Privacy Policy

1. Introduction

Invoice My Clients LLC ("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 financial technology software-as-a-service platform (the "Service").

By using our Service, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Identity Information: Full name, date of birth, Social Security number, government-issued ID numbers
• Contact Information: Email address, phone number, mailing address
• Financial Information: Bank account details, credit/debit card information, transaction history, credit scores, income information
• Professional Information: Employment details, business information, tax identification numbers
• Verification Information: Documentation for identity verification, Know Your Customer (KYC) requirements

2.2 Technical Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Cookies and tracking technologies
• Log files and analytics data

2.3 Third-Party Information

We may receive information about you from:

• Credit bureaus and reporting agencies
• Financial institutions
• Identity verification services
• Public records
• Business partners and affiliates

3. How We Use Your Information

We use your information to:

• Provide Services: Process transactions, maintain accounts, deliver requested services
• Compliance: Meet regulatory requirements, prevent fraud, conduct KYC/AML checks
• Communication: Send service notifications, updates, and customer support
• Improvement: Analyze usage patterns, develop new features, enhance security
• Marketing: Send promotional materials (with your consent where required)
• Legal: Comply with legal obligations, resolve disputes, enforce agreements

4. Legal Basis for Processing (GDPR)

For users in the European Union, we process your data based on:

• Contract Performance: To provide services you've requested
• Legal Obligation: To comply with financial regulations
• Legitimate Interest: For fraud prevention, security, and service improvement
• Consent: For marketing communications (where required)

5. Information Sharing and Disclosure

We may share your information with:

5.1 Service Providers

Third-party vendors who perform services on our behalf:

• Payment processors
• Cloud hosting providers
• Identity verification services
• Customer support platforms
• Analytics providers

5.2 Financial Partners

• Banks and financial institutions
• Credit reporting agencies
• Regulatory bodies and government agencies

5.3 Legal Requirements

When required by law or to:

• Comply with legal process or government requests
• Protect our rights and property
• Prevent fraud or security threats
• Protect user safety

5.4 Business Transfers

In connection with mergers, acquisitions, or asset sales

6. Data Security

We implement industry-standard security measures including:

• Encryption of data in transit and at rest
• Multi-factor authentication
• Regular security audits and penetration testing
• Access controls and employee training
• Compliance with financial industry security standards (PCI DSS, SOC 2)

7. Data Retention

We retain your information for as long as:

• Your account is active
• Required to provide services
• Necessary for legal, regulatory, or compliance purposes
• Required by applicable law (typically 7 years for financial records)

8. Your Rights and Choices

8.1 Access and Updates

You can access and update your personal information through your account settings or by contacting us.

8.2 Marketing Communications

You may opt out of promotional emails by following unsubscribe instructions or contacting us.

8.3 GDPR Rights (EU Users)

You have the right to:

• Request access to your personal data
• Correct inaccurate information
• Request deletion (subject to legal requirements)
• Object to processing
• Request data portability
• Withdraw consent

8.4 CCPA Rights (California Users)

You have the right to:

• Know what personal information is collected
• Delete personal information (subject to exceptions)
• Opt-out of sale of personal information
• Non-discrimination for exercising your rights

9. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and preferences
• Analyze usage and improve our services
• Provide personalized experiences
• Ensure security

You can manage cookie preferences through your browser settings.

10. International Data Transfers

If you're located outside the United States, your information may be transferred to and processed in the US. We ensure appropriate safeguards are in place, including:

• Standard contractual clauses
• Adequacy decisions
• Binding corporate rules

11. Children's Privacy

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

12. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing in-app notifications

14. Contact Information

For questions about this Privacy Policy or to exercise your rights, contact us: