SmarterSwipe Inc. ("SmarterSwipe," "we," "us," or "our") operates the SmarterCFO platform accessible at www.smarterswipe.ai and through our mobile applications (collectively, the "Service"). This Privacy Policy describes how we collect, use, disclose, and protect your information when you use our Service.

By accessing or using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service.

1. Information We Collect

1.1 Information You Provide

When you register for and use our Service, you may provide us with:

• Account Information: Name, email address, phone number, and business name
• Business Profile Data: Industry, revenue range, number of employees, years in business, number of locations, and business address
• Financial Documents: Bank statements, processing statements, and other financial records you upload for analysis
• Online Presence Information: Website URL, Google Business rating, Yelp rating, and social media handles
• Communications: Messages sent through our AI CFO Advisor chat, support inquiries, and feedback

1.2 Information Collected Automatically

When you access the Service, we automatically collect:

• Device Information: Device type, operating system, browser type, screen resolution, and unique device identifiers
• Usage Data: Pages visited, features used, time spent on pages, click patterns, and navigation paths
• Log Data: IP address, access times, referring URLs, and error logs
• Analytics Data: Aggregated usage statistics collected through our analytics service

1.3 Information from Mobile Applications

If you use our mobile application, we may additionally collect:

• Push Notification Tokens: Device tokens for sending push notifications, with your permission
• App Usage Data: App open/close events, session duration, and feature engagement

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Core Service Delivery

• Processing and analyzing your uploaded financial statements to generate profitability reports
• Generating cash flow forecasts, business valuations, and financial health scores
• Providing personalized action plans and improvement recommendations
• Assessing your online presence and reputation metrics
• Tracking your financial health score over time to measure improvement

2.2 AI-Powered Features

• Powering the AI CFO Advisor with context from your business profile and financial history
• Generating personalized narrative insights for each financial module
• Maintaining conversation memory to provide increasingly relevant advice over time
• Creating proactive financial insights based on changes in your data

Important: Your financial data and conversations with the AI CFO Advisor are processed by our AI systems to provide personalized insights. This data is used solely to improve your experience and is not shared with other users or used to train general AI models. AI-generated insights are for informational purposes only and do not constitute financial advice.

2.3 Communications

• Sending transactional emails (account verification, password resets, statement analysis results)
• Sending push notifications about new insights, health score changes, and action plan updates
• Responding to your support inquiries and feedback

2.4 Service Improvement

• Analyzing usage patterns to improve features and user experience
• Monitoring service performance and diagnosing technical issues
• Developing new features based on aggregated usage data

3. How We Protect Your Financial Data

We understand the sensitive nature of financial information and implement robust security measures:

• Encryption in Transit: All data transmitted between your device and our servers is encrypted using TLS 1.2 or higher
• Encryption at Rest: Financial documents and sensitive data are encrypted when stored on our servers
• Access Controls: Strict role-based access controls limit who can access your data within our organization
• Secure Storage: Uploaded documents are stored in secure cloud storage (Amazon S3) with server-side encryption
• Session Security: Authentication sessions use secure, HTTP-only cookies with regular expiration
• Regular Audits: We conduct regular security assessments of our infrastructure and codebase

4. Information Sharing and Disclosure

We do not sell your personal information or financial data. We may share your information only in the following circumstances:

4.1 Service Providers

We work with trusted third-party service providers who assist in operating our Service:

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).

4.3 Business Transfers

If SmarterSwipe is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information is transferred and becomes subject to a different privacy policy.

4.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so, such as when connecting your account to a payment processing partner.

5. Cookies and Tracking Technologies

We use the following cookies and similar technologies:

• Essential Cookies: Required for authentication and session management. These cannot be disabled.
• Analytics Cookies: Help us understand how users interact with the Service to improve functionality and performance.

We do not use advertising cookies or tracking pixels. We do not participate in cross-site tracking or behavioral advertising networks.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service:

• Account Data: Retained while your account is active and for 30 days after deletion request
• Financial Documents: Retained while your account is active; deleted within 30 days of account deletion
• AI Conversation History: Retained while your account is active to maintain advisor context; deleted with account
• Health Score History: Retained while your account is active for trend tracking; deleted with account
• Analytics Data: Aggregated and anonymized data may be retained indefinitely for service improvement

7. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information and account
• Data Portability: Request your data in a structured, machine-readable format
• Opt-Out: Opt out of non-essential communications and push notifications
• Restrict Processing: Request that we limit how we use your data

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt out of the sale of your personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

9. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us and we will delete such information.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have data protection laws that differ from your jurisdiction. By using the Service, you consent to the transfer of your information to the United States and other countries where we operate.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: