Last Updated: December 11, 2025

Hub Global Solutions LLC ("we", "us", or "Company") operates the Keseffy system ("Service"). This Privacy Policy informs you of our policies regarding the collection, use, and disclosure of your information when you use our personal financial management service via WhatsApp and Artificial Intelligence.

By using the Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

To provide our financial automation service via WhatsApp, we collect the following types of data:

1.1. Personal Identification Data

Phone number (WhatsApp ID).

Full name (as provided in your WhatsApp profile or registration).

Email address (for account recovery and notifications).

1.2. Financial and Transaction Data The core of Keseffy involves processing data that you voluntarily send to us via chat, including:

Monetary values.

Descriptions of expenses and income.

Spending categories.

Images of receipts or invoices (processed via OCR/Computer Vision).

Audio recordings describing transactions (processed via transcription).

1.3. Usage Data and Metadata

Date and time logs of messages (timestamps).

Interactions with our Artificial Intelligence bot.

2. How We Use Your Information

We use your data for the following purposes:

AI Processing: Your text, audio, and images are processed by our Artificial Intelligence to extract, categorize, and record your financial movements in the Keseffy dashboard.

Service Delivery: To maintain and manage your financial management account.

Communication: To send reports, financial summaries, and alerts via WhatsApp or email.

System Improvement: To analyze anonymous patterns to train and improve the accuracy of our AI.

Customer Support: To respond to your requests and inquiries.

3. Third-Party Integration (WhatsApp and AI)

For Keseffy to function, we share strictly necessary data with infrastructure providers:

Meta Platforms, Inc. (WhatsApp): By using WhatsApp to send data, you are also subject to WhatsApp's privacy policy.

Artificial Intelligence Providers: We use third-party APIs (e.g., OpenAI, Anthropic, or similar) for natural language processing. Data sent to the AI is used to interpret your commands and is not retained by these providers to train public models, in accordance with our enterprise agreements.

Cloud Hosting: Your data is stored on secure servers (e.g., AWS, Google Cloud) located primarily in the United States.

We do not sell your personal or financial data to third parties.

4. Data Retention

We will retain your personal and financial information only for as long as necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal policies.

5. Data Security

The security of your data is important to us. We use encryption during data transfer (TLS/SSL) and at rest (AES). However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

6. Jurisdiction and Applicable Law (Wyoming, USA)

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to the use of Keseffy shall be submitted to the exclusive jurisdiction of the state or federal courts located in Wyoming.

6.1. Privacy Rights (USA) We do not sell your personal information. If you are a resident of certain U.S. states, you may have additional rights regarding access to and deletion of your data.

6.2. International Users If you are accessing Keseffy from outside the United States (e.g., Brazil or Europe), please be aware that your information will be transferred to, stored, and processed in the United States, where our servers are located. By using our services, you consent to this transfer.

7. Your Rights

You have the right to:

Request a copy of the financial data we store about you.

Request the correction of any incorrect data.

Request the complete deletion of your account and all associated data (Right to be Forgotten) by sending an email to our support team.

8. Children's Privacy

Our Service does not address anyone under the age of 13 (in compliance with the Children's Online Privacy Protection Act - COPPA). We do not knowingly collect personally identifiable information from children under 13.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and sending an alert via WhatsApp before the change becomes effective.

10. Contact

If you have any questions about this Privacy Policy, please contact us:

Company: Hub Global Solutions LLC

Email: [email protected]

Phone: +1 307 3814 710

Address: 30 N Gould St Ste R, Sheridan, WY 82801, United States