Intercom Fin vs. sevdesk: data protection per plan

yes (Data Processing Addendum, Effective 2025-04-09, including standard contractual clauses)

yes (data processing agreement under Art. 28(3) GDPR, publicly available as a PDF, version Offenburg 04.07.2025; according to the help centre it is concluded digitally and does not need to be returned; applies to all customers, as according to the terms sevdesk only contracts with businesses)

yes (data processing agreement under Art. 28(3) GDPR, publicly available as a PDF, version Offenburg 04.07.2025; according to the help centre it is concluded digitally and does not need to be returned; applies to all customers, as according to the terms sevdesk only contracts with businesses)

yes (data processing agreement under Art. 28(3) GDPR, publicly available as a PDF, version Offenburg 04.07.2025; according to the help centre it is concluded digitally and does not need to be returned; applies to all customers, as according to the terms sevdesk only contracts with businesses)

yes (data processing agreement under Art. 28(3) GDPR, publicly available as a PDF, version Offenburg 04.07.2025; according to the help centre it is concluded digitally and does not need to be returned; applies to all customers, as according to the terms sevdesk only contracts with businesses)

Security page: 'Fin trains only on your knowledge and Procedures, never on data you haven't approved, and you can opt out of fine-tuning anytime, with data deleted within 30 days.' FAQ on the Security page: 'Fin can use anonymized customer data for model fine-tuning'; opt-out at any time. Security page also: 'Fin Apex 2.0 is grounded in your knowledge base and post-trained on Fin's own production data'; third-party AI 'contractually barred from training on your data, with zero retention once a response is generated'. The Product Privacy Notice contains no statement on training; how the opt-out is exercised is not described there or in the help centre.

No explicit statement on training AI models with customer data. Help article "Belege erfassen" (recording receipts): the automatic receipt recognition is continuously learning and improves with every uploaded receipt. Receipt capture product page: booking category suggestions learn from the user's assignments. DPA section 3(6): operational data may be used anonymously and in aggregated form for evaluation purposes and, where applicable, for error analysis and further development of the products; section 2(2): statistical use only anonymised and aggregated. Whether this includes model training across customer accounts and whether an opt-out exists is not described.

No explicit statement on training AI models with customer data. Help article "Belege erfassen" (recording receipts): the automatic receipt recognition is continuously learning and improves with every uploaded receipt. Receipt capture product page: booking category suggestions learn from the user's assignments. DPA section 3(6): operational data may be used anonymously and in aggregated form for evaluation purposes and, where applicable, for error analysis and further development of the products; section 2(2): statistical use only anonymised and aggregated. Whether this includes model training across customer accounts and whether an opt-out exists is not described.

No explicit statement on training AI models with customer data. Help article "Belege erfassen" (recording receipts): the automatic receipt recognition is continuously learning and improves with every uploaded receipt. Receipt capture product page: booking category suggestions learn from the user's assignments. DPA section 3(6): operational data may be used anonymously and in aggregated form for evaluation purposes and, where applicable, for error analysis and further development of the products; section 2(2): statistical use only anonymised and aggregated. Whether this includes model training across customer accounts and whether an opt-out exists is not described.

No explicit statement on training AI models with customer data. Help article "Belege erfassen" (recording receipts): the automatic receipt recognition is continuously learning and improves with every uploaded receipt. Receipt capture product page: booking category suggestions learn from the user's assignments. DPA section 3(6): operational data may be used anonymously and in aggregated form for evaluation purposes and, where applicable, for error analysis and further development of the products; section 2(2): statistical use only anonymised and aggregated. Whether this includes model training across customer accounts and whether an opt-out exists is not described.

