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Privacy Policy

Effective Date: February 17, 2026

Saldo ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our bookkeeping platform.

1. Information We Collect

We collect information you provide directly to us, including:

  • Account Information: Name, email address, and password when you create an account.
  • Organization Data: Business name, address, phone number, and tax identification numbers.
  • Financial Data: Invoice details, expense records, customer information, and payment data you enter into the platform.
  • Usage Data: Information about how you interact with our services, including pages visited and features used.

2. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services.
  • Process your invoices, expenses, and VAT calculations.
  • Send you technical notices, updates, and support messages.
  • Respond to your comments, questions, and customer service requests.
  • Comply with legal obligations, including tax reporting requirements.

3. Data Retention

We retain your personal data for as long as your account is active or as needed to provide you services. Financial records are retained for a minimum of 7 years to comply with tax and accounting regulations. You may request deletion of your account at any time, subject to legal retention requirements.

4. Data Security

We implement industry-standard security measures including 256-bit TLS encryption in transit, encryption at rest for all stored data, regular security audits, and access controls. However, no method of transmission over the Internet is 100% secure.

5. Your Rights (GDPR)

If you are located in the European Economic Area, you have the right to:

  • Access, correct, or delete your personal data.
  • Object to or restrict the processing of your data.
  • Data portability — receive your data in a structured, machine-readable format.
  • Withdraw consent at any time where processing is based on consent.

6. Third-Party Services

We may use third-party services for payment processing, email delivery, and analytics. These services have their own privacy policies and we encourage you to review them. We do not sell your personal data to third parties.

7. Contact Us

If you have questions about this Privacy Policy, please contact us at privacy@saldo.app.