Privacy Policy
TL;DR - Quick Summary
- Your AI Agents need data:
- Jarvis monitors transactions, detects fraud, and sends alerts—this requires access to your financial data.
- You control your data:
- Access, update, or delete your information anytime from Settings → Data & Privacy.
- Bank-grade security:
- All data is encrypted with SSL. We never sell your information to third parties.
- Contact syncing is optional:
- We only sync contacts with your permission—and you can delete them anytime.
- Questions?
- Email us at contact@everydaymoney.app
How Our AI Agents Use Your Data
Jarvis is an AI agent that works 24/7 to protect your business and answer your questions. Here's how it uses your data:
🤖 Jarvis - Your AI Accountant
- Monitors all transactions (POS, cash, bank transfers) in real-time to auto-match payments
- Analyzes spending patterns to answer questions like "How much did we make today?"
- Sends proactive alerts when unusual activity is detected
AI-Powered Customer Messaging (Instagram & WhatsApp)
If you're a merchant using Moniq or Komposa, our AI agent can automatically respond to your customers' messages on Instagram and WhatsApp 24/7, with seamless handoff to you when needed.
🤖 What Data We Access
- Customer Messages:
- We access messages sent to your business Instagram/WhatsApp account to enable AI responses
- Instagram Account Info:
- Business account username, profile picture, follower count (basic public info)
- WhatsApp Business Profile:
- Business name, phone number, and profile information
- Customer Identifiers:
- Customer Instagram usernames or WhatsApp phone numbers (to route conversations)
💬 How the AI Agent Works
- Automatic Responses:
- When customers message your business, our AI responds instantly using your business context and product information
- Smart Handoff:
- When customers request human help or AI detects complex queries, conversations are handed off to you with full context
- Conversation Storage:
- We store message history to maintain context and improve service quality
- Business Training:
- You can customize AI behavior with your business info, policies, and brand voice
🔐 Your Customer's Privacy
- Secure Storage:
- Customer messages are stored with strict access controls; some conversational logs may be stored without encryption at rest
- AI Sub-processors:
- To generate automated replies, customer messages are processed by AI services (Anthropic Claude, OpenAI) acting as sub-processors under strict data processing agreements. These services do not retain message content beyond the processing request and do not use your customers' messages to train their models.
- No Marketing Use:
- Customer messages are NEVER used for advertising, marketing profiling, or sold to third parties.
- No AI Training:
- Customer messages are NOT used to train external AI models.
- Data Isolation:
- Each merchant's customer data is completely isolated from other merchants
✓ Merchant Control
You have full control: Disconnect Instagram or WhatsApp anytime from Settings → Integrations. When disconnected, we immediately stop accessing messages and delete conversation history within 30 days.
📋 Meta Platform Terms
This feature uses Instagram Messaging API and WhatsApp Business API, operated by Meta Platforms. By using this feature, you also agree to:
- Meta Platform Terms
- Meta Privacy Policy
- WhatsApp Business Policy
⚠️ Important for Your Customers
When customers message your business on Instagram or WhatsApp, they should be informed that:
- Responses may be automated by AI
- Their messages are stored to provide service
- They can request human assistance at any time
- They can request deletion of their conversation history by contacting your business
Integrations & Connected Services
When you connect third-party services, we access only what is needed to provide the integration. You can disconnect anytime in Settings → Integrations.
- WhatsApp Business
- Business profile info and customer messages to enable AI replies and routing.
- Instagram Messaging
- Business account info and customer DMs to enable AI replies and handoff.
- Shopify
- Store details, products, orders, and customer info to sync catalog and order context.
- Stripe
- Account status, payments, and payouts to reconcile transactions and surface insights.
- Google Calendar
- Calendar events and availability to sync bookings and prevent conflicts.
- Calendly
- Event types, bookings, and invitee details to sync appointments and reminders.
You control your connections
Disconnect any integration at any time from Settings → Integrations. We stop access and delete cached data within 30 days unless required by law.
Provider policies
These services are governed by their own terms and privacy policies:
- Meta Platform Terms
- Meta Privacy Policy
- WhatsApp Business Policy
- Shopify Privacy Policy
- Stripe Privacy Policy
- Google Privacy Policy
- Calendly Privacy Policy
Merchant notice
You are responsible for informing your customers when you connect messaging or booking channels.
- Post a privacy notice in your shop or booking page
- Only connect accounts you control
- Disconnect anytime to stop data access
Coverage for Connected Services
When you enable these services in Moniq or Komposa settings, we process only the data needed to deliver the feature and limit use to that purpose.
