Privacy Policy

I. Definitions
“Business Days” means any day other than a Saturday or Sunday or United States federal public holiday on which banks are physically open for the transaction of general banking business.  Any other day is to be considered a calendar day.  
“Working Hours” means 9:00 am to 5:00 pm Eastern (New York City, NY) time on Business Days.
II. General
Online privacy is constantly evolving, and nowutalkai, Inc., (“nowutalkai", “We”, “Our”, “Us”) a company that is organized in the United States of America, will take all commercially reasonable efforts to maintain up to date and effective online privacy standards and practices.  We have linked every page of Our Website (the "Website") to this document for Your convenience.  You may also access Our Privacy and Cookies Policy (the “Policy”) on Our smartphone APP, our website www.nowutalk.ai and You may also contact legal@nowutalk.ai with any questions or concerns that You may have.
We are committed to protecting the privacy of all our customers. This Privacy and Cookies Policy explains how we collect, use, share, and protect your information when you use our voice conversational app to navigate, discover, and complete purchases on e-commerce platforms.
nowutalkai is committed to respecting Your online privacy and recognizes Your need for appropriate protection and management of any personally identifiable information ("Private Information") that You share with Us.  Private Information means any information that may be used to identify an individual, including, but not limited to; (1) a first and last name; (2) a home or other physical address; (3) an email address; (4) other contact information, whether at work or at home; (5) telephone numbers; (6) credit/debit card information.
III. Information We Collect
• Merchant's Data: Information about merchants who use our app, including business name, contact details, and payment information.
• Merchant's Customer Data: Information about customers of merchants, including names, contact details, purchase history, and preferences.
• Cookies: Small data files stored on your device to enhance your experience. Cookies help us understand how you use our app and improve its functionality.
‍
IV. User Consent for Data Collection
By using our app, you consent to the collection, use, and sharing of your information as described in this Privacy and Cookies Policy. We obtain your consent in the following ways:
• Explicit Consent: When you sign up for our app, you will be asked to agree to this Privacy and Cookies Policy. This explicit consent allows us to collect and process your data as described.
• Implied Consent: By continuing to use our app, you imply your consent to the collection and use of your information in accordance with this policy. This includes consent to the use of cookies and similar technologies.
• Withdrawal of Consent: You have the right to withdraw your consent at any time. If you choose to withdraw your consent, please contact us at legal@nowutalk.ai . Please note that withdrawing consent may limit your ability to use certain features of our app.
V. How We Use Your Information
• To provide and improve our services.
• To process transactions and send related information.
• To communicate with you, including sending updates and promotional materials.
• To analyze usage and trends to enhance user experience.
VI. Information Sharing
We do not sell or rent your personal information to third parties. We may share your information with:
• Service Providers: Third-party vendors who help us operate our app and provide services.
• Legal Requirements: If required by law or to protect our rights and safety.
VII. Data Storage and Security
We take the security of your data very seriously and implement a variety of measures to ensure it is protected. These measures include:
• Encryption: We use advanced encryption technologies to protect your data both in transit and at rest. This ensures that your information is secure when it is being transmitted over the internet and when it is stored on our servers.
• Access Controls: Access to your data is restricted to authorized personnel only. We use role-based access controls to ensure that only those who need to access your data for legitimate business purposes can do so.
• Regular Security Audits: We conduct regular security audits and assessments to identify and address potential vulnerabilities in our systems. This helps us to stay ahead of potential threats and ensure that our security measures are up to date.
• Data Anonymization: Where possible, we anonymize your data to protect your privacy. This means that your personal information is transformed in such a way that it cannot be linked back to you without additional information.
• Secure Data Centers: Our data is stored in secure data centers that are protected by physical and electronic security measures. These data centers are monitored 24/7 to ensure the safety and security of your data.
• Incident Response Plan: We have a comprehensive incident response plan in place to address any potential data breaches or security incidents. This plan includes procedures for identifying, containing, and mitigating the impact of any security incidents, as well as notifying affected individuals and authorities as required by law. By implementing these measures, we strive to protect your data from unauthorized access, disclosure, alteration, and destruction.
VIII. Your Choices
You can choose not to provide certain information, but this may limit your ability to use some features of our app. You can also manage your cookie preferences through your browser settings.
IX. Cookies
Cookies are small text files placed on your device to collect standard internet log information and visitor behavior information.
Most browsers are initially set up to accept Cookies. You can set Your browser to block Cookies entirely, delete Cookies when You leave the Website, notify You when You receive a Cookie giving You the chance to decide whether or not to accept it, or limit the subsequent retrieval of Cookies by the Website. In addition, there are number of privacy-enhancing tools and software that You may purchase that will enable You to identify and block Cookies on a selective basis. Please note that for some Websites that require an authorization, Cookies are not optional.  Users choosing not to accept Cookies will probably not be able to access those Websites where Cookies are not optional.
Cookies can be "Persistent", "Session" or “Essential” Cookies.
Persistent Cookies, also called a Permanent Cookie, or a Stored Cookie, is a Cookie that is stored on Your hard drive until it expires (persistent cookies are set with expiration dates, but that date may be far in the future) or until You delete the Cookie.
Session Cookies are also called a Transient Cookie and is a Cookie that is erased when You close Your Web browser. A Session Cookie is stored in temporary memory and is not retained after Your browser is closed. Session Cookies do not collect information from Your computer.
