Privacy Policy

Effective Date: July 27, 2026

ZAFA Chartered Accountants ("ZAFA," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.

1. Information We Collect

We may collect:

• Personal Information: Name, email address, phone number, business details
• Financial Information: Accounting data, tax records, financial statements
• Technical Data: IP address, browser type, access times (for website visitors)
• Client Data: Information provided by clients for the purpose of professional services

2. How We Use Your Information

We use collected information to:

• Provide accounting, audit, tax, and advisory services
• Communicate with clients regarding engagements and deliverables
• Comply with legal and regulatory obligations (ICAP, FBR, SECP)
• Improve our services and client experience
• Process payments and manage client accounts

3. Data Sharing and Disclosure

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

• With regulatory authorities as required by law (FBR, SECP, ICAP)
• With service providers who assist in our operations (under confidentiality agreements)
• With client consent or as directed by the client
• To protect our rights, property, or safety

4. Data Security

We implement industry-standard security measures including encryption, access controls, and secure servers to protect your information. However, no method of transmission or storage is 100% secure.

5. Data Retention

We retain client records for the period required by professional standards and applicable laws (typically 7-10 years for financial records in Pakistan).

6. Your Rights

You have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of data (subject to legal retention requirements)
• Withdraw consent where processing is based on consent

7. QuickBooks Online Integration

For clients using QuickBooks Online: our integration accesses your QBO data solely for the purpose of providing our professional services. Data is processed in accordance with Intuit's API terms and this Privacy Policy. We do not store QBO credentials — authentication is handled via secure OAuth 2.0 tokens.

8. International Data Transfers

Our servers are located in Germany (Hetzner). By using our services, you consent to the transfer of your information to servers outside Pakistan. We ensure appropriate safeguards are in place.

9. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

10. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact:

ZAFA Chartered Accountants
Office # 6, 1st Floor, Cantt Board Plaza
Tufail Road, Lahore Cantt
Pakistan
Email: info@zafaca.com
Phone: +92 321-5149587