PULSE
Payment behaviour monitoring for builders
What we collect
- Supplier (AP) invoices: dates, amounts, paid dates and amounts. Supplier names are received from your accounting platform during each pull cycle and used in memory only - to classify suppliers (regular trade vs COD or auto-pay) and compute aggregate signals (median DPD, ageing tail, distinct supplier count). Raw supplier names are not persisted to our database except in a small operator-facing quality-assurance index of suppliers detected as COD or auto-pay, which is used only by Pulse operators to validate the exclusion logic and is never displayed externally.
- Customer (AR) invoices: dates, amounts, payment status. Used for outstanding exposure, ageing-trend signals, and the liquidity squeeze customer side.
- Balance sheet snapshots: tax liability balances (GST, PAYGW, super), director loan account balances.
- Chart of Accounts: revenue and liability account classifications.
- BAS lodgement timing: filing dates and frequencies.
- Manual journal entries: existence and timing only (used to verify payment clearance).
- Bank transaction summaries: volume and timing patterns; no individual transaction detail.
What we don't collect
- Bank account numbers, login credentials, or financial institution details.
- Per-employee payroll records, salaries, or personal employee data. We read aggregate wage-derived liability balances only.
- Customer or supplier contact details. Entity names are stored as display labels for your dashboard only.
- Passwords or any authentication secrets.
How we use it
- All behavioural analysis runs against your random monitoring code, not your business name. Entity names are stored as display labels for dashboard and reporting purposes only.
- Your data is compared against your own historical baseline and (for some signals) anonymised peer cohorts within your revenue band. Other builders' data is never disclosed to you.
- Data is encrypted at rest and never sold or shared with third parties.
- You can disconnect at any time from your accounting platform's Connected Apps settings (Xero, MYOB, or QuickBooks Online).
By connecting your accounting platform you confirm you are authorised to share this data on behalf of your business.