Breza.AI (“we,” “our,” or “us”) is committed to protecting your privacy and ensuring the security of your personal data.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our platform, services, or website, including our AI-powered WhatsApp banking solution.

By using Breza.AI, you consent to the practices described in this policy.

1. Information We Collect

We may collect the following information:

a) Personal Information:

• Name, email address, phone number, and other identifying information.

• Banking-related data submitted voluntarily through WhatsApp or our platform.

b) Transactional and Usage Data:

• Loan applications, banking queries, and interactions with our AI.

• Device information, IP address, browser type, operating system, and location data.

• Cookies, analytics, and tracking information.

c) AI Interaction Data:

• Messages sent to our AI, AI-generated responses, and metadata for improving conversation quality.

2. How We Use Your Information

We use your information to:

• Provide and improve our AI-powered WhatsApp banking services.

• Respond to inquiries, process requests, and handle transactions.

• Ensure compliance with GDPR, CCPA, and other applicable laws.

• Monitor, analyze, and optimize service performance.

• Personalize user experience and deliver relevant communications.

• Detect, prevent, and address fraud, unauthorized transactions, or security issues.

3. Legal Basis for Processing (GDPR)

For users in the EU, Breza.AI processes personal data based on:

• Consent – where you provide explicit permission.

• Contractual necessity – to provide services you requested.

• Legal obligations – to comply with applicable laws.

• Legitimate interests – to improve services, detect fraud, or maintain security.

4. Your Privacy Rights

Depending on your location, you may have rights under GDPR, CCPA, and other regulations:

GDPR (EU Residents):

• Access, correct, or delete your personal data.

• Restrict or object to processing.

• Data portability requests.

• Withdraw consent at any time.

CCPA (California Residents):

• Request disclosure of personal information collected.

• Opt-out of the sale of personal information (we do not sell personal info).

• Request deletion of personal information.

• Non-discrimination for exercising your privacy rights.

To exercise your rights, contact us at [Insert Contact Email].

5. Information Sharing and Disclosure

We do not sell personal data. We may share information with:

• Service Providers: Companies that assist with AI, hosting, analytics, or customer support.

• Legal and Regulatory Authorities: Where required by law or to protect our rights.

• Business Transfers: In the event of mergers, acquisitions, or sales.

All third parties are required to handle your information securely and in compliance with applicable laws.

6. Data Retention

We retain personal data only as long as necessary for the purposes described, or as required by law. After this period, your data will be securely deleted or anonymized.

7. Cookies and Tracking Technologies

We use cookies, Google Consent Mode v2, and similar technologies to:

• Improve website functionality and user experience.

• Analyze usage and traffic patterns.

• Deliver personalized content and marketing messages.

You can manage cookie preferences through your browser settings or consent management tools.

8. Children’s Privacy

Our services are not directed to individuals under 13 years of age. We do not knowingly collect personal data from children. If we discover that personal data from a child has been collected, we will promptly delete it.

9. AI and WhatsApp Banking Specifics

• Our AI interacts with customers on Meta Verified WhatsApp, collecting only necessary banking and conversational data.

• AI responses are automated but designed to maintain accuracy, privacy, and compliance.

• WhatsApp interactions are encrypted and secure.

10. Data Security

We implement technical, administrative, and physical safeguards to protect your personal information. Despite these measures, no system can guarantee 100% security.

11. International Data Transfers

Data may be processed and stored outside your home country. We ensure such transfers comply with applicable privacy laws, including GDPR adequacy rules or standard contractual clauses.

12. Changes to This Privacy Policy

We may update this policy to reflect changes in regulations, services, or business practices. Material changes will be communicated via our website or email.

13. Contact Us

For questions, concerns, or to exercise your privacy rights, contact:

Email: [email protected]