Pankow is a micro-dunning service for small firms. It connects to a firm's QuickBooks Online or Xero account, reads invoices that are already overdue, and sends payment reminders to the firm's debtors in the firm's voice, by email, until the invoice is marked paid.
When a firm connects QuickBooks Online or Xero, Pankow reads the firm's invoice and customer contact data needed to chase overdue invoices: invoice numbers, amounts, due dates, and the debtor's name, email address and phone number as stored in the firm's accounting system. Pankow also stores the firm's own account details (firm name, email address) and the connection tokens that let it read the accounting data.
We use this data only to run the dunning service for that firm: to build reminder sequences, to send reminders to the firm's debtors, and to record payment outcomes so future reminders reflect the debtor's payment behaviour. We do not sell, share or rent customer or debtor data to any third party. We do not use the data for advertising.
Pankow runs on Railway (hosting), uses Resend to send reminder emails, and uses DeepSeek to draft reminder text in the firm's voice. These processors handle data only as instructed by Pankow and only to provide the service. No data is shared with any other party.
Invoice and reminder data is kept while the firm's account is active and for a reasonable period afterwards to keep an audit trail of reminders sent. When a firm disconnects its accounting system or closes its account, we delete the connection tokens and stop reading new data. A firm can ask us to delete its data at any time by writing to support@pankow.ai.
If you are a debtor who received a reminder from Pankow on behalf of a firm, the firm that sent the reminder is responsible for the underlying invoice and your contact details. You can ask that firm to correct or remove your details, or contact us at support@pankow.ai and we will pass the request on. If you are a firm using Pankow, you can access, correct or delete your data by contacting us at support@pankow.ai.
Accounting connections use OAuth and we store only the tokens, never the firm's accounting password. Data is transmitted over encrypted connections and stored on infrastructure with access controls.
We may update this policy from time to time. The date at the top shows the latest version. If we make a material change we will note it here.
Markera OÜ, Sepapaja tn 6, 15551 Tallinn, Estonia. Email: support@pankow.ai.