VizorFin Privacy Policy
At VizorFin, we value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our artificial intelligence services for financial analysis.
By using VizorFin, you agree to the practices described in this policy. If you do not agree, please do not use our services.
1. Information We Collect
To provide you with our services effectively, we collect the following types of information:
1.1 Account Information
- Datos de registro: Nombre, correo electrónico, contraseña, ID de usuario de WordPress.
- Datos de facturación: Información de pago (procesada de forma segura por terceros).
- Preferencias de comunicación: Tus opciones para recibir correos electrónicos y notificaciones.
1.2 Financial and Transaction Data
- Uploaded files: Bank transactions, invoices, account statements, tax payments (CSV, Excel).
- Banking API data: Transaction information obtained through Plaid, Belvo, or Prometeo.
- Analysis history: Generated reports, fraud alerts, credit scores, risk assessments, etc.
1.3 Usage and Technical Data
- Access information: IP address, browser type, operating system, pages visited.
- Cookies and similar technologies: To improve your experience and remember your preferences.
- Performance data: Processing times, uploaded files (only for debugging purposes).
2. How We Use Your Information
We use your data for the following purposes:
| Purpose | Legal Basis |
|---|---|
| ✅ Execute AI agents (Reconciliation, Fraud, Credit, Tax, Collections, Cash Flow, Audit, Risks, Market Intelligence, Data Fusion, RegTech) | Legitimate interest / Contract execution |
| ✅ Generate personalized reports and recommendations | Contract execution |
| ✅ Improve and train our AI models (anonymously and aggregated) | Legitimate interest |
| ✅ Send you reports via email (if requested) | Consent / Contract execution |
| ✅ Manage your subscription and membership plans (Free, Pro, Business, Enterprise) | Contract execution |
| ✅ Comply with legal and regulatory obligations (anti-money laundering, OFAC sanctions) | Legal compliance |
| ✅ Protect the security and integrity of our platform | Legitimate interest |
3. Data Processing and AI Agents
VizorFin uses artificial intelligence agents to analyze your financial transactions. It is important that you know:
- Files are processed in real time and are not permanently stored after analysis, unless necessary for your account history.
- Embeddings and fraud patterns are stored anonymously or in aggregated form to improve agent accuracy.
- We do not use your financial data to train models shared with third parties without your explicit consent.
- You may request the deletion of your history at any time (see section 8).
4. Data Sharing
We do not sell your personal data. We only share information in the following cases:
| Recipient | Purpose |
|---|---|
| Cloud service providers | Hosting and data processing |
| Banking APIs | Obtaining bank transactions (you authorize the connection) |
| AI providers | Generating embeddings and natural language processing |
| Payment gateways | Managing subscriptions and payments |
| Legal authorities | When required by law (e.g., OFAC sanctions lists) |
5. Data Security
We implement technical and organizational measures to protect your information:
- TLS/SSL encryption for all communications between your browser and our servers.
- Encryption at rest for sensitive data in our database.
- API Key authentication for endpoint access.
- Rate limiting and CAPTCHA to prevent brute force attacks.
- Restricted access to your data to authorized personnel only.
- Continuous monitoring for suspicious activities.
6. Data Retention
We retain your data for as long as necessary to fulfill the purposes described:
| Data Type | Retention Period |
|---|---|
| Account information | While your account is active + 30 days after closure |
| Temporary uploaded files | Deleted immediately after analysis (maximum 24 hours) |
| Analysis history (reports) | 90 days (unless you have a Business/Enterprise plan with extended retention) |
| Anonymous fraud patterns | Indefinitely (non-identifiable data) |
| Access logs | 30 days |
You may request the deletion of your history at any time via info@vizorfin.com.
7. Your Rights
Depending on your country of residence, you may have the following rights regarding your data:
Users in Chile (Law 21.719)
- Access: Request a copy of your personal data.
- Rectification: Correct inaccurate or incomplete data.
- Deletion: Request the deletion of your data (“right to be forgotten”).
- Objection: Object to the processing of your data.
- Portability: Receive your data in a structured format.
- Restriction of processing: Temporarily restrict the use of your data.
Users in Venezuela
Although Venezuela does not have a specific personal data protection law, we adhere to constitutional principles (Article 28 of the Constitution) that guarantee habeas data and privacy protection. We offer you the same rights described above as a best practice.
International Users
If you reside in the European Union, you are also protected under the GDPR. For other countries, we apply equivalent standards.
To exercise your rights, contact us at info@vizorfin.com. We will respond within a maximum period of 30 days.
8. Minors
Our services are not directed at minors under 18 years of age. We do not knowingly collect data from minors. If we discover that we have collected data from a minor without parental consent, we will delete it immediately.
9. International Data Transfers
VizorFin operates from cloud servers that may be located in different countries (United States, Europe, etc.). By using our services, you agree that your data may be transferred to countries with data protection laws different from those of your country. We ensure that all transfers comply with applicable security standards.
10. Cookies and Similar Technologies
We use cookies to:
- Keep you logged in.
- Remember your preferences (such as the selected plan).
- Analyze usage of our platform (Google Analytics, anonymized).
- Prevent fraud and protect security.
You can manage cookies from your browser settings.
11. Changes to This Policy
We will update this policy periodically to reflect changes in our services or legislation. We will notify you by email or via a notice on our platform at least 15 days in advance for substantial changes.
The latest version will always be available at https://www.vizorfin.com/privacy-policy.
12. Contact
If you have questions about this Privacy Policy or wish to exercise your rights, contact us:
Email: info@vizorfin.com
WhatsApp / Phone: +58 412 435 63 00
Address: Caracas, Venezuela / Santiago, Chile
For matters related to Chile, you may contact the Personal Data Protection Agency once it is operational.
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