Privacy Policy

BillKoala ("we", "us", "our") operates the website billkoala.com and provides AI-powered invoice management services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you use our services. By using BillKoala, you agree to the collection and use of information in accordance with this policy.

We collect the following types of data: - Account information: name, email address, company name, billing address - Invoice data: client details, line items, amounts, payment terms - Usage data: feature usage, session duration, device and browser information - Communication data: messages sent via chat channels (Telegram, email, web chat) - Payment data: processed securely through third-party payment providers (Stripe)

We use your data to: - Provide and maintain our invoice management services - Process and send invoices on your behalf - Send payment reminders and notifications - Improve our AI models and service quality - Communicate with you about your account and services - Comply with legal obligations (tax reporting, GoBD compliance)

All data is stored on servers located in the European Union (Germany and Austria). We use industry-standard encryption (TLS 1.3 in transit, AES-256 at rest) to protect your data. We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, in accordance with Article 32 of the GDPR.

We use the following third-party services: - Google Cloud Platform (EU region) — infrastructure and hosting - Stripe — payment processing - Telegram Bot API — chat channel integration - SMTP providers — email delivery Each third-party provider has their own privacy policy governing their use of your data.

We use essential cookies for site functionality and optional analytics cookies to understand how our website is used. You can manage your cookie preferences at any time through our cookie settings. For details, see our cookie banner and cookie preference center.

Under the GDPR, you have the right to: - Access your personal data - Rectify inaccurate data - Erase your data ("right to be forgotten") - Restrict processing - Data portability - Object to processing - Withdraw consent at any time To exercise any of these rights, contact us at privacy@billkoala.com.

We retain your personal data for as long as your account is active or as needed to provide services. Invoice data may be retained for up to 10 years to comply with tax and accounting regulations (GoBD, BAO). When you delete your account, we will delete or anonymize your personal data within 30 days, except where retention is required by law.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "last updated" date. We encourage you to review this Privacy Policy periodically.

If you have any questions about this Privacy Policy, please contact us: BillKoala Email: privacy@billkoala.com Address: Vienna, Austria