Privacy Policy

1. Introduction and Scope

This Privacy Policy governs all data handling practices for LedgerBI, whether you interact with us through our mobile app, website, or related services. It covers personal data you provide directly, data collected automatically (e.g., via cookies), and any information processed during your use of our accounting automation and reporting features. By using LedgerBI, you consent to the practices described herein, subject to your rights outlined below. We may update this policy as our app evolves, and we will notify you of significant changes via the app or email.

2. What Data We Collect

To deliver our services effectively, we collect various types of data. This includes:

• Personal Information You Provide:
  • When you create an account, we may collect your full name, email address, and any other details you voluntarily provide (e.g., company name or phone number for support purposes).
  • If you contact us for support through our contact page, we may retain your correspondence and related details to address your inquiry.
• Cookies and Technical Data:
  • We use essential cookies to manage your session, authenticate your login, and ensure the app's core functionality. These cookies are configured with advanced security settings, including httpOnly: true (preventing JavaScript access), secure: true (transmitted only over HTTPS in production), and sameSite: "lax" (protecting against cross-site request forgery).
  • We also collect technical data such as your IP address, device type (e.g., iOS, Android), operating system, browser version, and app usage timestamps to optimize performance and troubleshoot issues.
• Usage Data:
  • We may track how you interact with LedgerBI, such as which features you use (e.g., report generation, automation tools), to improve our services. This data is anonymized unless explicitly linked to your account with your consent.

Important Note: At this development stage, we do not use non-essential cookies (e.g., for analytics, advertising, or third-party tracking). If we introduce such cookies in the future, we will seek your explicit consent through a prominent banner or popup and update this policy accordingly.

3. How We Use Your Data

We process your data for specific, legitimate purposes, including:

• Service Delivery: To provide, maintain, and enhance the LedgerBI app, including automating your accounting processes, generating financial reports, and ensuring a seamless user experience.
• Authentication and Security: To verify your identity, secure your account, and prevent unauthorized access or fraudulent activities.
• Improvement and Development: To analyze usage patterns, identify bugs, and develop new features based on anonymous feedback and data.
• Legal Compliance: To respond to lawful requests from government or regulatory authorities in Canada, the USA, or India, such as tax audits or data protection inquiries.
• Communication: To send you important updates about the app, security alerts, or support responses, unless you opt out.

We do not sell, rent, or share your personal information with third parties for marketing purposes. Any sharing will only occur if required by law or to protect our rights, property, or safety.

4. Cookie Management and Consent

Our app relies on essential cookies to function. These include:

• Session Cookies: To keep you logged in and maintain your session as you navigate the app or website.
• Security Cookies: To enhance protection with sameSite: "lax" settings, limiting cookie use to first-party contexts and reducing cross-site vulnerabilities.

Because these cookies are necessary for the app's operation, we do not require your prior consent to use them, as permitted under data protection laws for essential functionality. However, you can manage or disable all cookies through your browser or device settings at any time.

5. Data Security

Protecting your data is a top priority. We implement the following security measures:

• Encryption: All data transmitted between your device and our servers is encrypted using HTTPS protocols.
• Secure Cookies: Cookies are set with httpOnly and secure flags to prevent unauthorized access and ensure transmission only over secure connections.
• Access Controls: Only authorized personnel during development have access to your data, with strict internal policies.
• Regular Updates: We conduct ongoing security assessments to identify and fix vulnerabilities.

Despite these efforts, no online service can guarantee absolute security. We are not liable for breaches caused by factors beyond our control, such as your device being compromised.

6. Your Rights and Choices

As a user of LedgerBI, you have rights regarding your data, which vary by region but generally include:

• Access: You can request a copy of the personal data we hold about you to review its accuracy.
• Correction: You may ask us to correct any inaccurate or incomplete information.
• Deletion: You can request the deletion of your data, subject to legal obligations (e.g., tax records retention in Canada or India).
• Restriction or Objection: You may limit how we process your data or object to certain uses, such as marketing (if added).
• Data Portability: In some regions (e.g., EU under GDPR), you can request your data in a structured format for transfer to another service.
• Opt-Out: For non-essential data processing (if implemented), you can decline via a future consent tool or contact us.

To exercise these rights, please reach out through our contact page. We will respond within 30 days or as required by law, verifying your identity before processing requests. Note that some data may need to be retained for legal or operational reasons.

7. Data Storage and International Transfers

Your data is stored on secure servers located in [insert server location, e.g., Toronto, Canada]. During this development phase, data may be processed by our team in Canada, the USA, or India for testing and support. If data is transferred across borders (e.g., for backups or collaboration), we will:

• Ensure compliance with applicable laws, such as PIPEDA (Canada), CCPA (California), or the IT Act (India).
• Use contractual safeguards, such as Standard Contractual Clauses (if required under GDPR for EU data, pending your full release).
• Notify you of any significant transfers via updates to this policy.

We do not currently transfer data to jurisdictions with inadequate protection, but this will be reviewed upon full release.

8. Children's Privacy

LedgerBI is not intended for individuals under the age of 13 (or 16 in some regions like the EU). We do not knowingly collect data from children. If we learn of such collection, we will delete it promptly and notify the parent or guardian. Please contact us through our contact page if you believe a child's data has been collected.

9. Third-Party Links and Services

Currently, LedgerBI does not integrate third-party services that collect data. If we add such integrations (e.g., payment processors or analytics tools) in the future, we will disclose them here and ensure they comply with this policy. Be cautious when clicking external links, as we are not responsible for third-party privacy practices.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:

• Contact Us: Visit our contact page for support and inquiries
• For Canadian Users: You may also contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or www.priv.gc.ca.
• For U.S. Users: For California residents, refer to the California Attorney General at 1-800-952-5225 or oag.ca.gov. Other states may have similar agencies.
• For Indian Users: Contact the Ministry of Electronics and Information Technology at grievanceofficer@meity.gov.in or +91-11-24364302.

11. Changes to This Policy

As LedgerBI develops, we may update this Privacy Policy to reflect new features, legal requirements, or changes in data practices. Updates will be posted here with a revised "Last Updated" date. We will notify you of material changes through the app (e.g., a popup) or via email if you have an account. Your continued use of LedgerBI after changes constitutes acceptance of the updated policy. We encourage you to review this page periodically.