Essential Cookies are Persistent or Session Cookies that We may use to authenticate You and prevent fraudulent use of Your account.
To avoid any future Persistent Cookies being placed onto Your hard drive from Our Website, you may "Opt Out." For You to receive the Opt Out Cookie You will need to have JavaScript and Cookies enabled in Your browser. By receiving this Cookie, our systems will know that You have opted out and will not attempt to assign other Cookies in the future.  Since the Opt Out Cookie does not contain a unique User ID number, it does not allow Us to identify Your computer individually. Please note again that some of Our Websites require use of Cookies, and use of Cookies is not optional (for example, a shopping cart). Account holders opting out of future Cookies will probably not be able to access those Websites.
We use cookies to:
• Keep you signed in.
• Understand how you use our app.
• Improve your experience.
You can set your browser to not accept cookies, but some features of our app may not function properly as a result.
Third­Party Cookies
In addition to Our own Cookies, we may also use various third-party’ Cookies to report usage statistics of the Service, deliver advertisements on and through the service, and so on. What are Your choices regarding Cookies.
If You'd like to delete Cookies or instruct Your Web browser to delete or refuse Cookies, please visit the help pages of Your Web browser.
Please note, however, that if You delete Cookies or refuse to accept them, You might not be able to use all of the features We offer.  You may not be able to store Your preferences, and some of Our Webpages might not display properly.
Where can You find more information about Cookies?
You can learn more about Cookies from the following third-party Websites:
● All About Cookies: http://www.allaboutCookies.org/
● Network Advertising Initiative: http://www.networkadvertising.org/
X. Children's Privacy
Our app is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it.
XI.Data Retention Policies
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, as described in this Privacy and Cookies Policy, or as required by law. Our data retention policies include:
• Merchant's Data: We retain merchant data for as long as the merchant maintains an account with us and for a reasonable period thereafter complying with legal obligations, resolve disputes, and enforce our agreements.
• Merchant's Customer Data: We retain customer data for as long as necessary to provide services to the merchant and for a reasonable period thereafter to comply with legal obligations, resolve disputes, and enforce our agreements.
• Transaction Data: We retain transaction data for a period required by applicable laws and regulations, typically for accounting and tax purposes.
• Cookies: Cookies are retained for varying periods depending on their purpose. Some cookies are deleted when you close your browser, while others are retained for a longer period to remember your preferences and enhance your experience on our app.
• Anonymized Data: We may retain anonymized data for analytical purposes indefinitely, as this data does not identify individual users and helps us improve our services. When your personal information is no longer needed, we will securely delete or anonymize it to prevent unauthorized access or use.
Some of the material in Our Policy is similar to the General Data Protection Regulations (“GDPR”) in the European Union regarding the safety of, use of, security of, processing of, and other specific rights regarding Your Private Information.  We will, wherever possible, adhere to the guidelines and regulations set out in the GDPR.
There are twenty states that have enacted their own comprehensive privacy and data protection laws. A summary of, and Nowutalkai’s adherence to these state laws and regulations are described below:
1. California (CCPA and CPRA)
• Rights: Right to know, delete, opt-out of sale, correct inaccurate information, limit use of sensitive information, and non-discrimination for exercising rights.
• Scope: Applies to businesses that meet certain thresholds (e.g., annual gross revenues over $25 million).
• Sensitive Data: Includes social security numbers, financial account information, precise geolocation, and more.
• Effective Date: CCPA (January 1, 2020), CPRA (January 1, 2023)
2. Virginia (VCDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 1, 2023
3. Colorado (CPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2023
4. Connecticut (CTDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 25% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2023
5. Utah (UCPA)
• Rights: Right to access, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses with annual revenue of $25 million or more that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: December 31, 2023
6. Iowa (ICDPA)
• Rights: Right to access, delete, and obtain a copy of personal data.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Not specifically defined.
• Effective Date: January 1, 2025
7. Indiana (ICDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 1, 2025
8. Montana (MCDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 50,000 consumers or derive over 25% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: October 1, 2024
‍
9. Tennessee (TIPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 175,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
10. Texas (TDPSA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
11. Oregon (OCPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
12. Delaware (DPDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 1, 2025
‍
13. New Jersey (NJCPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 15, 2025
14. New Hampshire (NHDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 1, 2025
15. Maryland (MCDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
16. Minnesota (MDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
‍
17. Kentucky (KCDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: July 1, 2024
18. Nebraska (NDPA)
• Rights: Right to access, correct, delete, obtain a copy of personal data, and opt-out of data processing for targeted advertising.
• Scope: Applies to businesses that control or process data of at least 100,000 consumers or derive over 50% of gross revenue from the sale of personal data.
• Sensitive Data: Includes health data, biometric data, and data revealing racial or ethnic origin.
• Effective Date: January 1, 2025
19. Rhode Island (RIDPA)
• Rights: Right to access, correct, delete, obtain
• Effective Date: January 1, 2026
XII. Policy Changes
Nowutalkai will make all commercially reasonable efforts to maintain up-to-date and effective privacy standards and policies.  Whenever We makes changes to these standards or this Policy We will post a notice of this change at www.nowutalk.ai  For the time You have an account with Us, You are agreeing to this Policy and changes that may be made to this Policy.
XIII. Effective Dates
This Policy is effective immediately. Policy changes are effective as soon as they are posted on Our Website unless a specific effective date is provided.
XIV. How to contact nowutalkai
You can contact Us via email at: legal@nowutalk.ai