duxukyo - AI-Driven Expense Categorization for Smart Financial Management

Introduction and Scope

At duxukyo, we understand that your financial data represents some of the most sensitive information you'll ever share with a service provider. This privacy policy explains exactly how we collect, use, protect, and manage your personal information when you use our AI-driven expense categorization platform.

Our commitment goes beyond mere compliance – we've built privacy protection into the very foundation of our service architecture. Every decision we make about data handling prioritizes your security, transparency, and control over your information.

We never sell, rent, or trade your personal or financial data to third parties. Your information exists solely to provide you with exceptional expense categorization services.

Information We Collect

Understanding what information we collect helps you make informed decisions about using our services. We collect information in several categories, each serving specific purposes in delivering our AI-driven expense categorization platform.

Account and Profile Information

Full name, email address, and phone number for account creation and communication
Company name, business address, and industry type for business accounts
Billing information including payment method details processed through secure third-party providers
User preferences, notification settings, and account customization choices

Financial Transaction Data

Transaction amounts, dates, merchant names, and descriptions from connected accounts
Bank account information necessary for secure data synchronization
Credit card and payment processing data for service-related transactions
Historical expense patterns and categorization preferences for AI model training

Technical and Usage Information

IP addresses, browser types, operating systems, and device identifiers
Log files recording system access, feature usage, and error reports
Performance metrics helping us optimize our AI categorization algorithms
Communication records including support tickets and feedback submissions

How We Use Your Information

Every piece of information we collect serves specific purposes in delivering and improving our expense categorization services. We're transparent about these uses and commit to never using your data for purposes beyond what's outlined here.

Primary Service Functions

AI Categorization:

Processing transaction data through our machine learning algorithms to provide accurate, personalized expense categorization based on your spending patterns and business needs.

Account Management:

Maintaining your account, processing payments, providing customer support, and delivering service notifications and updates about your account status.

Security Monitoring:

Detecting and preventing fraudulent activity, unauthorized access attempts, and ensuring the integrity of your financial data throughout our platform.

Service Improvement:

Analyzing usage patterns and feedback to enhance our AI algorithms, develop new features, and optimize the overall user experience for expense management.

We also use aggregated, anonymized data to improve our AI models and develop industry insights. This process completely removes any personally identifiable information, ensuring your privacy while helping us enhance our services for all users.

Data Sharing and Third-Party Access

We maintain strict controls over who can access your information and under what circumstances. Our approach prioritizes minimal data sharing while ensuring we can deliver comprehensive expense categorization services.

Authorized Service Providers

Payment processors handling billing and subscription management with industry-standard encryption
Cloud infrastructure providers maintaining our servers and data storage with enterprise-grade security
Banking data aggregation services facilitating secure connections to your financial institutions
Customer support platforms enabling us to provide technical assistance and account management

Legal and Regulatory Requirements

We may disclose your information when required by law, including responses to court orders, government investigations, or regulatory compliance requirements. In such cases, we'll notify you unless legally prohibited and will only share the minimum information necessary to meet legal obligations.

We have never sold user data to third parties and maintain a strict policy against monetizing your personal information beyond our core expense categorization services.

Data Security and Protection Measures

Protecting your financial information requires comprehensive security measures at every level of our platform. We've implemented multiple layers of protection designed to safeguard your data against both external threats and internal vulnerabilities.

Technical Safeguards

End-to-end encryption for all data transmission using industry-standard TLS 1.3 protocols
Advanced encryption at rest for all stored data using AES-256 encryption standards
Multi-factor authentication requirements for all user accounts and administrative access
Regular security audits, penetration testing, and vulnerability assessments by third-party experts
Automated monitoring systems detecting unusual access patterns and potential security threats

Operational Security

Strict access controls limiting employee access to customer data based on job requirements
Comprehensive background checks for all personnel handling sensitive information
Regular security training programs ensuring all staff understand privacy protection protocols
Incident response procedures for immediate action in case of any security concerns

Our security infrastructure undergoes continuous monitoring and improvement. We maintain compliance with industry standards including SOC 2 Type II and follow best practices established by financial services regulatory bodies.

