KV AI

Privacy Policy

Version: DRAFT — pending review by a qualified data protection professional. Last updated: 21 August 2026.
This notice describes honestly and completely what the app actually does with your data today. It has not yet been reviewed by a lawyer or a Data Protection Officer, and the operating company is not yet registered. We publish it in this state rather than saying less than the truth. If anything here is unclear, write to privacy@kvaiaccountant.com and we will explain it plainly.

1. Who is responsible for your data

KV AI Accountant is operated by [legal entity name, company number, registered office — to be completed upon registration in Belgium]. Until that registration completes, the controller is the founder, Daniel Loverde, reachable at privacy@kvaiaccountant.com. Once the company exists this section will name it, and we will confirm whether a Data Protection Officer is required under Article 37 GDPR.

2. What we collect, and why

AccountYour email address and password (stored hashed — we never see it). Needed to give you an account.
Business profileBusiness name, country, currency, VAT or tax number, optional logo and bank details. Needed to produce correct invoices and tax figures.
Your documentsInvoices, receipts and bills you upload, plus anything you type in manually. This is the core of the service.
Clients and suppliersNames, addresses, emails and VAT numbers you enter. Note: this is other people's data, and you are the controller of it — see section 9.
Usage countersHow many AI questions, scans, plans and Peppol sends you have used this month. Needed to apply plan limits.
PaymentIf you subscribe, Stripe handles the card. We never see or store card numbers — only your plan, status and billing country.
CountryYour approximate country, from your connection. Used only to show the right tax rules and language.

3. Your uploaded documents are read by an AI service

This is the part people most deserve to know before they upload anything. When you press "scan" on a receipt or invoice, the image or PDF is sent to Anthropic's API so the vendor, date, amount and VAT can be read out of it automatically. The same applies to the AI Coach, the help assistant, the AI Writer and the business plan generator: what you type into those is sent to Anthropic to produce the answer.

Anthropic acts as our processor and, under its commercial terms, does not use this content to train its models. If you would rather no document ever leave our servers, do not use the scan button — type the entry manually instead. Every scanning feature has a manual alternative, and it always will.

4. Where your data is stored

Your account, business data and uploaded files live in a Supabase project hosted in the European Union. Files sit in a private storage bucket that is readable only by your own account — not by other customers, and not publicly. Data is encrypted in transit (HTTPS) and at rest. The website itself runs on Vercel's global network, which means page requests may be served from outside the EU even though your data is stored inside it.

5. Companies that process data on our behalf

SupabaseDatabase, authentication and file storage. EU region.
VercelHosting and delivery of the website. Global edge network; USA-based company.
AnthropicAI processing of documents and questions, as described in section 3. USA-based.
StripeSubscription payments and invoices. Only if you subscribe.
e-invoice.bePeppol Access Point. Only when you choose to send an invoice via Peppol; it receives that invoice.

Transfers to processors outside the EU rely on the European Commission's Standard Contractual Clauses. We are working through each provider's data processing agreement as part of the legal review, and will list the concrete safeguards here when that is done. This must be verified by a qualified professional before we treat it as complete.

6. Cookies

We use one cookie, and it is not for tracking. It remembers which country you appear to be in so the app can show the right tax rules and language before you have signed in. It contains a two-letter country code and nothing else. There is no advertising cookie, no cross-site tracking, and no third-party marketing pixel anywhere in this app.

We also use Vercel Web Analytics, which counts page views without cookies and without building a profile of you. Photographs on our homepage are served through our own domain, so no image host learns your IP address.

7. How long we keep things

Your documentsUntil you delete them, or until you close your account.
Your accountUntil you delete it. Deletion removes your account, documents and business data.
Accounting recordsNote that tax law in your country may require YOU to keep invoices and receipts for a set number of years — seven in Belgium, seven in Sweden, and varying elsewhere. Export your records before deleting anything.
Payment recordsStripe keeps payment records for the period its own legal obligations require.
Waiting list emailsUntil we launch, or until you ask us to remove you.

8. What you can do, at any time

Under the GDPR you may see your data, correct it, take it elsewhere, restrict how it is used, object to a use, or have it erased. Two of these are buttons in the app rather than requests you have to make: Settings → Export my data downloads everything we hold about you, and Settings → Delete my account removes it. For anything else, write to privacy@kvaiaccountant.com and we will answer within one month.

If you think we have handled your data badly, you can complain to your national data protection authority — in Belgium the Gegevensbeschermingsautoriteit / Autorité de protection des données, in Sweden the Integritetsskyddsmyndigheten (IMY).

9. The data you enter about other people

When you add a client or supplier, you are putting another person's details into our system. For that data you are the controller and we are your processor: we hold it, we do not use it for our own purposes, and we act on your instructions. You are responsible for having a lawful basis to enter it, and for telling those people about it if they ask.

10. What we will never do

We will not sell your data. We will not share it with advertisers. We will not use your documents or your business figures to train AI models. We will not read your documents out of curiosity — access to production data is limited to what is needed to keep the service running and to answer a support request you have made. If any of this ever changes, we will tell you before it does, not afterwards.

11. If something goes wrong

If a breach occurs that is likely to put your rights at risk, we will notify the competent supervisory authority within 72 hours as Article 33 GDPR requires, and we will tell you directly, in plain language, where Article 34 requires it. We would rather tell you about a problem early and imperfectly than late and neatly.

12. Children

This service is for businesses and is not intended for anyone under 18. We do not knowingly collect data from children.

13. Changes to this notice

When this notice changes materially we will raise its version, date it, and tell you in the app. The most important pending change is the completion of the legal review described at the top of this page.

Contact

Privacy questions and GDPR requests: privacy@kvaiaccountant.com
Anything else: danielloverde@kvaiaccountant.com