By accessing and using this website, you consent to the collection and use of your information through cookies and other tracking technologies in accordance with our use policies and applicable data privacy laws.
We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner.
We collect, use and are responsible for certain personal information about you. When we do so we are subject to various laws in the United States and the General Data Protection Regulation which applies across the European Union (including in the United Kingdom), and we are responsible as “controller” of that personal information for the purposes of those laws
It would be helpful to start by explaining some key terms used in this policy:
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We, us, our |
Cedars Business Services, LLC |
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Our representative |
Attn: Compliance Department Email: customersupport@cedarsbiz.com Address: 5230 Las Virgenes Rd., Suite 210 Calabasas, CA 91302 |
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Our data protection officer |
Attn: Data Protection Officer Compliance Department Address: 5230 Las Virgenes Rd., Suite 210 Calabasas, CA 91302 Email: customersupport@cedarsbiz.com |
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Personal information |
Any information relating to an identified or identifiable individual. |
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Special category personal information |
Personal information revealing racial or ethnic origin, political opinions, religious beliefs, philosophical beliefs or trade union membership; Genetic and biometric data; Data concerning health, sex life or sexual orientation. |
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Site |
“Site” refers to Cedars Business Services, LLC’s website(s), payment processing website, and our consumer portal. |
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Cedar Parties |
Us and our agents, employees, assigns, contractors, and subcontractors (collectively “Cedar Parties”) |
Controller: Has the meaning given in applicable data protection laws from time to time.
Data Protection Laws: Means any applicable law relating to the processing, privacy and use of Personal Data, as applicable to either party or the Services, including:
Data Protection Supervisory Authority: Means any regulator, authority or body responsible for administering data protection laws
Data Subject: Has the meaning given in applicable data protection laws from time to time
GDPR: Means the General Data Protection Regulation (EU) 2016/679
International Organization: Has the meaning given in the GDPR
Personal Data: Has the meaning given in applicable data protection laws from time to time
Personal Data Breach: Has the meaning given in the GDPR
Processing: Has the meaning given in applicable data protection laws from time to time (and related expressions, including process, processing, processed, and processes shall be construed accordingly)
Processor: Has the meaning given in applicable data protection laws from time to time
Protected Data: Means personal data received from or on behalf of the Client customer, or otherwise obtained in connection with the performance of the supplier’s obligations under this agreement
Sub-Processor: Means any agent, subcontractor, or other third party engaged by the supplier (or by any other sub-processor) for carrying out any processing activities in respect of the protected data
Sensitive Personal Data: Sensitive personal data includes information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health, or data concerning a natural person’s sex life or sexual orientation.
Data Protection Officer (DPO): A Data Protection Officer is a person appointed to oversee a company’s data protection strategy and its implementation to ensure compliance with GDPR requirements.
Data Breach: A security incident that results in accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data transmitted, stored, or otherwise processed.
Data Portability: The right of a data subject to receive the personal data concerning them, which they have provided to a controller, in a structured, commonly used, and machine-readable format and have the right to transmit those data to another controller without hindrance.
Data Minimization: The principle that personal data collected and processed should be adequate, relevant, and limited to what is necessary in relation to the purposes for which they are processed.
Data Subject Rights: The rights granted to data subjects under data protection laws, including the right to access, rectify, erase, restrict processing, object to processing, and data portability.
Third Country: A country outside the European Economic Area (EEA) that is not subject to the GDPR.
You can examine cedarsbiz.com without providing any information whatsoever, however, certain information such as identifiers, geolocation data, and device/system information, as further described below, is collected in accordance with our use policies below. Cedarsbiz.com’s email information request function requires users to give us contact information. This information is used to provide information for those who inquire about our products and services and to handle related business matters. This information is also used to get in touch with you when necessary. We may collect and use the following personal information that identifies, relates to, describes, is reasonable capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:
We collect and process personal data only for specific, explicit, and legitimate purposes. We ensure that the data collected is adequate, relevant, and limited to what is necessary for these purposes.
If you are under 13, please do not provide any personal information without parental consent. We comply with COPPA and require parental consent for collecting data from children under 13.
Access: You have the right to request access to the personal data we hold about you.
Correction: You can request that we correct any inaccuracies in your personal data.
Deletion: You can request that we delete your personal data under certain circumstances.
Opt-Out: You can opt out of data processing activities, including targeted advertising.
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Categories of Personal Information |
Specific Types of Personal Information Collected |
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Identifiers (e.g., real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers) |
Real name, email address, phone number, postal address, Social Security number, date of birth, and all data you enter using the Site. |
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Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
Name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. We do not log bank account numbers or credit card numbers used on our Site. |
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Commercial information |
Personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
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System, internet, or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, or application) and cookies |
Browsing and search history on our Site, time you spend on our site, pages, and sections you view on our Site, length of visits to pages, mobile applications you use, and device information, including location, Internet protocol (IP) address, screen resolution, device type, device and advertisement identifiers, browser type, and operating system, the date and time of your visit, information about the links you click and pages you view within the Sites, e-mail address used, browser time zone, and page activity information. |
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Geolocation data |
We collect your location information through your device IP address available through your device. |
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Audio information |
We collect identifiers and information that identifies, relates to, describes, or is capable of being associated with, a particular individual, through recorded phone calls with our office. |
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Professional or employment-related information |
Title/position, company name, earnings, and related information. |
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Educational information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA) |
Information about the university, college other institutions you have or are attending, tuition, financial information, degree or level of education, and related information. |
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Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes |
We may use the information identified above to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
The provision of certain personal information is mandatory to enable us to provide our products and services to you. If you do not provide this mandatory information when we ask for it, it may delay or prevent us from providing products and services to you. Other personal information may be optional, and you can choose whether to provide it.”
We collect most of this personal information directly from you, by telephone, email and/or via our website. However, we may also collect information:
Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.:
A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights.
This can include, for example, using your information to:
The table below explains what we use (process) your personal information for and our reasons for doing so:
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What we use your personal information for |
Our reasons |
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To provide products and/or services to you. |
For the performance of our contracts with clients or to take steps at your request. |
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To prevent and detect fraud against you or our organization. |
For our legitimate interests or those of a third party, i.e. to minimize fraud that could be damaging for us and for you. |
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Conducting checks to identify individuals with whom we transact business and verify their identity. Screening for financial and other sanctions or embargoes. Other processing necessary to comply with professional, legal and regulatory obligations that apply to our business, e.g. under health and safety regulation or rules issued by our regulators. |
To comply with our legal and regulatory obligations. To comply with our legal and regulatory obligations. To comply with our legal and regulatory obligations. |
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Gathering and providing information required by or relating to audits, inquiries or investigations by regulatory bodies. |
To comply with our legal and regulatory obligations. |
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Ensuring business policies are adhered to, e.g. policies covering security and internet use. |
For our legitimate interests or those of a third party, i.e. to make sure we are following our own internal procedures so we can deliver the best service to you. |
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Operational reasons, such as improving efficiency, training and quality control. |
For our legitimate interests or those of a third party, i.e. to be as efficient as we can. |
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Ensuring the confidentiality of commercially sensitive information. |
For our legitimate interests or those of a third party, i.e. to protect trade secrets and other commercially valuable information. |
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Statistical analysis to help us manage our business, e.g. in relation to our financial performance, customer base, product range or other efficiency measures. |
For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price. |
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Preventing unauthorized access and modifications to systems. |
For our legitimate interests or those of a third party, i.e. to prevent and detect criminal activity that could be damaging for us and for you. |
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Updating and enhancing customer records. |
For the performance of our contract with clients or to take steps at your request. To comply with our legal and regulatory obligations. |
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Ensuring safe working practices, staff administration and assessments. |
To comply with our legal and regulatory obligations. |
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Credit reference checks via external credit reference agencies. |
For our legitimate interests or those of a third party, i.e. to review credit reports for information that will aid in the services we offer our clients. |
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External audits and quality checks, e.g. for accreditation and the audit of our accounts. |
For our legitimate interests or those of a third party, i.e. to maintain our accreditations so we can demonstrate we operate at the highest standards. To comply with our legal and regulatory obligations. To comply with our legal and regulatory obligations. |
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When you visit this Site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. |
Functional cookies: These cookies enable this Site to provide enhanced functionality and personalization. They may be set up by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all these services may not function properly. Analytics cookies: These cookies track and gather data about what a user does on a website. These cookies are not essential for our website or its functionality to work. Google Analytics cookies: They are classified as first party cookies as they are set by our website domain, although Google collects and processes information from our use of Google Analytics. To find out more about how Google handles information collected from Google Analytics, see Google Analytics’ privacy policy. For information on how Google uses data from cookies it uses, please visit Google’s Privacy Policy. Essential cookies: These are the cookies which are strictly necessary for our Site to be able to operate or to provide you with a service on our Site which you have requested. |
We may use your personal information to send you updates (by email, text message, telephone, or post) about your account with our organization. If you provide us with a telephone number and/or e-mail address, you are consenting to receive auto dialed, prerecorded/artificial voice message calls at that number, or e-mail messages at that e-mail address, from us or from third parties that work for us, even if the number you provide is for a wireless telephone and/or using that number results in charges to you. Calls with Cedar Parties may be monitored or recorded.