Your Rights and Control Options

You maintain significant control over your personal information throughout your relationship with duxukyo. We've designed our platform to give you meaningful choices about how your data is used and provide straightforward ways to exercise your privacy rights.

Access and Portability Rights

Request complete copies of all personal information we maintain about you in machine-readable formats
Download your transaction data, categorization history, and account settings at any time
Export your data for use with other financial management platforms or personal record-keeping

Correction and Update Rights

Modify account information, contact details, and preferences through your account dashboard
Correct transaction categorizations and update merchant classifications in our AI system
Update billing information and communication preferences at any time

Deletion and Restriction Rights

Request complete deletion of your account and associated data with verification procedures
Limit processing of specific data types while maintaining essential service functionality
Opt out of non-essential data collection and marketing communications

To exercise any of these rights, contact our privacy team at privacy@duxukyo.com. We'll respond to all requests within 30 days and provide confirmation of any actions taken regarding your data.

Data Retention and Deletion

We maintain clear policies about how long we keep your information and under what circumstances we delete data. Our retention periods balance your need for service continuity with privacy protection and regulatory requirements.

Retention Periods by Data Type

Account Information:

Retained for the duration of your active account plus 7 years for tax and regulatory compliance purposes, then securely deleted unless legal requirements mandate longer retention.

Transaction Data:

Maintained while your account is active and for 3 years after account closure to support potential dispute resolution and tax reporting requirements.

Usage Analytics:

Aggregated usage data retained for 2 years to support service improvements, with all personally identifiable information removed after 90 days.

Support Communications:

Customer service interactions retained for 1 year to ensure consistent support quality and resolve any follow-up issues that may arise.

When data reaches the end of its retention period, we use secure deletion methods that make recovery impossible. For sensitive financial data, we employ cryptographic erasure and multi-pass deletion techniques exceeding industry standards.

International Data Transfers

As part of providing our AI-driven expense categorization services, some of your data may be processed or stored in countries outside New Zealand. We ensure these transfers maintain the same high level of protection you expect from our domestic operations.

Transfer Safeguards

All international transfers occur only with countries providing adequate data protection levels
Contractual agreements with international service providers meeting New Zealand privacy standards
Additional encryption and security measures for any data leaving New Zealand jurisdiction
Regular audits of international partners to ensure ongoing compliance with our privacy standards

Currently, we utilize cloud infrastructure providers in Australia and the United States, both jurisdictions with strong privacy frameworks and data protection laws compatible with New Zealand standards.

Cookies and Tracking Technologies

Our platform uses various technologies to enhance your experience and ensure proper functionality of our expense categorization services. We're transparent about these technologies and provide you with control over non-essential tracking.

Essential Cookies

Authentication cookies maintaining your secure login session throughout your visit
Security cookies protecting against cross-site request forgery and other security threats
Functionality cookies remembering your preferences and customization settings

Analytics and Performance

Usage analytics helping us understand how features are used and identify improvement opportunities
Performance monitoring detecting system issues and optimizing response times
Error tracking systems helping us identify and resolve technical problems quickly

You can manage cookie preferences through your browser settings or our cookie preference center. Note that disabling essential cookies may impact the functionality of certain features in our expense categorization platform.

Children's Privacy Protection

duxukyo's expense categorization services are designed exclusively for adults and business use. We do not knowingly collect personal information from individuals under 18 years of age, and our platform is not intended for use by minors.

If we discover that we have inadvertently collected information from someone under 18, we will immediately delete that information and terminate any associated account. Parents or guardians who believe their child may have provided information to us should contact our privacy team immediately.

Privacy Policy Updates

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated through multiple channels to ensure you're always informed about how we protect your information.

Notification Methods

Email notifications to all active users at least 30 days before significant changes take effect
In-platform notifications when you next log into your account
Updates posted on our website with clear indication of what has changed
For material changes affecting data use, we may require explicit consent before continuing service

We encourage you to review this policy periodically to stay informed about our privacy practices. The effective date at the top of this document indicates when the current version was last updated.

Privacy Policy