1. Information We Collect

When you use BillGram's invoice software, we may collect the following types of information:

1.1 Personal Information

• Account Information: Name, email address, phone number, company name, and billing address
• Business Information: Tax identification numbers, business registration details, and banking information for payment processing
• Profile Data: User preferences, settings, and customization options

1.2 Invoice and Transaction Data

• Customer information entered into invoices
• Product or service descriptions
• Pricing, tax calculations, and payment terms
• Transaction history and invoice records

1.3 Technical Information

• IP addresses, browser types, and device information
• Log data including access times and pages viewed
• Cookies and similar tracking technologies

2. How We Use Your Information

BillGram uses your information for the following purposes:

• Service Delivery: To provide, maintain, and improve our invoice software functionality
• Invoice Generation: To create, store, and manage your invoices and related business documents
• Payment Processing: To facilitate transactions and payment collection on your behalf
• Customer Support: To respond to your inquiries and provide technical assistance
• Account Management: To manage your subscription, billing, and account settings
• Analytics: To analyze usage patterns and improve our software features
• Security: To protect against fraud, unauthorized access, and security threats
• Legal Compliance: To comply with applicable laws, regulations, and tax requirements
• Communications: To send service updates, newsletters, and promotional materials (with your consent)

3. Data Storage and Security

We take the security of your data seriously and implement industry-standard measures to protect your information:

• Encryption: All data transmission is encrypted using SSL/TLS protocols
• Secure Storage: Your data is stored on secure servers with encryption at rest
• Access Controls: Strict access controls and authentication mechanisms protect your account
• Regular Backups: Automated backups ensure data recovery in case of system failures
• Monitoring: Continuous monitoring for security threats and vulnerabilities
• Data Centers: We use certified data centers with physical security measures

4. Data Sharing and Disclosure

BillGram does not sell your personal information. We may share your data only in the following circumstances:

4.1 Service Providers

We work with trusted third-party service providers who assist us in operating our software, including:

• Payment processors for handling transactions
• Cloud hosting providers for data storage
• Email service providers for communications
• Analytics providers for usage insights

4.2 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or government regulations, or to protect our rights and property.

4.4 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

5. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you
• Correction: Update or correct inaccurate information in your account
• Deletion: Request deletion of your account and associated data
• Data Portability: Export your invoice data in common formats (PDF, CSV, Excel)
• Opt-Out: Unsubscribe from marketing communications at any time
• Cookie Control: Manage cookie preferences through your browser settings
• Account Closure: Close your account and request data deletion

6. Data Retention

We retain your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy:

• Active Accounts: Data is retained while your account is active
• Closed Accounts: Invoice data may be retained for up to 7 years for tax and legal compliance
• Backup Data: Backup copies may persist for up to 90 days after deletion
• Legal Requirements: Some data may be retained longer to comply with applicable laws

7. International Data Transfers

BillGram operates globally, and your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data during international transfers, including:

• Standard contractual clauses approved by regulatory authorities
• Compliance with data protection frameworks and regulations
• Ensuring service providers meet our security standards

8. Children's Privacy

BillGram's invoice software is intended for business use and is not designed for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete such information.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for the software to function properly
• Performance Cookies: Help us understand how users interact with our software
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

You can control cookie settings through your browser, though disabling some cookies may affect functionality.

10. Third-Party Links and Integrations

BillGram may integrate with third-party services (such as payment gateways, accounting software, or CRM systems). This Privacy Policy does not apply to third-party services. We recommend reviewing their privacy policies before connecting these integrations.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes through:

• Email notifications to your registered email address
• In-app notifications when you log in
• Updates posted on our website

Your continued use of BillGram after changes are made constitutes acceptance of the updated policy.

12. Compliance and Certifications

BillGram is committed to compliance with applicable data protection regulations, including:

• General Data Protection Regulation (GDPR) for European users
• California Consumer Privacy Act (CCPA) for California residents
• Local data protection laws in jurisdictions where we operate
• Industry-specific compliance standards for financial software