“ICO”) at https://ico.org.uk/make-a-complaint/. Alternatively, you may request that we pass on the details of your complaint to the ICO directly.

Contact Us

It is our goal to make our privacy practices easy to understand. If you have questions, concerns or if you would like more detailed information, please email our data protection representatives at:

FinOpps Privacy Team

25 Veterans Plz, #53

Bergenfield, NJ 07621 USA

SKI-FINOPPS (754-346-6777) (phone)

hello@FinOpps.com