Privacy Policy

1. Introduction

Welcome to Savio ("we," "us," or "our"). We are committed to protecting your personal data and your right to privacy. This Privacy Policy explains how we collect, use, disclosure, and safeguard your information when you use our mobile application, website (www.MeetSavio.com), and AI-coaching services, in compliance with the Data Privacy Act of 2012 (R.A. 10173).

2. Information We Collect

To function as your "Money Mindset Coach", we collect the following categories of data:

• Personal Identification Information: Name, email address, phone number, and age (to ensure eligibility).
• Financial Information: Income data, expense records, savings goals, debt details, and connected bank/e-wallet account balances via API integrations.
• Behavioral & Interaction Data: Chat logs with the Savio AI, voice command inputs, and spending habits.
• Device Data: Device ID, IP address, and location data (for localized currency and features).

3. How We Use Your Information

We process your data for the following purposes:

• AI Coaching: To feed our multi-agent AI system to provide personalized financial guidance, "nudges," and behavioral insights.
• Goal Envelopes: To track your progress toward specific saving goals (e.g., "Bali Trip") and manage thresholds for withdrawals.
• Product Recommendations: To analyze your financial profile and suggest relevant aggregated (not specific) financial products (insurance, investments) or lifestyle deals (affiliate partners).
• B2B Anonymized Insights: We aggregate and anonymize user data to provide statistical insights on collective money habits to our B2B partners (companies and universities). Your personally identifiable information is never shared in these reports.
• Service Improvement: To train our "Human-in-the-loop" (EITL) systems to verify and improve AI accuracy.

4. Data Sharing and Disclosure

We may share your information with:

• Financial Service Partners: Licensed e-wallet providers or banks that hold the actual funds in your "Goal Envelopes".
• Employers/Universities: If you use Savio as part of an organization's wellness program, we share aggregate performance data, not your individual financial transaction history.
• Service Providers: Cloud infrastructure (AWS/Google Cloud), AI processors (LLM providers), and analytics tools.

5. AI and Automated Decision Making

Savio uses Artificial Intelligence to analyze your finances. While we employ a "Human-in-the-loop" system for quality control, users acknowledge that data processing for coaching is automated.

6. Your Rights (Data Privacy Act of 2012)

As a data subject, you have the right to:

• Access: Request a copy of the data we hold about you.
• Rectification: Correct tailored financial data or profile errors.
• Erasure: Request deletion of your account and data, subject to retention required by financial regulations (e.g., Anti-Money Laundering Act).
• Data Portability: Obtain your data in a structured format.

7. Security

We utilize bank-grade encryption and secure protocols to protect your financial data. However, no method of transmission over the internet is 100% secure.

8. Contact Us

For privacy concerns or to exercise your rights, contact our Data Protection Officer (DPO) at:

Email: theo@meetsavio.com