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# Privacy Policy

Effective Date: March 1, 2026 · Last Updated: March 1, 2026

HOA LedgerIQ ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at hoaledgeriq.com or use our software-as-a-service platform (collectively, the "Service"). Please read this policy carefully. If you disagree with its terms, please discontinue use of the Service.

## 1. Information We Collect

Information You Provide Directly

- Account registration data (name, email address, organization name, state/location, role)
- Payment and billing information (processed by third-party payment processors; we do not store raw card data)
- Financial data you enter into the platform (ledger entries, budgets, transaction records, reserve fund data)
- Communications you send to us (support requests, feedback, beta program inquiries)

Information Collected Automatically

- Log data (IP address, browser type, pages visited, time and date of visit, referring URL)
- Device information (operating system, device identifiers)
- Cookies and similar tracking technologies (see Section 7)
- Usage analytics (features accessed, session duration, click patterns)

Information from Third Parties

- Bank and financial institution data you authorize through open banking integrations
- Identity verification data from third-party verification services, where applicable

## 2. How We Use Your Information

We use the information we collect to:

- Provide, operate, and improve the Service
- Process transactions and send related notices (receipts, invoices, renewal reminders)
- Respond to your comments, questions, and requests
- Send administrative and product update communications
- Send marketing communications, where you have opted in (you may opt out at any time)
- Monitor and analyze usage patterns to improve user experience
- Detect, investigate, and prevent fraudulent transactions and other illegal activity
- Comply with legal obligations

## 3. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

- Service Providers: Trusted third-party vendors who assist in operating our platform (cloud hosting, payment processing, email delivery, analytics). These vendors are contractually obligated to protect your data.
- Legal Requirements: When required by law, subpoena, court order, or governmental authority.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, with appropriate notice to you.
- With Your Consent: For any other purpose disclosed to you and with your explicit consent.

## 4. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. You may request deletion of your account and associated data at any time by contacting us at privacy@hoaledgeriq.com. We may retain certain information as required by law or for legitimate business purposes (e.g., tax and audit records).

## 5. Data Security

We implement industry-standard technical and organizational measures to protect your information, including:

- TLS/SSL encryption for all data in transit
- AES-256 encryption for sensitive data at rest
- Role-based access controls limiting internal access to personal data
- Regular security audits and vulnerability assessments

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

## 6. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

- Access: Request a copy of the personal data we hold about you.
- Correction: Request correction of inaccurate or incomplete data.
- Deletion: Request deletion of your personal data, subject to certain exceptions.
- Portability: Request a machine-readable export of your data.
- Opt-Out: Unsubscribe from marketing emails at any time using the link in any email we send.
- Do Not Sell: We do not sell personal information. No action is needed to opt out.

To exercise any of these rights, contact us at privacy@hoaledgeriq.com.

## 7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and support marketing efforts. Types of cookies we use:

- Essential Cookies: Necessary for the Service to function. Cannot be disabled.
- Analytics Cookies: Help us understand how visitors interact with our website (e.g., Google Analytics).
- Preference Cookies: Remember your settings and preferences.

You may configure your browser to refuse cookies or to alert you when cookies are being sent. Note that disabling cookies may affect certain features of the Service.

## 8. Children's Privacy

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

## 9. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

## 10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated effective date and, where appropriate, by sending an email notification. Your continued use of the Service after such changes constitutes your acceptance of the revised policy.

## 11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

HOA LedgerIQ
Email: privacy@hoaledgeriq.com
Website: www.hoaledgeriq.com