1. Introduction

This Privacy Policy explains how Factoro.AI ("Factoro", "we", "us", or "our") collects, uses, stores, and protects personal and business information when users access or use the Factoro.AI platform (the "Platform").

Factoro.AI is committed to protecting the privacy and security of personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable.

By using the Platform, users acknowledge that their information may be processed as described in this Privacy Policy.

2. Information We Collect

Factoro.AI may collect and process the following categories of information.

Company Information

• company name
• CIF / VAT number
• registered address
• country
• company contact details

User Information

• name
• email address
• phone number
• role within the company

Buyer and Invoice Information

When users create invoices through the Platform, the following information may be processed:

• buyer name
• buyer company details
• invoice amounts
• invoice descriptions
• payment terms
• transaction history

Technical Information

When users access the Platform, certain technical information may be collected automatically, including:

• IP address
• device information
• browser type
• operating system
• login activity
• usage logs

3. How We Use Information

Information collected through the Platform may be used for the following purposes:

• operating and maintaining the Platform
• enabling invoice creation and management
• enabling integrations with third-party service providers
• facilitating access to financing or related services through partners
• maintaining platform security and fraud prevention
• improving platform functionality and user experience
• complying with legal and regulatory requirements

4. Legal Basis for Processing (GDPR)

Where applicable under the GDPR, Factoro.AI processes personal data based on one or more of the following legal grounds:

• performance of a contract
• legitimate business interests
• compliance with legal obligations
• user consent where required

5. Sharing of Information

Factoro.AI may share information with independent third-party providers when necessary to enable services through the Platform.

This may include sharing relevant information with:

• service providers connected to the Platform
• payment processors
• financing providers
• technology providers supporting platform functionality
• regulatory authorities when required by law

Factoro.AI does not sell personal data to third parties.

All third-party service providers are responsible for their own data processing practices.

6. International Data Transfers

Because the Platform may be used internationally, user data may be processed or transferred across jurisdictions.

Where required, Factoro.AI will take appropriate measures to ensure that such transfers comply with applicable data protection laws.

7. Data Retention

Factoro.AI retains data only for as long as necessary to:

• provide services through the Platform
• comply with legal and regulatory obligations
• maintain transaction and audit records
• prevent fraud and misuse

Certain financial or transactional data may be retained for longer periods where required by law.

8. Data Security

Factoro.AI implements reasonable technical and organizational measures designed to protect personal and business information from unauthorized access, loss, misuse, or disclosure.

However, no online system can guarantee absolute security.

9. User Rights

Where applicable under data protection laws such as GDPR, users may have the right to:

• request access to their personal data
• request correction of inaccurate information
• request deletion of personal data where legally permitted
• object to certain types of data processing
• request data portability where applicable

Requests may be submitted through the contact information available on the Platform.

10. Cookies and Technical Data

The Platform may use cookies or similar technologies to:

• enable platform functionality
• improve user experience
• analyze platform usage

Users may control certain cookie preferences through their browser settings.

11. Third-Party Services

The Platform may include integrations with third-party services.

Such third-party providers operate under their own privacy policies and data processing practices.

Factoro.AI is not responsible for the privacy practices of third-party providers.

12. Changes to this Privacy Policy

Factoro.AI may update this Privacy Policy from time to time.

Updated versions will be published on the Platform.

Continued use of the Platform constitutes acceptance of the updated Privacy Policy.

13. Contact

Questions regarding this Privacy Policy may be submitted through the contact information available on the Platform.