Cedar Parties will use your e-mail address(es) in accordance with the Site Terms and Conditions. This includes, but is not limited to, account changes, invoices, debt collection purposes, required legal disclosures, details of your account, and the like. However, this does not mean that e-mail will be used as an exclusive means of communication and Cedar Parties may use other information provided by you to communicate with you. Because e-mail continues to evolve, there may be risks with communicating in this manner, including risks related to confidentiality and security.
You may have the right to receive certain information and documents in paper or non-electronic form. If you want to withdraw consent to receive documents and information by e-mail, Cedar Parties may not be able to communicate with you.
By providing your cell phone number or confirming or updating your contact information using this Site and taking an active opt-in to text messaging action via checkbox, you agree to receive SMS text messages on your mobile device. By agreeing to receive SMS messages from Cedar, you certify that you are over 18 years of age and (a) you are the mobile account holder or (b) you have the account holder’s permission to enroll the designated mobile phone number and can incur any mobile message or data charges. You agree that you are solely responsible for all message and data charges that apply to use of your mobile device to access this Site or use of a mobile application. All such charges are billed to and payable to your mobile service provider. Please contact your participating mobile service provider for pricing plans, participation status and details. You understand that wireless through Wi-Fi or a participating mobile service provider may not be always available in all areas and may be affected by product, software, coverage or other service changes made by your mobile service provider or otherwise.
We have a legitimate interest in processing your personal information for debt-collection purposes (see above “How and why we use your personal information”). This means we do not usually need your consent to attempt to communicate with you. However, where consent is needed, for example sending you text messages, we will ask for this consent separately and clearly.
We will always treat your personal information with the utmost respect and never sell it to other organizations for marketing purposes
We may ask you to confirm or update your preferences if you instruct us to provide further products and/or services in the future, or if there are changes in the law, regulation, or the structure of our business.
We may share personal information with the following, if permissible by applicable law, to operate our business and provide our products and services.
We only allow our service providers to handle your personal information if we are satisfied, they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, e.g. in relation to accreditation and the audit of our accounts.
We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.
We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. We will typically anonymize information, but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.
The above excludes text messaging originator opt-in data and consent; this information will not be shared with, or sold to, any third parties
We may share personal information with the following, if permissible by applicable law, to operate our business and provide our products and services.
We only allow our service providers to handle your personal information and if we are satisfied, they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, e.g. in relation to accreditation and the audit of our accounts.
We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.
We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. We will typically anonymize information, but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.
We do not sell personal information,. In the preceding 12 months, we have disclosed for a business purpose to one or more third parties who help us provide our services, including, but not limited to, payment processing, mailing, information verification, managing and enhancing customer data, and improving our product and services. For employees, we disclose information with Vendors who help us with employee related services such as, but not limited to, payroll, benefits, and annual background checks requirements.
When we disclose information, we require those Vendors to handle it in accordance with relevant laws. If you authorize, we also may disclose your email or other information you permit with our affiliates to provide information about other products and services. When disclosing we only provide the minimum amount of information necessary for the particular Vendor to assist us in providing our services.
