Privacy Policy

Effective date: March 26, 2026

Talkbooks ("we", "our", or "us") operates the Talkbooks mobile application and web platform at talkbooks.app. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application.

1. Information We Collect

We collect the following categories of information:

• Account Information: Your email address and password (stored as a bcrypt hash; we never store or have access to your plain-text password).
• Financial Data: Expenses, income, sales, purchases, inventory records, order data, payables, and receivables that you enter through the app.
• Chat Messages: Messages you send to the AI assistant are processed in real time to execute your requests. We do not store the content of chat messages long-term. We track aggregate message counts for rate-limiting purposes only.
• Push Notification Tokens: If you enable push notifications on a mobile device, we store your device push token to deliver notifications.
• Subscription Information: Your subscription tier and payment status, managed through RevenueCat. We do not directly process or store payment card details.

2. Information We Do Not Collect

• Location data
• Contact lists
• Photos or camera data
• Phone numbers
• Device identifiers beyond push notification tokens
• Browsing history
• Data from other apps on your device

3. How We Use Your Information

• Providing the Service: Processing your financial data entries, managing inventory, tracking orders, and generating insights through the AI assistant.
• Authentication: Verifying your identity and securing your account.
• Notifications: Sending push notifications about overdue payables, low stock, pending orders, and other alerts you have enabled.
• Email Communications: Sending account verification emails, onboarding emails, and important service updates.
• Improving the Service: Analyzing aggregate usage patterns (not individual data) to improve features and performance.

4. Third-Party Services

We use the following third-party services to operate Talkbooks:

• Amazon Web Services (AWS): Cloud infrastructure including database hosting (RDS), application hosting (ECS), and file storage (S3). Your data is stored in the AWS Asia Pacific (Singapore) region. AWS Privacy Policy
• OpenAI: Our AI assistant uses language models to process your natural language input and execute business management actions. Chat messages are sent to the AI model for processing but are not used to train models. OpenAI Privacy Policy
• Resend: Email delivery service for account verification and transactional emails. Resend Privacy Policy
• RevenueCat: Subscription management and in-app purchase processing. RevenueCat processes subscription transactions through Apple App Store and Google Play Store. RevenueCat Privacy Policy
• Expo: Push notification delivery service for mobile devices. Expo Privacy Policy

5. Data Retention

• Active Accounts: Your data is retained for as long as your account is active.
• Free Tier: Transaction history older than 30 days is not accessible but is retained on our servers. Upgrading to a paid plan restores access to full history.
• Account Deletion: When you delete your account, all associated data is permanently and irrecoverably deleted from our systems. This includes all financial records, entities, team memberships, and notification preferences.
• Chat Messages: Chat message content is not stored after processing. Only aggregate daily message counts are retained.

6. Data Security

We implement industry-standard security measures to protect your data:

• Passwords are hashed using bcrypt with salt rounds before storage.
• All data in transit is encrypted using TLS/SSL.
• Authentication is handled via JSON Web Tokens (JWT) with secure expiration.
• On mobile devices, tokens are stored using platform-native secure storage (iOS Keychain / Android Keystore).
• Database access is restricted by network security groups and requires authentication.

7. Your Rights

You have the following rights regarding your personal data:

• Access: You can view all your data within the app at any time.
• Correction: You can edit your financial records, inventory data, and other information through the app.
• Deletion: You can delete your account and all associated data by contacting us at support@talkbooks.app.
• Export: You can request an export of your data by contacting us at support@talkbooks.app.
• Notification Preferences: You can enable or disable specific notification types in the app settings.

8. Children's Privacy

Talkbooks is not intended for use by anyone under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal data from a child under 13, we will take steps to delete that information promptly. If you believe a child under 13 has provided us with personal information, please contact us at support@talkbooks.app.

9. International Data Transfers

Your data is stored on servers located in Singapore (AWS Asia Pacific region). By using Talkbooks, you consent to the transfer and processing of your data in this region. We ensure that all data transfers comply with applicable data protection laws.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy in the app or sending you an email. Your continued use of Talkbooks after changes are posted 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:

Email: support@talkbooks.app
Website: talkbooks.app