Privacy Policy

1. Introduction

At Tixo Accounting, we are committed to protecting your privacy and ensuring the security of your personal and financial data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our Service.

2. Information We Collect

2.1 Account Information

• Email address
• Name and business details
• Contact information

2.2 Financial Data

• Transaction records
• Bank account information (encrypted)
• Invoice and payment data
• Tax-related information

2.3 Usage Data

• IP address and browser information
• Pages visited and features used
• Time and date of access
• Device and operating system information

3. How We Use Your Information

We use your information for the following purposes:

• To provide and maintain the Service
• To process transactions and generate reports
• To communicate with you about your account
• To improve and optimize the Service
• To comply with legal and regulatory requirements
• To prevent fraud and ensure security

4. Data Storage and Security

4.1 Security Measures

• All data is encrypted in transit (TLS/SSL)
• Sensitive financial data is encrypted at rest
• Multi-factor authentication available
• Regular security audits and updates
• Access controls and audit logs

4.2 Data Location

Your data is stored on secure servers provided by Google Cloud Platform and Firebase, with primary storage in the EU region (europe-west1). We comply with GDPR and Serbian data protection regulations.

5. Data Sharing and Third Parties

We do not sell your personal data. We may share data with:

• Service Providers: Cloud hosting (Google Cloud), payment processing (Paddle), analytics (limited to aggregate data)
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In the event of a merger, acquisition, or sale of assets (you will be notified)
• With Your Consent: For integrations you explicitly enable (e.g., Google Docs, bank connections)

6. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Export: Download your data in a portable format
• Restriction: Limit how we process your data
• Objection: Object to certain types of data processing

To exercise these rights, contact us at privacy@tixo.digital

7. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and keep you logged in
• Remember your preferences
• Analyze usage patterns (aggregate data only)

You can control cookies through your browser settings. Disabling essential cookies may affect Service functionality.

8. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. After account deletion:

• Most data is deleted within 30 days
• Some data may be retained for legal/tax purposes (up to 7 years as required by Serbian law)
• Backup copies are deleted within 90 days

9. Children's Privacy

Our Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children.

10. International Data Transfers

If you access the Service from outside Serbia/EU, your data may be transferred to and processed in regions where data protection laws may differ. We ensure appropriate safeguards are in place to protect your data.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through the Service. The "Last updated" date at the bottom of this page indicates when the policy was last revised.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices: