1. Introduction
Kapytl Financial (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, platform, and bookkeeping services (collectively, the “Services”).
2. Information We Collect
Personal Information: When you create an account, we collect your name, email address, phone number, and business information. If you subscribe to a paid plan, we collect billing information through our secure payment processor.
Financial Information: When you link your bank accounts, we access transaction data including deposits, withdrawals, transfers, and account balances through secure, read-only connections via trusted providers such as Plaid. We never store your bank login credentials.
Usage Information: We automatically collect information about how you interact with our Services, including your IP address, browser type, device information, pages visited, and actions taken within our platform.
3. How We Use Your Information
We use the information we collect to provide and maintain our bookkeeping Services, process your transactions and categorize your financial data, generate financial reports and statements, communicate with you about your account and our Services, improve and personalize your experience, comply with legal obligations, and protect against fraud and unauthorized access.
4. How We Share Your Information
We do not sell your personal information. We may share your information with service providers who assist us in operating our platform (such as payment processors and cloud hosting providers), your CPA or accountant when you authorize us to do so, law enforcement or regulatory authorities when required by law, and in connection with a merger, acquisition, or sale of assets, with appropriate notice to you.
5. Data Security
We take the security of your data seriously. We use bank-level 256-bit SSL encryption for all data in transit and at rest. All data is stored on secure, SOC 2 compliant servers. We use read-only connections to access your bank data and never store your banking credentials. We conduct regular security audits and maintain strict access controls for our team members.
6. Data Retention
We retain your personal and financial information for as long as your account is active or as needed to provide our Services. After account termination, we will retain your data for a reasonable period to allow retrieval, after which it will be securely deleted. We may retain certain information as required by law or for legitimate business purposes such as resolving disputes.
7. Your Rights
Depending on your location, you may have the right to access the personal information we hold about you, request correction of inaccurate information, request deletion of your personal information, object to or restrict certain processing of your data, request a copy of your data in a portable format, and withdraw consent where processing is based on consent. To exercise any of these rights, please contact us at hello@kapytl.com.
8. Cookies and Tracking
We use cookies and similar technologies to keep you logged in, remember your preferences, understand how you use our Services, and improve your experience. You can control cookie settings through your browser. Disabling cookies may limit certain features of our Services.
9. Third-Party Links
Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you access through our platform.
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 we become aware that we have collected information from a child, we will take steps to delete it promptly.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the “Last updated” date. Your continued use of our Services after changes are posted constitutes acceptance of the revised policy.
12. Contact Us
If you have any questions about this Privacy Policy or how we handle your data, please contact us at hello@kapytl.com.