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EU VETTED

Navor

Navor Sàrl (UID CHE-210.561.933), Avenue Warnery 9, 1007 Lausanne, Switzerland

Accounting · Switzerland
Founded 2025 · navor.ai

Swiss AI bookkeeping for SMEs and fiduciaries (Navor Sàrl, Lausanne, 2025); Swiss data residency claimed, no public DPA or sub-processor list.

Navor offers EU hosting in Switzerland, but a US parent or sub-processor leaves material CLOUD Act exposure. It is listed under Accounting.

Assessment notes

Navor Sàrl (Lausanne, UID CHE-210.561.933, registered August 2025) is Swiss-incorporated and founder-held, and the vendor itself asked this directory to record its transparency gaps rather than infer around them. Those gaps are the determining factor: no public DPA, no sub-processor register, no privacy policy at any discoverable URL, and no standalone hosting-region declaration beyond a single homepage line. The seven-paragraph terms page is the only legal document published. Against that, the observable stack is US-owned at several layers: both navor.ai and app.navor.ai answer from Google Cloud (Google Frontend, googleusercontent.com reverse DNS), identity runs on Clerk (US) fronted by Cloudflare, billing on Stripe (US), documents can be submitted through WhatsApp (Meta, US), and the product is explicitly designed to be driven from ChatGPT, Claude and Gemini, all US-owned assistants. The AI provider is never named, and the published zero retention promise is a retention commitment, not a jurisdiction one, so US processing cannot be excluded. Swiss ownership keeps ownership_signal: other, but the disclosure vacuum plus a mostly US substrate puts CLOUD Act exposure at material and the score at 2/5.

Findings

CLOUD Act
Ownership
Sub-processors
— not disclosed

Verified signals

Jurisdiction
  • EU / adequacy hosting: Yes
  • EU / adequacy operator: Yes
  • No US CLOUD Act exposure: No
Transparency
  • Public DPA: No
  • Sub-processors disclosed: No
  • Open-source clients: No
  • Third-party certification: No
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About Navor

Navor is an AI bookkeeping platform for Swiss SMEs and fiduciaries, operated by Navor Sàrl, a Lausanne limited liability company entered in the Swiss commercial register in August 2025 (UID CHE-210.561.933, bylaws dated 15 July 2025). It is founder-run: Blend Morina (data and business), Simone Roznowicz (software engineering) and Davide Roznowicz (AI and research), with Pascal Eichenberger as a fourth registered partner.

The product takes in invoices, receipts and bank statements through the web app, by email or over WhatsApp, extracts the accounting facts, proposes reconciliations and journal entries, and produces Swiss VAT statements and financial reports. Bank connectivity runs over the Swiss bLink hub, invoicing supports Swiss QR-bills including QR-IBAN and QR references, accounts can be held in several currencies, and fiduciary access is included at no extra charge on every plan. The design point is that Navor prepares work and a human approves it: actions carry a prepared, requested, approved or denied state with the actor recorded, which gives the audit trail fiduciaries need. Distribution is unusual for the category, since the same accounting agent is meant to be driven from ChatGPT, Claude, Gemini and WhatsApp rather than only from Navor's own interface. Pricing starts at CHF 59.90 per month for the Starter plan (up to 50 transactions), after a 14-day trial, with a lower monthly rate on annual billing; the app is localised in English, German, French and Italian. Navor also describes an exploratory collaboration with two adult-protection (APEA) teams in the Canton of Valais on accounting dossiers, presented as a collaboration being shaped rather than a signed production deployment.

For a sovereignty audit this is an honest but thinly documented listing. The vendor states that financial data is stored exclusively in certified data centres in Switzerland and that AI processing runs with zero retention, and it disclosed to us up front that it publishes no DPA, no sub-processor register and no standalone hosting-region declaration. Those gaps are recorded as gaps. What is independently observable points the other way: the web app answers from Google Cloud, authentication runs on Clerk in the United States, billing on Stripe, and the headline integrations are three US-owned AI assistants, so CLOUD Act exposure is recorded as Material. Zero retention constrains what a model keeps, not which jurisdiction processes it.

Sub-processor map · not disclosed

Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.

Frameworks & certifications · none listed

We checked the vendor's website and standard certification body registries. No active certifications found at the time of last audit (2026-08-10).

Capability matrix

Table 1Capabilities of Navor

Invoicing Yes
E-invoicing No
Bank sync Yes
VAT returns Yes
Payroll No
Multi-currency Yes
Expense management Yes
Inventory No
Accountant access Yes

Integration & access

REST API No
SSO (SAML / OIDC) No

Compliance & governance

Audit log Yes
Self-host / on-prem option No

Pricing & tiers

from CHF 59.90/mo
Paid
View pricing page

Public documents

Vendor does not publish a public DPA. Without a publicly accessible Data Processing Addendum, small EU customers cannot self-serve the processor agreement. This is recorded as no public DPA (see How we assess).
Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.
  • Data Processing Addendum (DPA)
    — missing
    missing
  • Sub-processors list
    — missing
    missing
  • Terms of Service
    navor.ai/terms-and-conditions…
    Open

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