California Privacy Notice (CCPA)
Introduction and Scope
This California Privacy Notice supplements the Ledgerflowworkscom Privacy Policy and applies solely to visitors, users, and others who reside in the State of California ("California consumers" or "you"). We provide this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act (collectively, the "CCPA"). Terms defined in the CCPA have the same meaning when used in this notice.
Categories of Personal Information Collected
In the past twelve (12) months Ledgerflowworkscom may have collected the following categories of personal information from or about California consumers: identifiers (such as IP address and email address when you subscribe); internet or network activity (browsing history on the site, referring URL, time of request); geolocation data at the coarse-grained, city-level resolution derived from IP; commercial information (which newsletters you have subscribed to); inferences drawn from this information (such as aggregated content preferences); and audio or visual information only if you voluntarily submit it (for example, a photo attached to a tip you send through our Contact form).
Sources of Personal Information
Ledgerflowworkscom gathers personal information from three sources only: directly from you (forms you complete on the site); automatically through your device interactions (page requests and cookie state); and indirectly from the service providers we use to operate the website (each of which we contract with under a data-protection agreement). We do not buy or rent personal information from outside parties.
Business and Commercial Purposes
Ledgerflowworkscom processes personal information for clearly defined business purposes: delivering the content you request; sending newsletter editions you have explicitly opted into; replying to messages submitted through our Contact and other forms; producing aggregated reports of site usage for editorial and advertising operations; securing the service against fraud and abuse; and complying with our legal and regulatory obligations under California and other applicable laws.
Disclosure to Service Providers and Third Parties
We disclose personal information to service providers under written contract for the business purposes outlined above. These currently include: our cloud hosting provider; our content-delivery network and edge security provider; our email-delivery vendor (for newsletter distribution); our web-analytics provider; and our advertising network (where ads are displayed). Each service provider is contractually prohibited from retaining, using, or disclosing the personal information for any purpose other than the specific services it provides to us.
Sale and Sharing of Personal Information
We do not sell or share personal information in the manner described by the CCPA — that is, we do not exchange personal information for monetary or other valuable consideration with third parties, and we do not disclose personal information to third parties for the purpose of cross-context behavioral advertising. This has been true for the entire preceding twelve-month period and remains our standing policy.
Sensitive Personal Information
We do not collect or process sensitive personal information as defined by the CCPA for the purpose of inferring characteristics about you. To the extent any sensitive personal information is incidentally collected (for example, if you voluntarily disclose it in a message), we use that information only for the business purpose for which it was provided and not for any additional uses requiring further consent under the CCPA.
Your California Privacy Rights
Under the CCPA, California consumers have the following rights: (1) the right to know what personal information we have collected about you, including the categories of information, the sources, the purposes, and the categories of third parties to which we disclose it; (2) the right to access the specific pieces of personal information we hold; (3) the right to correct inaccurate personal information; (4) the right to request deletion of personal information; (5) the right to opt out of any sale or sharing of personal information (we do not sell or share, but the right exists); (6) the right to limit the use of sensitive personal information; and (7) the right to non-discrimination for exercising any of these rights.
How to Exercise Your Rights
Verifiable consumer requests under the CCPA can be submitted to Ledgerflowworkscom through our Contact form or to the email address shown on the Contact page. To prevent fraudulent access requests, we will verify your identity using reasonable means tied to the data we hold — typically by confirming control of the email address tied to a subscription or by matching identifiers you provide against information already in our records. We respond to verified requests within the 45-day window required by the statute, with one 45-day extension where reasonably necessary.
You may also designate an authorized agent to submit a request on your behalf. We will require the agent to provide written permission from you (or a power of attorney) and may verify your identity directly to confirm the request. Agents acting on behalf of multiple consumers under a single permission must still meet the verification standards required by the CCPA for each consumer represented.
Consumers Under 16 Years of Age
We do not knowingly collect, sell, or share personal information about California consumers under 16 years of age. Our service is directed to adults. Should we ever change this practice (which we do not anticipate), we would do so only with the express opt-in consent required by the CCPA for consumers aged 13 to 15, or with parental opt-in consent for children under 13. Parents who suspect their child's data has been submitted can contact us for prompt deletion.
Right to Non-Discrimination
Ledgerflowworkscom will not discriminate against you for exercising any of your CCPA rights. We will not deny you our service, charge you a different price, provide a different level or quality of service, or retaliate against you in any other way because you submitted a request under the CCPA. Because the service is free and the same for all visitors, there is no financial incentive or differential pricing structure for you to opt into or out of.
Retention of Personal Information
Personal information collected from California consumers is kept by Ledgerflowworkscom only for the period necessary for the purposes described in this notice plus any legally mandated retention period. Concretely: newsletter email addresses are retained for the life of the subscription; contact-form submissions are retained up to 24 months; server logs are kept up to 90 days; non-identifying aggregate analytics may be retained indefinitely.
Changes to This Notice and How to Reach Us
This California Privacy Notice may be updated periodically. The version on this page is always the current version, and the "Last updated" date shows when it took effect. To exercise any CCPA right or to ask a question about this notice, contact Ledgerflowworkscom through the Contact form linked in the footer of every page — that form routes directly to the editor responsible for privacy correspondence.