1. Introduction

Tensor LLC, doing business as Tracta ("we," "our," or "us"), operates Tracta, a payroll management platform for family businesses. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service.

By using Tracta, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Account Information

When you create an account, we collect your name and email address. Tracta doesn't use passwords: you sign in with a passkey or a one-time code sent to your email.

Business Information

To provide payroll services, we collect information about your business including legal name, EIN (Employer Identification Number), address, and state tax account information.

Employee Information

For each employee you add, we collect name, date of birth, Social Security Number (encrypted), address, pay rate, and tax withholding information (W-4 data).

Payroll Data

We collect and store timesheet entries, payroll calculations, pay stubs, and tax form data (W-2, 940, 941).

Bank Account Information

If you use bookkeeping and choose to connect a bank or credit card account, we use Plaid Inc. ("Plaid") to collect information from your financial institution. This includes account names, the last four digits of account numbers, account types, and transaction details such as dates, amounts, descriptions and merchant names. You choose which accounts to connect, and you can disconnect them at any time. We use this information only to provide bookkeeping: importing, categorizing and reconciling your transactions and preparing your reports. By connecting an account, you acknowledge and agree that Plaid's collection and handling of your information is governed by the Plaid End User Privacy Policy.

Usage Data

We automatically collect information about how you access and use Tracta, including IP address, browser type, pages visited, and time spent on pages.

3. How We Use Your Information

We use the information we collect to:

Provide, operate, and maintain Tracta
Process payroll and generate tax documents
Import, categorize and reconcile the bank transactions you connect for bookkeeping
Send you service-related communications
Respond to your inquiries and support requests
Monitor and analyze usage patterns to improve our service
Detect, prevent, and address technical issues or fraud
Comply with legal obligations

4. Data Security

We implement industry-standard security measures to protect your data:

Social Security Numbers are encrypted using AES-256 encryption
Credentials that let us access your connected bank accounts through Plaid are encrypted, and we never see your bank login
All data is transmitted over HTTPS/TLS
Data is stored on AWS with encryption at rest
Access to sensitive data is strictly controlled and logged
Regular security audits and monitoring

While we strive to protect your information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your data for as long as your account is active and as required by law. Payroll records are retained for a minimum of 4 years per IRS requirements.

You may request deletion of your account and data by contacting us at support@tracta.us. Some data may be retained as required by law. See how to delete your account for the steps and what we keep.

When you disconnect a bank account, we stop importing its transactions and revoke our access through Plaid. Transactions already imported stay in your books until you delete them or your account.

6. Information Sharing

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

Service Providers: We use third-party services (AWS, Stripe, Plaid) to operate our platform. These providers are bound by confidentiality agreements. Plaid connects the bank and credit card accounts you choose to link; see the Plaid End User Privacy Policy. If you use bookkeeping, the descriptions, amounts and dates of your bank transactions, and the names of your accounts, are sent to Amazon Bedrock on AWS to suggest categories; AWS does not use them to train models.
Legal Requirements: We may disclose information if required by law, court order, or government request.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of the transaction.

7. Your Rights

You have the right to:

Access the personal information we hold about you
Correct inaccurate or incomplete information
Request deletion of your data (subject to legal requirements)
Export your data in a portable format
Opt out of marketing communications

To exercise these rights, contact us at support@tracta.us.

8. Children's Privacy

Tracta is designed for business use by adults. While our service involves managing payroll for minor employees, account registration is only available to adults (18+). We do not knowingly collect personal information directly from children under 13.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of Tracta after any changes constitutes acceptance of the updated policy.

10. Contact Us

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

Email: support@tracta.us
Company: Tracta (Tensor LLC)