Your privacy is protected

This Privacy Policy explains how Ratio Accounting & Financial Advisory collects, uses, stores, and protects personal information across our website, services, mobile applications, and digital platforms including Ratio Volt.

Last Updated: November 2025

1. Information We Collect

a. Personal Information

•Full name
•Email address
•Mobile number
•Business name and business details
•Documents shared for accounting, VAT, corporate tax, payroll, and bookkeeping purposes

b. Financial & Operational Information

•Invoices, receipts, bank statements
•POS reports, sales summaries, settlement statements
•Supplier and customer information
•Employee payroll data (where applicable)

c. App & Platform Usage Information

•Login activity
•Device information (model, OS, browser)
•IP address and location (for security)
•Activity logs within Ratio Volt

d. Cookies & Tracking

•Session cookies
•Authentication cookies
•Analytics for performance and user behaviour

2. How We Use Your Information

Deliver accounting, bookkeeping, VAT, and CT services
Provide access to Ratio Volt and related features
Communicate updates, alerts, and service notifications
Improve platform usability and user experience
Ensure compliance with UAE regulations (FTA, MOHRE, DOH etc.)
Enhance app security and prevent unauthorised access

3. How We Store & Protect Your Data

Data encrypted in transit (SSL/TLS) and at rest
Secure servers hosted in compliant environments
Role-based access control for all employees
Regular audits and system reviews
No financial data stored on mobile devices

4. Sharing & Disclosure

We do not sell or rent any user information.

Information may be shared only in the following cases:

With your permission
With auditors and regulatory authorities (FTA, MOHRE, DOH etc.) when required
With integrated services (QuickBooks, Zoho, POS systems) based on your usage
With third-party infrastructure providers necessary for app operation

5. Data Retention

We retain data as long as your engagement is active and for a reasonable period thereafter to meet UAE regulatory requirements.

6. User Rights

You may request:

Data export
Data correction
Account deletion
Restriction of processing (where applicable)

Requests can be sent to: info@ratio.ae

7. Children's Privacy

Our services are not intended for individuals below 18 years of age.

8. Compliance with App Stores

Ratio Volt complies with:

Apple App Store privacy guidelines
Google Play Store user data policies
Global privacy standards including GDPR principles

9. Updates to This Policy

We may update this policy from time to time. Continued use of our apps and services constitutes acceptance of any updated terms.

Questions about our privacy practices?

We're here to help. Contact us for any privacy-related inquiries.