UNI AI PRIVACY POLICY

1. INFORMATION WE COLLECT

1.1 Account and identity information. We may collect information you provide when you register or verify your account, including name, email address, phone number, date of birth, nationality, residential address, government identity documents, biometric verification data (such as live selfies), and related Know-Your-Customer (KYC) materials.

1.2 Financial and transaction information. We may collect wallet balances, card details (as permitted), deposit and withdrawal records, remittance details, conversion history, merchant payments, and other transaction metadata needed to operate payment and marketplace features.

1.3 Device and usage information. We may collect device identifiers, app version, operating system, language settings, IP address, crash logs, diagnostics, and interaction data needed for security, performance, and product improvement.

1.4 Communications. We may collect messages you send to support, in-app chat content you submit to features that process natural language, and related attachments or context you choose to provide.

1.5 Voice recordings. If you use voice input, we collect the recording so it can be converted into text.

1.6 Location information. If you grant location permission, we may collect your device location to answer location-based requests.

2. HOW WE USE INFORMATION

2.1 We use personal information to provide and operate the Services, authenticate users, process payments and transfers, complete KYC and compliance checks, prevent fraud and abuse, provide customer support, improve product quality and safety, and comply with applicable laws and regulatory obligations.

2.2 Where required by law, we rely on your consent, performance of a contract, legitimate interests (such as security and service improvement), or legal obligations as the basis for processing.

3. SHARING WITH SERVICE PROVIDERS

3.1 We may share personal information with authorised service providers who help us operate the Services, including banking and payment partners, card issuers, KYC and compliance vendors, cloud infrastructure providers, AI service providers (see Section 4), customer support tools, auditors, and professional advisers.

3.2 We may also disclose information to regulators, law enforcement, courts, or other authorities where required by applicable law, or to protect the rights, safety, and integrity of UNI AI, our users, or the public.

3.3 We do not sell your personal information.

3.4 We select the third parties that receive personal information from us and use contractual and technical safeguards intended to ensure they protect it with the same or equal protection as described in this Privacy Policy.

4. AI ASSISTANT AND THIRD-PARTY AI PROVIDERS

4.1 About UNI Assistant. UNI AI offers UNI Assistant, an optional in-app AI assistant that answers your questions and helps you complete tasks in the app. UNI Assistant stays off until you turn it on and agree to the in-app data sharing disclosure.

4.2 What data is sent. When you use UNI Assistant, the following data may be sent to our AI assistant service and on to the third-party AI providers listed in Section 4.4: (a) the chat messages and prompts you type; (b) voice recordings, when you use voice input; (c) your device location, when you have granted location permission; (d) your language and time zone settings; and (e) the account details a request needs, which may include your name, email address, phone number, wallet balances, masked card details and transaction records.

4.3 How we collect it. We collect chat messages and voice recordings directly from you when you send them, account details from your UNI AI account only when a request needs them, and location from your device location services only if you have allowed location access.

4.4 Who receives it. We share this data with the following third-party AI providers: DeepSeek, OpenAI and Anthropic, which provide the large language models that generate replies and actions; and Volcengine, which converts voice recordings into text. These providers may process data outside your country (see Section 5).

4.5 How the data is used. We use the data only to understand your request, generate a reply and carry out actions you confirm in the app. We do not sell this data.

4.6 Same or equal protection. We share only the data each request needs. We select these providers based on their security and privacy practices, and we use contractual terms (including data processing agreements where the provider offers them) and technical safeguards intended to ensure they protect the data with the same or equal protection as described in this Privacy Policy.

4.7 Your permission. Nothing is sent to these providers until you tap Allow in the in-app UNI Assistant data sharing disclosure, which explains what data is sent and who receives it. If you tap Don't Allow, UNI Assistant stays off and the rest of the Services remain available.

4.8 Withdrawing permission. You can turn off UNI Assistant at any time in Profile → Settings → Privacy → UNI Assistant. Once it is off, new requests are no longer sent to these providers. Withdrawal does not affect processing completed before you turned it off, except where applicable law requires otherwise.

4.9 Please avoid sharing information in chat that UNI Assistant does not need, such as passwords or one-time verification codes.

5. INTERNATIONAL TRANSFERS

5.1 UNI AI and its service providers (including AI providers named in Section 4) may process personal information in countries other than the country where you live. Those countries may have different data protection laws.

5.2 Where required, we take steps intended to protect personal information transferred internationally, such as contractual safeguards with service providers and commercially reasonable security measures.

6. SECURITY AND RETENTION

6.1 We implement reasonable technical, organisational, and administrative safeguards designed to protect personal information against unauthorised access, misuse, loss, or disclosure. No method of transmission or storage is completely secure.

6.2 We retain personal information for as long as needed to provide the Services, meet legal, accounting, and regulatory requirements, resolve disputes, and enforce our agreements.

7. YOUR CHOICES AND RIGHTS

7.1 Depending on your location, you may have rights to access, correct, delete, or restrict certain personal information, or to object to certain processing. You may also have the right to withdraw consent where processing is based on consent.

7.2 To exercise privacy rights or ask questions about this Policy, contact us at support@uni-ai.io. We may need to verify your identity before responding.

7.3 For UNI Assistant data sharing specifically, turn sharing on or off in Profile → Settings → Privacy → UNI Assistant.

8. CHILDREN

8.1 The Services are not directed to children under 18 (or the minimum age of digital consent in your jurisdiction, if higher). We do not knowingly collect personal information from children. If you believe a child has provided personal information, contact us so we can take appropriate action.

9. CHANGES TO THIS POLICY

9.1 We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date above and may provide additional notice in the app or by other reasonable means.

9.2 If we change how UNI Assistant data is shared with third-party AI providers in a material way (for example, adding new categories of data or new AI providers for assistant processing), we will update this Policy and, where required, request fresh in-app consent before continuing that sharing.

10. CONTACT

UNI AI Platform Support Email: support@uni-ai.io Website: uni-ai.io

If you have questions about this Privacy Policy or our AI Assistant data practices, please contact us using the details above.