We may also be required by law to provide your information to local, state or federal government authorities or courts. We will only disclose information in these instances when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer all personal information we collect to the relevant third party. We may also disclose any category of personal information to third parties for any of the following business purposes:
We may disclose generic aggregated demographic information not linked to any personal information with our clients, potential clients, and federal, state and local regulators regarding visitors and users, and their interaction with our products and services.
Information may be held at our offices and if permissible by law, those of our service providers, representatives and agents as described above (see above: “Who We Share Your Personal Information with”). Some of these third parties may be based outside the European Economic Area. For more information, including on how we safeguard your personal information when this occurs, see below: “Transferring Your Personal Information Out of the EEA”.
We will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law. When assessing these periods, we retain it for the shortest possible period unless a longer retention period is required by law, our legal purposes, or other necessary business purposes.
We will keep your personal information while we are providing products and/or services to you. Thereafter, we will keep your personal information for as long as is necessary:
We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information
To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:
These transfers are subject to special rules under European and UK data protection law.
The following countries to which we may transfer personal information have been assessed by the European Commission as providing an adequate level of protection for personal information: Andorra, Argentina, Canada (commercial organizations), Faroe Islands, Guernsey, Israel, Isle of Man, Japan, Jersey, New Zealand, Switzerland and Uruguay. A current list may be found here: GDPR Adequacy Decisions.
Except for the countries listed above, non-EEA countries do not have the same data protection laws as the United Kingdom and EEA. We will, however, ensure the transfer complies with data protection law and all personal information will be secure. Our standard practice is to use standard data protection contract clauses. If you would like further information, please contact us (see “How To Contact Us” below).
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Right to Access |
The right to be provided with a copy of your personal information (the right of access) |
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Right to Rectification |
The right to require us to correct any mistakes in your personal information |
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Right to be Forgotten |
The right to require us to delete your personal information—in certain situations |
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Right to Restriction of Processing |
The right to require us to restrict processing of your personal information—in certain circumstances, e.g. if you contest the accuracy of the data |
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Right to Data Portability |
The right to receive the personal information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party—in certain situations |
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Right to Object |
The right to object: |
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Right Not to be Subject to Automated Individual Decision-Making |
The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you |
For further information on each of those rights, including the circumstances in which they apply, see the guidance from the UK Information Commissioner’s Office (ICO) on individual rights under the General Data Protection Regulation.
You may have certain rights under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to exercise free of charge:
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Disclosure of Personal Information We Collect About You |
You have the right to know: |
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Personal Information Share or Used for a Business Purpose |
We do not sell your personal information. However, in connection with any personal information we may disclose to a third party for a business purpose, you have the right to know: • The categories of personal information that we disclosed about you for a business purpose. You have the rights under the California Consumer Privacy Act of 2018 (CCPA) and certain other state privacy and data protection laws, |
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Right to Deletion |
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: |
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Protection Against Discrimination |
You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA. This means we cannot, among other things: |
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to access it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach within 72 hours of discovery, where we are legally required to do so for EU Citizens, and as soon as possible according to applicable law for other Citizens outside EU.
In the event of a data breach, we will inform you of the nature of the breach, the types of data affected, the steps we have taken to mitigate the breach, and any measures you can take to protect yourself. We continuously monitor our systems for potential vulnerabilities and attacks and regularly review our security practices to enhance the protection of your personal information. We use encryption and anonymization techniques to protect your personal information during transmission and storage.
If you would like to exercise any of your rights as described in this Privacy Policy, please:
Please note that you may only make CCPA-related data access or data portability disclosure request twice within a 12-month period.
If you choose to contact directly by website, email, phone or in writing, you will need to provide us with:
We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person’s behalf.
Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
We hope that we can resolve any query or concern you raise about our use of your information. The General Data Protection Regulation also gives you the right to lodge a complaint with a supervisory authority, in the European Union (or European Economic Area) state where you work, normally live, or where any alleged infringement of data protection laws occurred.
This privacy notice was published on May 26, 2021, and last updated on January 31, 2025. We may change this privacy notice from time to time–when we do, we will inform you via website or other means of contact such as email.
Please contact us via email if you have any questions about this privacy policy or the information we hold about you. Our contact details are shown below:
Administration
Cedar Financial
5230 Las Virgenes Suite 210
Calabasas, CA 91302
USA
Effective Date:
Jan 01, 2025
