Política de Privacidad

Última actualización: 5 de noviembre de 2025

1. Introduction

At CFO Virtual, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, company name
  • Payment Information: Credit card details (processed securely through Stripe)
  • Integration Credentials: API keys for your accounting software

2.2 Information We Collect Automatically

  • Financial Data: Information synced from your accounting software
  • Usage Data: How you interact with our service
  • Technical Data: IP address, browser type, device information
  • Cookies: We use cookies to maintain your session and improve your experience

3. How We Use Your Information

We use your information to:

  • Provide and maintain our service
  • Process your payments and manage your subscription
  • Sync and analyze your financial data
  • Generate AI-powered insights and recommendations
  • Communicate with you about your account
  • Improve and develop new features
  • Detect and prevent fraud or security issues
  • Comply with legal obligations

4. Data Storage and Security

We implement industry-standard security measures to protect your data:

  • Encryption: All data is encrypted in transit (TLS) and at rest
  • Access Control: Strict access controls and authentication
  • Regular Audits: We conduct regular security audits
  • Secure Infrastructure: Data is stored on secure cloud servers

Your financial data is stored in secure databases hosted in the European Union, complying with GDPR requirements.

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

  • Service Providers: Third-party services that help us operate (e.g., Stripe for payments, OpenAI for AI features)
  • Legal Requirements: When required by law or to protect our rights
  • Business Transfers: In case of merger, acquisition, or sale of assets
  • With Your Consent: When you explicitly authorize us to share your information

6. Third-Party Integrations

When you connect your accounting software:

  • We only request read-only access to your financial data
  • We sync data to provide our analysis services
  • We do not share your financial data with third parties
  • You can revoke integration access at any time

Third-party services (Holded, Odoo, Sage) have their own privacy policies. We recommend reviewing them.

7. Your Rights

Under GDPR and applicable data protection laws, you have the right to:

  • Access: Request a copy of your personal data
  • Rectification: Correct inaccurate or incomplete data
  • Erasure: Request deletion of your data ("right to be forgotten")
  • Portability: Receive your data in a machine-readable format
  • Restriction: Limit how we use your data
  • Objection: Object to certain types of processing
  • Withdrawal of Consent: Withdraw consent at any time

To exercise these rights, contact us at privacy@cfovirtual.com

8. Data Retention

We retain your information for as long as your account is active or as needed to provide services. After account deletion:

  • Personal data is deleted within 30 days
  • Financial data is anonymized or deleted
  • Backups may retain data for up to 90 days
  • Some data may be retained longer for legal compliance

9. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect data from children.

10. International Data Transfers

Your data is primarily stored in the European Union. If data is transferred outside the EU, we ensure adequate safeguards are in place (e.g., Standard Contractual Clauses).

11. Cookies and Tracking

We use cookies and similar technologies for:

  • Authentication and session management
  • Remembering your preferences
  • Analytics and performance monitoring

You can manage cookie preferences in your browser settings. Disabling cookies may affect service functionality.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email. The "Last updated" date at the top indicates when changes were made.

13. Contact Us

If you have questions or concerns about this Privacy Policy, contact us:

14. Supervisory Authority

If you're located in the EU/EEA, you have the right to lodge a complaint with your local data protection authority.