Privacy Policy & Terms & Conditions

1. Introduction

MasterFins respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect information when you use our website, services, or interact with us.

We comply with international privacy laws including:

• EU General Data Protection Regulation (GDPR) and UK GDPR
• California Consumer Privacy Act (CCPA/CPRA) and other U.S. state privacy laws
• Bangladesh Personal Data Protection Act (draft)
• Singapore PDPA, Australia Privacy Act, OECD Privacy Principles

2. Data We Collect

Personal Data You Provide: name, email, phone, company name, billing info, financial/tax records.

Automatically Collected Data: IP address, browser, device type, cookies, usage statistics.

Sensitive Data: only where required for accounting/tax services (processed under strict safeguards).

3. Lawful Basis for Processing

We process data under the following bases:

• Contract performance (providing services you request)
• Consent (marketing, cookies, optional data sharing)
• Legal obligation (tax, anti-money laundering, compliance laws)
• Legitimate interest (fraud prevention, security, service improvement)

4. How We Use Your Data

• Delivering and managing accounting & advisory services
• Communication, support, and client engagement
• Billing, invoicing, and payments
• Compliance with laws and regulations (tax, anti-fraud, AML, etc.)
• Marketing (only with your consent where required)

5. Sharing Your Data

We may share your data with:

• Professional advisors (accountants, auditors, legal counsel)
• IT/hosting/cloud providers, CRM, or payment processors
• Regulators, tax authorities, or courts if legally required
• Business transferees (in case of merger, acquisition, restructuring)

We never sell personal data.

6. International Data Transfers

Data may be transferred to and stored in countries outside your own.

We use Standard Contractual Clauses (SCCs), Data Processing Agreements, or equivalent safeguards to ensure compliance with GDPR and other standards.

For U.S. transfers, we comply with EU-U.S. Data Privacy Framework (if applicable).

7. Data Retention

We retain data only as long as necessary for service delivery, legal obligations, or legitimate business needs. After that, data will be securely deleted or anonymized.

8. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access & Portability – receive a copy of your data
• Correction – fix inaccurate or incomplete data
• Deletion ("Right to be Forgotten")
• Restriction or Objection – to processing or marketing
• Consent withdrawal – at any time
• Non-discrimination – under CCPA, you won't face discrimination for exercising rights

To exercise your rights, contact us at contact@masterfins.com

9. Security

We implement encryption, access controls, secure servers, and monitoring to protect your data. However, no system is 100% secure.

10. Cookies & Tracking

We use cookies for analytics, personalization, and functionality.

In the EU/UK, we ask for consent before placing non-essential cookies.

You can disable cookies in your browser, but functionality may be reduced.

11. Children's Privacy

Our services are not directed to children under 13 (or local age of digital consent). We do not knowingly collect their data.

12. Updates to Privacy Policy

We may update this Policy from time to time. Changes will be posted with an updated date.

13. Contact Us

Email: contact@masterfins.com

1. Scope

These Terms govern your use of masterfins.com and any services provided by MasterFins. By using our site or services, you agree to these Terms.

2. Services

Accounting, bookkeeping, reconciliation, tax/VAT filings, advisory, and related services.

Service scope, fees, and timelines are agreed in an engagement letter or proposal.

3. User Obligations

• Provide accurate and timely information/documents.
• Ensure compliance with applicable laws in your jurisdiction.
• Use the website and services lawfully, without unauthorized access.

4. Fees & Payments

• Fees are as agreed in writing or published on the site.
• Payments due per invoice terms.
• Late payments may incur suspension of services and interest charges.
• Refunds: only as agreed in engagement terms (non-refundable where specified).

5. Confidentiality & Data Protection

Both parties agree to protect confidential and proprietary information.

We process client data per our Privacy Policy and relevant international data laws.

6. Intellectual Property

Website content, designs, and branding are owned by MasterFins.

Clients may use deliverables (reports, statements) for internal business purposes only.

7. Liability

• We are not liable for indirect, incidental, or consequential damages.
• Total liability is capped at fees paid for the specific service giving rise to the claim.
• No liability for changes in law/tax codes after advice given.

8. Dispute Resolution

• Bangladesh clients: Governed by Bangladesh law; disputes resolved in Dhaka courts.
• UK/EU clients: Governed by UK law; disputes resolved in UK courts or arbitration.
• U.S. clients: Governed by state law (e.g. California, New York) as per engagement.
• Other clients: Governed by agreed jurisdiction in engagement letter.

9. Termination

• Either party may terminate with written notice.
• Fees remain due for services rendered before termination.
• We may suspend services for breach of Terms or non-payment.

10. Amendments

We may update these Terms from time to time. Continued use constitutes acceptance.

11. Severability

If any clause is invalid, the rest remains enforceable.