Privacy Policy

Last updated: May 20, 2025

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 [email protected]

Questions About Your Privacy?

We're here to help. Contact us anytime:

Email: [email protected]

Address: 5 Parvis Alan Turing, 75013 Paris, France

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

Important: All AI processing happens securely on encrypted servers. Your financial data is never used to train external AI models or shared with third parties.

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:

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

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.

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.

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.

✓ You control this: Delete synced contacts anytime from Settings → Data & Privacy → Delete Synced Contacts

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 [email protected] for any data-related requests.

To request deletion of your data, visit our Data Deletion page or email [email protected].

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

⚠️ Important: No transmission method is 100% secure. Keep your password private and enable two-factor authentication.

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.

Still Have Questions?

Our team is here to help with any privacy concerns.

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