Sub-processor list (2026-06-25): for customers with EU data hosting, AWS is in Dublin (eu-west-1), Snowflake in Ireland; AI processing by OpenAI, Google, Microsoft, Eleven Labs and Cartesia located in the 'EU' (Anthropic not listed in the EU section). Help centre: 'Regional Data Hosting is only available to new workspaces on the Advanced and Expert plans'; only with a contract ('available to customers on a contract'), via sales; no migration of existing workspaces, conversations cannot be transferred; surcharge not stated. Regional Data Hosting Addendum (2024-03-08): account management, support and individual features may be processed outside the EU. Default: USA.

Sub-processor list (as of 10.04.2024): hosting with Amazon Web Services EMEA SARL, data hosted exclusively in Germany, access from third countries for support purposes conceivable; TOMs: AWS Frankfurt data centres; security page: hosting with AWS (no location stated); FAQ on the online banking page: receipts are stored 'in a certified data centre with server location in Germany' (translated). DPA section 2(3): processing in principle in the EU/EEA, outside only after prior notice and subject to Art. 44 et seq. GDPR. Where the AI features (receipt recognition, bank reconciliation, AI agent Sevi) are processed and whether external AI providers are used for them is not documented.

Sub-processor list (as of 10.04.2024): hosting with Amazon Web Services EMEA SARL, data hosted exclusively in Germany, access from third countries for support purposes conceivable; TOMs: AWS Frankfurt data centres; security page: hosting with AWS (no location stated); FAQ on the online banking page: receipts are stored 'in a certified data centre with server location in Germany' (translated). DPA section 2(3): processing in principle in the EU/EEA, outside only after prior notice and subject to Art. 44 et seq. GDPR. Where the AI features (receipt recognition, bank reconciliation, AI agent Sevi) are processed and whether external AI providers are used for them is not documented.

Sub-processor list (as of 10.04.2024): hosting with Amazon Web Services EMEA SARL, data hosted exclusively in Germany, access from third countries for support purposes conceivable; TOMs: AWS Frankfurt data centres; security page: hosting with AWS (no location stated); FAQ on the online banking page: receipts are stored 'in a certified data centre with server location in Germany' (translated). DPA section 2(3): processing in principle in the EU/EEA, outside only after prior notice and subject to Art. 44 et seq. GDPR. Where the AI features (receipt recognition, bank reconciliation, AI agent Sevi) are processed and whether external AI providers are used for them is not documented.

Sub-processor list (as of 10.04.2024): hosting with Amazon Web Services EMEA SARL, data hosted exclusively in Germany, access from third countries for support purposes conceivable; TOMs: AWS Frankfurt data centres; security page: hosting with AWS (no location stated); FAQ on the online banking page: receipts are stored 'in a certified data centre with server location in Germany' (translated). DPA section 2(3): processing in principle in the EU/EEA, outside only after prior notice and subject to Art. 44 et seq. GDPR. Where the AI features (receipt recognition, bank reconciliation, AI agent Sevi) are processed and whether external AI providers are used for them is not documented.

• Amazon Web Services (hosting; default USA, with EU hosting Dublin, Ireland, region eu-west-1)
• Snowflake (data warehouse and AI processing; default USA, with EU hosting Ireland)
• AI default: OpenAI, Anthropic, Google, Microsoft (each USA); with EU hosting: OpenAI, Google, Microsoft (EU), Anthropic not listed
• Text-to-speech: Eleven Labs, Cartesia (default USA, with EU hosting EU)
• PlanetScale, Ably Realtime and others (USA)

• Amazon Web Services EMEA SARL, German branch (external data centre, hosting; data only in Germany)
• EMAILBRIEF GmbH, Mutterstadt (sending invoices by post)
• Termitel GmbH, Ettlingen (handling customer phone enquiries)
• Twilio Inc. (SendGrid, Inc.), Dublin (sending emails; EU-U.S. Data Privacy Framework and standard contractual clauses)
• AI-specific sub-processors: not publicly documented (list as of 10.04.2024 names none)

