Privacy Policy

1. Introduction

Welcome to PixieDust AI. PixieDust AI Inc. ("PixieDust AI," "we," "us," or "our") is committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, website, or AI-powered assistants (collectively, the "Services").

Please read this Privacy Policy carefully. By using our Services, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please do not use our Services.

2. Information We Collect

2.1 Information You Provide Directly

We collect information you voluntarily provide to us, including:

• Contact information (name, email address, phone number, mailing address)
• Business information (company name, industry, size, revenue)
• Business financial information (loan amounts, credit scores, banking relationships, and other financial details)
• Communications with our AI assistants and support team
• Account registration details
• Feedback and survey responses

2.2 Information We Collect Automatically

When you use our Services, we automatically collect:

• Browser and Device information (IP address, browser type, operating system, device used to access)
• Usage data (pages visited, time spent, click patterns)
• Conversation logs with our AI assistants
• Cookies and similar tracking technologies
• Location information (if permitted by your device)

2.3 Information from Third Parties

We may receive information from:

• Partner lenders and financial institutions
• Credit reporting agencies (with your consent)
• Data enrichment services
• Social media platforms (if you connect your accounts)
• Business verification services
• Transaction, banking and accounting information (if you connect your accounts)

3. How We Use Your Information

We use your information to:

• Provide and improve our Services
• Match you with relevant financing options
• Process and respond to your queries
• Communicate with you about our services
• Analyze usage patterns and optimize user experience
• Detect and prevent fraud or security threats
• Comply with legal obligations
• Train and improve our AI algorithms
• Send marketing communications (with consent)
• Conduct research and analytics

4. How We Share Your Information

We may share your information with:

4.1 Financial Partners

Trusted business partners with whom we collaborate such as:

• Lenders and financial institutions providing financing
• Brokers and intermediaries facilitating financing
• Credit bureaus and verification services

4.2 Service Providers

• Cloud hosting and data storage providers
• Customer support and communication tools
• Analytics and performance monitoring services
• Security and fraud prevention services

4.3 Legal Authorities

We may disclose information when required by law, court order, or to:

• Comply with legal process
• Protect our rights and property
• Ensure user safety
• Investigate potential violations

5. Data Security

We implement robust security measures to protect your information, including:

• Encryption of data in transit and at rest
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee training on data protection
• Secure data centers with physical access controls
• Incident response and breach notification procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

6.1 Access and Portability

• Request access to your personal information
• Receive a copy of your data in a portable format

6.2 Correction and Deletion

• Update or correct inaccurate information
• Request deletion of your personal information

6.3 Consent and Objection

• Withdraw consent for data processing
• Object to certain types of data processing
• Opt-out of marketing communications

To exercise these rights, please contact us at privacy@pixiedustai.com. We will respond to your request within 30 days.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. These include:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand user behavior and improve our services
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your browser settings. Note that disabling certain cookies may affect website functionality.

8. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records

Typically, we retain personal information for 7 years after account closure or last interaction, unless a longer retention period is required by law.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including:

• Standard contractual clauses
• Adequacy decisions by relevant authorities
• Binding corporate rules
• Your explicit consent

10. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.

11. State-Specific Privacy Rights

11.1 California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act, including:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

11.2 Other State Laws

Residents of other states may have similar rights under applicable state privacy laws. Please contact us to learn more about your specific rights.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notification to registered users
• Displaying a prominent notice on our platform

Your continued use of our Services after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us:

14. Effective Date

This Privacy Policy is effective as of the date listed at the top of this policy and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.