1. Introduction
AmmaMitra ("we," "our," or "us") provides digital assistance services through WhatsApp to help users navigate technology and manage their financial tasks. This Privacy Policy explains how we collect, use, protect, and share your information when you use our services, including our financial account connectivity features powered by Stripe Financial Connections.
Your privacy and the security of your financial information are our top priorities. We are committed to transparency about our data practices and giving you control over your personal information.
2. Information We Collect
We collect various types of information to provide and improve our services:
a) Information You Provide Directly
- Phone number (via WhatsApp)
- Name and contact preferences
- Messages and content you share with us
- Feedback and support requests
b) Financial Information (via Stripe Financial Connections)
- When you choose to connect your financial accounts:
- Account balances and transaction history
- Account names and numbers
- Financial institution information
- Transaction descriptions and categories
- Note: This financial data is accessed through Stripe's secure infrastructure and is used solely to provide you with account insights and assistance.
c) Automatically Collected Information
- WhatsApp message metadata (timestamps, delivery status)
- Usage patterns and interaction frequency
- Device information (as provided by WhatsApp)
- Service performance data
3. How We Use Your Information
We use the information we collect to:
Provide and Improve Services
- Respond to your questions and provide digital assistance
- Display your financial account information when requested
- Analyze spending patterns and provide insights
- Help you understand and manage your finances
- Improve our AI responses and service quality
Communication
- Send service-related messages and updates
- Respond to your support requests
- Notify you about important account or security matters
Security and Legal
- Detect and prevent fraud or abuse
- Comply with legal obligations
- Enforce our Terms of Service
- Protect the rights and safety of our users and others
4. Data Security and Protection
We implement industry-standard security measures to protect your information:
End-to-end encryption for WhatsApp messages
Secure data transmission using TLS/SSL protocols
Encrypted storage of sensitive information
Regular security audits and updates
Limited access to personal data (only authorized personnel)
Secure infrastructure provided by trusted partners (Stripe, WhatsApp)
Your financial account credentials are never stored by AmmaMitra. All financial data access is handled through Stripe Financial Connections' secure OAuth process.
5. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your information only in these circumstances:
Service Providers
- WhatsApp (Meta) for message delivery
- Stripe for financial data connectivity
- Cloud infrastructure providers for data storage
- Analytics services for improving our service
Legal Requirements
- When required by law or legal process
- To protect our rights or property
- To prevent fraud or security threats
- With your explicit consent
6. Your Rights and Choices
You have control over your information:
Access and Portability
- Request a copy of your personal data
- Export your conversation history
Correction and Deletion
- Update incorrect information
- Request deletion of your account and data
- Disconnect financial accounts at any time
Communication Preferences
- Opt-out of non-essential messages
- Control notification settings through WhatsApp
7. Financial Data Specific Provisions
Stripe Financial Connections
- We use Stripe Financial Connections to securely access your financial data
- You explicitly consent to each account connection
- You can revoke access at any time through our service or your financial institution
- We only access data necessary to provide requested services
- Financial data is not used for advertising or unrelated purposes
Data Retention
- Financial transaction data is retained for 90 days for service continuity
- Account connection tokens are stored securely until you disconnect
- Aggregated insights may be retained longer in anonymized form
8. Children's Privacy
AmmaMitra is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete that information promptly.
9. International Users
If you are accessing our services from outside India, please be aware that your information may be transferred to, stored, and processed in India where our servers are located. By using our services, you consent to this transfer.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes through WhatsApp or other means. Your continued use of our services after changes indicates acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
Email: [email protected]
WhatsApp: Message us directly through our service
Address: AmmaMitra, Hyderabad, India
12. Additional Disclosures for Indian Users
In compliance with Indian data protection laws:
We process data under lawful basis of consent and legitimate interests
You have the right to withdraw consent at any time
We comply with RBI guidelines for financial data handling
Grievance Officer contact: [email protected]