FICRU Finance

• — Bank or credit card statements (PDF, CSV, Excel)
• — QuickBooks exports and financial spreadsheets
• — Business contact details you provide
• — Account, billing, session, and usage metadata
• — If bank connection features are used: read-only transaction data via Plaid or equivalent secure provider (no credentials stored)

We never store bank usernames, passwords, or MFA codes. File upload is the primary method. Any live bank connection is read-only via an encrypted third-party provider.

Pro Max subscribers may optionally connect bank accounts for automatic transaction import. When used:

• — Connections are made via Plaid or equivalent bank-grade provider
• — We receive read-only access to transaction data only
• — Your bank login credentials are entered directly with your bank — never stored by FICRU
• — You can revoke access at any time from within the app or through your bank
• — Plaid's own privacy policy governs credential handling: plaid.com/legal

Bank connections are optional. File upload always works without any bank connection.

• — Parse and categorize transactions from statements or bank feeds
• — Generate P&L, cash flow, vendor, and dashboard reports
• — Support advisory analysis and bookkeeping workflows
• — Maintain your account and billing records

We do not use your financial data for advertising, sell it to third parties, or share it with anyone outside of what is required to operate the service.

• — HTTPS / TLS encryption on all connections
• — Passwords hashed and never stored in plain text
• — Session controls, rate limiting, and auth protections
• — Bank credentials never requested or stored by FICRU
• — File uploads processed in isolated, encrypted storage
• — Access restricted to personnel required to operate the service

Data is retained as long as reasonably needed to operate the service, maintain records, or meet legal obligations. To request deletion of your data or revoke bank connection access:

FICRU provides bookkeeping support, financial organization, dashboard reporting, and advisory analysis. This service does not provide:

• — CPA, audit, or assurance services
• — Tax preparation or tax filing
• — Legal advice

All final financial, tax, and legal decisions remain the responsibility of the client and their licensed advisors.