1. Introduction

This Privacy Policy (“Policy”) describes our practices concerning the information we receive or collect when you visit our website located at Midaflow.com (“Website”) or access our online platform through the website of one of our partners (collectively, “Services”). Specifically, it describes the information we collect, how and for which purposes we may use such information, where we store it and for how long we retain the information, with whom we may share it, our use of tracking technologies and communications, our security practices, your choices and rights regarding such information, our policy concerning children, and how to contact us if you have any concerns regarding this Policy or your privacy.

2. Information Collection
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‍We may collect one or more of the following categories of personal information about the visitors to our Website, actual users of our Services and their business vendors or potential users (“Users”) of our Services through the following sources: (i) from your interactions with us when you visit our Website; (ii) from you directly when you contact us or when you request additional information about our Services; (iii) from registrations and other forms when you register for our Services or complete a transaction; or (iv) from your communications, calls to our customer service team or through your other interactions with us.Category of Personal Information CollectedExamplesSources of Personal InformationBusiness Purpose for Collection of Personal InformationIdentifiersName (first and last); Email Address; Phone Number; Business Contact Information; Online Identifier/Username; IP AddressDirectly from our Users; Cookies and Other Online Tracking Technologies; Third Party Partners (including when our Services sync with your accounting software)  Providing our Services, including User Support; Identification; Security; Legal/Compliance IssuesSensitive Personal InformationBanking information, including  security / access / password or other credentials  Directly from our UsersProviding our Services, including User Support; Identification; Security; Legal/Compliance IssuesGeolocation DataGPS/GNSS location data, home/work locationsCookies and Other Online Tracking Technologies;Providing our Services, including User Support; Identification; Security; Legal/Compliance Issues; Improvement of the Performance of Our Services and the User ExperienceAudio, Electronic, Visual, Thermal, Olfactory, or Similar InformationRecordings of User phone calls to usDirectly from our UsersProviding our Services, including User Support; Identification; Security; Improvement of the Performance of Our Services and the User ExperienceCommercial InformationDetails related to transactions, including products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendenciesDirectly from our UsersProviding our Services, including User Support; Identification; Security; Legal/Compliance IssuesInternet, Computer or Other Similar Network ActivityWireless networks, cell towers and Wi-Fi access points; Device/Operating System/Browser; Online Activities/Communications and Performance Logs; Issues/Bugs; and Other User Activities Using Our ServicesCookies and Other Online Tracking TechnologiesImprovement of the Performance of Our Services and the User ExperienceWe do not collect the following categories of personal information: characteristics of protected classifications under California or federal law; biometric information; professional or employment-related information (that is not otherwise publicly available information); education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99); or inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Cookies and Tracking Technologies
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‍Session Trackers. In operating the Website and the Services, we may use cookies and similar session tracking technologies (“Session Trackers”). Session Trackers help provide additional functionality to the Website, customize Users' experiences with the Website and help us analyze Website usage more accurately for research and product development purposes. We (including third parties that we work with) may place Session Trackers on your device for security purposes, to facilitate navigation of the Website or the Services, and to personalize your experience while using our Website or the Services. If you would prefer not to accept Session Trackers when using the Website or the Services, please follow the instructions provided by your website or mobile browser (usually located within the “Help”, “Tools” or “Edit” facility) to modify your Session Tracker settings. Please note that if you disable Session Trackers, you may not be able to access certain parts of our Website or Services and other parts of our Website or Services may not work properly. As a result, we recommend that you leave Session Trackers turned on when accessing the Website or the Services because they allow you to take advantage of some of the Website and Services' features.Web Beacons. In addition to Session Trackers, we may use web beacons (also known as “clear GIFs”), which are transparent graphic images placed on a web page or in an email and indicate that a page or email has been viewed or tell your browser to get content from another server. We use web beacons to measure traffic to or from, or use of, our online forms, tools or content items and related browsing behavior and to improve your experience when using the Website or the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Information in order to provide you with more focused communications.Below are links to the cookie opt-out pages of common web browsers. If your web browser is not listed here, you should review your web browser terms to learn more about your cookie choices.
‍Google Chrome
‍Apple Safari
‍Mozilla Firefox
‍Microsoft Internet Explorer

