CapyParse Privacy Policy

1. Introduction

Welcome to CapyParse ("we," "our," or "us"). CapyParse is committed to protecting your privacy and ensuring you have a positive experience when using our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial analysis application ("CapyParse" or the "App").

This Privacy Policy has been designed to comply with applicable privacy laws, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the App.

2. Information We Collect

2.1 Personal Information

We collect the following categories of personal information:

• Identifiers: Full name, email address, and IP address.
• Financial Information: Bank statement and financial transaction data that you choose to upload.
• Commercial Information: Transaction history and payment details.
• Payment Data: Payment tokens from our payment processor. We do not receive full card numbers.
• Usage Data: Information about how you use the App, including log data and analytics.

2.2 How We Collect Information

We collect information in the following ways:

• Directly from you: When you register for an account, upload financial documents, or contact us.
• Automatically: When you use our App, we automatically collect certain information about your device and usage patterns.
• From third parties: We may receive information from third-party services you have authorized to share data with us.

3. How We Use Your Information

We use your personal information for the following business purposes:

• To provide and maintain our services, including processing and analyzing your financial transaction data.
• To create and manage your account.
• To process your payments.
• To respond to your inquiries and provide customer support.
• To improve our App and develop new features.
• To protect against fraudulent, unauthorized, or illegal activity.
• To comply with legal obligations.

4. Disclosure of Your Information

4.1 Third-Party Service Providers

We share your personal information with the following categories of third-party service providers to help us provide our services. They are located in the United States and the European Union.

• Hosting and infrastructure providers: To run our website, API and processing servers. They handle all traffic to the App, including files while they are processed.
• Cloud database and file storage providers: To store your account details, uploaded documents, page images and results.
• Document reading and AI providers: To read uploaded documents and run AI features, such as categorizing transactions. They receive document files, page images and text, and the transactions you ask them to process.
• Payment processors: To take payments and issue invoices. They receive your email address, billing address, any tax ID you add, and the card details you enter on their checkout page.
• Email delivery providers: To send account emails. They receive your email address and name.
• Product analytics providers: To understand how the App is used. They receive page views, IP address, account email and name, usage events, and session recordings with form inputs masked.
• Error monitoring providers: To find and fix errors. They receive technical details of errors on our servers.
• Customer support chat providers: To answer your messages. They receive the messages you send and details of your visit.
• Advertising measurement providers: To measure our ads. They receive page visits and browser details.
• Security and sign-in providers: To block automated abuse and let you sign in with an existing account. They receive browser details, and your name and email if you choose to sign in that way.

Service providers that process your documents and account data for us are contractually obligated to use your personal information only to provide services to us and are prohibited from using your information for their own purposes.

4.2 Legal Requirements

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

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our services. For active users, we store data indefinitely until you request deletion. For inactive users (those who have not logged in for 2 years), we automatically delete all account data.

6. Your Privacy Rights Under California Law

Under the CCPA/CPRA, California residents have specific rights regarding their personal information:

6.1 Right to Know

You have the right to request information about the personal information we collect, use, disclose, and sell.

6.2 Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions.

6.3 Right to Correct

You have the right to request correction of inaccurate personal information.

6.4 Right to Opt-Out of Sale or Sharing

While we do not sell your personal information, the CCPA/CPRA requires us to inform you that you have the right to opt-out of the sale or sharing of your personal information.

6.5 Right to Limit Use and Disclosure of Sensitive Personal Information

You have the right to limit the use and disclosure of sensitive personal information.

6.6 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights.

7. Exercising Your Rights

To exercise your rights under the CCPA/CPRA, please contact us at privacy@capyparse.com. We will respond to your request within 45 days, as required by law.

To verify your identity when you make a request, we may ask you to provide additional information. We will only use this information to verify your identity and process your request.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include:

• Storing your data with a cloud provider that encrypts it at rest.
• Regular security assessments.
• Using up-to-date software libraries.
• Limiting access to personal information to authorized personnel.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: privacy@capyparse.com