Privacy Policy

1. Introduction

TaxPlanner Malta ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our tax management software and services.

This policy applies to all users of TaxPlanner Malta, including self-employed individuals, freelancers, and accounting professionals in Malta.

2. Information We Collect

2.1 Personal Information

We collect personal information that you provide directly to us, including:

• Name, email address, and contact information
• Business information (company name, tax identification numbers)
• Account credentials and authentication information
• Payment and billing information
• Communication preferences

2.2 Financial Information

To provide our tax management services, we collect:

• Income and expense data
• Bank account information (with your consent)
• Tax-related documents and receipts
• VAT registration details
• Previous tax return information

2.3 Technical Information

We automatically collect certain technical information:

• IP address and device information
• Browser type and version
• Usage data and analytics
• Cookies and similar tracking technologies
• Log files and error reports

3. How We Use Your Information

We use your information for the following purposes:

3.1 Service Provision

• Calculate Malta tax obligations (Income Tax, VAT, Social Security)
• Generate TA22 and TA24 forms
• Track income and expenses
• Provide tax deadline alerts
• Generate financial reports

3.2 Account Management

• Create and maintain your account
• Process payments and billing
• Provide customer support
• Send service-related communications

3.3 Legal Compliance

• Comply with Malta tax regulations
• Meet legal and regulatory requirements
• Respond to legal requests
• Prevent fraud and ensure security

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our service, such as:

• Cloud hosting providers
• Payment processors
• Email service providers
• Analytics providers

4.2 Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes
• Respond to government requests
• Protect our rights and property
• Ensure user safety

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights (GDPR)

Under the General Data Protection Regulation (GDPR), you have the following rights:

• Right of Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Request transfer of your data
• Right to Object: Object to certain types of processing
• Right to Withdraw Consent: Withdraw consent for data processing

To exercise these rights, please contact us at privacy@taxplanner.com.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

7.1 Types of Cookies

• Essential Cookies: Required for basic functionality
• Analytics Cookies: Help us understand usage patterns
• Preference Cookies: Remember your settings
• Marketing Cookies: Used for targeted advertising (with consent)

7.2 Cookie Management

You can control cookies through your browser settings or our cookie consent banner. Note that disabling certain cookies may affect functionality.

8. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Account information: Until account deletion
• Financial data: 7 years (Malta tax record requirements)
• Communication records: 3 years
• Technical logs: 12 months

9. International Data Transfers

Your data may be processed in countries outside the European Economic Area (EEA). When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by the European Commission
• Standard Contractual Clauses
• Binding Corporate Rules
• Certification schemes

10. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices in our application

Your continued use of our service after changes become effective constitutes acceptance of the updated policy.

12. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us:

You also have the right to lodge a complaint with the Malta Information and Data Protection Commissioner if you believe we have not handled your data appropriately.