• Amazon Web Services EMEA SARL, German branch (external data centre, hosting; data only in Germany)
• EMAILBRIEF GmbH, Mutterstadt (sending invoices by post)
• Termitel GmbH, Ettlingen (handling customer phone enquiries)
• Twilio Inc. (SendGrid, Inc.), Dublin (sending emails; EU-U.S. Data Privacy Framework and standard contractual clauses)
• AI-specific sub-processors: not publicly documented (list as of 10.04.2024 names none)

• Amazon Web Services EMEA SARL, German branch (external data centre, hosting; data only in Germany)
• EMAILBRIEF GmbH, Mutterstadt (sending invoices by post)
• Termitel GmbH, Ettlingen (handling customer phone enquiries)
• Twilio Inc. (SendGrid, Inc.), Dublin (sending emails; EU-U.S. Data Privacy Framework and standard contractual clauses)
• AI-specific sub-processors: not publicly documented (list as of 10.04.2024 names none)

• Amazon Web Services EMEA SARL, German branch (external data centre, hosting; data only in Germany)
• EMAILBRIEF GmbH, Mutterstadt (sending invoices by post)
• Termitel GmbH, Ettlingen (handling customer phone enquiries)
• Twilio Inc. (SendGrid, Inc.), Dublin (sending emails; EU-U.S. Data Privacy Framework and standard contractual clauses)
• AI-specific sub-processors: not publicly documented (list as of 10.04.2024 names none)

Intercom Helpdesk: Essential 19 USD, Advanced 85 USD, Expert 132 USD per seat per month with annual billing; 29 USD, 99 USD, 139 USD with monthly billing (pricing page; Lite seats free of charge). AI surcharge separate: Fin AI Agent 0.99 USD per outcome ('outcome'), qualifications 9.99 USD; with a third-party helpdesk, minimum purchase of 50 outcomes per month; Copilot 29 USD (annual billing) or 35 USD (monthly billing) per user per month; Pro add-on from 100 USD per workspace per month (Intercom and Fin pricing pages; USD only; net/gross not stated)

EUR 0 ("permanently free", no credit card); according to the help centre applied automatically after the 14-day trial, unlimited in time; no add-ons bookable, limited support.

List price EUR 11.90 per month billed monthly, EUR 9.90 per month for 12 months (billed annually), EUR 8.90 per month for 24 months, each plus VAT; 1 user, additional users via add-on at EUR 5.90 per month. On the retrieval date the pricing page also showed promotional prices ("up to 50% discount"); according to terms section 1.5, discounts only apply to first bookings by new customers for the minimum term, renewals at regular prices.

List price EUR 25.90 per month billed monthly, EUR 22.90 per month for 12 months, EUR 19.90 per month for 24 months, each plus VAT; 1 user, more via add-on at EUR 5.90 per month. On the retrieval date the pricing page also showed promotional prices ("up to 50% discount"); according to terms section 1.5, discounts only apply to first bookings by new customers for the minimum term, renewals at regular prices.

List price EUR 34.90 per month billed monthly, EUR 30.90 per month for 12 months, EUR 27.90 per month for 24 months, each plus VAT; 1 user, more via add-on at EUR 5.90 per month. On the retrieval date the pricing page also showed promotional prices ("up to 50% discount"); according to terms section 1.5, discounts only apply to first bookings by new customers for the minimum term, renewals at regular prices.

yes (Fin AI Agent usable in all plans; base fee 0 USD; billing per outcome)

no (pricing page: the free plan covers 3 (e-)invoices per month, contacts, products and support material; AI-supported receipt capture and the AI agent Sevi are only listed for paid plans)

yes (AI agent Sevi in support, according to the pricing page in all three paid plans; AI-supported receipt capture and online banking reconciliation only from the Buchhaltung plan)

yes (AI-supported receipt capture reading date, amount, receipt number and supplier and suggesting the booking category; AI-supported matching of bank payments to invoices and receipts; AI agent Sevi; suggestions must be reviewed and confirmed by the user)

yes (all AI features from Buchhaltung; additionally cost centres, management accounts (BWA) and REST API)