Privacy Policy

Effective Date: June 20, 2025
Last Updated: June 20, 2025
Legal Entity: Chord Innovation Technologies Private Limited (India)

1. Who We Are

Welcome to Chhord, a product of Chord Innovation Technologies Private Limited, a company incorporated and based in India. Chhord is a fractional CFO and agentic AI platform that helps businesses manage finance, extract data from bills, receipts, and financial documents, and answer finance-related queries using natural language.

We are committed to respecting and protecting your privacy, especially if you’re a business user based in the United States or any other country.

2. Scope of This Policy

This Privacy Policy applies to:

  • Your use of Chhord’s platform, web app, and services

  • All data you submit, upload, or generate within the platform

  • U.S. users, Indian users, and users in any other country accessing our services

By using Chhord, you consent to the data practices described in this policy.

3. Information We Collect

We collect and process the following categories of data:

a. Business & Financial Information

  • Uploaded receipts, bills, invoices, statements (PDF, image, text)

  • Extracted metadata such as amount, vendor, date, category, line items

  • AI-generated financial summaries, trends, and projections

b. Personal & Company Profile

  • Your name, email address, phone number, company name, and country

  • Company size, incorporation status, role (e.g., founder, CFO)

c. Platform Usage Data

  • Natural language queries asked (e.g., "What was my burn rate last month?")

  • Reports generated, features used, timestamps, and user activity logs

d. Device & Technical Data

  • IP address, browser type, device type, OS, geographic region (approximate)

  • Session cookies and analytics identifiers

4. How We Use Your Information

We use your data to:

  • Provide Services: Extract, analyze, and interpret financial documents; deliver real-time insights; support queries through natural language

  • Generate Insights: Create dashboards, financial reports, KPIs, trends, and investor-ready outputs

  • Improve the AI: (Only if you opt in) anonymize and use interaction data to fine-tune the AI’s performance

  • Ensure Security: Detect fraud, monitor activity, protect your account

  • Communicate With You: Send reports, usage tips, product updates, and legal notices

5. Where Your Data Is Stored and Processed

  • Your data is stored and processed on secure cloud infrastructure hosted in India.

  • Some data may pass through or be processed by global service providers (e.g., OpenAI, AWS, Stripe) in accordance with their privacy practices.

  • We implement safeguards to ensure your data remains secure, regardless of geographic location.

Note to U.S. Users: Chhord is not a U.S.-registered company. By using our services, you acknowledge that your data may be processed outside the United States, primarily in India, under equivalent data protection controls.

6. Sharing of Information

We do not sell your data. We only share it:

  • With Trusted Partners: Such as cloud providers, payment processors, and AI engines under strict confidentiality and data processing agreements

  • With Your Permission: If you request a data export or share financials with an advisor

  • For Legal Reasons: If required by Indian law, or to comply with applicable international legal obligations

  • In Business Transfers: In the event of merger, acquisition, or asset sale, subject to prior notice

7. Your Rights and Choices

As a user, you have control over your data:

  • Access & Export: View and download all your uploaded files and generated outputs

  • Correction: Update your profile information

  • Data Deletion: Request deletion of your account and all associated data

  • Opt-Out of Improvement Use: Disable your data from being used to improve the AI

  • Marketing Preferences: Unsubscribe from emails at any time

To exercise any rights, contact us at support@chhord.com. U.S. users can expect a response within 30 business days.

8. Cookies and Tracking

We use minimal tracking technologies:

  • Session cookies to keep you logged in

  • Analytics cookies (e.g., Google Analytics) to understand user behavior and improve features

You can control cookies through your browser settings. Blocking cookies may limit certain functionalities.

9. Data Security

We implement robust measures to protect your data:

  • End-to-End Encryption (SSL/TLS, AES-256)

  • Role-Based Access Control with limited personnel access

  • Secure Data Centers with backup, disaster recovery, and monitoring

  • Audit Logging and Threat Detection

We retain data only as long as necessary for service delivery or legal compliance.

10. Refund Policy

  • Processing Time: 5-7 working days from refund approval

  • Credit Timeline: Refunds will be credited to the customer's original payment method within 5-7 working days after approval

  • Communication: Customers will receive an email confirmation when the refund is initiated and completed

  • Policy Location: Clearly displayed on our website's Terms of Service and Pricing pages

We ensure compliance with international data protection and financial service regulations for our global customer base.

11. Children’s Privacy

Chhord is intended for users aged 18 and above. We do not knowingly collect information from minors. If we become aware of such data, we delete it immediately.

12. Updates to This Policy

We may update this Privacy Policy as our services evolve or if required by law. When we make significant changes, we will notify you via email or in-app alerts.

13. Contact Information

If you have questions, concerns, or data requests, reach us at:

Chord Innovation Technologies Private Limited
Address: 1607/1, Sector 40B, Chandigarh, PIN: 160036, India
Email: support@chhord.com
Phone: +91 79035 12756

By using Chhord, you agree to the collection, use, and storage of your information as described in this Privacy Policy.

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