Privacy Policy

1. Information We Collect

We collect the following categories of information:

• Account information. When you sign up, we collect your name, email address, business name, and password.
• Billing information. When you subscribe to a paid plan, our payment processor (Stripe) collects your payment card details, billing address, and related information. We do not store full card numbers on our servers — Stripe handles all card data on PCI-compliant infrastructure. We receive a token, the last four digits of your card, and basic billing metadata.
• Business and usage data. When you use the Service, we collect the data you enter (such as transactions, vendors, categories, and notes), as well as logs about how you interact with the Service (pages visited, features used, timestamps, IP address, browser type, and device information).
• Communications. If you email us at support@speakeasyledger.com or contact us through the site, we keep a record of that correspondence.

2. How We Use Information

We use the information we collect to:

• Provide, operate, and improve the Service
• Process payments and manage subscriptions
• Authenticate users and protect accounts
• Respond to support requests
• Send transactional emails (receipts, password resets, important account notices)
• Detect, prevent, and address fraud, abuse, or technical issues
• Comply with legal obligations

We do not sell your personal information.

3. Payment Processing

All payments are processed by Stripe, Inc. Your payment information is transmitted directly to Stripe over an encrypted connection and is governed by Stripe's privacy policy, available at https://stripe.com/privacy. We receive limited information from Stripe (such as subscription status and the last four digits of your card) so we can manage your account.

4. Cookies and Similar Technologies

We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how the Service is used. You can control cookies through your browser settings. If you disable cookies, some parts of the Service may not work properly.

5. How We Share Information

We share information only in these limited cases:

• Service providers. With vendors who help us run the Service (for example, Stripe for payments, our hosting and email providers). These vendors are bound by contract to use your information only to provide services to us.
• Legal compliance. When required by law, subpoena, or other legal process, or to protect the rights, property, or safety of Speakeasy, our users, or the public.
• Business transfers. If Speakeasy is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.

6. Data Retention

We keep your information for as long as your account is active or as needed to provide the Service. If you cancel your account, we will delete or anonymize your information within a reasonable period, except where we are required to retain it for legal, tax, or accounting purposes.

7. Data Security

We use industry-standard safeguards — including encryption in transit (HTTPS/TLS), access controls, and reputable cloud infrastructure — to protect your information. No method of transmission or storage is 100% secure, but we work hard to protect your data and notify you promptly of any breach affecting your account.

8. Your Rights and Choices

Depending on where you live, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate information
• Delete your information
• Export a copy of your data
• Object to or restrict certain processing

To exercise any of these rights, email us at support@speakeasyledger.com. We will respond within a reasonable time and in line with applicable law.

9. Children's Privacy

The Service is not directed to children under 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

10. International Users

Speakeasy Ledger is operated from the United States. If you access the Service from outside the U.S., your information will be transferred to, stored in, and processed in the United States.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or by posting a notice on the Service before the change takes effect. The "Last updated" date at the top reflects when this policy was most recently revised.

12. Contact Us

Questions about this Privacy Policy or our privacy practices?
Email: support@speakeasyledger.com
Website: https://speakeasyledger.com