Privacy Policy

This Privacy Policy describes how Chirps ("Service", "Platform"), a product developed and operated by Monzed ("we", "us", or "our"), collects, uses, and discloses your information. By using our Service, you agree to the collection and use of information in accordance with this policy.

We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy or our practices with regards to your personal information, please contact us at privacy@monzed.com.

1. Information We Collect

1.1 Personal Information

We collect personal information that you voluntarily provide to us when registering at the Service, expressing an interest in obtaining information about us or our products and services, when participating in activities on the Service, or otherwise contacting us.

• Account Data: Name, email address, password, and contact data.
• Payment Data: We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. Usage of payment data is handled securely by our payment processor (Stripe).

1.2 Usage & Technical Data

We automatically collect certain information when you visit, use, or navigate the Service. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Service, and other technical information.

1.3 AI Interactions & Content

When you use our AI features, we process:

• Inputs: Text, documents, URLs, and other content you submit for processing.
• Outputs: The generated content produced by the AI models.
• Feedback: Any corrections or feedback you provide on the AI outputs.

2. How We Use Your Information

We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent. We use the information we collect or receive to:

• Provide the Service: To create and manage your account, process payments, and deliver the AI functionalities you request.
• Improve Our AI Models: We may use anonymized and aggregated data to improve the performance and accuracy of our AI models. We do not use your confidential Customer Data or proprietary Inputs to train generic foundational models without your explicit consent.
• Communications: To send you administrative information, such as product updates, security alerts, and support messages.
• Security: To protect our Services, including fraud prevention and monitoring for suspicious activity.

3. Artificial Intelligence & Third-Party Processors

To provide our AI-powered features, we utilize third-party Large Language Model (LLM) providers (such as OpenAI and Anthropic) as sub-processors.

• Data sent to these providers is used solely for the purpose of generating responses and is processed in accordance with their strict enterprise privacy policies.
• We have implemented agreements with these providers to ensure they do not use your data to train their foundational models.

4. Sharing Your Information

We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.

• Service Providers: We may share your data with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work (e.g., cloud hosting via Vercel/Supabase, payment processing via Stripe).
• Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.

5. International Transfers

Our servers are located in secure data centers. If you are accessing our Service from outside, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, such as the right to access, correct, delete, or restrict the use of your data.

To exercise these rights, please contact us at privacy@monzed.com. We will respond to your request in accordance with applicable laws.

7. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

8. Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Service is at your own risk.

9. Updates to this Policy

We may update this privacy policy from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

10. Contact Us

If you have questions or comments about this policy, you may email us at privacy@monzed.com or by post to:

Monzed
Harju maakond, Tallinn
Kesklinna linnaosa, Tornimäe tn 5
10145 Estonia