- WhatsApp & Instagram:
- Messages and identifiers to automate replies and provide handoff. Access stops on disconnect and message history is deleted within 30 days.
- Shopify:
- Store details, products, orders, and customer info to sync catalog, create orders, and support customers.
- Stripe:
- Account status, payments, and payouts to create checkouts, reconcile transactions, and provide insights.
- Google Calendar:
- Calendar events and availability to schedule appointments and prevent conflicts.
- Calendly:
- Event types, bookings, and invitee details to coordinate scheduling and reminders.
- AI Configuration:
- Merchant-provided business details used only to personalize AI responses; no legal or significant automated decisions.
Moniq & Komposa Customer Data for Commerce
When merchants use Moniq or Komposa to sell, support, or engage customers, we process limited customer data to deliver those services.
- Minimum data:
- We process only what is needed to answer customer questions and create or manage orders (name, email, phone, order details, and message context).
- Purpose limitation:
- Customer data is used to provide catalog sync, order creation, checkout links, fulfillment context, and customer support.
- No data selling:
- We do not sell customer personal data and do not use it for third-party advertising.
- Merchant agreements:
- We provide data protection commitments in our merchant agreements and act as a processor for merchant customer data.
- Consent and opt-out:
- We respect consent signals from connected channels and honor opt-out requests where applicable.
- Automated decisions:
- If automated decisions with legal or significant effects are used, customers can opt out by requesting a human agent.
- Retention:
- We keep customer data only as long as needed for service delivery, support, and legal obligations.
- Security:
- Data is encrypted in transit (TLS). Sensitive credentials like access tokens are encrypted at rest, and access is tightly controlled.
What Data We Collect
Personal Information
To provide our AI-powered finance services, we collect:
- Name, email, and phone number
- Business information and address
- Transaction data (POS, cash, bank transfers)
- Device information (IP address, browser type, operating system)
Contact Syncing (Optional)
With your permission, we sync your phone contacts to help you easily send money or message contacts via WhatsApp. We only store phone numbers and names—nothing else.
Location Data (Optional)
We use location data to show nearby merchants and provide relevant services. You can enable/disable this in your device settings.
How We Use Your Data
- Service delivery:
- To provide virtual cards, wallets, invoicing, and AI monitoring
- AI-powered insights:
- Jarvis analyzes transactions to detect fraud and answer questions
- Communication:
- Send alerts, notifications, and important updates via WhatsApp, SMS, or email
- Security:
- Prevent fraud, detect suspicious activity, and protect your account
- Compliance:
- Meet legal obligations and regulatory requirements
Your Data, Your Control
You have full control over your personal information:
- Access Your Data
- View all the personal information we have about you anytime from your account settings.
- Update Information
- Correct or update your personal details directly in the app or by contacting us.
- Delete Your Data
- Request permanent deletion via Settings → Data & Privacy → Delete My Account
- Opt-Out Marketing
- Unsubscribe from promotional emails by clicking "Unsubscribe" in any marketing email.
Need help?
Email contact@everydaymoney.app for any data-related requests.
To request deletion of your data, visit our Data Deletion page or email contact@everydaymoney.app.
Security Measures
We use bank-grade security to protect your data:
- SSL Encryption:
- All data transmitted is encrypted using industry-standard SSL technology
- Access Controls:
- Strict employee access policies—only authorized personnel can access your data
- Breach Notification:
- We'll notify you immediately if any data breach occurs
Cookies & Tracking
We use cookies to improve your experience. You control your cookie preferences via our cookie banner.
- Essential Cookies:
- Required for the app to function (always enabled)
- Analytics Cookies:
- Help us understand how you use the app (optional)
- Marketing Cookies:
- Show relevant ads and promotions (optional)
Additional Information
- Children's Privacy
- Our service is not intended for individuals under 13. We do not knowingly collect data from children. If you become aware of such collection, please contact us immediately.
- Data Retention
- We retain your data as long as necessary to provide services and comply with legal obligations. You can request deletion at any time from Settings → Data & Privacy.
- Third-Party Links
- Our service may contain links to third-party websites. We're not responsible for their privacy practices. Please review their policies before sharing data.
- Changes to This Policy
- We may update this Privacy Policy periodically. We'll notify you by email or prominent app notice before changes take effect. The "Last updated" date reflects the latest revision.
Questions About Your Privacy?
We're here to help. Contact us anytime:
Email: contact@everydaymoney.app
Address: 5 Parvis Alan Turing, 75013 Paris, France