Privacy Policy

1. Introduction

Consultare ("we," "our," or "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our AI-powered agents for SAP Business One and our BLISS (Bank Ledger Integration Suite) financial data solutions. By using our services, you consent to the practices described in this policy.

2. Information We Collect

3. BLISS Integration & Financial Data

Our BLISS (Bank Ledger Integration Suite) connects your financial accounts to SAP Business One. When you use this feature:

• BLISS handles authentication securely. Your bank credentials are transmitted directly through secure banking APIs and are never stored on our servers.
• We access only authorized data. We retrieve only the data categories you explicitly authorize (e.g., account balances, transaction history).
• Data is encrypted in transit and at rest. All financial data is protected using AES-256 encryption and TLS 1.2+.
• You can revoke access at any time. Disconnect your accounts through our app or directly through your financial institution.
• We do not sell financial data. Your financial information is used solely to provide our services.

For more information on BLISS, visit bliss.consultare.io.

4. How We Use Your Information

• Providing, maintaining, and improving our AI agents and SAP Business One integrations
• Processing transactions and synchronizing financial data with SAP Business One
• Performing OCR document processing and data extraction (Mango agent)
• Generating business intelligence reports and analytics (MIRA agent)
• Validating data integrity and compliance (Data Validator agent)
• Responding to your requests, comments, and inquiries
• Sending administrative communications about your account or our services
• Detecting, preventing, and addressing technical issues and security threats
• Complying with legal obligations

5. Data Sharing & Disclosure

We may share your information with:

• Service providers: BLISS banking APIs (financial data), cloud hosting providers, analytics services
• SAP ecosystem: Data necessary for SAP Business One integration functionality
• Legal requirements: When required by law, regulation, or legal process
• Business transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Financial data retrieved through BLISS is cached for synchronization purposes and refreshed on a schedule you configure. You may request deletion of your data at any time by contacting us at privacy@consultare.net.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal data
• Withdraw consent for data processing
• Object to or restrict certain processing activities
• Port your data to another service
• Lodge a complaint with a supervisory authority
• Revoke BLISS access to your financial accounts

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete it promptly.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States. We ensure appropriate safeguards are in place to protect your data in accordance with applicable law.

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 updated policy on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the revised policy.