1. Information We Collect

We collect information you provide directly:

• Account information: Name, email address, firm name, phone number, city, state
• Professional details: CA firm type, GSTIN, PAN, Tally version, number of clients
• Payment information: Processed securely via Razorpay — we do not store card details
• Uploaded files: Bank statements, purchase/sales Excel files you upload for processing
• Client data: Client names, company names, contact details you add to AccountrIQ

We also collect automatically:

• IP address, browser type, device information
• Usage logs — pages visited, features used, timestamps
• Error logs for debugging

2. How We Use Your Information

• Provide, maintain and improve AccountrIQ
• Process bank statements and generate Tally XML exports
• Send transactional emails — upload confirmations, payment receipts, team invitations
• Respond to support requests
• Enforce our Terms of Service and prevent abuse
• Comply with legal obligations

We do not use your data for advertising, profiling, or sell it to any third party.

3. Your Financial Data

Bank statements and financial records you upload are sensitive. Here is exactly how we handle them:

• Files are processed on our servers to extract transactions and generate Tally XML
• Uploaded files are deleted from disk immediately after processing
• Extracted transaction data is stored in our database linked to your account
• Your data is never shared with other AccountrIQ users
• We do not use your financial data to train AI models
• A third-party AI API is used for transaction categorization — data sent for processing is subject to our AI provider's privacy policy

4. Data Sharing

We share data only with service providers necessary to run AccountrIQ:

• Brevo (Sendinblue) — transactional email delivery
• Razorpay — payment processing
• AI Provider — AI-powered transaction categorization
• Contabo — server infrastructure (India region)

We do not sell, rent, or share your data with advertisers, data brokers, or any other third parties.

5. Security

• All data transmitted over HTTPS (TLS 1.2+)
• Passwords hashed with bcrypt (12 rounds)
• JWT authentication with expiry
• Rate limiting to prevent brute force attacks
• Input sanitization to prevent XSS and injection attacks
• Regular security updates to server and dependencies

No system is 100% secure. If you discover a vulnerability, please email security@accountriq.com.

6. Data Retention

• Account data is retained while your account is active
• Transaction data is retained for 7 years (as required by Indian accounting standards)
• Uploaded files are deleted immediately after processing
• On account deletion, all personal data is deleted within 30 days
• Payment records are retained for 7 years for tax compliance

7. Your Rights

You have the right to:

• Access all data we hold about you — email us and we'll provide a full export
• Correct inaccurate data — update in Settings or contact us
• Delete your account and data — email support@accountriq.com
• Export your transaction data at any time from the app
• Opt out of non-transactional emails via unsubscribe links

8. Cookies

AccountrIQ uses minimal cookies:

• Authentication token — stored in localStorage to keep you logged in
• No advertising cookies, no third-party tracking cookies

9. Contact Us

For privacy questions, data requests, or concerns:

• Email: support@accountriq.com
• Response time: within 48 business hours

AccountrIQ is operated by Rubal Mann, Ludhiana, Punjab, India.