Overview
At Melo (TryMelo.io), we are committed to protecting your privacy and ensuring transparency about how we collect, use, and protect your personal information. This Privacy Policy explains our data practices for our AI-powered expense tracking service on WhatsApp.
Information We Collect
When you use Melo, we collect the following types of information:
- WhatsApp Messages: The expense-related messages you send to our WhatsApp bot
- Phone Number: Your WhatsApp phone number for identification and communication
- Profile Information: Your WhatsApp display name (if available)
- Financial Data: Expense amounts, categories, and descriptions you provide
- Usage Data: Interaction patterns and service usage statistics
How We Use Your Information
We use your information solely to provide and improve our expense tracking service:
- Process and categorize your expense messages using AI
- Generate spending summaries and insights
- Respond to your commands and queries
- Maintain your expense history and records
- Improve our AI categorization accuracy
- Provide customer support when needed
Data Processing and AI
Your messages are processed using AI services (OpenAI/Anthropic) to extract expense information. We ensure:
- Messages are processed securely and encrypted in transit
- AI processing is limited to expense categorization only
- No unnecessary personal information is stored
- AI partners have strict data protection agreements
Data Storage and Security
We implement industry-standard security measures:
- Encryption: All data is encrypted in transit and at rest
- Access Control: Limited access to authorized personnel only
- Secure Infrastructure: Data stored on secure, monitored servers
- Regular Backups: Secure backup procedures to prevent data loss
- Retention: Data is retained only as long as necessary for service provision
Data Sharing
We do not sell, rent, or share your personal information with third parties except:
- Service Providers: Trusted partners who help us operate our service (AI processing, hosting)
- Legal Requirements: When required by law or to protect our rights
- Business Transfer: In the event of a merger or acquisition (with notice)
Your Rights and Choices
You have the following rights regarding your data:
- Access: Request a copy of your stored data
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your data (see our Data Deletion page)
- Portability: Export your expense data in a standard format
- Withdrawal: Stop using our service at any time
WhatsApp Integration
Our service operates through WhatsApp Business API:
- We comply with WhatsApp's Business Policy and Terms
- Your WhatsApp privacy settings remain under your control
- We only access messages sent directly to our business number
- Meta's privacy policy also applies to WhatsApp communications
International Data Transfers
Your data may be processed in countries other than your own. We ensure adequate protection through:
- Standard contractual clauses with international partners
- Compliance with applicable data protection regulations
- Regular security assessments of data processing locations
Children's Privacy
Our service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent and believe your child has provided us with personal information, please contact us.
Updates to This Policy
We may update this Privacy Policy periodically. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending a notification through our WhatsApp service
- Updating the "Last Updated" date below