Privacy Policy

At MontPro ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial intelligence platform and services (collectively, the "Services").

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Services.

1. Information We Collect

1.1 Information You Provide to Us

We collect information that you voluntarily provide when you:

• Create an account: Name, email address, company name, job title, phone number, and password
• Use our Services: Financial data (transaction records, account balances, revenue, expenses), business information, and any other data you choose to upload or input
• Contact us: Any information you provide when you communicate with our support team or submit inquiries
• Participate in surveys or promotions: Feedback, preferences, and demographic information

1.2 Information Collected Automatically

When you access or use our Services, we automatically collect certain information, including:

• Usage data: Features accessed, pages viewed, time spent, click patterns, and interaction data
• Device information: IP address, browser type, operating system, device identifiers, and mobile network information
• Cookies and tracking technologies: We use cookies, web beacons, and similar technologies to enhance your experience and analyze usage patterns

1.3 Information from Third Parties

We may receive information about you from:

• Business partners and service providers
• Publicly available sources (e.g., company registries, financial databases for benchmarking)
• Third-party authentication services (if you choose to sign in using Google, Microsoft, or other providers)

2. How We Use Your Information

We use the information we collect for the following purposes:

• Provide and improve our Services: Deliver core functionality, generate financial reports, provide forecasts, and enhance user experience
• Personalization: Tailor features, recommendations, and content to your specific needs
• Communication: Send service updates, security alerts, support messages, and marketing communications (with your consent)
• Analytics and insights: Analyze usage patterns to improve our platform and develop new features
• Security and fraud prevention: Detect, prevent, and respond to security incidents, fraud, and illegal activities
• Compliance: Meet legal obligations, enforce our terms of service, and respond to legal requests
• Research and development: Develop new products, features, and technologies, including AI/ML models (using anonymized or aggregated data)

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

3.1 With Your Consent

We share information when you explicitly authorize us to do so.

3.2 Service Providers

We share information with third-party vendors who perform services on our behalf, such as:

• Cloud hosting providers (AWS, Google Cloud, or similar)
• Payment processors
• Customer support and communication tools
• Analytics and monitoring services
• AI/ML service providers (e.g., Anthropic for AI features)

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.3 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction.

3.4 Legal Requirements

We may disclose information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).

3.5 Protection of Rights

We may disclose information when we believe it is necessary to investigate, prevent, or take action regarding potential violations of our terms, fraud, or threats to the safety of any person.

3.6 Aggregated and Anonymized Data

We may share aggregated or anonymized data that cannot reasonably be used to identify you for research, benchmarking, or marketing purposes.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit (TLS/SSL) and at rest (AES-256)
• Multi-factor authentication (MFA) options
• Regular security audits and vulnerability assessments
• Access controls and role-based permissions
• Secure data centers with physical and logical safeguards

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

5. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information (subject to certain exceptions)
• Portability: Request that we provide your data in a structured, commonly used format
• Opt-out: Unsubscribe from marketing communications at any time
• Restrict processing: Request that we limit how we use your information
• Object to processing: Object to our processing of your information for certain purposes

To exercise these rights, please contact us at support@aapgrp.com. We will respond to your request within 30 days.

Cookie Preferences

You can manage cookie preferences through your browser settings. Note that disabling cookies may affect the functionality of our Services.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining the retention period, we consider:

• The nature and sensitivity of the information
• The purposes for which we process the information
• Legal, regulatory, tax, or accounting requirements
• Whether the purposes can be achieved through other means

After the retention period expires, we will securely delete or anonymize your information.

7. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your own. These countries may have different data protection laws than your jurisdiction.

When we transfer your information internationally, we implement appropriate safeguards, such as standard contractual clauses approved by relevant authorities, to ensure your data receives adequate protection.

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 become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

9. Third-Party Links and Services

Our Services may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email or through a prominent notice on our platform
• For material changes, provide you with an opportunity to review the changes before they take effect

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Email: support@aapgrp.com
Company: MontPro
Website: www.montpro.xyz

We are committed to resolving privacy concerns promptly and will respond to your inquiry within 30 days.