3. Purposes of Information Use

‍We use your personal information as necessary for the performance of our Services; for complying with applicable law; and based on our legitimate interests in maintaining and improving our Services and offerings, understanding how our Services are used, optimizing our marketing, customer service and support operations, and protecting and securing our users, ourselves, and members of the general public.Specifically, we use Personal Information for the following purposes:To facilitate, operate, and provide our ServicesTo authenticate the identity of our users, and to allow them to access and use our ServicesTo provide our users with assistance and supportTo further develop, customize and improve the Services and your user experience, based on common or personal preferences, experiences, and difficultiesTo contact our users with general or personalized service-related messages (such as password-retrieval); or with promotional messages (such as newsletters, special offers, new features etc.); and to facilitate, sponsor and offer certain events and promotionsTo support and enhance our data security measures, including for the purposes of preventing and mitigating the risks of fraud, error, or any illegal or prohibited activityTo create aggregated statistical data, inferred non-personal data or anonymized or pseudonymized data (rendered non-personal), which we or our business partners may use to provide and improve our respective servicesTo enforce our Terms of Service and any other agreements between you and Midaflow andTo comply with any applicable laws and regulations.We may also use your personal information to provide you with marketing or other promotional communications via mail or email. If, at any time, you would like to stop receiving these promotional e-mails, you may follow the opt-out instructions contained in any such e-mail or by contacting us as set out below. Please note that by opting out, you may prohibit Midaflow from informing you of offerings that may be of interest to you. It may take up to ten (10) business days for us to process opt-out requests.In addition, we may use your personal information to send you messages from time-to-time in order to update you about any events or promotions that we may be running. If you no longer wish to receive these types of communications, you may turn them off on your device.

4. How We Share Your Information in Connection with the Services
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‍We do not sell your personal information. However, we may share your personal information in order to provide our Services, with the following categories of recipients:

Payors and Payees. In connection with the Midaflow Services, we may share some of your personal information with the business with which you are transacting in order to effect your transaction. We may also share certain information (e.g. business contact information) regarding payees provided by our Users with other Users in order to complete quicker transactions.

Your Service Providers. If you access our online platform through the website or platform of one of Midaflow's partners, then we may share your personal information with that partner. In addition, if you sync third party services such as accounting software services to your Midaflow account, we may share your personal information with the applicable third-party service provider.

Midaflow Service Providers. We may engage selected third party companies and individuals to perform services complementary to our own or to support our business functions (e.g. hosting and server co-location services, data analytics services, marketing and advertising services, data and cyber security services, fraud detection and prevention services, payment processing services, e-mail and SMS distribution and monitoring services, session recording, and our business, legal and financial advisors) (collectively, “Service Providers”). These Service Providers may have access to your personal information, depending on each of their specific roles and purposes in facilitating and enhancing our Services, and may only use it for such purposes.

Subsidiaries and Affiliated Companies. We may share personal information internally within our family of companies, for the purposes described in this Privacy Policy.

Business Transfers. Should Midaflow or any of its affiliates undergo any change in control, including by means of merger, acquisition, or purchase of substantially all of its assets, your personal information may be shared with the parties involved in such event. If we believe that such change in control might materially affect your personal information then stored with us, we will notify you of this event and the choices you may have via e-mail or prominent notice on our Services.

Legal and Regulatory Authorities. We may provide legal and regulatory authorities access to your personal information, including to respond to a subpoena or court order, judicial process, or regulatory inquiry; to defend against fraud, lawsuits, claims or other liabilities; to prevent physical harm or financial loss in connection with any suspected or actual illegal activity; or where we have a good faith belief that we are legally compelled to do so.