Privacy Policy

1. Introduction

Netflo ("we," "us," "our," or "Company") is committed to protecting your privacy and ensuring the security of your personal and business information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered cash flow forecasting platform and related services ("Service").

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, company information, and authentication credentials
• Contact Information: Business contact details and communication preferences
• Payment Information: Billing address and payment method details (processed by third-party payment processors)
• Support Communications: Information provided through customer support interactions

2.2 Financial Data

• QuickBooks Integration: Financial data from your connected QuickBooks account, including transactions, account balances, income statements, and cash flow records
• Business Metrics: Revenue patterns, expense categories, customer data, and other financial metrics necessary for forecasting
• Forecasting Data: Scenarios, projections, and analysis results generated by our AI algorithms

2.3 Technical Information

• Usage Data: How you interact with our Service, including features used and time spent
• Device Information: IP address, browser type, operating system, and device identifiers
• Log Data: System logs, error reports, and performance metrics
• Cookies: Small data files stored on your device to enhance your experience

3. How We Use Your Information

We use your information for the following purposes:

3.1 Service Provision

• Analyze your financial data to generate cash flow forecasts and business insights
• Provide AI-powered financial analysis and recommendations
• Enable interactive forecasting tools and scenario modeling
• Maintain and improve our AI algorithms and forecasting accuracy

3.2 Account Management

• Create and manage your account and authentication
• Process payments and manage billing
• Provide customer support and respond to inquiries
• Send important service updates and security notifications

3.3 Service Improvement

• Analyze usage patterns to improve our Service features
• Develop new forecasting capabilities and AI models
• Ensure security and prevent fraud or abuse
• Comply with legal obligations and industry standards

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal or financial information to third parties. We may share your information only in the following limited circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our Service, such as:

• Cloud hosting and infrastructure providers
• Payment processing services
• Customer support platforms
• Security and monitoring services

4.2 Legal Requirements

We may disclose information when required by law, legal process, or to:

• Comply with court orders, subpoenas, or government requests
• Protect our rights, property, or safety, or that of our users
• Investigate potential violations of our terms of service
• Prevent fraud or security threats

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections.

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: Data is encrypted in transit and at rest using advanced encryption standards
• Access Controls: Strict authentication and authorization protocols limit access to your data
• Monitoring: Continuous security monitoring and threat detection systems
• Compliance: Regular security audits and compliance with industry standards
• Data Isolation: Your financial data is logically separated from other users' data

6. Data Retention

We retain your information for as long as necessary to provide our Service and fulfill the purposes described in this Privacy Policy:

• Account Data: Retained while your account is active and for a reasonable period after closure
• Financial Data: Retained to maintain forecasting accuracy and historical analysis capabilities
• Usage Data: Typically retained for 2-3 years for service improvement purposes
• Legal Requirements: Some data may be retained longer to comply with legal obligations

7. Your Rights and Choices

7.1 Access and Control

You have the right to:

• Access and review your personal information
• Update or correct inaccurate information
• Request deletion of your data (subject to certain limitations)
• Export your data in a portable format
• Disconnect QuickBooks integration at any time

7.2 Communication Preferences

You can opt out of marketing communications while continuing to receive important service-related notifications. Essential security and account notifications cannot be disabled.

8. Third-Party Integrations

Our Service integrates with QuickBooks and potentially other third-party financial platforms. These integrations are governed by:

• The privacy policies and terms of service of those third-party providers
• Your authorization and consent for data access
• Industry-standard OAuth 2.0 security protocols
• Your ability to revoke access at any time

9. International Data Transfers

Your information may be processed and stored in countries other than your country of residence. We ensure that any international data transfers comply with applicable privacy laws and include appropriate safeguards to protect your information.

10. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will delete such information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website and, where appropriate, through email or in-app notifications. Your continued use of our Service after such notice constitutes acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy, want to exercise your rights, or have privacy concerns, please contact us: