Privacy Policy

Effective date: February 23, 2026

Centimo ("we", "us", or "our") operates the Centimo WhatsApp bot and the centimo.ai website. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our service.

1. Information We Collect

When you use Centimo, we collect the following information:

• Your phone number (used as your account identifier)
• Your name (provided during onboarding)
• Messages you send to Centimo, including text, images, and voice messages
• Financial data you provide, such as expenses, categories, and payment methods
• Your preferred currency and language

2. How We Use Your Information

We use your information to:

• Provide and maintain the Centimo service
• Process and categorize your financial transactions
• Generate financial reports and summaries
• Send you scheduled reports (daily, weekly, monthly)
• Improve our AI's accuracy in understanding your messages

3. Data Storage and Security

Your data is stored on secure servers hosted by Amazon Web Services (AWS). We use encryption in transit (TLS/SSL) and at rest to protect your information. Access to your data is restricted to authorized personnel only.

4. Third-Party Services

We use the following third-party services to operate Centimo:

• Twilio — to send and receive WhatsApp messages
• Anthropic (Claude AI) — to process and understand your messages
• Amazon Web Services — to host our infrastructure

These providers have their own privacy policies and are contractually obligated to protect your data.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We will only share your data if required by law or with your explicit consent.

If you use shared accounts, other members of that account can see transactions logged to the shared account.

6. Data Retention

We retain your data for as long as your account is active. If you request account deletion, we will remove your personal data within 30 days.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your financial data

To exercise any of these rights, send a message to Centimo on WhatsApp or contact us at hello@centimo.ai.

8. Children's Privacy

Centimo is not intended for use by anyone under the age of 18. We do not knowingly collect personal data from children.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of significant changes through our WhatsApp service. Continued use of Centimo after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this privacy policy, please contact us at hello@centimo.ai.