Privacy Policy

PRIVACY POLICY

Cummins Worldwide™ Privacy Policy
Last Updated: March 31, 2026

Cummins Worldwide™ (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you entrust to us.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our financial-planning and finance-management services, or interact with us as a client (collectively, the “Services”).

This policy applies to current and former clients, website visitors, and anyone whose information we process. We do not sell your personal information to third parties.

Information We Collect
We collect two main categories of information:

1. Personal Information You Provide (required for our financial, tax, bookkeeping, accounting, risk-management, HR, and marketing services):
– Contact details (name, address, phone, email)
– Government identifiers (Social Security number, tax ID, driver’s license)
– Financial information (account balances, transaction history, income, assets, liabilities, investment objectives, credit history)
– Tax and accounting records
– Employment/HR data (for enterprise clients)
– Any other information you voluntarily submit via contact forms, intake questionnaires, or client portals

2. Automatically Collected Information (Usage Data):
– IP address, browser type, device information, pages visited, time spent, and cookies/tracking technologies (see “Cookies” section below).

We may also receive information from third parties (e.g., credit bureaus, banks, or your accountants) to provide our Services.

How We Use Your Information
We use your information to:

– Provide, maintain, and improve our financial-planning, budgeting, tax, bookkeeping, accounting, risk-management, HR, and marketing Services
– Process transactions and prepare reports/statements
– Comply with legal and regulatory obligations (tax reporting, anti-money-laundering, etc.)
– Communicate with you (service updates, newsletters, marketing with your consent)
– Detect fraud, enforce our agreements, and protect our rights

How We Share Your Information
We do not sell your personal information. We share it only in these limited situations:

– With service providers who help us operate (e.g., cloud-hosting providers, accountants, payment processors) under strict confidentiality agreements
– With affiliates or business partners when necessary for the Services
– To comply with law, court orders, or regulatory requests (GLBA, IRS, etc.)
– In connection with a business transfer (merger, acquisition)
– With your explicit consent or at your direction

Data Security
We use reasonable physical, electronic, and procedural safeguards (password protection, encryption, access controls, locked offices/files) to protect your information. No security system is infallible; we cannot guarantee absolute security.

Data Retention
We retain your information as long as necessary to provide the Services, comply with legal obligations, or resolve disputes. Financial records are typically kept for at least 7 years or as required by law.

Your Rights and Choices
Depending on your location, you may have rights to:

– Access, correct, or delete your information
– Opt out of certain sharing or marketing
– Request a list of categories of information we have shared in the past 12 months (CCPA)

To exercise these rights, contact us at the details below. We will respond within a reasonable time.

Cookies and Tracking Technologies
We use essential cookies to operate the site and functional/tracking cookies to analyze usage. You can manage cookies through your browser settings.

Children’s Privacy
Our Services are not directed to children under 18. We do not knowingly collect data from children.

International Transfers
If you are outside the United States, your data may be transferred to and processed in the U.S.

Changes to This Policy
We may update this Privacy Policy. We will notify you of material changes and post the new date above.

Contact Us
Cummins Worldwide™
625 Court St Suite 100, Clearwater, Fl 33756
Email: Info@Cummins.World
Phone: +1 727-223-5335

This Privacy Policy is provided for informational purposes and does not create additional rights beyond those required by law.