1. Privacy Policy

(GDPR, CCPA, PCI-DSS & Payment Processor Compliant)

1. Introduction & Definitions

1.1 Scope: T

COMPREHENSIVE PRIVACY POLICY

Last Updated: [Date]
Effective Immediately

1. Introduction & Scope

1.1 This Privacy Policy governs all data collection, processing, and storage by CreativaForge (“we,” “us,” or “our”) through:

• Website: [creativaforge.com]

• Client portals and project management tools (e.g., Trello, Asana)

• Payment and invoicing systems (Stripe, PayPal)

• Email, phone, and live chat communications

1.2 Applicability: This policy applies to:

• Clients, prospective clients, and website visitors

• Third-party vendors and subcontractors

• Job applicants

2. Definitions

3. Data Collection: Categories & Legal Basis

3.1 Data We Collect

3.2 Sensitive Data

We do not intentionally collect:

• Racial/ethnic origin

• Political opinions

• Biometric data (except fraud prevention via payment processors)

4. How We Use Data

4.1 Primary Purposes

• Service Execution: Delivering design/development projects

• Payment Processing: Via Stripe/PayPal (tokenized transactions)

• Legal Compliance: Tax reporting, fraud prevention

4.2 Marketing Uses

• Opt-in newsletters: Sent only with explicit consent

5. Data Sharing & Third Parties

5.1 Categories of Recipients

5.2 Legal Disclosures

We may share data when required by:

• Court orders or subpoenas

• Tax authorities (e.g., IRS audits)

6. International Data Transfers (GDPR Art. 44-50)

6.1 EU-US Transfers:

• Standard Contractual Clauses (SCCs) with subprocessors

• Annual Privacy Shield recertification

6.2 Data Localization Requests:
Clients may require onshore storage for sensitive projects (additional fees apply).

7. Data Security Measures

7.1 Technical Safeguards

• Encryption: AES-256 for files, TLS 1.2+ for web traffic

• Access Controls: Role-based permissions (least privilege principle)

• Audit Logs: All system access tracked and reviewed quarterly

7.2 Breach Response Protocol

1. Containment: IT team isolates breach within 1 hour

2. Assessment: Legal determines GDPR/CCPA reporting requirements within 72 hours

3. Notification: Affected users contacted via encrypted email within 14 days if high risk

8. Data Retention Schedule

9. Your Rights (GDPR/CCPA Compliance)

9.1 Request Types

• Access: Receive copy of your data (free first request)

• Rectification: Correct inaccurate data

• Erasure: “Right to be forgotten” (exceptions apply)

9.2 How to Exercise Rights

1. Submit verifiable request to [[email protected]]

2. Provide:

   • Government-issued ID

   • Recent transaction confirmation (for fraud prevention)

3. We respond within 30 days (45 for complex requests)

10. Cookies & Tracking Technologies

10.1 Detailed Cookie Breakdown

10.2 Do Not Track (DNT)

We honor browser DNT signals by disabling non-essential cookies.

11. Policy Updates & Contact

11.1 Changes: Significant updates emailed to active clients 30 days in advance.
11.2 Questions? Contact our Data Protection Officer (DPO):

• Email: [[email protected]]

• Postal: [Your Physical Address]

12. Jurisdiction-Specific Addenda

12.1 California (CCPA)

• “Shine the Light” Law: CA residents may request annual disclosure of data sharing for marketing.

• Minor Deletion: Users under 16 may request erasure of publicly posted content.

12.2 European Union (GDPR)

• Data Protection Impact Assessments (DPIAs): Conducted for high-risk processing.

• Supervisory Authority: Right to lodge complaints with your local DPA.

his Privacy Policy governs all data collection by CreativaForge (“Company,” “we,” “us”) via [creativaforge.com], including subdomains, mobile apps, and client portals.

1.2 Key Definitions:

• “Personal Data”: Any information identifying a natural person (e.g., name, IP, payment details).

• “Data Controller”: CreativaForge determines data processing purposes.

• “Data Processor”: Third parties processing data on our behalf (e.g., Stripe).

2. Detailed Data Collection Practices

2.1 Data Categories Collected:

2.2 Sensitive Data: We do not intentionally collect:

• Racial/ethnic origin

• Political opinions

• Biometric data (except for fraud prevention via payment processors)

3. Advanced Data Processing Disclosures

3.1 Payment Processing

• Stripe/PayPal Integration: Tokenized transactions; we never store full credit card numbers.

• Audit Trails: All payment changes logged with timestamps for dispute resolution.

3.2 Automated Decision-Making

• Fraud Scoring: Third-party tools (e.g., Sift) analyze transaction patterns. Users may request human review.

4. International Data Transfers (GDPR Article 44-50)

4.1 EU-US Data Protection:

• Standard Contractual Clauses (SCCs) with subprocessors

• Annual Privacy Shield recertification (where applicable)

4.2 Data Localization: Client projects requiring onshore storage must request this during onboarding.

5. Cookie Policy Expansion

5.1 Cookie Categories:

5.2 Do Not Track (DNT): We honor browser DNT signals by disabling non-essential cookies.

6. Data Subject Rights Procedures

6.1 Request Fulfillment Timeline:

• Access/Portability Requests: 30 days (free for first request; $50/admin fee thereafter)

• Deletion Requests: 45 days (extended for complex project data archives)

6.2 Identity Verification: Require government ID + recent transaction confirmation to prevent fraud.

7. Breach Notification Protocol

7.1 Internal Escalation:

1. IT team isolates breach within 1 hour of detection

2. Legal assesses GDPR/CCPA reporting requirements within 72 hours

3. Notify affected users via encrypted email within 14 days if risk threshold met