Privacy Policy

1. Information We Collect

Information You Provide Directly

• Financial information you input into our tools (e.g. income, expenses, asset values, tax details)
• Files you upload for processing (e.g. bank statements in CSV format)
• Contact details submitted through our contact form (name, email, message)

Information Collected Automatically

• IP address and approximate geographic location
• Browser type, device information, and operating system
• Pages visited, time spent, and interaction patterns
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our accounting tools
• Process and analyse uploaded files to generate financial reports
• Respond to your enquiries and support requests
• Monitor and improve website performance and user experience
• Detect and prevent fraud, abuse, or security issues
• Comply with legal obligations

3. File Uploads and AI Processing

When you upload files (such as bank statements) to our P&L Builder tool, those files undergo automated processing using AI technology to classify transactions and generate financial reports.

• Uploaded files are processed in real time and are not permanently stored on our servers
• File contents are sent to third-party AI providers (Anthropic) for classification purposes only
• Your data is not used to train public AI models unless you explicitly approve
• We recommend removing sensitive personal identifiers from files before uploading

4. Legal Basis for Processing

We process your information based on:

• Contractual necessity: Processing required to provide our services to you
• Legitimate interest: Improving and securing our platform
• Consent: When you voluntarily submit data or upload files
• Legal obligation: Compliance with applicable laws and regulations

5. Sharing Your Information

We do not sell or rent your personal information. We may share data with:

• Hosting providers: For website infrastructure and delivery (e.g. Vercel)
• AI processing providers: For transaction classification (e.g. Anthropic)
• Analytics providers: For understanding website usage patterns
• Payment platforms: For processing transactions securely
• Legal authorities: When required by law or to protect our rights

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain website functionality and user preferences
• Collect analytics data to improve our services
• Remember your settings across visits

You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features.

7. Data Storage and Retention

• Calculator and tool data is processed client-side and is not stored on our servers
• Uploaded files are processed in real time and not permanently retained
• Contact form submissions are retained for the duration necessary to respond to your enquiry
• Analytics data is retained in accordance with our analytics provider's policies

8. Security

We implement appropriate technical and organisational measures to protect your information, including:

• HTTPS encryption for all data in transit
• Secure API authentication for file processing endpoints
• Access controls limiting who can view data
• Regular security reviews of our infrastructure

While we take reasonable precautions, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

9. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal data
• Object to or restrict certain processing activities
• Lodge a complaint with a data protection authority

To exercise any of these rights, please contact us.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will take steps to delete it.

11. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those external sites. We encourage you to review their privacy policies before providing any information.

12. International Transfers

Your information may be transferred to and processed in countries other than your own, including countries where our hosting and AI processing providers operate. We ensure appropriate safeguards are in place to protect your data during such transfers.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

14. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your data, please contact us.