1. Introduction

At newledger.io, we are committed to protecting your privacy. This Privacy Policy ("Policy") describes how we collect, use, store, protect, and disclose your personal data when you access and use our accounting software-as-a-service platform (the "Service") available through (newledger.io).

By using the Service, you consent to the practices outlined in this Policy. If you do not agree with this Policy, you should not use the Service.

2. Information We Collect

To provide and improve our Service, we collect the following types of data:

Personal Information

Name:We collect your name to personalize your experience and communicate with you effectively.

Email Address:Used for login, notifications, and communications.

Company Details:Required for generating transaction documents and managing your business account.

Usage & Transactional

Usage Data: Features Accessed, Usage Times, IP Address, and Device Details to optimize and secure the Service.

Transactional Data: Payment History and Subscription Details (we do not store credit card data). Invoices and Receipts generated and stored for business compliance.

Cookies & Tracking

Used to enhance experience, analyze usage, and personalize services. You can manage preferences in your browser settings.

We do not sell personal data. Third-party analytics may be used to improve the platform.

3. How We Use Your Information

Service Delivery

Customer Support

Service Improvement

Marketing (with consent)

Legal Compliance

4. Legal Basis

Contractual Necessity
Legitimate Interests
User Consent
Legal Obligation

5. Sharing

Third-party Service Providers
Business Transfers (Mergers)
Legal Compliance Requests

6. International Transfers

Your data may be transferred outside of your country, including to the United States or other regions. We implement safeguards like Standard Contractual Clauses to ensure your data remains protected in accordance with GDPR and PDPA standards.

7. Data Security

We use encryption, access control, and regular audits to safeguard your data. While we do our best to secure your information, no method is 100% secure. You are also responsible for protecting your credentials.

8. Data Retention

We retain data only as long as necessary to fulfill the purposes outlined in this Policy, unless a longer period is required by law. Upon account deletion or request, your data will be removed in accordance with applicable legal obligations.

9. Your Rights (GDPR / PDPA)

1. Access Data

2. Correction

3. Deletion

4. Restriction

5. Portability

6. Objection

To exercise your rights, contact us at [email protected]. We will respond in accordance with GDPR and PDPA timelines.

10. Children's Privacy

The Service is not intended for individuals under 16 years of age. We do not knowingly collect data from minors. If such data is discovered, it will be promptly deleted.

11. Cookies

Essential: Core functionality
Performance: Anonymous usage analytics
Functionality: Preference memory
Targeting: Marketing (with consent)

12. Changes to This Policy

We may revise this Privacy Policy from time to time. Material changes will be communicated via email or an in-app notification. Your continued use of the Service implies acceptance of the updated policy.

13. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes shall be subject to the jurisdiction of the courts of Singapore.

14. Language

This Privacy Policy is provided in English. If it is translated into other languages, the English version shall prevail in the event of any inconsistency.